davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, US DEP ED,  XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
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. (TN)

I disputed accounts with Equifax that had unauthorized charges due to previous identity theft. These charges were not discovered for some time, and because of this I was unable to file a police report. However, I did submit the claim to the federal trade commission upon discovery. As a consequence, I disputed accounts associated with this identity theft and Equifax refused to remove the information. I attempted to submit a new dispute with a personal statement, FTC documents and other supporting information via the Equifax website and received errors for XXXX  days straight. I finally printed and faxed the information to Equifax and the subsequent dispute was still not a success as Equifax refuses to remove this damaging information. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. The associated account are as followed : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX In addition, Equifax continues to report XXXX on these closed accounts.
Consumer complaint received 2023-02-24
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. (TX)

See Attached, ( if attachment is Error or failed to download document ) Read, The Identified Transactions are Not information related to Any transaction by me as the consumer. They are violating my rights as the consumer and I request them to remove these fraudulent reports from my report, and to Block and Delete.

These accounts are using my Social Security Number ( SSN # ), without my written permission or instructions to do so. Also, I have no Binding Contract with them, I have no account with them. No transactions have ever been made as the consumer with these companies, and they are using my Social Security Number for Gain and Profit.

Identity Theft Report FTC Report Number XXXX These accounts are fraudulently opened. 
-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 don't owe any of these accounts or companies and I did not give my Social Security Number to any of these companies to share. Thats a violation of multiple accounts and I should be compensated for Damaging my credit and Data Breach. Nothing on my consumer reports on the XXXX Bureaus, XXXX, XXXX, Experian. Nothing match on XXXX XXXX and XXXX, the balance does not match, and the name on XXXX accounts are in the name of someone's else or similar, ( Department of Education ). And I would like that to be removed and deleted for incorrectly reporting, I do not own that account, but it keeps reporting, closing the account, open the account and then transferring the account. I don't know what's going to happen next. but everything needs to be removed that are not reporting accurately. 

I ask via certified mail to remove all incorrect information and send me an updated copy of my consumer report, I yet have seen it in my mailbox. that's been 3 months ago. 

the last recent certified mail was XX/XX/XXXX to XXXX, XXXX, and Experian. I have not received an updated copy of my consumer report to gauge.
Consumer complaint received 2021-04-09
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 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

I contacted loan care on or about XX/XX/XXXX, inquiring as to why our property taxes had not been paid, as we received a final notice from the XXXX XXXX XXXX Department advising taxes had not been paid. Not only did I call, I also filed an online inquiry through our account portal. I was advised by XXXX XXXX that a ticket had been opened and they were working to resolve the issue. 

I had to contact XXXX XXXX again in XXXX as they did not apply our monthly payments correctly. While speaking with them, I advised them that I still did not receive a response advising that our property taxes had been paid from escrow. I was advised then they were in contact with XXXX XXXX XXXX Department and were set to be paid. 

On todays date, XX/XX/XXXX, I received notification that our property was sold on XX/XX/XXXX for {$140000.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. The notice advised that the buyer may institute an action to foreclose the property. 

We have never been late on a payment, short on the payment, etc. I filed a complaint on the same company back in XX/XX/XXXX for a separate issue and have had numerous issues with this company. 

After conducting extensive research, this company continues to do conduct business in such a manner.
Consumer complaint received 2023-02-22
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. (SC)

This is my 7th 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 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-12-26
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (MD)

This is really problems, 1st is they stated they wouldn't charge me more than 1 fee per day with my overdraft on my business account which they do, sometimes they charge me before the account even goes into over draft.

I've had issues with SunTrust before, Now even though I setup a overdraft for my account, they say it is the same account as my business credit card account which it is not and has a completely different account number and balance, as well as balance available. I had to write a check for supplies for a current job and looking online I see my overdraft account states XXXX balance {$5000.00} available, But the are returning the check, therefore messing up my relationship with this supplier and telling me it is based on my balance on my business credit cart which states {$74.00} available with a completely diff account number, I occasionally reach someone at SunTrust that knows what's going on and what to do. but as of lately no luck. Is there anything that can be done to make them abide by what I was told that it is a separate account with it's own available balance. If it were not, I'd have no use for it because I could just charge what ever amount from the business credit card to my account and not ever pay a over draft free. + their new 3 % cash transfer fee they started to charge me along with a {$38.00} overdraft fee. Not sure what has happened to SunTrust but they have become a group a lying fee hungry bankers!
Consumer complaint received 2020-05-29
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. (TN)

I have reached out to these companies numerous times, and they act like theyre going to assist with fixing whats wrong. However, the problem still is here. I says Ive filed bankruptcy multiple times and I have never done that. I have done everything that was asked of me and I was told my credit file was merge to someone else and that problem was fixed but it still has incorrect information on my credit report.
Consumer complaint received 2021-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-06-23
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: Nelnet, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-04-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NM)

On XX/XX/XXXX I sent a certified letter disputing information on my credit report on XX/XX/XXXX it was delivered by certified mail and I have not received a response to that letter nor has an investigation been open. I called today XX/XX/2021 and spoke to a representative in the fraud department and she informed me that they could not remove the information that was being reported Falsely on my account.
Consumer complaint received 2019-10-23
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 (NJ)

About a refinance application to my existing mortgage with interest rate of 7.5 % I tried several times in the last two years to get a refinance lowering the rates to at least 3.8 % but were not successful due to false credit reporting by the present lien holder XXXX XXXX XXXX. They reported that I was 30 days late in payments each month, from XX/XX/2019 to the present according to the credit reporting agencies. Before this loan was sold by Wellsfargo to this company I never had a derogatory credit report and my FICO scores run from 600 to 750. I never missed a payment maybe 10 days late but not consecutive 30 days late each month. As I spoke to another mortgage originator today. I was told about this problem. I have statement records of payment from where my account is which is wellsfargo bank that will show I never missed payments to this mortgage. 
I really wanted just to refinance and lower the interest on the loan which is extremely high and I could not get it due to this company 's false reporting to the three credit bureau.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NH)

I made partial payments 2 weeks early. Example : I owe {$1900.00} on XX/XX/XXXX. I overpay {$1100.00} on XX/XX/XXXX and another {$1100.00} on XXXX. This overpays by almost {$300.00}, and the early payment reduces my interest. 

They are not crediting my early payment, they hold it and say that I am late and they are threatening me now. 

I have given them {$59000.00} since XX/XX/XXXX. Normal payments would be {$7700.00}. 

I'm being cheated. 

I have called them on the phone and they said they would pass it along to mgt. Nothing yet. 

XXXX XXXX
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC (CT)

XX/XX/2020 to Present day- Repeat phone calls to my family members { as young as XXXX years old } and non related friends. XX/XX/2020-The debt collection company did not want to resolve the issue by accepting small payments or discuss other options, they said " We will consider this a refusal to pay '' and threatened my credit. I do live on a tight budget, so large payments are not possible.I am more than willing to work with them on resolving the issue, but the constant phone calls to my family and friends is harassment and can not be tolerated.
Consumer complaint received 2020-05-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (WA)

Dear CBPB, XXXX  XXXX XXXX, which was my original lender for my FHA loan ( XX/XX/XXXX ) granted me a temporary mortgage modification after I had been laid off in XX/XX/XXXX. 
I had been able to make regular payments on my mortgage at the modified rate for almost 2 years. 
The loan was sold to XXXX XXXX XXXX XXXX, again as an FHA Loan, in XX/XX/XXXX. After working with them on a loan modification they refused to cash the mortgage checks and returned them. 
When I asked about this they insisted that I not make payments while the modification was underway. The initial request for a modification with XXXX XXXX XXXX XXXX  was denied, by which time my circumstances had improved somewhat with my self owned business beginning to pay better. 
I reapplied, and while in the middle of that application process, the mortgage was sold to XXXX XXXX  in XX/XX/XXXX. This time the loan was converted to a conventional mortgage. 
Starting all over again with XXXX XXXX, they too insisted on not accepting partial payments while a modification was underway. While trying to work with them the loan was sold to XXXX XXXX XXXX in XX/XX/XXXX. 
Most recently the loan was sold to BSI Financial Services in XX/XX/XXXX. 
I am now with our fifth mortgage service company. The payments remain unpaid due to BSI refusing to honor the original loan modification or any payment that isn't the full amount past due owing, approximately according to BSI, {$170000.00}. 
Having already gone into default on this loan, and being in foreclosure is causing XXXX  and XXXX   within the family. 
I do not want to end up homeless despite our best efforts to work with the numerous mortgage companies. 
I want to remain in the house and retain possession of our home. I look forward to your prompt review and resolution in our favor. 
Please let me know if I can provide any more information that will assist in your decision.
Consumer complaint received 2020-05-29
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. (LA)

I need to submit a copy of my drivers license and social security card to verify identity. Equifax instructs to submit these documents to their website myequifax.com. I have created an account on myequifax.com but am blocked and referred to their XXXX call center. Also, they provide a phone number to call ( as late as XXXX, ) XXXX which doesnt work- rings once and hangs up.
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo repossessed my vehicle in XX/XX/2022. I had paid months in advance and had a credit of over XXXX on my account I had lost my job and asked them could they apply the credit towards payments until I start working again. Initially they said okay and a month later I was told they could not apply the credit. And they took my vehicle. I was like XXXX months behind at the time when I asked for the credit to be applied to my car note. My note was {$490.00} and I made several payments of XXXX and was continuing to make monthly payments in addition to this. Wells Fargo is currently being sued for what they did to customers and I think I qualify to get paid from the judgment
Consumer complaint received 2019-03-15
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: Navient Solutions, LLC. (ID)

XX/XX/XXXX-Divorceproceedingsbeganwithmynowex-wifeXX/XX/XXXX-Mysoontobeex-wifedemandedIsignParentalStudentLoanpaperworkforourson.Irefusedbecausehewasworking;shewouldgetthemoneyandmostlikelyspendit;andweweredivorcing.

XX/XX/XXXX-Duringdiscovery,Ifoundoutforthefirsttimeshehadtakenoutseveralstudentloansandhadforgedmynameonthedocuments.Thisincludesloansforherself15yearsagoandmysoninXX/XX/XXXX,Ontheloanpaperworkprovidedtothecourt,mynameandSS#hadbeenhandwritteninonthedocumentsometimeaftertheoriginationoftheloansnowbeingservicedbyNavient.IwasadvisedtopursuethisasfraudwhichIdid.Thecourtgaveachancefornowex-wifetoprovethestudentloansweren'thers.ShetoldthecourttheloanswereminealthoughhernameandSS#oneverypageoftheloandocumentsandminewashandwritteninafterthefact.

XX/XX/XXXX-XX/XX/XXXX-Asaresultof17phonecalls,handwritingsubmissions,andsubsequentanalysisbyNavient,itwasdeterminedthesignatureswerenotmineandpositivelymyex-wife's.Requestsweremadetotakemeofftheloans.Navientsaidtheyneededacourtordersayingtheywerenotmyloans.

XX/XX/XXXX-Incourt,myex-wifeprovidedthesamestudentloandocumentsasbefore.TheJudgegavemyex-wifeonelastchancetoprovethestudentloansweren'thers.

XX/XX/XXXX-WewenttocourtafterItoldmynewattorneyinXX/XX/XXXXthatIneedtheJudgesrulingtoprovidetoNavienttoremovemyhandwrittennamefromtheloandocuments.TheJudgeruledmyex-wifehadn'tprovedtheloansweren'thersandthereforewereawardedtoher.IprovidedthecourtrulingtoNavientandtheDept.ofEducationand.requestedmynameberemovedfromthestudentloans.

XX/XX/XXXX-XX/XX/XXXX-Navientwasremovedfrommycreditreport.

XX/XX/XXXX-present-I'vereceiveddozensofphonecallsandlettersfromNavientlookingformyex-wife.I'vetoldNavientthatthisisnotmyex-wife'saddress,norphone#andhavegivenherstothemonmultipleoccasions.

XX/XX/XXXX-IreceivedaphonecallfromNavientrequestingIsignpaperworkformyex-wife,Irefusedandtoldthemtheyhaveacourtorderandtheyneededtoleavemeoutofit.Again,Igavethemheraddressandphone#timeandtimeagain.

XX/XX/XXXX-Navientputthestudentloanonmycreditreport
Consumer complaint received 2023-02-24
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 (IA)

LATE PAYMENTS SHOWING XXXX DAYS LATE ON MY CREDIT REPORTS FROM XXXX DURING THE PANDEMIC. I CALLED WELLS FARGO MORTGAGE AND MADE THEM AWARE OF FINANCIAL HARDSHIP DURING THIS TIME DUE TO LOSS OF EMPLOYMENT. I WAS TOLD THAT DUE TO CARES ACT THAT THE PAYMENTS WOULD NOT BE SHOWN AS LATE. THESE ACCOUNTS HAVE ALL BEEN PAID AND THE MORTGAGE WAS SOLD/TRANSFERRED TO XXXX XXXX  SERVICES XX/XX/2021 AND HAS SINCE BEEN SOLD AND THE ACCOUNT CLOSED. PAID IN FULL. I HAVE DISPUTED WITH THE CREDIT BUREAUS AND NO CHANGE HAS BEEN MADE AND IS STOPPING ME FROM OBTAINING A NEW MORTGAGE LOAN. PLEASE CORRECT THE INNACURATE INFORMATION TO THE XXXX CREDIT BUREAUS BY REMOVING THE LATE PAYMENTS AND UPDATING TO PAID ON TIME.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

The account listed on my account isn't mine. I have never been with the company they claim I owe. I have disputed this several times and I have gotten nowhere. 

This is the information I pulled from my reports. 

Company- AFNI , INC . 
Account # : XXXX
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I placed an order through walmart.com and unfortunately never received a merchandise I said inform Walmart that I never received the product and they informed me that it wasnt anything I can do I have time to dispute with capital one bank, and they also have not done with your diligence to help me resolve this claim. I have requested for capital one to submit their proof or findings of me having this product, and I have had no substantial answer from them. As of todays date, they just want me to pay for a product that Im not a possession of.
Consumer complaint received 2023-02-24
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 (FL)

On XX/XX/2011 Wells Fargo allowed XXXX income tax to take money out of my Florida checking account in the amount of {$1000.00} then charge me {$100.00} for the transaction. That was my Social Security income. A few months later Wells Fargo notified me that XXXX tried to take another {$400.00} but refused at that time. I would like to know why they felt it was right the first time but not the second time. Also, Wells Fargo has not explained the reason why they felt it was necessary or the right thing to do legally. I would appreciate your getting an answer from them.