davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

We had a mortgage loan with Wells Fargo beginning on XX/XX/XXXX in the amount of {$140000.00}. The loan was assumed on XX/XX/XXXX and Wells Fargo records show that the payoff amount was {$140000.00}. A Qualified Written Request was sent to Wells Fargo on XX/XX/XXXX asking for the amount of the mortgage at the time it was assumed, the name of the company assuming the loan and the amount held in escrow. The name of the company assuming/paying off the loan was not provided in their response of XX/XX/XXXX nor the amount of the mortgage. 

I received a letter from XXXX in XX/XX/XXXX stating that the are now servicing the loan. 
Recently I had my financial advisor, my father look at the transactions and he discovered that XXXX had inflated the loan upon assuming it from the amount due of {$140000.00} to {$140000.00} AN INCREASE OF {$7000.00}. This was hidden from us and attempts to get Wells Fargo to provide information re company assuming the loan and the amount of the mortgage at the time it occurred has fallen on " deaf ears ''.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Home Loan Center, Inc. (AK)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I would like to remove all the following fraudulent items from my credit report : Lending Tree XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>. 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2017-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (IL)

I lost my job a few months ago, have not found another yet despite sending out several hundred resumes. I am also twice widowed so have no financial help. This has caused me to miss a payment on my Nordstrom card as I have XXXX mo in bills and no income. I contacted them and they have reversed one late fee, but TD bank who finances their card now jacked my interest rate to 30 percent and my minimum payment went from XXXX month to XXXX!!!! I can not pay that, my balance is on XXXX ... not XXXX!!! I have no other choice than to file bankruptcy if they are going to inflate my payments and interest this way!! I have never even been late on a payment before and have no control over if or when a company gives me a job and feel as if they are threatening me with remarks on my statement and not going to tolerate that!!
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MI)

Hello, For the past two years, Equifax has not been receiving or updating my credit file with my account information. Accounts that I had for years are showing up as basically being inactive, even though they are very much active. I have called Equifax on several occasions and submitted online disputes, but this has not helped. I have no collections or missed payments on my reports for the XXXX bureaus. And while I have excellent credit scores with both XXXX and XXXX, Equifax consistently has me almost XXXX points lower because they have not updated most of my information from my creditors in years and they do not show many of the new accounts I 've had over the past 4 years. In fact, nany of my Equifax accounts show that they have not been updated since XX/XX/2011. They also show my current address as one which I had 3 years ago. My current address is XXXX XXXX XXXX, XXXX XXXX, MI XXXX. They asked me to send in my license to prove this. I did it several times and they still never updated my file to this. My Equifax dispute number is XXXX, and I am attaching a report I received from them this week.
Consumer complaint received 2024-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

XXXXXXXX XXXX XXXX  XXXX Midland Credit Management Inc. 



On XX/XX/year> I received a court summons saying that Midland Credit purchased a debt that does not belong to me and I was not aware of, stating that they are taking me to court and I have 20 days to respond to the summons or a judgement will be put on me for the debt owed that I did not incur. I have never applied for a XXXX  XXXX account, and have never received any correspondence in the mail saying I owe a debt or that it was sold. I am a victim of identity theft and this account does not belong me. Contacting Midland Credit they were no help at all, so I am reaching out to the CFPB to help resolve this issue immediately. 

XXXX XXXX XXXXXXXX XXXX  XXXX Acct # ending in XXXX. Balance Claiming to be owed XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (UT)

I'm filling this complaint against : Plus Four inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV, XXXX. 
XXXX This company has reported a negative collections on my credit report in violation of the ( No Surprise Billing Act ) Both Federal and State. I would like it remove immediately. 

The Responsible party for this debt is my Provider at the time ( XXXX XXXX XXXX XXXX ). As they ordered this medical service after my XXXX XXXX were done with out my knowledge and with out my consent out side of my insurance network. It clearly falls under the ( No Surprise Billing Act ) both Federal and State. They are also in Violation of this Law by not taking care of this debt. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the company that the medical service was ordered by my provider. 
They are also in Violation of the Law ( No Surprise Billing Act ) By continuing to try and collect this debt from me. 

All XXXX  company 's are in Violation of the Law. ( No Surprise Billing Act ) both Federal and State. 

All XXXX  company 's were contacted by myself by Mail, Phone and Email to try and resolve this issue. 

I had XXXX XXXX done by XXXX XXXX XXXX in XXXX XXXX NV. They were ordered by my provider XXXX XXXX XXXX XXXX witch is part of the hospital. I was told by my provider and the hospital that that the XXXX XXXX would be 100 % covered by my insurance ( XXXX  XXXX ) and that I would not be billed for anything. 

This debt was acquired after the XXXX XXXX  were done by my provider with out my knowledge and with out my consent. 

The ( No Surprise Billing Act ) States that the provider and the third party have to work out the bill ( Debt ) and I'm not responsible for it. 

I also informed all three party 's involved of this. By Mail, Phone and Email. The provider ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) and ( Plus Four Inc ) of this. 


I XXXX XXXX XXXX swear that the above statement is true and accurate to the best of my knowledge
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc. (TX)

I have called this Company Blakeley Witt & Associates to pay the {$380.00} that shows that we owe on my XXXX Credit report. When I called the company today @ XXXX they are saying that we now owe {$550.00} and that the amount goes up every year and that it will go up again in XX/XX/XXXX. This is fraudulent. This credit report was pulled today. Verified with XXXX Credit Rep. This {$380.00} has been reporting to this credit bureau since XX/XX/2012. We would like to pay {$380.00} but nothing more because we are going off what is reported. Have been declined for a place due to this ONLY thing that is stopping us. Orginal Creditor is Estates of XXXX. now called XXXX.
Consumer complaint received 2024-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (CA)

BEEN FAXING SINCE XXXX AND BEFORE FOR MODIFICATION, SAID NEED XXXXXXXX XXXX BUT AM XXXX XXXX  ALSO SENT SAID CANT READ AM USING MY PHONE AM A XXXX XXXX SO MAY NO BE CLEAR HAVE MY XXXX  SENDING FOR ME ALSO BUT ALL WAS SENT
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (UT)

Dear XXXX Staff, I have been in contact with Experian Credit Reporting Agency ever since the first week of XX/XX/2017. I have repeatedly asked them to remove all addresses they have on file that are NOT mine. I have given them my current address and my former address of nearly XXXX years. However, any other addresses that are NOT mine have NOT been deleted. They also have NOT deleted any Credit Inquires that are more than 30 days old. It 's now been over 60 days and they still have NOT deleted these items at my request. I have also asked them to give me their procedures on how they do enter the information in their computer system and they have refused.
Consumer complaint received 2024-09-29
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: W&A Intermediate Co., LLC (MI)

Collections can not be reported as late or open. 
This is a major FCRA violation. According to code 15 USC 1692g. Please have collections removed immediately.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Describe what happened so we can understand the issue ... 
I am a victim of fraud, I lost my wallet some years ago. I called all XXXX credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report XXXX times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment. 
XXXX PLEASE REMOVE ALL INQUIRES THAT DO N'T BELONG TO ME
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (FL)

First off I have Nearly Perfect Personal Credit. Scores Above XXXX FICOs. I submitted an application for a Business Credit Card for My 100 % Owned LLC. PNC Bank asked for my SS Number and TAX ID Number for this submission. After taking nearly and entire Month and few days of requesting Nearly every single bit of documentation and interviewing with Several Bank Officers both in-person and over the phone, they decided to Decline My Application. The reason was because they wanted me to move {$100000.00} or more into their Bank from my main operating account before they would Consider Approving Me.?? 

I have Never heard of such procedures. Truthfully, I had no response to this ridiculous posture they had taken. I need someone to look into this UnFair Practicing of Lending, Credit access should be Fair and above Board. Not hidden. Here 's a quote directly from a Branch manager [ XXXX XXXX ] in XXXX Florida regarding the Credit Card Denial : " Regarding the business credit card, as previously mentioned, we are a relationship bank. We can submit an application, but approval is not guaranteed. Our policy requires prospects to bank with us for a minimum of 4 months to establish internal credit stability. '' This Torture began in the beginning of XXXX in 2024 [ XX/XX/XXXX to be exact ]. They denied both my Credit Card Application as well as Line of Credit Access. This Process ended sometime in the XXXX week of XXXX of 2024. Reference # XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (OH)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Debt - XXXX Dear XXXX, I am writing to dispute the debt listed on my account with the above-mentioned account number. I believe this debt is incorrect or has been paid in full.

Th

e Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing owing any and all debts to you.I am revoking all rights of you communicating with me through email/text/and or phone.

I am requesting debt validation, purchase agreement between you and the original creditor, and for you to furnish proof that you are licensed and bonded.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (RI)

XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt and Cease of Communication Dear Midland Credit Management, I am writing to formally request validation of the debt you claim I owe of {$450.00}, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g. I have made attempts to negotiate this debt ; however, those efforts have not been successful.

Before proceeding with any negotiation, I require that you provide validation of this debt. Which I have already requested and made attempts to achieve such information yet to receive it.With that being said, I ask that this includes, but is not limited to, the following : 1. The amount of the debt. 
2. The name of the original creditor.

3. Evidence that you are authorized to collect this debt.

4. Copies of any relevant documentation, such as a judgment, if applicable.

If you are unable to provide the required validation, I request the immediate deletion of this debt from your records.

Additionally, under 15 U.S.C. 1692c, I hereby request that all communication regarding this matter cease while I await your response. The current level of communication has become distressing, and I believe it to be abusive.Ending off, I strongly believe this request is warranted due to the fact that you obtained my information without my consent, in violation of my privacy rights. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, consumers have the right to have their personal information handled with care and to be informed about how their information is obtained and used. I did not provide authorization for you to collect or use my personal information in relation to this account. 
As such, I request that you take immediate action to remove any collection account associated with my name from your records. Furthermore, I ask that you confirm in writing that this account has been deleted and that you will no longer report any information related to this account to credit reporting agencies. 

I appreciate your prompt attention to this matter and look forward to you response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (OR)

After reviewing my ChexSystems report there are several inquiries to my report that I do not recognize. Please delete these fraudulent inquiries from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-28
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. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2017-03-20
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A. (MO)

It appears that an old student loan that I have received confirmation from the original creditor was marked as a paid keeps being resold and I keep having the issue reported on my credit reports. I disputed the validity through the credit reporting agency but the debt collector reported the date was valid. I sent a certified letter to most recent debt collector Weltman Weinberg Reis on XX/XX/2017 requesting information about the alleged debt. They have not replied to my letter and the entries are still on my credit reports.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed an account with XXXX on an auto loan that was reporting as 30 days past due for XXXX 2016 with XXXX and Transunion. They investigated the results and notified me that the account was correct and verified with the creditor. I followed up with both reporting agencies with evident showing screenshots of the payment days for the month prior and month reported past due from the creditors website and asked them to provide information that the creditor provided them. Neither creditor has responded and they still continue to report 30 days past due for the account.