davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo failed to pay property taxes in XXXX, for which I notified them and filed a formal complaint. They indicated they paid the back tax in XXXX, including the penalties. I recently received a notice from a collections agency that nearly {$12000.00} in school and local property taxes were not paid, {$2000.00} is for penalties. Wells Fargo was notified, and they continue to deny but it is valid. There will soon be a lien on my home. Throughout the process Wells Fargo has jacked up my mortgage nearly {$1700.00} a month for taxes they state they are paying, they have refused to complete an escrow analysis following a finalized court case on the property assessment appeal, and they have refused to allow me the option of managing my own escrow account. Managing it on my own would have proven more successful with both time and money. I have filed XXXX formal complaints with Wells Fargo but get nowhere.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instruction
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A. States I have the right to privacy. 

15 U.S.C.1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions. 

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX  Case case number is XXXX
Consumer complaint received 2018-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have two hard inquires on my credit report with Transunion and XXXX  for credit cards or some other type of applications signed with my name in which I never applied for. 
The first one is with a used car company called XXXX XXXX XXXX in XXXX. HI XXXX ) XXXX, XXXX reported on XXXX2017. 
They would not work with me to investigate this hard inquiry. 
The second hard inquiry is with XXXX out of XXXX. GA ( XXXX. 
They issue gas cards for XXXX gas station that I never applied for and was reported on my credit report on XX/XX/2017. 
I have contacted everyone and still nothing has been removed even after writing letters and copies of my identification with my picture and signatures. 
I just like these 2 hard inquires of of my report since the rest of the inquiries are mine. 
None of these businesses or credit bureaus are willing to remove these two hard inquires that are not mine. 
Trying to build credit and I do not apply for credit unless I am trying to get a bank loan.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX have violated my rights.

15 U.S.C 1681section 602 A. States i have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MO)

Ownership of my account was transferred XX/XX/XXXX. Per our agreement with XXXX and according to their Change of Ownership Contract all balances must be paid prior to transferring ownership of an account. 

I was wrongfully charged from XX/XX/XXXX- to XX/XX/XXXX for an account that was closed.
Consumer complaint received 2019-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc. (CA)

I received a collection letter from USI Solutions , Inc.  Dated XX/XX/2019 stating I owe the amount of {$52.00} to a Company called XXXX XXXX, ( attached ). I informed them in writing ( attached ) on XX/XX/2019 that I knew noting about this Debt nor have I ever done business with XXXX XXXX, this was within the 30 days they stipulated in their letter. My letter was sent certified mail and it was signed for by their representative on XX/XX/2019 ( attached ). As of today XX/XX/2019 I have not had a reply from USI Solutions , Inc. even though I specifically asked for a reply. My understanding is they have 30 days to reply and we are well past that deadline. My concern is not so much as the dollar amount since it is a relatively small amount, but the fact I know nothing about this Debt or XXXX XXXX and I need to get to the bottom of this before my credit is impacted for a debt that I do not owe. 
XXXX XXXX
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlanticus Services Corporation (NJ)

The collector is XXXX. Originally Fortiva with XXXX XXXX system. XXXX in total is owed. In early XXXX the company contacted my stepsons mother who was away on vacation regarding the bill. Not sure how they found her number and I do not share my business with her nor are we close friends. Two weeks later, they contacted my stepson about this same bill. I spoke to XXXX and her manager indicating I was not sure when I would be able to pay possibly at the end of the month. I do want to rectify it. They continue to harass and call repeatedly on different local numbers. Each one I block. They are now sending emails to my email account as recently as of last week, around XX/XX/2023.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: REGIONS FINANCIAL CORPORATION (CA)

I worked for XXXX XXXX  in XXXX XXXX, CA on XX/XX/XXXX. Due to issues that I have already filed a complaint with the XXXX XXXX XXXX about, I was unable to return to work. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX  that assisted with deleting my inaccurate direct deposit information ( which Comdata does not allow unless we have a card, which hinders the paychecks that we are forced to accept to receive or set up direct deposit for ) and ordered me a new XXXX XXXX. I should have received this card the week of XX/XX/XXXX. When I did not receive it I contacted Comdata and they claimed another was sent out supposedly expedited on XX/XX/XXXX. By XX/XX/XXXX, I called to confirm the order again and get an XXXX because at this point I'm having to borrow money to pay bills while trying to get back to work. They confirmed it was on the way and I am sure I confirmed the address each time and they verified they had the correct address. The rep provided me with a tracking number and said it was set to be delivered on Thursday, XX/XX/XXXX. Today, I check the tracking and it says it has been delivered way to XXXX XXXX, IN even AFTER numerous address verifications. So now they claim to have ordered ANOTHER CARD and it will be sent out in ANOTHER XXXX days. She didn't even bother to make it expedited even though I explained I have been waiting almost a month now. The rep has the most " XXXX XXXX XXXX XXXX '' attitude about it. 

Why does XXXX XXXX XXXX their employees to take a COMDATA card for paychecks and then show no concern, do not provide updated payroll information or make it convenient to receive our paychecks? I had not worked for XXXX XXXX since XXXX and the personnel said they updated their payroll system since then but THEY DID NOT SEND OUT INFORMATION TO UPDATE PAYROLL AT ALL. ASKING IF I STILL HAD A CARD FROM XXXX XXXX  AGO EVEN THO I HAD DIRECT DEPOSIT SET UP THE WHOLE TIME. THEY DO NOT CARE IF THEIR EMPLOYEES GET PAID ON TIME AS LONG AS WE WORK. XXXX WEEKS LATER AND I'M STILL WAITING ON A PAYCARD. THIS IS UNACCEPTABLE. 

Then COMDATA systems will not even allow us to log in and adjust our payroll or direct deposit information UNLESS we have their card. SO THEY ARE FORCING XXXX TO USE THEIR CARD but then WILL NOT EVEN SEND OUT CONFIRMATION EMAIL THAT IT HAS BEEN ORDERED, NO TRACKING NUMBER OR ANY INFORMATION. NOW XXXX WEEKS AFTER WORKING, I STILL HAVE NOT BEEN PAID. I HAVE BILLS TO PAY!! THIS IS HURTING ME WHEN I GET LATE FEES AND BILLS CUT OFF DUE TO NON-PAYMENT WHEN I'M LITERALLY WAITING FOR A CARD THEY HAVE ORDERED XXXX DIFFERENT TIMES. 

I already filed a complaint against XXXX XXXX for working their employees XXXX hours without our second break and now they are also making it extra hard to even get paid. 

This complaint is against XXXX XXXX AND Comdata.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

On XX/XX/XXXX, I contacted Checkr to file a dispute in regard to two cases listed as Evictions. I previously had a report ran by a different agency and had the XXXX case removed following my dispute and providing information I have that proves there is no public record being reported. I spoke with a clerk who confirmed they are no longer public record and I have to dispute them to get them removed. 
Checkr says it's valid and the information is correct based of public record and refuse to remove it. I have sent a 609 letter that they ignored all together. I have asked them to provide proof that the information is valid and they have failed to do so only stating its from public record. Again, based on public record there are no judgements or evictions listed for my name or previous addresses. On their report it clearly states Eviction record. I paid for the credit report via XXXX and was only able to use it for twice before the dispute. It has been over a month and I was not able to apply for houses. Nor was the information corrected. This incorrect information is hurting my chances of moving. I am attaching my proof that the Information is not public record and that it can't be verified as well as the results from the other companies investigation.
Consumer complaint received 2018-12-29
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: Nelnet, Inc. (FL)

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

In the beginning of XXXX, XXXX I applied for a job position with the description of being a personal assistant to deal with finances. I was sent a fake check by a fake employer and asked to send approximately {$2300.00} to XXXX XXXX, a supposed interested buyer for my " employers '' business, via Venmo. The whole transaction was a scam. I reported the incident to my bank and they reversed the fraudulent check transaction, however, Venmo still sent the money through and is now demanding I pay over {$2000.00} before they report me to credit bureau. I explained the situation to my bank, they spoke with Venmo, as well as to the police and filed a report. Originally, Venmo told me with the correct documentation they would reverse the payment, however they went back on their word and is now demanding I pay the full amount. After numerous emails they asked my lawyer contact their legal team. That message was sent XX/XX/XXXX of XXXX, they guaranteed a response within 10 days. However, my lawyer continuously called, sent multiple emails, contacted on XXXX, explaining of the unauthorized transaction and fraud, and gained no response until approximately two weeks ago. Which only goes to show their lack of care for these matters. I have attached Venmo 's response. This is not the first time a scam has happened with Venmo 's platform, I've been in contact with multiple others who state Venmo has easily reversed their transactions in a situation like this, not to mention XXXX XXXX, the person who aided in scamming me is still using Venmo 's platform. In fact, I was advised by The XXXX XXXX XXXX representatives to contact Consumer Financial Protection Bureau because instances like this are so common. I am a college XXXXt, soley paying for my tuition, I do not have {$2000.00} to pay, and I can not afford to jeopardize my building credit. I am asking for forgiveness in this situation, and understanding, this will not happen again.
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

Cain & Weiner is reporting a debt on my XXXX credit report that does not belong to me. The file number is XXXX, originally belonging to XXXX Rental Car. I'v contacted Caine & Weiner several times letting them know the debt is not mine and requested removal. They even verified information over the phone to prove it doesn't belong to me ( they admitted as well ) but blamed it on XXXX. I have disputed the debt twice via XXXX, nothing has happened.
Consumer complaint received 2022-11-30
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. (GA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. They have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiry and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiry and inaccurate addresses from my credit file. 
XXXXXXXX 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.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have requested for validation of the accuracy of how they're reporting on my account. It's reporting that my account is paid, but late at the same time. I don't understand how I can be late on a paid account. I have asked, via letter for this to be updated to paid as agreed, never late. PLease correct the errors as it violates section 1623 of the USC accuracy of reporting.
Consumer complaint received 2022-03-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Paid off mortgage loan on XX/XX/2022, was due a tax refund from escrow account in the ammount of {$4100.00}. It is now XX/XX/2022 and Freedom mortgage is telling me I must wait 14-20 business days to receive the escrow refund. My loan was paid off well over 30 business days ago. I keep getting the run around from them. 

My local taxing authority refunded a tax overpayment on XX/XX/2022, and Freedom Mortgage finally deposited it to my escrow account on XX/XX/2022. They are now saying I have to wait another 14-20 days before they will even mail it out to me.
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Garrison Investment Group (AZ)

Good day. 

Since XX/XX/2021, I have not been able to receive statements. I used to sign in online and despite conversations with the lender directly to understand why the statements stopped populating while I have made on-time payments struck me as unusual. 
No resolution has come from me trying to resolve this with Foundation Finance directly. I have some concerns as I do not see balances reflecting my payments. 
Even if they were applied correctly, I should be receiving a statement monthly on an active loan to see where I am. I am requesting assistance to get Foundation Freedom to show me statements for XX/XX/2021- Present. 

Thank you for your help.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NM)

I haven't received my XX/XX/XXXX mortgage statement from Shellpoint Mortgage servicing so I went online to get a copy of my statement ( statement date XX/XX/XXXX ). In the 'transaction activity ' section it stated that on XX/XX/XXXX I was charged a {$79.00} Late Charge due to not making a full payment by XX/XX/XXXX. Yet the same 'transaction activity ' section shows that they got a payment on XX/XX/XXXX a day before it was due. I called the XXXX phone number to speak with someone about why I was being charged a late fee and why my statement said I owed {$3700.00}. She looking into it and re-assigned my XX/XX/XXXX 'Principal Only Payment ' to a 'Regular Payment ' she also claimed to have taken the late charge off my account. She then asked me to check my account online and said it would show the changes she had made. As requested I checked my online statement which still showed that I had not made an XX/XX/XXXX payment and that I was late. She then told me it could take a few months for the change she requested to show up on my account. I then asked if I did in fact owe {$3700.00} as per my XX/XX/XXXX statement and she told me know due to the changes she had requested I should only owe my normal payment. I then asked if they would then issue a new statement to reflect that I didn't owe {$3700.00}, and she said no. I then asked if I could get something in writing stating that I didn't owe {$3700.00} on XX/XX/XXXX and she again said no. We also spoke of the fact that they had sent me a bill for {$120.00} in additional escrow owed in XX/XX/XXXX but for which they didn't cash my check till 3 months later in XXXX. She explained that it probably got lost in the mail. Ever since my mortgage servicing was changed from Greentree to Ditech to Shellpoint I have had problems with them properly posting my payments. They are always late and often mis-assign the over payments ( extra principal payment ) that I have made every single payment since the origination of this loan. I have over paid for almost 16 years now. I now have an XXXX FICO score and don't need a late payment on my credit rating due to Shellpoint mortgage improperly assigning my on-time payment.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

In accordance with the Credit Reporting Act XXXX XXXX XXXX reported by XXXX reported for the months of XX/XX/2022 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account for under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

I have no affiliation with the furnishing company nor have they provided any services to me. They've not provided the verification method or valid information linked to my accounts. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account name : Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States. No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) section States. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

I have never had a phone bill with XXXX. However, one did appear on my credit over a year ago. The representative from XXXX advised me to file a police report- i did. XXXX removed the account from my credit. 

That said, an account by Enhanced Recovery in regard to XXXX was placed on my credit. I never received a collection notice from them- if i had i would have advised them that the account was fraudulent