davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-12
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. (MA)

I have contacted this company on multiple occasions and I still have no resolution. I have been writing this company since XX/XX/2017 with no resolution. XXXX is station that I have a debt that is not mind. I have challenged the accuracy of this debt with no validation. This company bears no signature to verify this debt. XXXX states " I owe them {$380.00} and that the account has been placed in collection ''.
Consumer complaint received 2017-10-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

In XXXX XXXX, my mortgage was sold to Carrington Mortgage Services , LLC from XXXXXXXX XXXX. At about the same time, I filed for Chapter XXXX bankruptcy, and managed to get the one payment caught up that I missed, and have bank statements reflecting as such. I continue to make my payments on time and think everything is ok, and then approximately two years later, Carrington files a proof of claim with the bankruptcy court stating I missed a payment ( which I have n't ), and also asked for approximately XXXX XXXX in " projected escrow shortage ''. Unfortunately, I did n't have the money or resources to pursue this matter in court further, so I ended up having to have my house payment rolled into the payment I was already making to the court to " clear up '' this matter. Fast forward to XXXX XXXX, where I lose my job, and manage to continue making payments, and in XXXX I converted the bankruptcy case to a chapter 7 simply because I did n't have a job, and I ca n't afford for them to dismiss the case and have all the other stuff come crashing back down on me. I 'm making payments this WHOLE time, without fail. In the same month ( XXXXl ), Carrington files a relief from stay because they say I 'm behind on my mortgage ( which I 'm not and I can prove it ). Well, the Chapter XXXX Case was XXXX in XXXX XXXX, and their relief from stay was denied because of this. I also have an email in my possession from their attorney stating that my mortgage is current through XXXX XXXX ( it 's current through XXXX XXXX as well ), and I am STILL showing a balance of {$2300.00}, and I have no idea what it 's for. Not only that, but I get an escrow review and my payment has gone up {$61.00} to {$820.00} for a perceived escrow shortage. I contacted XXXX and their rep advised me to call in and find out what 's going on. They told me it was advance payment fees of some sort. I 'm 99.9 % sure it relates to the bankruptcy case, which is now closed, and they ca n't collect on that. So, I thought I 'd start here first. I also have a QWR letter waiting in case I need to send that too.
Consumer complaint received 2017-10-12
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: Experian Information Solutions Inc. (NY)

XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me.
If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, Experian, and XXXX XXXX ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages. 

Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Consumer complaint received 2017-10-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NY)

I recently relocated to XXXX XXXX XXXX for work. I had to exhaust my savings to move and get a new apartment etc. As a result, I fell behind on my payments from XXXX - XXXX. In the month of XXXX I tried to login to the online payment system for Wells Fargo Dealer Services and it kept giving me an error message and would not allow me to login. 

On XX/XX/XXXX I called Wells Fargo Dealer services because I still could n't login and wanted to take care of the issue. I was notified that they had initiated repossession on XX/XX/XXXX. I offered to pay the entire amount of past due payments and late fees and resume the loan, they declined. The rep on the phone said I could turn in the vehicle and owe the remaining $ XXXX balance or I could offer a settlement amount and pay {$1500.00} - $ XXXX/mo until the settlement balance was paid and then I would retain ownership of the vehicle. 

I asked several times to make the entirety of owed payments and late fees and was denied. The rep said that turning the vehicle in or settlement were my only options. A settlement was reluctantly offered of {$8500.00} with concerns of the aggressive {$1500.00} - $ XXXX/mo pay schedule. I was told that the settlement would be sent to a manager and I would receive notification of approval or a counter amount. I did not receive contact back. 

I am not sure why I can not pay the amount of owed payments and late fees and resume my loan. If a settlement is my only option I would like that to be decided soon or receive confirmation from the lender.
Consumer complaint received 2017-10-12
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: Experian Information Solutions Inc. (FL)

this XXXX XXXX at XXXX is claiming i opened the account i have her inforamtion and im about to file suit against that lady in XXXX and XXXX i never opened this account i was in XXXX till XX/XX/XXXX and was in a XXXX XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX with a XXXX XXXX couldnt leave my work and was in XXXX 45 mins from this dealership she needs to investigate properly and remove this account shes XXXX XXXX and she called me a XXXX XXXX and a XXXX XXXX when i called her two weeks ago told me im not american i was born in this country and i served this country in XX/XX/XXXX
Consumer complaint received 2017-10-12
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: MARINER FINANCE, LLC (FL)

this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX   like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court
Consumer complaint received 2017-10-12
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. (TN)

THESE INQUIRIES WERE NOT MADE BY ME. I WAS ASKED TO PROVIDE PROOF. IT IS THE RESPONSIBILITY OF THE REPORTING COMPANY TO PROVIDE PROOF. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

I had a loan modification approved by XXXX around XXXX and before I could make my first payment, I was transferred to shellpoint, then I made a payment and they sent it back, that I had to reapply with them. so I reapplied and have been going through XXXX with this company and have sent a ton of papers there. they also never told my wife anything about foreclosure and told me I was safe that XXXX XXXX had stopped in time to finish all the paperwork. this was fraud and these people do not care and left a message for a supervisor to call and that did not happen either. I also inherited this property from my parents, that is XXXX reason I want to stay here, need help
Consumer complaint received 2024-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

This complaint is in reference to what Wells Fargo has done and what they have not done concerning my XXXX Mortgage loan. 
In XXXX I had acquired and HELOC second mortgage loan with XXXX XXXX XXXX XXXX XXXX in the amount of {$65000.00}. In XXXX I had refinanced my home with XXXX XXXXWells Fargo XXXX I had not heard anything from the second mortgage lender from XXXX until XXXX when I received a lawsuit in the mail. I received a lawsuit from XXXX XXXX, XXXX whom I did not know nor was familiar with. The lawsuit named me and several others including Wells Fargo with a request to quiet the title and, for all those listed except for me to renounce all claims or interest in the property listed at XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. Wells Fargo, who claims to be in first position agreed to renounce all claim or interest to the property and subsequently transferred my good standing loan to XXXX XXXX XXXX. 
A current title company agent has informed me that because Wells FargoXXXX XXXX did not submit a subordination letter, the second mortgage lender elevated to first position by default allowing them to foreclose on the home and claim full ownership without my current mortgage which I am still paying as a first mortgage being paid off. I have asked Wells Fargo to provide information as to why a first mortgage lender would agree to renounce all interest in a good standing loan and property to a second mortgage lender in order to be removed from a lawsuit to quiet the title. 
I am currently in negotiations with the second mortgage lender to remove my house from foreclosure status and I have also asked Wells Fargo to help remedy. 
Wells Fargo has claimed that submitting a subordination letter only has to do with XXXX XXXX. So XXXX XXXX disputes this and has reiterated that neither Wells Fargo nor XXXX XXXX XXXX appear on any current title searches.
Consumer complaint received 2017-10-12
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. (GA)

According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal act.
Consumer complaint received 2017-10-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote to the credit reporting agencies as well as speaking with an XXXX agent for at least 20 minutes telling him why I am disputing charges made by XXXXXX/XX/XXXXXXXX and XXXX XXXX. I have not received any decision after over a month and it has affected my credit score as well as ability to apply for loans and related services. I feel they have not responded in a timely manner nor given me reasons why the two negative items have not been removed from my credit report.
Consumer complaint received 2017-10-12
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. (OH)

I submitted a request to review inaccurate information on my Equifax credit report on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I received a letter from Equifax stating that the public record of bankruptcy on my credit file has been " verified ''. I have no other documentation, validation or proof of this claim and am demanding that this be removed from my credit file immediately. This claim has caused me great emotional and financial distress, and I was supposed to have this validation information provided to me within 15 days of the conclusion of their investigation per the FCRA.
Consumer complaint received 2016-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C. (MD)

I filed a dispute with the XXXX credit reporting agencies about Trident Asset Management reporting negative info on my report and I had no knowledge of this collection. File was deleted from XXXX but not from XXXX and XXXX. I contacted them uploading the results from my dispute with XXXX showing the account had been deleted. Trident Asset Management refuses to delete or have this negative information deleted from their ( XXXX and XXXX ) files as of XXXX XXXX, 2016. I filed a complaint via US Priority mail with tracking number, with the Office of Commissioner of Financial Regulation, XXXX, MD delivered XXXX XXXX, 2016 not hearing from them.
Consumer complaint received 2017-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have contacted Bank of America regarding a fraud account I saw on my credit report. They stated that there was a " balance transfer '' to an account in my credit report, therefore saying that I am responsible for it. That other account has been now removed from my credit report because that was also a fraud account opened under my name. 
I have been in contact with Bank of America for the past several months, it is not my account, I have never opened this account, I would like this fraud and innacaraute information to be removed from my report pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date openedXX/XX/XXXX Status Account charged off. {$12000.00} written off. {$12000.00} past due as ofXX/XX/XXXX. 
In dispute XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA On record untilXX/XX/XXXX Credit limit or original amount {$12000.00} High balance {$12000.00} Monthly payment {$0.00} Recent payment amount {$0.00} Date of statusXX/XX/XXXX First reportedXX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Contacted BoA about my checking account and saving account 's maintenance fee and the was able to had a few reversed on XX/XX/XXXX before I transfer out the remaining funds and then either call or go to the branch to close the account. 

On XX/XX/XXXX, the remaining funds are transferred to the other account that I intent to keep, but the accounts were charge maintenance the same day and the very next day for each of the accounts. 

Contacted BOA again on XX/XX/XXXX to reverse the fee and fully close my account, but I was inform the reverse must go through additional review for approval and I can't close my accounts. 

On XX/XX/XXXX, I received BOA 's decline letters via Email.
Consumer complaint received 2017-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have disputed several times a bunch of inaccurate data that is only listed on my Equifax credit file. No response and no corrections. Please help XXXX XXXX XXXX Please remove not nor ever been my name. 
XXXX XXXX XXXX XXXX XXXX Clearly this is a duplication listed with no verification and outdated also, please remove this listing XXXX XXXX XXXX XXXX XXXX There is no money owed to this company as you are reporting delete this from your files due to the inaccurate information FAIR COLLECTIONS & O XXXX This should not be reporting as a collection it was paid and this needs to be removed XXXX. XXXX XXXX - XXXX Account was paid with the original creditor, this is inaccurate data please remove as this is a violation XXXX XXXX XXXX Remove this false information, it was paid and should not be reporting as a collection XXXX XXXX No collection exist with this agency please deleted this inaccurate data listed
Consumer complaint received 2017-10-12
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: Experian Information Solutions Inc. (MN)

I have contacted XXXX XXXX XXXX regarding a fraud account I saw on my credit report. They stated that there was a " balance transfer '' to an account in my credit report, therefore saying that I am responsible for it. That other account has been now removed from my credit report because that was also a fraud account opened under my name. 
I have been in contact with XXXX XXXX XXXX for the past several months, it is not my account, I have never opened this account, I would like this fraud and innacaraute information to be removed from my report pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date opened XXXX Status Account charged off. {$12000.00} written off. {$12000.00} past due as of XXXX XXXX. 
In dispute XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA On record until XX/XX/XXXX Credit limit or original amount {$12000.00} High balance {$12000.00} Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

When I went on to the XXXX site to check how the recent hack impacted me, the site stated that my personal information might have been compromised. Now my credit score is at risk, and so is my personal identity.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (GA)

Chase bank has been applying my payments to the part of my balance that has a much lower APR, instead of paying-off the newer part of the balance that has a much higher APR ... I feel this is incredibly deceptive as well as unfair because it keeps that new, Higher APR purchase on the books essentially forever! This is on my Chase Slate card. I was under the impression that payments, by law, had to be applied to the higher APR portion? Furthermore, what is completely unfair is that Chase will not tell you your balance!! I called them 2x today, XX/XX/2018 to ask how I might keep track of the balances that have different APR 's, as I pay off my debt, and in the age of computers even they told me they would not offer that breakdown ... are you serious? It is clear to me that their process is intended to keep the customer either perpetually in debt or indebted as long as they possibly can. And they hamper your effort to better your debt situation. This is totally lame.
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FISERV INC. (PA)

Account was created by Representative XXXX XXXX ( Clover, XXXX XXXX XXXX XXXX ) ( XXXX ) Multiple accounts were created on my behalf resulting in multiple charges. Since account opening, I have closed all accounts. 

Charges ( unaware ) were debited from my business Bank Account. All information will be provided upon request. 

I, XXXX XXXX, never received a " POS '' system and therefore was never activated. 

I inquired, numerous times, about account closures, disputes, and a full refund of what was debited to my account. Since then, I keep receiving communication regarding an overdue balance.
Consumer complaint received 2017-10-12
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: LEXISNEXIS (GA)

XXXX and Lexis Nexis is illegally and intentionally reporting a bankruptcy XXXX on my credit report. On XXXX XXXX I was advised by a XXXX  representative that they validated and verified my account via Lexis Nexis on XXXX XXXX XXXX. I called XXXX XXXX on XXXX XXXX, XXXX to confirm how this was because I put a complete freeze on my consumer report in XX/XX/XXXXdue to fraudelent activities. I was told by a XXXX, ( XXXX ) that i indeed have a freeze and no one including XXXX has access to my report but THEY ( Lexis Nexis ) contacted XXXX on XXXX XXXX to verify and validate the dispute I had with them regarding the inaccurate reporting of the bankruptcy reporting on my consumer report with Lexis Nexis. I was and still in total disbelief that both companies are disregarding the FCRA law as it pertains to how a consumers information is to be validated and verified and reported which is only through the original furnisher which in this case would have been the Bankruptcy Court which they ca n't validate. This bankruptcy that XXXX and Lexis Nexis are illegally and inaccurately reporting on my report has not been validated within the 30 days and must be validated thru the original furnisher and was not. I plan to sue both Lexis Nexis and XXXX for their unethical business practices if not removed immediately as required by law. Please assist in giving them guidance and instruction on this matter. It 's blatant Lexis Nexis has broken the law and provided someone with my information with out authorization after my report was frozen and it 's blatant that XXXX did n't verify the dispute in accordance with the law because they ca n't but they continue to report rather than delete as required. They claim they both contacted each other to verify so how did it get verified if either party verified. I do n't have a bankrupty reporting on any other credit bureau but XXXX.