davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

That a fair investigation would have elicited information about events or discussions that transpired among the me ( XXXX, XXXX ), my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX   XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of XXXX XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by Justice XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, Experian and XXXX Consumer Solutions 1. Refused to investigate the reason for and meaning of the judgement of Justice XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that Justice XXXX XXXX on XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of Justice XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX )
Consumer complaint received 2020-06-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

After paying off my FHA loan from XXXX through refinancing with another lender, I was supposed to receive a refund of my escrow account in a total of {$850.00}. The refund was due in XX/XX/XXXX but I never received a check of that amount. By calling XXXX customer service, the refund amount was verified and I was promised to be issued a refund shortly. I called XXXX again in XX/XX/XXXX to follow up on the status of my refund and was told that the check was issued in XX/XX/XXXX and was cleared shortly afterward. During that call, I informed XXXX that I have not received the check and have not cashed it or deposited it. As I requested, a copy of the alleged cleared check was shared with me. The check copy does not have my signed endorsement but was stamped from XXXX XXXX XXXX indicating it was cleared. Based on their advice, I inquired about the check with my bank ( XXXX XXXX XXXX ) and verified that the check in question was never cashed, deposited, or linked to my account on record. Furthermore, given that the check does not have my endorsement XXXX XXXX XXXX confirmed that it could not have been cashed or deposited in any of their branches or online features. I called PennyMac again that same day and conveyed that information and then asked my case to be investigated by their fraud department. I was promised that they will look into my case and one of their fraud investigators will get in contact with me as they process the case. On XX/XX/XXXX I called XXXX again to follow up on my inquiry and complaint. I was then informed that XXXX is no longer investigating the issue and was told to resolve the issue with my bank as they can not provide any further assistance. XXXX was not able to provide any information that could me investigate the matter further such as where was the check cashed, or who cashed the check. That being said, I have reason to believe XXXX has embezzled my refund.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020, my wife contacted XXXX XXXX  about a flag that appears appeared to be a forbearance flag and spoke to a XXXX ( Employee ID XXXX ) and she stated that our account did not show a forbearance. My wife asked XXXX to get a letter stating that information along with a 12 month payment history. Unsatisfied with the conversation my wife called again on XX/XX/XXXX and spoke with a XXXX ( Employee ID XXXX ) and stated that the first worker, XXXX, did not include the proper request in their system notes. XXXX fixed the notes and my wife asked to speak to a supervisor. My wife spoke to a supervisor XXXX ( Employee ID XXXX ) where he stated that the flag was due to FEMA and an emergency flag was placed on our credit report. XXXX then stated that that a letter from XXXX XXXX  stating that we had never had a forbearance on our account and a 12 month payment history would be furnished by XX/XX/2020, but should be completed sooner to be email to my wife 's email address on file with XXXX XXXX. On XX/XX/2020, I called and spoke to a XXXX ( Employee ID unknown ) and he stated that he was not sure why my wife did not received the email with the requested letter yet because it was completed on XX/XX/2020. My wife had checked all of her email folders, including spam, and no email was received. XXXX stated that he would expedite a resending of the letter with the 12 month payment history. While we were in conversation he stated that the letter was being sent, which was XXXX XXXX PDT. By XXXX XXXX PDT, we had not received the email yet so my wife called again. My wife spoke to a XXXX  ( spelling unsure ) ( Employee ID XXXX ), where she said that the letter would be completed by XX/XX/2020. Unsatisfied with this answer, my wife requested a supervisor and spoke to a XXXX ( Employee ID XXXX ). XXXX, being very argumentative, stated that the letter would be completed the next day on XX/XX/XXXX. My wife inquired why we kept getting the run around and told her that we would just have wait. My wife asked to speak to XXXX 's manager or somebody in corporate. XXXX stated that we could not do that but we could mail correspondence to XXXXXXXX XXXX XXXX corporate office in New Jersey, He gave her the mailing address. My wife continued to ask XXXX more questions where he hung up on her. We decided to wait and when on XX/XX/2020, we had not yet received our email we called XXXX XXXX and spoke to XXXX ( Employee ID XXXX ) she said that she was unsure why the letter had not been sent but we would have to speak to the original supervisor XXXX and we could not speak to another supervisor. She then stated that XXXX was unavailable and he would have to call my wife back within 24 hours. I will attempt to contact XXXX XXXX  again but believe that it will be unfruitful.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX {$4000.00} XXXX {$160.00} XXXX {$380.00} XXXX {$50.00} XXXX $ 217 XXXX  {$90.00} XXXX {$310.00} XXXX {$220.00} XXXX {$580.00} XXXX {$600.00} XXXX {$24000.00} XXXX XXXX   XXXX XXXX {$3500.00}
Consumer complaint received 2020-05-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (FL)

I have my federal loans serviced by AES. I was told that the relief for federal loans, no charge and no interest from XX/XX/2020 through XX/XX/2020 does not apply to my account because that relief is only for accounts serviced by federal entities not a private servicing company. I do not believe that information to be accurate and seek the relief afforded to federal student loans.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo has misleading available balances on my account which results in my account being overdrawn by {$500.00} after having an available balance of {$1800.00}. I contacted them in regards to this matter and was told that I need to get a journal to track all transactions and Im responsible for the outstanding overdraft to my account which is beyond my fault. This is my third experience having this issue with Wells Fargo because they fail to provide consumers with their correct balances after theyve made their transactions.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I have reached out to EQUIFAX more times than my age. Equifax has a relax method of investagating Complaints on a Consumers Credit Report. I have ( 8 ) INQUIRIES on my Report. I have a fraud alert on my file with a phone number. I have ( 3 ) Inquiries from XXXX from 4/6 mo. apart how can Equifax mis this I'm not applying for credit every 4 to 6 mo. ( XXXX ) XXXX XXXX Inquiries same thing 4/6 mo. apart. XXXX I have no idea about this company. I've ask Equifax to send me a copy of the application bearing my signature. FYI never gotten a response. They have been giving more than 60 days. Need this data remove.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CU Recovery, Inc. (TX)

I took out a personal loan from XXXX XXXX XXXX XXXX XXXX based in XXXX, GA. I fell behind on the loan. I was unaware that XXXX XXXX XXXX had assigned out my loan to a company named CU Recovery until I contacted XXXX XXXX XXXX to ask about sending  payments. After the call with XXXX XXXX, almost immediately, my brother and my elderly mother, both who live in other states from me, started to get very threatening messages on their cellular phones from a company purporting itself to be " XXXX XXXX XXXX '' and stating that I had a " Civil Complaint Filing '' in XXXX County Tennessee. On both messages the man left his name as XXXX XXXX along with the number XXXX. 

When I called the number the receptionist answered the phone CU Recovery. 

They violated the FDCPA by misrepresenting who they were and also by misrepresenting the nature of the debt by claiming it was a 'Civil Complaint Filing '' which sounds like a lawsuit. 

This was intentional. 

Also, this company had my phone number but they chose to not call me and to instead call and harass my family members whose names were on my credit union account as emergency contacts. 

This was done to intimidate and humiliate me. 

When I spoke to this company they verified that they were calling on my credit union account. But then they shut down and refused to identify themselves when I asked again. Because I was still perplexed as to why they would leave another companies name on the voicemails. 

I had to contact the credit union that stated it was CU Recovery that  had my account and on hearing what this company was doing.. the  credit union pulled my account from them and it's back with the credit union . 

I filed other complaints with the XXXX  about their tactics and CU Recovery LIED to the XXXX  and said they did not leave XXXX XXXX XXXX or use that name. But they did. The number left for me to call went back to CU Recovery and the credit union confirmed they were the ones with the account and indeed they tried to collect on the account. The account was only with their agency and no other before being pulled back. 

The company, XXXX XXXX XXXX, is a FAKE COMPANY, created by CU Recovery - that allows them to contact and harass the family members of debt holders with anonymity.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$21000.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXBalance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

XXXX XXXX XXXX placed a collection with Hunter Warfield for a rental property located on XXXX  XXXX XXXX, GA. The leasing agent who rented to me on or around XX/XX/2013 through XX/XX/2013 scammed me out of my deposit, I moved into the property but later found out around XX/XX/2013 that my deposit was never paid and XXXX XXXX XXXX states that I never paid them, now I have already been living their for a few months and want me to pay the deposit again and I said I already paid it. Come to find out the leasing agent that did my lease was fired due to collecting donations on a false claim and it just so happens my deposit was never paid. So I moved out due to the dispute. I have asked XXXX XXXX XXXX & Hunter Warfield to remove the account because they can not validate the debt ie : signed lease agreement or other validations. XXXX  has already removed account but the other 2 agency 's such as XXXX and XXXX have not removed it.
Consumer complaint received 2020-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (MO)

I have been receiving bills from the XXXX XXXX XXXX  since XX/XX/2018 or their creditor Bay Area Credit Service for {$690.00} which I had XXXX XXXX and XXXX  XXXX XXXX which means they legally can not collect after being paid by XXXX. They are still trying to collect from me after this happened and they are harming my credit score by trying to collect which I do not have money to pay the bill. I have tried contacting Bay Area Credit Service because the XXXX XXXX will no longer handle the bill and they just ask for my insurance information and I have given it to them many times and they never have gotten it taken care of.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX** Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX  XXXX Balance : {$21000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2016, after I had an extensive XXXX, and could not drive with assistance. In the moment of that, I switched my direct deposits to another account and kept a balance in my Wells Fargo accounts to ensure they would be in good standing. Wells Fargo sent me a letter closing my account with any explanation, telling me that they did not have to give me a reason. I was supposed to get a cashiers check from them but I was not able to use my torso, arms to drive. I had a checking and savings account. This was followed by closing of the account, and the failure of explanation when my account was in good standing. 

My former name is XXXX XXXX, and was my name when I had the account.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

My name is XXXX XXXX XXXX 've been fight the credit bureaus for the last 3 years I was in a data breach with Equifax.. and XXXX  XXXX who ever the person is they have my social security number and they still use my social security number apply for things. Mess my credit up..
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (CO)

XXXX vehicle were involved XXXX was vehicle was totaled insurance paid out on vehicle and XXXX later. I was told there was a balance left I still had to pay off I didn't believe so but paid XXXX other was a repo .over charge on insufficient funds
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

We ( my wife and I ) had 2 homes mortgaged that were both serviced by and/or foreclosed upon by Wells Fargo XXXX after several attempts to complete a loan modification with them. We received a letter explaining that we were entitled to a portion of a settlement from a lawsuit against them for a XXXX XXXX XXXX that was over charged. We tried to notify them that we never received our settlement check and had moved but they never confirmed how to get my check and gave me the run around when we attempted to give them our new address. We never got that settlement payment. 

We have also been made aware that there has been a settlement regarding actual foreclosures. We were never reached out to, at our current address. We believe we are entitled to a settlement due to the improper foreclosures as well. However, Wells Fargo refuses to acknowledge our change of address and send us our settlement checks.

I am enclosing a copy of the first page showing my wife 's and my name on the letter we received, a copy of the second page, acknowledging that we had a home loan with Wells Fargo between XX/XX/XXXX XXXX XX/XX/XXXX. I am also showing an old credit report that shows the Wells Fargo loan that I had in my name. However, there was a second home we had with them that was in both my wife 's and my name. We attempted a loan modification on both home and both homes were foreclosed upon.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX # XXXX NY XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report.