davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$110.00} ( Original Creditor : ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I have had an account with Wells Fargo since XXXX. During that time I have had several issues with overdraft fees being charged multiple times for the same transaction. Most of the time these have been refunded. But, I recently saw the settlement about fraudulent overdraft fees and I am wondering if some were never refunded. I dont have specific dates or times, as it has been several years.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TX)

XXXX auto loan. Add Ins included that I did not accept. Difficult to pay through app. Fees for every change to account. Called every time to try and correct, advise etc. 
finally gave up and had to sell the truck I loved to get out of it.
Consumer complaint received 2020-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

Around XXXX I received an automated call from Mr. Cooper saying that my escrow account had a shortage of {$380.00} and that my mortgage payment would be going up unless I paid the shortage. I stayed on the phone and was connected to an agent who explained that I had to maintain a balance of {$750.00} at all times in my escrow account and that I would be short at some time during the year. I explained that there was a credit of {$340.00} that should have been applied to my escrow account due to a double payment of a mud tax. He said that there was still a deficit. I hung up and reviewed my online escrow analysis statement and did not see the {$340.00} credit to the escrow. I called back and the agent I spoke to this time told me MR. Cooper has the right to raise my escrow payment because they do not know how much payments out of escrow my increase. I asked her about the {$340.00} and was again told I needed to maintain a balance of {$750.00}. I hung up with this agent. On XXXX I called back and asked to speak to a supervisor in the escrow department and was connected to XXXX XXXX who stated he did not see the {$340.00} credited and was escalating the issue because my XXXX payment was approaching. He asked me to give him until Monday XXXX and he would get back to me. On XXXX I emailed MR. XXXX because I had not heard back and received no response. I called on XX/XX/XXXX and informed the agent XXXX that I wanted a supervisor to call me back on XX/XX/XXXX, XXXX told me her supervisor was off but she should communicate this request to other supervisors XXXX or XXXX. I did not receive a call. I further reviewed the escrow analysis and was able to determine that the escrow credit was applied in XX/XX/XXXX. The issue is on the XXXX analysis they did not give credit for the XXXX escrow payment of {$610.00}. I called on XX/XX/XXXX and spoke with XXXX and explained this to her and she ran a new escrow analysis and this time said the shortage was {$340.00}. I asked her how this was possible, she sent me the new escrow analysis and with this one she added the XX/XX/XXXX escrow payment but removed the XX/XX/XXXX payment that had been on the original escrow analysis of {$570.00}. I asked to be put in touch with a supervisor in the escrow department and was transferred to XXXX an escalation specialist. She was going to submit a request for an escrow analysis to be ran reflecting a payment for each month in the statement, The shortage is caused because I am not being given credit for a month 's payment of escrow which has lowered the projected beginning escrow balance which is reflected as XXXX. My current escrow balance is {$1300.00}. No one has been able to explain to me why the numbers in the escrow analysis are not reflective of the current balance/payments that I can view online.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX Bank XXXX. No : XXXX clearly suggest conflicting information of XXXX. HIgh Balance, 2.Last activity, 3. Date opened and 4.. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Experian XXXX High Balance {$3500.00} XXXX {$3500.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the XXXXhree bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I managed to keep up with my mortgage payments just fine. Unfortunately, due to the pandemic and the state 's " Stay at Home Order '' resulted in my business being unable to operate for 3 months. This cause for my mortgage to default and the mortgage company placed on a three month forbearance which was open ended. They failed to advise me that at the end of the 3 months, i would be required to pay back 3 months worth of mortgage payments at once even though i did not earn income throughout the months of XX/XX/2020, XX/XX/2020, XXXX XXXX and a part of XX/XX/2020. 

I was finally able to resume my business and even though it was taking a few weeks to bounce back, my income was slowly coming back to normal. The mortgage company SPS XXXX offered me to pay back all the past due by payment by making triple payments for 3 months to keep my loan from going into foreclosure. I had no choice but to refuse this offer as my income was not back 100 % and i could not afford those payments. 

Now my income is back to what it was before the pandemic and SPS is refusing to review my case for assistance once again. They said and I quote " We already reviewed it once, and we are not obligated to review it again ... '' I have explained to them the change in circumstances since my previous application and yet they refuse to even look at it.
Consumer complaint received 2023-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Specialized Loan Servicing Holdings LLC (CA)

I applied for bankruptcy years ago ( around 2010 ) after the housing market. I was able to keep my house but under the impression all my debts had been cleared. Last year out of the blue, Specialized Loan Service started foreclosure processes on my home. My daughter was able to lend us the money, but this is putting my in a financial bind and I believe the statue of limitations had already passed.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. Last activity and XXXX. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Experian XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment - - XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: FORD MOTOR CREDIT CO. (NC)

TRUTH TO FACTS OF PAST TRANSACTION WITH FORD CREDIT A United States Principal Party in Interest, Citizen, signature, subscribed on a promissory note, is a valuable consideration collateral security, that is relatively liquid, in amount equal to the sum of Federal reserve notes, under the provisions of section thirteen of the Federal Reserve Act, but United States Principal Party in Interest, Citizens, are made to believe the promissory note, that is prepared by an agent or beneficiary seller bank, represents principally a investment or bailment to their lender or holder in due course, rather than a medium of exchange, that is acceptable for goods and services. 
Whereas, what beneficiary seller banks do, when they make a loan, is to take a promissory note, in exchange for credits, to the USPPI citizen transaction account or create a special purpose vehicle account, than calls a United States Principal Party in Interest Citizen, a borrower of their own collateral security. 
Therefore, what the beneficiary seller banks are doing is very different from what it presents it's doing, to the public common trust, while acting as a lender, that makes a trade of putting a collateral security note to interest. 
This is legalized fraud, under the Color of State Law, which is the adopted Uniform Commercial Code, that allows a third party to procure a original collateral security note, without recording it in the county, and converts it into a negotiable instrument that benefits an agent or beneficiary seller bank.

Whereas, the Several States, are impairing the obligations of contracts, promissory agreement notes, through licensees, that are using the adopted UCC, or Negotiable Instrument Law of private organizations, instead of acts enacted by Congress, under the Constitution for the United States of America. 
Therefore, " We the People, '' that appear in person or a beneficiary seller bank, ought to use the good sense from the Spirit within, in lieu common sense, and bring Treason Charges against the Heads of the Several States for placing " We the People '' in a State of Peonage under 18 U.S. Code 1581.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I had went in to the Wells Fargo Bank in had put a check in my account and 2 days later the bank takes the check in say we sorry the check was not real. Did not give me the check back or anything. {$4000.00} Dollars from a business.
Consumer complaint received 2023-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (AL)

Had a mortgage loan with Wells Fargo. I got a letter from them stating that my payment hadn't been paid for several months. They were starting foreclosure on my home. I got my records for a year my payments were never late or even in the grace period. At that time they wanted it paid in full. So I started the process to have it refinanced at another bank. At the time I had five years to pay for my home.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/20 i called XXXX XXXX XXXX and gave them my Account number on my credit file. they gave me a number to their legal department. i called then i gave them my information they acknowledge i filed for bankruptcy. then they gave me another number to call, called numerous times and left a message to get back with me, no one got back with me. prior to that i disputed my case with XXXX more then once uploaded all legal documents. the dates XX/XX/20 XX/XX/20. they sent back false information to XXXX and said my case was accurate as i still owe them the debt. thats not true my bankruptcy is discharged. i disputed bankruptcy petition and discharge and my account is still open. i also disputed with other accounts on my documents upstart, wells Fargo and member source credit union XX/XX/20. the disputed was for to update to bankruptcy discharge chapter XXXX no results. showed all documents also. file disputes XX/XX/20 to update bankruptcy chapter XXXX discharge with XXXX XXXX and XXXX for the account wells Fargo and upstart. i did not contact wells Fargo, upstart or member sources credit union just disputed them no results. by law with legal document my rights are being violated. all accounts should show bankruptcy discharge chapter XXXX with {$0.00} balance. thank you
Consumer complaint received 2023-01-20
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: Central Portfolio Control Inc. (TX)

On XX/XX/XXXX I received an alert from my credit monitoring service that there was a new collection of {$1600.00} being reported by " XXXX XXXX '' from a physician that I have never been to, never been contacted by, and never heard of. The original collector is " XXXX XXXX XXXXXXXX XXXX XXXXXXXX PA '' and is located in XXXX XXXXXXXX, Tx and I live in XXXX, Tx over XXXX hours away. After researching this physicians office, I learned that the address and picture is to a restaurant in XXXX XXXXXXXX, has no website and reviews are full of people complaining about the same thing I am reporting to which is a fraudulent scam. 
XXXX has reported that the account was " Opened '' on XX/XX/XXXX with the " report date '' and " date of last activity '' of XX/XX/XXXX. On the other hand, XXXX has an " open date '' of XXXX, a " report date '' of XXXX, and a " date of last activity '' of XXXX. 
This dates have obviously been falsified because it has not even been a year of this company trying to collect a debt from me and the dates do not match up.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently reached out to Transunion about unknown inquiries on my report. I have 19 hard inquiries showing on my report for dates that are dame day pulls or back to back dated pulls. I have no knowledge of these companies pulling my report, nor did I ever give permission for it to be pulled. The only 2 car financing that I approved to pull my credit is XXXX XXXX & XXXX XXXX which was yo be ran for approval through my bank XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX. I did not approve another company to pull my credit. This has caused a major problem. 
Car lots are doing this alot & hurting peoples credit badly. It needs to be stopped.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (OH)

I CALLED NAVY FEDERAL YESTERDAY ON XXXX BECAUSE I WAS TOLD TO REACH BACK OUT TO THE FRAUD/CHARGE OFFS DEPARTMENT WHEN I CALLED OVER THE HOLIDAY WEEKEND. THE REPRESENTATIVE WHO I SPOKE WITH WAS VERY HELPFUL AND I WAS TOLD THAT THE REPRESENTATIVE THAT ORIGINALLY FILED MY DISPUTES, SUBMITTED THEM WRONG AND SHOULD'VE BEEN SUBMITTED AS FRAUD AS THERE WERE FRAUDULENT CHARGES ON MY ACCOUNT. I WAS TOLD THAT I NEEDED TO FILE A NEW FTC REPORT FOR MY IDENTITY THEFT AND FRAUDULENT CHARGES. NAVY FEDERAL CLOSED MY ACCOUNT IN XXXX AFTER REVERSING MY CREDITS WHEN THE CREDITS SHOULDN'T HAVE BEEN REVERSED AS I DID NOT RECIVE ANY PRODUCT OR SERVICES FROM INSTACOINS AFTER XXXX OF XXXX AND DID NOT AUTHORIZE THESE CARGES. PLEASE SEE ATTACHED FILES
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Kohl 's department store is reporting to the credit bureaus that an account has been closed and charged off but as of XX/XX/XXXX they keep updating the balance. To my knowledge if the account was closed in XXXX and charged off why is it still carrying a balance? This information is incorrect.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as hard inquiries. I do not notice these accounts and never applied for them. I then reached out to XXXX, Equifax, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Consumer complaint received 2023-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (LA)

Property XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX had a mortgage and they let other people rent the house and the they evicted them. I went and paid {$2000.00} cash to prevent eviction but they did anyway and no one moved Out XXXX XXXX is still there with her boyfriend that they say is my online husband
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I am filing a dispute in regards to incorrect items on my credit report. On XX/XX/XXXX an account was opened in my name as a result of identity theft. I have filed a report with the FTC XX/XX/XXXX and after their investigation this item has been deemed as a result of identity theft and has since been removed from my XXXX  credit report. The balance of this account is {$2100.00}
Consumer complaint received 2023-01-20
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. (IN)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so. I need you to remove the following fraudulent accounts and information off of my Credit File as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that you immediately remove the disputed items off of my Credit File.
Consumer complaint received 2020-11-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ivy Street Development Corp. (NY)

I recently checked my XXXX Credit Report and saw that Southern Tier Credit Collections had placed two negative late payments on my report. One for {$6600.00} and the other for {$1700.00}. Supposedly these accounts were opened on XX/XX/2018 at XXXX XXXX XXXX XXXX in XXXX NY. I have no knowledge of these bills, was never contacted regarding them and never asked for payment either by the hospital or the collection agency ; therefore the bills were never late. I have no knowledge of, or have any medical insurance claims for this date, or date range, and my medical insurance company, XXXX, believes that this may be a case of medical fraud, fraudulent medical billing or an illegal collection with made up amounts by Southern Tier Collections. I am asking that someone look into this matter. I have disputed this matter with XXXX but all Southern Tier Collections will tell the credit reporting agency is that they believe the account belongs to me. However, there has still been no attempt at contacting me ; this leads me to believe that this collection is fraudulent and I would like assistance in getting this removed from my credit report