davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-02
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

For over a year now, I have worked diligently and relentlessly ( with Wells Fargo Home Mortgage ( WFHM ) ) to purchase an estate property ( via short sale ; the owner had a reverse mortgage ) - all to no avail. WFHM 's procrastination and misdealings ( conveniently for them ) caused several appraisals to expire ( the first of which I submitted, in a timely manner, all of the requested documents and a deposit/earnest money ), only to have WFHM do XXXX additional appraisals ( with significant price increases - specifically, WFHM 's last appraisal is $ XXXX higher than their initial appraisal ). To make matters worse, WFHM did not send my initial dispute ( appraisal ) to HUD ; and ( although WFHM said I could submit the outside appraisals and market analysis/comparable report ), WFHM is not really considering the XXXX outside appraisals and the comparable report submitted ( for the disputes ). I have reached out to several WFHM employees ( from Home Preservation Specialists to the CEO ) and continue to get the runaround and/or conflicting info. I have done everything requested ( by WFHM ) ; now, time is long overdue for WFHM to conduct themselves ethically, efficiently, and professionally ( to process the short sale ). In the interim, while this longstanding snafu is being " worked '', I am very concerned that the property will be foreclosed on XXXX XXXX XXXX.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

Applied for credit, discovered my report is merged, only through Experian, with another persons. Placed a 90 day credit alert through XXXX to be safe. Recieved a letter from Experian stating they can not honor my request. Called and was told I would be transferred to a department that would fix the issue - was an automated line with no help. Called, communicated the issue, was told 3-5 business days it would be fixed. Received a letter stating an inability to honor my request. Was contacted by the individual my report was merged with informing me our reports are still merged and that they received my personal credit information along with theirs.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
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. (NY)

I am now requesting proof of the previous investigation with XXXX XXXX, account XXXX. I'm asking that you send your method of investigation, along with all records of who you spoke with, business address, name, and phone number as well documentation that proves this account was late. If you can not provide me with this information in 15 days update the account to Paid/Never Late and send me a copy of my updated credit report.
Consumer complaint received 2015-12-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (TN)

I had a loan with care credit and we had a payment plan of {$11.00} a month I borrowed {$250.00} made XXXX perfect on time payments through money orders every month I had to call and make them send me a bill I got the bill down to {$130.00} and then I get a call stating I 'm not paying my bill and it 's {$280.00} due to late fees they quit send ing me a bill and would not send one wanted my bank account. I refused said I would send them a money order I called often to get them to fix my bill due to it always being XXXX or more a month it 's been turned over to someone else for {$500.00} and they said it 's been in default since the month it openedand told me to contact you. I had proof they were putting false information on the credit report on XXXX pix it would say good payments till this day and in the info it would say no payment since a date on bottom it said good and the close date was different every statement and as we 'll as the payment not being what we agreed upon it has dropped my credit a XXXX points I want this fixed I only owe {$130.00} not {$500.00} they claim and woman said this happens all the time with this company please fix this so my credit goes back to normal my mom has called on this many times and I 'm getting no where with this company
Consumer complaint received 2015-04-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Malcolm S. Gerald and Associates, Inc. (NJ)

I have received repeated calls from this Malcom S Gerald & Associates. Every time I call them back, they do not answer and I have yet to speak to a live person. 
They have been calling many times and never leave a voice message. I do not know who this company is or why they are contacting me as I have never received anything in writing from them.
Consumer complaint received 2015-08-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NV)

I am trying to refiance my home loan, I have gone to the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and both of them say they can not give me a better rate on my home loan because US Bank is reporting 99 months of payments on my home loan as follows:XX/XX/2015 - open XX/XX/XXXX Mos. reveiwed XXXX, 30 days past due 13 times ( no date ) 60 days past due 2 times ( no date ), 90+ days past due 6 times, payments {$1100.00} for 600 months ( no date ), US Bank said it is not reporting anything past due as far as there records show everything is current. and that they do not report from the day we received the loan XX/XX/XXXX. I need to have this information removed from my report it is the only thing I am told that would take my credit rating down to XXXX and my husbands down to XXXX, one of the reason stated is time since delinquesncy is too recent or unknown. The reporting is on page XXXX of XXXX in the attached document.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (KY)

There are several remarks listed on credit which do not belong there. No verification is obtainable and the following remarks need to be removedState Tax lien # XXXX XXXX # XXXX Outdated and inaccurate all XXXX XXXX accounts are open and active and paid on timeXXXX XXXX XXXX Inaccurate and needs to be removedXXXX XXXX XXXX XXXX Unknown and no such debt owedXXXX XXXX XXXX Unknown and tried to request verification nothing is obtainableI want the above removed off of my Experian credit file
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is reporting a collection item by XXXX XXXX that is not a validated debt. I have asked for this information from them but they will not provide it to me. They say they previously sent it to me but I have not received anything. In my recent complaint about them through consumer finance they said they sent me a notice in 2013, but I never received the notice and invoice they say they sent to me. 
I am disputing this debt because I am not being given enough information to figure out what these charges are specifically for. I gave XXXX of XXXX XXXX the proper notice, letting them know I was moving at the end of XXXX of 2013. I believe they are trying to charge me for rent after we moved out. There should be no late fees because I provided notice. What is the misc Fee I? Why is there a Pest Charged Owed? Why am I being charged {$430.00} for rent - for what time period? How is this being calculated? What is the prorata amount and how many days am I being charged for? Why is there a utility reimbursement for trash, sewer and water? Where is the proof that XXXX of XXXX XXXX assigned this collection item to XXXX XXXX? How did they verify with XXXX of XXXX XXXX that these charges are valid, legitimately owed, and properly calculated? Did they simply look at a statement and take it as face value? How do I know they are licensed to collect in the State of Ohio where I reside? They have n't provided me with their license number and registered agent as I requested. I want this item removed from my credit report because it is an unvalidated debt.
Consumer complaint received 2015-08-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a mortgage with CountryWide home loans that was a conventional6 % fixed rate loan. CountryWide went bankruptcy and Bank of Americatook over the loan and my mortgage became FHA loan without mesigning any paperwork. Then I ran into trouble paying my mortgage andcontacted Bank of America who said they were going to defer XXXX payments to the end of mto the end of my loan. What they actually did was a modification andadded 16 years to my loan and over {$16000.00}. 
When I sat in the closing with CountryWide they told me they wouldnever sell or transfer my loan that was misleading and untrue. 
I 'd like to know how my loan went from conventional to FHA and how {$16000.00} was added to my loan. 
I also took a home equity loan with CountryWide that was transferred toBank of America then to XXXX XXXX. I was charged fees for paymentsand had payments that were n't applied correctly to the loan and whenXXXX XXXX took over the loan they harassed me and threatened me onregular basis about payments,
Consumer complaint received 2015-08-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

Recently checked credit report.Found XXXX late payment from Wells Fargo Dealer Services.Calledfaxed email proof of payment .Showing paid on time.Company still refused to remove late payment. Also asked for them to be removed from credit report. Due to the fact of inaccurate info from " WFDS :. The refused to do so.
Consumer complaint received 2015-04-09
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Experian Information Solutions Inc. (FL)

The problem is with EXPERIANTo know my score I paid {$1.00}, that is how they get my debit card information and they have been charging from XX/XX/XXXX to present the monthly amount of {$19.00}. Could not make it stop. 

XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX $ XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00}
Consumer complaint received 2015-12-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (SC)

My girlfriend paid off a personal loan at Wells Fargo I had. The next month I got a statement in the mail from them with reversed charges and reversed payments which then left a balance on the account that should have closed when she paid it off. That was in XXXX. I just got another statement with a balance of {$460.00}. I tried to get it resolved when the account was paid off, but was told I just need to pay it or it will go on my credit report.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY (TN)

I sold my business in XXXX of 2013. The person who bought it from me never paid the practice and my lawyers are working on that. Ihad credit card debt with an American Express Gold card that I have hadfor XXXX years. I explained to phone counselors on several occasionsthat it will get paid, once the buyer pays me. 
A few days ago, and without any authorization from me, a women namedXXXX XXXX left a message on my husband 's office general voicemail which everyone heard saying that I had a credit card dispute whichneeded to be cleared up. 
Yesterday she CALLED MY XXXX IN XXXX XXXX TO TELL HIMTHEY WERE LOOKING FOR ME!!!! That is a complete and totalinvasion of privacy and, according to my lawyer a violation of theFederal Fair Debt Collection Practices Act. How could they contactmy husband 's son ( we just got married and I am mortified by this )? 
What 's next? Calling his ex wife?? His siblings? His parents?? 

What can be done about this violation?
Consumer complaint received 2015-05-15
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Harvard Collections, LLC (CA)

on XXXX/XXXX/2015 i settled a debt with Harvard Collection who acted on behalf of XXXX XXXX XXXX. A negotiated amount to settle the debt in full was {$620.00} which was paid. Payment cleared my bank account within 3 business days. At that point the representative, XXXX promised a letter in the mail within 2 weeks showing the balance has been settled and credit reporting within 30-45 business days. As of today, i have not received a letter or this payment has not reflected my credit score. My credit report still shows a balance due on this account which was reported in XXXX 2015. XXXX is falsely billing me and when i settled the debt with Harvard Collection as payment in full. This is affecting me from purchasing a home and after numerous calls to Harvard i am being asked to file a consumer complaint. No one seems to take responsibility of the actions and its not only affecting me financially but emotionally also. It is hidious how companies can abuse consumers in such a manner. Due to divorce i had to let the account lapse but did step up to my responsibility and paid the debt that was settled between Harvard and I. If debt settlement is just a sceme to scam consumers, please let me know so i know in the future to deal with the issues in hand then try to do the right thing. 
I want a letter showing my debt is settled in full and this to be reported to the credit agency so it can reflect my credit.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a letter from Trans Union stating that I had signed up for a service with them. I contacted customer service to access this account that I supposedly had opened. Upon doing this, I discovered that someone had opened an account with what I assume is a fraudulent card, at an address I had never used, and took a copy of my credit report. Upon closing the account, I requested that my account be completely locked so that nobody can access it. I was told that it would be, but that they would not send me an email confirmation, and would not send a letter confirmation. He said that in essence I had to take him at his word.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2015-12-03
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Debt Management Partners LLC (TX)

A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to debt management partners LLC who sold it XXXX that they are the ones with the debt.
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. (FL)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 2015-04-12
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (IN)

Wal-Mart / Synchrony Bank is reporting a XXXX balance chargeoff on my credit report when, in essence, the account was never paid late. Moreover, they have put the account {$280.00} over my initial credit limit of {$400.00} which is lunacy. Finally, the company STILL has not made me whole after CFPB found Synchrony Bank ( the owner of my account ) /GECRB to have illegally offered credit card protection products. 

It should be noted that I currently have a TCPA complaint filed against XXXX XXXX XXXX, the current collection agency assigned to this account. This is still in litigation.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

CAPITAL ONE BANK USA, Acct # : XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.