davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WA)

Signed up for free credit report through Experian when I was buying a house. They started charging me monthly. I contacted my credit card company after several unsuccessful attempts to contact them. My credit card disputed it, but monthly it shows up that I owe them and I never wanted anything but the free service. I changed cards 3 times and somehow each different card with different numbers were still being charged. Finally I closed the credit card that this was being charged to> I am still being charged even with a closed account!
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

In 2008 I lost my home at XXXX XXXX XXXX XXXX XXXX, GA XXXX I lost it bwcause I was out of work when I finally gained employment I tried to get a loan modificatioon from Wells fargo. 

I was told over the phone and you can check their recordings. 

" That they do not give loan modifications to XXXX  people. '' I was floored to say the least and I lost my home. 

I did not know until now that I had any recourse on this and any way to hold Wells Fargo accountable for their prejudice.
Consumer complaint received 2020-08-25
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. (LA)

The 3 credit bureaus, XXXX, XXXX, & Equifax are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

They put a 14 day hold on deposits .they didnt do that before.we where charged over draft fees wich made us be overdrawn on our bills and accounts. Subsiquently closing our account.XXXX to XXXX
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have gave ALL parties 3 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I will pay alleged debt and not just verified. This account has been removed and XXXX XXXX XXXX continues to furnish the account on my report without sending me any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account deleted IMMEDIATELY!!! Please see attachment!!! 18 USC 8
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SUNCOAST CREDIT UNION (FL)

I was scammed by a sophisticated pseudo scam thru XXXX and I disputed 17 charges for which they only claim to do an investigation of which they didn't do and then turn around and agreed with XXXX that it was ok for me to be scam of over 90 thousand dollars.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

We have applied for a mortgage Refinance with Santander Bank of our home and wanted to replace our septic system with part of the loan proceeds. We were even willing to have an escrow set up for the septic install. 
The bank said per XXXX XXXX guidelines its required to have a septic inspection and a new system installed if needed prior to closing. 
We applied for a Betterment loan from our local Board of Health and are in the process of the system install but it will take sometime to get the system completed. ( Covid slowed process ). What is the XXXX XXXX requirement for a refinance? The Board of Health has indicated they will write a commitment letter for the new septic install and we are currently living in the home. Is there a XXXX XXXX  waiver? Waiting is costing us money every day we don't refinance. 
BTW a new septic system traditionally does not increase value in a home so the upgrade will not impact the appraisal.
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXXXXXX XXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX   XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX {$3500.00} XXXX XXXX {$1000.00}
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Sometime on or before XX/XX/2020, we submitted a loss mitigation application seeking to retain our property. Wells Fargo didn't respond to our request until XXXX XXXX. See email correspondence between our legal counsel and the banks representative attached hereto. The email correspondence also reflects Bank 's counsel apologizing for the delay. The denial is dated XXXX XXXX although received on XX/XX/2020, and according to the document a homeowner may appeal within 20 days from XX/XX/2020. It appears on its face in that Wells Fargo Home Mortgage have engaged in Florida 's Unfair Business Practices. Denial letter must be sent within reasonable time so that a homeowner have the opportunity to appeal. In our case Wells Fargo provided notice of denial two months after its expiration so that there's no change to appeal. In addition, Wells Fargo failed to process the application accordantly as they failed to include all financial information provided to them. The denial reflects an allege monthly income in the amount of {$4800.00} when in fact our monthly income {$7600.00}. Wells Fargo didn't not include all of our income because it would have trigger an approval instead of a denial. These actions goes to the heart of Florida 's Unfair Business Practices.

Wells Fargo is a fraudulent servicer and everyone knows that expect for the Consumer Financial Protection Bureau. At this juncture we ask that you investigate this case and come up with a RESOLUTION it evident that Wells fargo have engaged Unfair Business Practices.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-25
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)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I tried to fix this problem with this company on XX/XX/XXXX.I sent him a formal request for investigation for information that is not mine. An invalid item which do not belong to me, was found on my credit report. I've done the hard work, checking accounts against records and this account is not mine. So I want that item to be removed from my credit report.Please help me to solve this issue because it is not fair that this negative item is being reported if its not mine. 

The accounts I am writing to you about is listed below : 1. CAVALRY PORTFOLIO SVCS   account # XXXX, Placed for collection : XX/XX/XXXX, balance : {$11000.00}, status : In Collection.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MD)

I received my statement with the closing date of XX/XX/22, There were XXXX charges on the statement. I received and paid for the item in the amt of {$10.00}. The XXXX  item was never received. I notified the company that it wan not received. My bill should have been XXXX at this point. The next month I received a statement with late charges and the amt of the item I did not receive was still included in the balance. This went on for several months-more late fees and interest. I made several phone calls to the company and to Commenity Bank explaining the situation. I continued to receive bills with mounting interest. On XX/XX/22 I sent a letter to both Woman Within and Commentiy Bank to which I never received a response. More phone calls and interest. A couple of weeks ahgo Commentity called me and I explained the situation. The person I spoke to said she was going to note my account-refusal to pay. I do not owe them any money. I paid for what I received. I received a bill yesterday and the amt is {$230.00}. All interest and late penalties. Somewhere along the way Woman Within did credit me for the item I did not receive but they never credited for interest and late charges and they are still mounting. I don't know what to do!!!! ( I did receive something that I did not order and was addressed to someone in another state and sent that back )
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

I called XXXX XXXX at XXXX about a collection EOS CCA is attempting to collect and is furnishing on my credit report, the supervisor said they dont have any information about the account. I called the collection agency EOS CCA whose reporting the false account on same date at XXXX and spoke with XXXX XXXX XXXX She said I cant dispute it and they dont remove derogatory marks from consumers report I have to pay it in full then she will add paid in full to my credit report, I told her i never had XXXX so she said send her a police report, proof of residency since 2016, and proof of the phone carriers contract that I have since 2016 and I dont know how or where to get those information, she said they wont stop collecting unless I send those impossible to get documents and if I do send them in EOS CCA dont remove stuff from peoples report once its place for collection. I did not open and account with XXXX and I never use home phone, I always have cell phone, EOS CCA pulled my credit without my permission to get my information and is now acting like Im the owner of a random debit they are trying to link to someone. They didnt send me a notice, they dont provide me a mailing address send documents to, this is extortion
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OH)

I have disputed a debt from National Credit Systems and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

It's my understanding that I may get weekly credit reports using XXXX. Otherwise, XXXX, Experian, and XXXX will only update once a month, if I'm lucky. I know that several items have been removed from my report and/or disputes have been resolved. I do not know, however, what the results of these disputes are nor have my online credit reports changed at all from XX/XX/2020. When I try to get these reports via internet or by phone, all 3 agencies are now stating that they can not give me this information. XXXX, the worst of all, claims that they have no such person in their database matching my name, SS #, and address. They are just lying. I was found quickly enough last year when I was found to be a member of the Class Action that was filed against XXXX  for the release of my information. XXXX XXXX 's excuse is that since I have an ongoing dispute, I can't see my credit report, including, but not limited to, the results of prior disputes filed. I have been very aggressive in going after these fictitious accounts lately, after spending the past few years having my XXXX XXXX and trying to recover. I believe during this period of time is when all this false information was added to my reports. The credit agencies seem to suddenly be either ignoring me or trying to avoid me. Neither will work.
Consumer complaint received 2019-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (UT)

Today I received a letter from Dynamic Recovery Solutions claiming that we owed a debt from a company we have never heard of. It claims to have been from a medical group in Arizona. We haven't lived in Arizona in years and the entire time we were there we had Medicaid insurance through the state that covered 100 % of our medical bills. It is impossible that we could have had a medical debt while there. We have never once had a bill sent to us or any attempts at communications with us to deal with any supposed debt. The supposed original creditor has countless complaints filed against them for sending bills to collections agencies rather than to insurance companies. 
This debt does not belong to us, and we will be sending a cease and desist letter to them. We will also be pursuing any and all legal options if this company continues to threaten our credit reports with false debts.
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: Credit Systems International, Inc. (TX)

XXXX XXXX popped up on my report on XXXX. I reached out to the company as I did not recognize this. I called and the woman I spoke to asked basic information. My name, phone number, etc. She then asked if I had any other names, said yes and gave my maiden name. She put me on hold and came back on, said she couldn't find anything. I said well it's on my credit report. She said, I understand and I even asked my supervisor to look and neither of us could find anything. It must be an error on your credit report. I told her thank you and she said to reach out to the credit bureaus. 

Credit Systems popped up on XXXX. Again not something I recognize and I immediately called XXXX and requested a fraud alert as this is the second item to pop up in less than 2 weeks. I was told an alert would be put on on three credit bureaus and I was transferred to the Fraud Dept. 

Was advised to complete a report on the FTC site.
Consumer complaint received 2021-05-13
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. (SC)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I had the opportunity to payback arrears in full and the next day was the deadline. I forgot who I talked to but they told me even though I pay arrears back. They can't guarantee that my house will go into foreclosure. So I had to file for XXXX XXXX bankruptcy and I eventually sold my house to a cash buyer. This process took place through XXXX XX/XX/2019. Please advise XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cooling & Winter LLC (GA)

cooling & winter case number XXXX my name is XXXX XXXX. I was sent to court by this company back in XXXX. at later time I disputed the collection through the credit bureaus since the account did not belong to me. the account was open as a result of identity theft. The debt was removed from my report and now the same company came after me trying to garnished my wages for a total amount of {$560.00}.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (NY)

This is an old one and I have no expectations, I just want to clarify that Wells Fargo has been abusing their customers for decades. In 1999 my husband and I bought a motorhome for a work/live situation as his job required travel. Shortly after the purchase he was injured at work which resulted in a XXXX XXXXXXXX. We had purchased XXXX insurance on the loan and they paid the note directly to Wells Fargo but, after the final payment on the loan was made, Wells Fargo declared the note " charged off '' instead of " paid off, '' we tried to get this corrected but to no avail, being told that Wells Fargo could do as it pleases and we'd simply have to live with it. From that moment on we couldn't get a loan for so much a box of cereal, it affected us right up until my husband died of his XXXX, and occasionally pops up on my credit reports to this day.
Consumer complaint received 2023-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

My loans were transferred to Mohela from Fed Loan servicing. On XX/XX/XXXX I submitted an XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX. After waiting XXXX months Mohela marked this form incorrectly as a duplicate. 

On XX/XX/XXXX I called and spoke with the XXXX She gets back on the phone and states oh there are XXXX payments missing I sent a request to have them applied. I responded there are XXXX  years of payments missing. Her response was oh I made a mistake. It has now been sent back to review with another XXXX  day time frame. 

Mohela is mishandling forms left and right. I should be at XXXX necessary payments and my loans should be in the process of PSLF forgiveness. Please help me.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

Experian is reporting information regarding XXXX BANK XXXX .... on my credit report, and their system refuses to let me re-dispute. No other CRA is reporting it, only Experian. Creditor 's statement : Account transferred to another lender, and Experian refuses to investigate the name of that lender. Moreover, I have no knowledge of the account.