davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I have filed two letters with XXXX to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with XXXX was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you XXXX XXXX
Consumer complaint received 2017-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

On  XXXX   XXXX ,    2004  I signed a Multistate Fixed Rate Note Single Family  XXXX   XXXX   XXXX  whereby in paragraph  XXXX  ( Borrowers Right to Prepay ) of the form it provides : When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. '' This renders the note non-negotiable. I have told the Note Holder multiple times that I have made prepayments to the loan and that it is not a negotiable instrument pursuant to sect ion 3-104 ( a ) ( 3 ) of the U.C.C., a   promissory note can not be an instrument if it contains such an undertaking : the rules of negotiability apply only to promise to pay money, not to other, non-monetary undertakings. Sending a notice certainly is an act in addition to the payment of money, and the notes language seems to constitute an undertaking to perform that act. '' My  XXXX  Loan number is :  XXXX  and I have demanded a full Accounting of my original loan number :  XXXX  allegedly now serviced by  Caliber Home L oans with loan number :  XXXX . Therefore, based on the above, this is a notice to the Note Holder of all the above, and ask the Consumer Financial Protection Bureau ( CFPB ) to intervene and audit my loan.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I have filed two letters with Experian to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with Experian was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you XXXX XXXX
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

On XXXX XXXX XXXX, I sent a certified letter to Americas Servicing Company ( ASC ) owned by Wells Fargo Bank N/A. I requested the following information, is Wells Fargo the current investor of our note which is located within XXXX XXXX XXXX XXXX. I further requested to know what Wells Fargo role is with XXXX XXXX XXXX XXXX and does Wells Fargo know where our original note and our original deed of trust are located for the above mentioned property. On XXXX XXXX XXXX, XXXX sent us a letter stating, Acklodgement receipt of inquiry. Then, on XXXX XXXX XXXX, ASC sent us another letter stating, we were the servicer of your account. Wells Fargo is the investor of the loan and XXXX XXXX is the trustee. ASC included within the letter a copy of the Adjustable rate note dated XXXX XXXX XXXX, loan # XXXX. A couple days later, I received a call from ASC regarding this issue. I said that we refinanced this loan on XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. I sent ASC the documents to prove that there loan documents are Null and Void. I requested that ASC reflect that this account was transferred to XXXX XXXX XXXX in XXXX and Wells Fargo is not the current investor. On XXXX XXXX XXXX, ASC sent us another letter stating, our records indicate that the account number referenced loan is no longer an active account. ASC further stated, since we are not currently servicing a loan associated with your property, we are unable to provide investor, trustee or servicing information. Now, we already know who our servicer is along with our trustee. I requested to know from ASC which is owned by Wells Fargo Bank if they are the current investor. Wells Fargo may have purchased this Note/Deed of Trust recently! If Wells Fargo is the current investor, we request to have a certified copy of the original note, a certified copy of the original Deed of Trust and a certified copy of all assignments going all the way back to XXXX XXXX XXXX of when this note was sold and by whom. ASC stated that Wells Fargo is the investor and XXXX XXXX was the trustee but tried to use the old mortgage documents from XXXX reflecting ownership of our note! These documents are Null and Void since there was a new lender in XXXX, XXXX XXXX XXXX! ASC still has not answer my inquiry if Wells Fargo is our current investor of our Note/Deed of Trust. Security Exchange Commission does in fact have Wells Fargo Bank N/A listed with XXXX XXXX XXXX XXXX. Wells Fargo Bank also has assets within this securitization trust! Fraud and robo-signing has occurred in the past including within our note and possibly in XXXX loan trust XXXX. Request an investigation into this matter.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX At XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$91.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Consumer complaint received 2016-07-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

We asked Account Resolution Services to validate a debt by the FDCPA law. They fail to do so by not providing that they are bonded by the State of Texas to collect debt in the State of Texas. I am going to provide the letter they sent in return to our FDCPA Validation letter that was sent to them. The letter that Account Resolution Services provided will be attach to this complaint and you ant see proof that they have the right to collect debt in the State of Texas.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Last year, I found out that XXXX was reporting a collection on my credit report for an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I called them and their fraud department and they advised me that they did not show any accounts under my name that were in collections or delinquent as I currently have XXXX XXXX and residential services. I disputed this with XXXX XXXX and it is still showing on my credit report and does not provide any information as to an account, amount owed, etc. It simply states paid and closed via consumer 's request. This is all inaccurate. I have been living at my current address since XX/XX/XXXX and have had no issues with XXXX besides this. XXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX MD XXXX
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted the Transunion credit bureau and informed them I have been a victim of identity theft. I faxed over and sent a copy of the identity theft report and affidavit required to remove/block the inaccurate information on my credit file. As of XX/XX/XXXX there is 1 collection account still appearing on my report that resulted from identity theft. I have asked Transunion to remove/delete/block this inaccurate reporting, but it is still there. I would like it to be removed immediately.
The inaccurate collection account is : XXXX XXXX XXXX in the amount of {$150.00} and the original creditor is XXXX.
I have never owed/held an account with XXXX and I want this derogatory, inaccurate, wrong information removed from my report immediately.
There are also two inquiries that have been disputed which are still appearing. They appear as a result of identity theft.
1 ) XXXX XXXXt obtained a copy of my file onXX/XX/XXXX 2 ) XXXX XXXX obtained a copy of my report on XX/XX/XXXX These two inquiries were not authorized by me. It is my understanding if I did not authorize a company to pull my credit report then they are not allowed to report to the credit bureaus. Where is the protection of the consumer? I have asked the companies to delete the information and Transunion. It is the responsibility of the Transunion to update/remove the inquiries.
Consumer complaint received 2017-07-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: West Coast Servicing, Inc. (UT)

I Had a home equity loan with a bank that something happened to 2008 call XXXX XXXX I stopped getting payment notices, for a couple years then I received mailings from entity call XXXX XXXX and I talk to a male from this entity asking that he show ownership of the said loan and I never received any documentation, then I got a notice from XXXX XXXX saying that rights where transferred to " West Coast servicing inc. " they are saying I owe late charges totaling {$3100.00} I never had any loan information or numbers etc I have only been threatened by this entity. this has never been on the up and up they never gave me payment slips or nothing. now they have found away to get a trustee to file a notice of default. I never had any information on this loan. I do n't even know if they have a legal right or chain of custody or ownership of this loan. I filed a complaint against them 4 years ago and was told they were n't in your network and you where turning it over to the federal trade commission for prosecution. how is it fair to turn up after so many years and tell me I owe late fees? I always intended to pay my debts if owed but this is not right how they have dealt with this problem. I have only wanted to be treated fairly but this has been a night mare!
Consumer complaint received 2016-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (AL)

Pinnacle Credit Services continues to verify a debt with all three credit bureaus yet refuses to respond to my requests directly with them to verify the debt. They continue to make changes with the credit bureaus like it is some sort of game. They have removed the account and then put it right back on my report. They have changed the account type, they have changed it from closed to open, seemingly anything they can do to harm me. The alleged debt is on open account type with a telecommunications company and the statue of limitations in Alabama expired over 2 years ago as the original account was from 2010. I have documentation proving they received my letter yet they continue to behave in a very unprofessional manner.
Consumer complaint received 2016-04-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I 'm paying on an auto loan that 's XXXX and the car is worth about XXXX and I been paying for about 2 years and the loan amount have n't dropped. Seem like it 's getting higher. The company employees is very rude, yes I 'm talking about Santander.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens bank continues to charge me ridiculous funds when they hide transactions to purposely make your account go in the negative. On XXXX XXXX I received a XXXX nsf I hve screenshots that the transaction that came through left my account with XXXX cents. When speaking to XXXX from Executive office who could care less advised me I should not be using the app or online to confirm my balances This makes no sense its the 20th century! She tells me that I should be writing down my info whats the purpose of having these tools if they are not accurate. Citizens is charging me XXXX since they say I had a XXXX hold that was NOT reflected in my balance I am escalating this to the highest level as POSSIBLE and do not EVER want to be contacted by XXXX again I am currently looking for a new bank after reading so many reviews Citizens continues to do this to hard working consumers. I do not have funds to pay these fees! Transactions on hold disappear I monitor my account VERY closely and XXXX advises me track by writing things down because she does that 's a terrible reply to hear from someone supposedly in the Executive office this company could care less about there consumers and are out to get fees anyway they can!
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I filed a dispute with XXXX and Experian on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from Experian at all and I have disputed more items beginning in XXXX  of this year. XXXX have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can you.
Consumer complaint received 2017-07-12
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ability Recovery Services, LLC (MS)

I have contacted Ability Recovery Services several times about reporting incorrect information to my XXXX, XXXX, and XXXX credit report. According to The State of Mississippi this company is not licensed to do business here in this state. This company has been fradualently reporting false information to my credit bureau files and refuse to correct and do harm to me. My name is XXXX XXXX. This account is listed as XXXX XXXX.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent ( 6 ) disputes to Transunion requesting the Method of Validation/Verification used to validate an account on my credit report.. The account in question is XXXX # XXXX ( dba XXXX ). Disputes were dated XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the only response I keep getting is a new credit report that states " verified, no change ''. I have asked them repeatedly to show me how ALL my requests come back verified, who have they spoke with-if they spoke with anyone give me their info, the means of communication because the XXXX system is not always accurate. I have ask them under FCRA Section 611 ( a ) ( 7 ) to show me their method as in locating the necessary original physical documents of how the info was " verified and/or validated '' to them as per my other five requests.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (PA)

I discovered some unauthorized inquiries on my credit report this morning, and I have no idea why theyre there. When I checked my report as I usually do, these discrepancies suddenly appeared. I even refreshed my browser to ensure it wasn't a technical glitch, but the inquiries remained. Im extremely frustrated with this, and I need my documents reviewed properly to prevent this from happening again.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to dispute the following information in my file. I recently received a copy of mycredit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have thes e 15 in quires removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (UT)

I have requested LexisNexis in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days LexisNexis responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, LexisNexis has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that LexisNexis uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more LexisNexis was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

I was expecting 2 reimbursement checks to arrive from my employer, I contacted my employer on X/XX/17 because I had not received the checks in the mail. My employer advised me that the checks had been deposited in someones account, and my employer sent me an image of the fronts and backs of the checks, which showed a forgery of my name and the statement to deposit the funds to the account of XXXX XXXX and a signature indicating the name XXXX XXXX. I drove to XXXX XXXX XXXX to inquired since the checks were issued on a XXXX XXXX XXXX account. While at XXXX XXXX XXXX we discovered the checks indicated they were cashed at a Wells Fargo. I went to Wells Fargo and they told me they would not file a claim for the theft and would not be looking into the issue, they would not take any information on the issue eventhough I was offering them the images of both sides showing them the account number the checks were deposited to. So as the victim of theft and forgery I filed a police report and have provided the check images to the police department as Wells Fargo clearly will do nothing. XXXX  XXXX XXXX branch, the XXXX XXXX XXXX Fraud Department, and the police department all indicated Wells Fargo is difficult to work with and that they do not respond in a timely fashion.