davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: W.J. BRADLEY MORTGAGE CAPITAL (CA)

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENTS, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS TRIED THEIR BEST TO HOLD ON TO WHAT I HAD CREATED AND WITH ALL THE DIFFICULTIES THEY HAD TRIED THEIR BEST TO MANAGE TO MAKE PAYMENTS AND BE THERE FOR ME. 
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARKS FROM MY CREDIT REPORTS I NEED TO REFINANCE THIS HOUSE AND HOPEFULLY GET MARRIED AND START A NEW LIFE. 
MY RECORD IS SPOTLESS EXCEPT THIS TINY TIME WHICH I WAS NOT AROUND AND WAS SUPPORTING MY COUNTRY. NOW I NEED YOUR HELP TO REGAIN MY POWER AND BEGIN A NEW LIFE. 
APPRECIATED
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2016 My wife and I applied for a mortgage with WellsFargo. 
XX/XX/2016 Completed an RPA on XXXX, Ca XXXX, that included a security deposit of {$14000.00}. 
XX/XX/XXXX WF loan officer Loan officer emailed then called and spoke with my agent to tell her that the loan was approved. ( I have electronic copies of this email ) XX/XX/2016 My agent sent email to loan officer to confirm that in fact the loan had been approved and contingencies could be lifted. An email confirming this was received by agent who then removed contingencies. ( I have electronic copies of this email ) XX/XX/XXXX My agent and I separately tried to contact the loan officer to make sure that we were all set to close on XX/XX/XXXX. He was on holiday in XXXX and not answering his phone, returning calls or responding to emails. After calling the loan officer 's branch manager and leaving a message, she physically went to the branch office in XXXX. She met with the branch manager who had not been informed of the details of our file. She shared the emails with him and he told her that the loan officer should never have said that and that he needed to coach him to not say that in the future. 
XX/XX/XXXX closing date was missed due to incomplete financing. Seller denied extension and communicated intent to keep the deposit. 
Loan manager admitted fault in loss and provided contact information to apply for refund of deposit. 
XX/XX/2016 Official refund request was filed with XXXX at their Customer Care Recovery. 
Recurring 2-week extensions from WF until XX/XX/2016 when I was notified by XXXX that she was now reviewing the case and that any previous documentation could not be found. The entire process had to begin again. 
Recurring 2-week extensions from WF to date.
Consumer complaint received 2016-06-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX I received a call from a Wells Fargo rep stating that to avoid forclosue on my home I was to pay XXXX by XXXX XXXX. She gave me both the amount and date. I went to local branch on that day to pay and the local rep called in on how to proceed with payment. She was informed that I actually went into forclosue the same date of the phone call. I was then told I would have to be sent a reinstatement letter and pay that by due date. They never sent. I called back again and they apologized and would send another. I got it and it was XXXX more than the initial agreement. I called to dispute as the deal originally was past due payment only, no late fees or anything else. The reinstatement had late fees and attorney fees on it. They then put my account to review for the dispute. Then delayed the outcome of the review at least once maybe twice. When I finally got an answer they said everything was handed properly from their side. Admitted that the original called had given me the dollar amount but said no where on the tapes did she give me that date. Which is an outright lie. I requested a copy of the original call recording and they refused that unless they were court ordered to. If they have nothing to hide why are they refusing? They are trying to pull a fast one on me as they have to many others. It is n't right and I wo n't stand for it. I want a copy of the original recording. And I want them to come to an agreement on the original deal. It will be more now, yes but it should be what was promised in the beginning. All past due payments. Late fees on the back end and absolutely no lawyer 's fees as this is there companies mis communication not mine. I have been trying to pay since XX/XX/XXXX but I wo n't pay what was not agreed upon. Please help.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (IL)

I am writing to address my ongoing concerns about the disputed accounts on my credit report. I have repeatedly raised issues regarding inaccuracies in these accounts and requested thorough investigations, but I have not yet received any resolution or corrective action. 

These incorrect accounts are severely impacting my credit and creating significant personal and financial difficulties. I urgently need your assistance to resolve this matter as quickly as possible. 

Please conduct a detailed review of the disputed accounts and take immediate steps to update and correct my credit report. Restoring the accuracy of my credit file is crucial for regaining control of my financial situation. 

I appreciate your prompt attention to this issue and your support in resolving it. Thank you for your understanding and assistance.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX a debt collector, filed a lawsuit against me in behalf of Wachovia, who was later bought by Wells Fargo. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.
Consumer complaint received 2016-11-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical-Commercial Audit Inc (MO)

My daughter who was then over XXXX went to urgent care and signed in ; they even have the form. It was a type of workers comp injury from being a XXXX on which there is a WC case ( they also failed to check her a concussion not even doing a form as the neurologist says they should have but that is another story ) .. They billed me on my account ; I wrote them several times, not my bill, bill her separately and we can send it on to the wc and other insurers, Then when I paid on my bill and marked it was my bill only, they applied it to the charges that were not mine. They dunned me and sent it to an outside bill collector. when I sent a cease and desist letter, do not contact, he then sent me a new demand for payment .Others on XXXX have complained of questioned collection and billing tactics. Even when I wrote the head of the urgent care on XX/XX/XXXX, there still was no correction They even added a debt collection fee. They actually owe me a refund of {$24.00} which I demanded on XX/XX/2018 where through my bill pay I overpaid my bill. They also retaliated and when I complained pulled out an old bill on which the statute of limitations had ran and where I had disputed it and recalled even sent a payment in full payment. I wrote both the collector and the creditor, even sent a copy of the cease and desist statute and there was no correction or refund.
Consumer complaint received 2017-08-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX 2017 I contacted Wells Fargo corporate office by phone. Explain to the representative that I wanted to deposit my promissory note for a mortgage. The representative informed me that Wells Fargo does not accept promissory notes. I am formed Wells Fargo representative that it was against Universal commercial codes  law and also against the laws governing legal tender for a financial institution not to accept promissory notes from the public. This did not matter he proceeded to insist that Wells Fargo did not accept promissory notes implying that they do n't follow Universal Commercial Code laws which fall under the umbrella of Maritime admiralty law. I asked to speak to his supervisor he told me that someone would be in touch with me within 72 hours and he took my information down. So on XXXX XXXX 2017 a Wells Fargo representative by the name of XXXX XXXX call me back. He proceeded to inform me that Wells Fargo does not accept promissory notes but they produce their own promissory notes that the public has to accept. I am informed him of the laws governing promissory notes legal tender and the universal Commercial Code laws that apply he also insisted that they still do not accept promissory notes from the public again implying that Wells Fargo does not follow Universal Commercial Code laws. 
Here are references for the laws governing promissory notes ; Tender in terms of the Negotiable Instruments Act, 1881 : Public Law 73-10, Chapter 48, 48 Stat 112 ; U.C.C. Article 9 ; 31 U.S.C.
5118 ( d ) ( 2 ) ; 31 U.S.C. 463, Public Law 97-258 ; U.C.C. Article 4, 302 ; 12 U.S.C. 411 ; Securities Act 2 ( 1 ), 3 ( a ) ( 3 ) ; Congressional Statutes at large Title 62 ; Positive Law ; 31 U.S.C. 5312 ; U.C.C. 2- 304 ; 12 USC 1813 ( L ) ; Public Policy AND settlement in terms of the United States Supreme High Court of Justice Rule 45.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.
Consumer complaint received 2024-08-29
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX  XXXX  XXXX Balance : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am trying to get a letter of deletion/forgiveness for a late fee that was reported to credit bureau. It is for the month of XXXX. I called the company and they said they were unable to do it so I had to write the home office. I have n't gotten a response as of yet and I 'm in need of one.. I need the letter of forgiveness in order to pass the underwriting for my new home. That letter is the only thing holding me up from moving. My job changed it 's pay period so therefore I was late paying.My account is still open and current with prompt payments on time.
Consumer complaint received 2016-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AE)

XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over XXXX years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for XXXX years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.
Consumer complaint received 2016-07-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: 2288984 Ontario Inc. (MD)

I borrowed {$600.00} from XXXX XXXX and repaid almost {$800.00} in prinicipal interest and fees. They are now claiming that I owe an additional $ XXXX+ in fees and I believe it is unfair practices and predatory to require these additional monies.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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
Consumer complaint received 2016-12-06
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (CA)

On XX/XX/2016 Stoneleigh Recovery Associates sent a letter detailing a debt they say I owe. 
On XX/XX/2016 I sent a response in which I denied the debt, asked for verification and specified DO NOT CALL. 
On XX/XX/2016 they sent a packet of paperwork regarding a XXXX credit card account in an attempt to validate the debt per my request. 
On XX/XX/2016 at XXXX Stoneleigh representative called my phone and denied receiving a response to their original contact wherein I denied the debt and told them in writing DO NOT CALL. 
The caller refused to allow my assertions and was very argumentative after I told him numerous times to contact me by mail only. The caller was becoming abusive and I felt no other option at that time other than to just hang up on the caller.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to dispute an account listed on my credit report. The account in question is XXXX from XXXX XXXX and it is currently reported as negatively impacting my credit. 

I am listed as an Authorized User on this account, and I have no ownership or control over it. Given that this account is adversely affecting my credit score, I kindly request that it be removed from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Since this account does not belong to me and is damaging my credit, I am requesting its immediate removal.