davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

Hello- Experian has been provided proof that the accounts listed below are being reported in error and that their subscriber is no longer in business, or have failed to provide any proof of debt. I again ask that the information being reported be verified outside of XXXX and the names and contact information be provided to me if Experian chooses not remove the items in accordance with the FCRA 15 USC 1681 et seq. This erroneous information continues to be provided by Experian in violation of before mentioned statute. 

ACOOUNTS BEING REPORTED IN ERROR : 1. XXXX- XXXX, Not owed 2. XXXX- XXXX, Paid directly to provider, proof of payment provided We appreciate the CFPB 's assistance in having the above erroneous items removed or updated by Experian. 

Thank you.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Myself, my wife, and our son are all co-borrowers on this loan. All three of us are also on title to the property that secures the loan. Our son is now making the mortgage payments and we asked the lender to list his name and his social security number first so that he can claim the mortgage interest deduction. They have refused, saying they are unable to do so.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Subject : Immediate Action Required : Dispute of Incorrectly Reinserted Collection Account To Whom It May Concern, I am writing to demand an immediate reinvestigation of the collection account identified as XXXX XXXX XXXX XXXX This account was previously removed from my credit report, and I find it unacceptable that it has been reinserted without proper verification. 

I want to be crystal clear : I do not owe this debt. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information on my credit report. I expect you to uphold this responsibility without delay.

I require the following information immediately : 1. Verification of the Debt : Provide documented proof that this account is mine, including details of the verification process used for its reinstatement.

2. Original Creditor Information : Confirm the original creditor and their validation of this debt.

3. Explanation of Reinstatement : A detailed account of why this entry was reinserted after being removed. 
If you can not provide verifiable evidence supporting this account, it must be removed from my credit report immediately. I will not tolerate any inaccuracies that could damage my credit standing. 

Failure to comply with this request will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider all available legal options to protect my rights.

I expect your prompt attention to this matter, with a response within the 30-day timeframe required by the FCRA. 

Thank you for your immediate action. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-01-25
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2017 I received a notice from FIFTH THIRD BANK of an account overdraft. I was quite surprised because to the best of my knowledge all of the accounts I had at one time there had been closed and I have not received any communication ( either electronic, phone or post ) from them in the intervening YEARS until this notice. I went into the bank to discover that there were XXXX accounts ; XXXX checking for my then minor daughter who is now XXXX years old and XXXX savings account for her. When I sought to close the accounts I was told I had to make a deposit to each account to reactivate them before I closed them, and then come back. I did that. When I returned I discovered that the bank had been debiting XXXX accounts $ XXXX/month for at least two years -- maybe more, they would n't show me the records and I have no records of my own since I had closed the accounts ( or so I thought ). I asked for a refund of all the fees since I was never informed that ( 1 ) I still had XXXX accounts open ( 2 ) they were being charged monthly -- which would substantiate the fact that I did n't know they were still considered " open ''. The bank manager wrote his regional supervisor who approved refunding only $ XXXX/account, and yet I know that the accounts were charged in excess of $ XXXX/each, I do n't know the exact amount because I do n't know at what point they deemed them dormant and started charging the accounts. The savings account was my daughter 's birthday money, I thought at the time she could save it and perhaps make a little interest, as I did as a child. It never occurred to me that they could take her money away bit by bit. As it stands, I have no clear idea how much money was in the accounts before, and therefore I have no idea how much they actually owe my daughter/me beyond the remaining {$460.00} in the savings, they cleaned out the $ XXXX+ that was in the checking which is what triggered the overdraft letter.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

Carrington Mortgage has lost my XX/XX/XXXX & XX/XX/XXXX payments. it has been 47 days and they still can not find the monies. They have sent me a Right to Foreclose letter, even though they received both payments on time. I have sent in verification of payments, my bank has sent in verification of payment, i have faxed in checking statements, spoken to multiple people and still no resolution. The loan was refinanced by them XX/XX/XXXX - I have provided both the old and new loan numbers and they still can not find my payments. I can not get any Supervisors to return my phone calls and the Escalated Payment Resolution representative will not return any of my emails. I will mention XX/XX/XXXX when I refinanced my loan for a lower rate, I did not realize they provided me a new loan number. That being said, the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were all processed correctly. They can not tell me why beginning with the XX/XX/XXXX payment the issue began. The level of customer service and communication is deplorable. I work at a bank myself in the loan department and not once have I seen it take this long to find a missing payment - nonetheless XXXX missing payments.
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NY)

XXXX XXXX the security company repeatedly tried to collect on a bill that was never owed. I had service with XXXX when they overbilled me by {$250.00} claiming that they paid it to secure a permit for my alarm with the XXXX county Police. I have called them requesting that they produce evidence substantiating a permit application or payment in conjunction with the alleged application. In fact I have had such a permit with XXXX County Police that I paid XXXX for the past four years. I believe that they intentionally lied and misrepresented the fact that they applied and wanted to wrongfully charged me for money that was never owed. I immediately complained and they sold and transferred the account to a third party, when I complained to the third party they assigned the account to another debt collector.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called to have unauthorized hard inquiries removed from my Transunion report. The rep verified the inquiries were on my report, but said that even though the XXXX inquiries were made within 30 days, Transunion views these inquiries as XXXX whole inquiry. He said I would still have to wait for these inquiries to be removed.
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CO)

On XXXX XXXX, 2017 I made a deposit at a Wells Fargo branch office. The deposit consisted of XXXX checks and XXXX money order : {$1100.00}, {$930.00} and the money order for {$600.00}. The total deposit was {$2600.00}. 
I did my account reconciliation on XXXX/XXXX/2017 and noticed that the bank had credited me to much money for that deposit. Apparently, they credited me XXXX for the {$1100.00} but nothing for the {$600.00} money order. Their records indicated a deposit amount of {$3200.00}. 
Thus, the bank credited me {$520.00} to much money. I called wells Fargo and told them they had credited me to much money. They thanked me and I thought that the issue was resolved. The reference # for this conversation was : XXXX. 
The issue was not resolved. 
First, I received an email then written confirmation that Wells was charging me {$12.00} for a returned check item for the {$1100.00}. Wells also immediately debited my account for that amount but did not credit me for the {$600.00} money order. 
I called them on XXXX/XXXX/2017 and Wells told me they understood the issue and someone would call me on Monday XXXX/XXXX/2017 to make sure I would be credited the {$600.00}. 
No one called me. 
I called on XXXX/XXXX/2017 and spoke to XXXX in the customer care department who gave me a case number of XXXX. She told me someone would call me back within 1 business day. No one called. 
I called on XXXX/XXXX/2017 and again spoke to XXXX in the same department who assured me this would be taken care of that day and that someone would call me. No one called. 
on XXXX/XXXX/2017 I called again and was routed to three different people ending up with XXXX ( direct # XXXX ) who told me she was working on this issue and would call me back. No one called me. 
All I want is to have the money order I deposited in the amount of {$600.00} credited to my account and Wells Fargo refuses to do this. Essentially, Wells Fargo has stolen {$600.00} from me. I have truly spent over 4.5 hours so far trying to resolve this issue. 
That 's what you get for trying to be an honest person. 
Can you help me. 

I
Consumer complaint received 2017-01-25
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

My initial loan to buy my home was with Homecomings in XX/XX/XXXX ; it ended up with loan servicing Ocwen ; loan XXXX ; Ocwen had a foreclosure hanging over my head until XX/XX/XXXX ; Ocwen originated a loan modification agreement ( shared appreciation ) payments too high and did n't make sense at all. This week I received a form that Ocwen discharged {$220000.00} and they sent to the IRS. Where did this come from? Ocwen had refused to ever reduce the principal.
Consumer complaint received 2017-01-25
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (WA)

XX/XX/XXXX, I had paid off a Federal Stafford loan made through XXXX XXXX. I lived " debt-free '' and without using any credit for the next few years. Upon moving to a new state and renting a new apartment, I recieved a credit report claiming that I still had {$140.00} outstanding debt against the loan. Surprised, I contacted XXXX XXXX who were n't willing to give me any information about the loan, debt, or payments. 

Later that month, Pioneer Credit Recovery contacted my family ( NOT ME! ) concerning the " outstanding debt ''. I contacted them, asking why no one had made any collection attempts in the last 4 years so we could address the issue. I have asked them for any information concerning the issue and they have n't yet shown any documentation of attempts to collect from XX/XX/XXXX-XX/XX/XXXX. 

Since I have paid the debt already, I am currently in the process of disputing the validity of the debt and complaining that the companies involved did n't make adequate attempts to contact me so that we could have resolved the issue at an earlier date.
Consumer complaint received 2017-01-25
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (WA)

XXXX, I had paid off a Federal Stafford loan made through Wells Fargo. I lived " debt-free '' and without using any credit for the next few years. Upon moving to a new state and renting a new apartment, I recieved a credit report claiming that I still had {$140.00} outstanding debt against the loan. Surprised, I contacted Wells Fargo who were n't willing to give me any information about the loan, debt, or payments. 

Later that month, XXXX XXXX XXXX contacted my family ( NOT ME! ) concerning the " outstanding debt ''. I contacted them, asking why no one had made any collection attempts in the last 4 years so we could address the issue. I have asked them for any information concerning the issue and they have n't yet shown any documentation of attempts to collect from XX/XX/XXXX-XX/XX/XXXX. 

Since I have paid the debt already, I am currently in the process of disputing the validity of the debt and complaining that the companies involved did n't make adequate attempts to contact me so that we could have resolved the issue at an earlier date.
Consumer complaint received 2017-01-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Specialists, Inc. (KS)

I was served by XXXX XXXX sheriff a notice to appear in court at the end of XX/XX/XXXX. Court date was XX/XX/XXXX. I appeared to court that day and talked to XXXX women representing A debt collector. We agreed on a {$50.00} a month payment plan for 4 months. I paid {$50.00} on XX/XX/XXXX which I have a copy of the payment receipt { # XXXX ) from that transaction, and an additional form stating the agreement for 4 months on it. I work for the XXXX and I get paid once a month. On my XX/XX/XXXX paycheck there was a garnishment of {$460.00} from the debt collector I just made an agreement with, less than 2 months ago. I was not informed, or sued by the debtor, or given the chance to request a hearing but they took my money anyway without me knowing about it until I received my paycheck. This has completely devastated me and left me the inability to feed myself until my next monthly paycheck.
Consumer complaint received 2024-08-26
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. (CA)

I, XXXX, XXXX XXXX XXXX and living beneficiary of the person/estate XXXX XXXX have sent this notice to inform you that due to various concerns regarding a lack of fair and inaccurate reporting on my person/estate credit report. Your organization has not been meeting their reasonable procedures in a manner that is fair and equitable and has now caused hindrance in my ability to operate in commerce. 

This inaccurate credit reporting is a misrepresentation of my person/estate XXXX XXXX XXXX Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to, as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. I believe the consumer reporting agencies did not take the reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 
I, XXXX, XXXX XXXX XXXX XXXX XXXX and any and all derivatives ) am an indigenous aboriginal private american man and my person/estate is trust protected. 

Furthermore, I am aware that the Secretary of State records all business transactions under the Uniform Commercial Code. Ive received a financing statement from the California Secretary of State. Search Criteria shows NO RESULTS FOUND/NO UCC DOCUMENTS/LIENS FOUND. So why are you reporting debts that do not belong to my person? 

Not only is this consumer reporting agency violating several laws of the Consumer Credit Protection Act and the Privacy Act of 1974, but agencies are also violating the legal maxims that serve as the general principles/rules which govern the way in which equity operates. At no point was Equifax given any permission or had any authority to report these inaccuracies at any time.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX sent a repo company to remove a vehicle which was inside my property which has a gate. i informed the repo man do not take my vehicle and to remove his truck of my property and to remove his truck out my yard he refused and threatened to run me over on my own property and refused to not take my vehicle the police were called and they informed them to stop and remove there vehicle they refused the police informed them they were breaching the peace and can be held responsible along with the company that sent them. I CONTACTED CREDIT ACCEPTANCE and informed them of the action they never replied back ttill months later after selling the vehicle never giving me a chance to get my vehicle or return my license plate and personal belonging. I request that they remove the account or pay the balance of the vehicle plus send me a copy of the XXXX form for the sale. plus send me a letter informing me of there action if they will be deleting the account from all reporting companies.
Consumer complaint received 2017-01-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC (MS)

I do not have an account with Monterey Financial Services and therefore do not know why they are emailing as if I do. I got one bill from Monterey Financial Services and then XXXX XXXX transferred the bill back to their office and started sending me separate billing while they said they would credit my account and fix the amount owed since they never finished the work nor gave me financial credit in nearly a year. During this time I would receive a statements from XXXX XXXX thinking they will fix the tub which is not functional as the video on tv and internet said it would be. They advised that I was not to pay Monterey Financial Services and that I will be billed in house due to their error of not finishing the work and billing was incorrect. It is impossible for me to be in collections with Monterey Financial Services when I do not have any affiliation with Monterey Financial Services due to being billed for my account that is still in limbo for nearly a year. Also the work on this account was never completed and after more than XXXX calls and emails, faxes and certified letters no one from XXXX XXXX has decided to contact me to resolve the matter of the tub not working as it should and as of today 's date after sending a certified letter they have chosen not to respond. The tub which XXXX installed leaks and also now has disgusting drainage flies after the installation of the tub. As of today 's date no one came to fix anything and the tub does not get hot so in order to use the tub it 's cold water. They advised on numerous occasions what they would fix it and its been nearly a year and no one has ever showed up to do anything. I have no affiliation to pay for an account that was transferred back to XXXX from day one when I first got a bill from Monterey Finance I immediately called and was taken off the call list and billing list as a client and advised by Monterey Financial Services staff that XXXX has the account back. I never heard back from Monterey Financial Services office now after all of these months no calls, no statements were sent not even a letter only an email from XXXX XXXX XXXX advising me of arrangement to pay or obligation when there is none. No one can pay XXXX companies at the same time. No one can pay for services not completed, no one can pay one company for a few months then the other company for another then jump back to the finance company this makes absolutely no sense and is poor business practice. I will repeat I do not have an account with Monterey Financial Services and my account is with XXXX XXXX as billed I am still waiting for the work to be completed so I can use the tub and also for someone to get these drainage flies out of here from the sewerage line that was incorrectly installed. I have waited nearly a year for someone to show up I have emailed, called send certified letters and not one letter in return.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm m
y thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries have severely disrupted my life, leading to considerable XXXX XXXX XXXX. I must emphasize that I never gave permission for this information to be associated with my name, as I am a victim of identity theft.