davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-18
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: EQUIFAX, INC. (MD)

XXXX XXXX failed to address fraudulent activity submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry XXXX out of thin air ). 

The information reported to the credit bureaus is fraudulent as I have rescinded my signature from the original application due to fraudulent activity. 

The letter to XXXX was a signed affidavit. Attached is an unsigned copy as reference. 
XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result I no longer have an authorized account with XXXXXXXX XXXX. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.
Consumer complaint received 2017-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Whetstone Partners, LLC (SC)

A voicemail was left from XXXX XXXX, " private courier '' threatening to serve me at my job and/or home. He left the last four numbers of my social security number on my voicemail and stated that I needed to have my manager or HR representative at my job when he got there to serve me. I was at work at the time and stepped away from my desk to call back. I then spoke to XXXX XXXX who after asking her if she understood that it is a violation to leave private information on a voicemail especially when it is n't even confirmed to belong to me ( my voicemail has no detailed information on the recording ). She asked me if I wanted to talk about what the call was about or what was about to " happen to me ''? I reminded her that the call was being recorded ( I reminded her of this fact earlier in the conversation ). She then stated that she was going to end the phone call and hung up.
Consumer complaint received 2017-10-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson, Blumberg & Associates, LLC (IL)

XXXX from XXXX XXXX to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number. 
Summary judgment was not granted and there is a counter suit against XXXX XXXX for filing a fraudulent complaint. 

They are lying through their teeth.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2017 Experian charged my credit card {$27.00}. I never had any contact with Experian, never purchased anything, and most importantly I NEVER PROVIDED EXPERIAN WITH MY CREDIT CARD NUMBER. 

Experian illegally obtained my credit card number and illegally charged my credit card! 
I attempted to contact Experian several times and was on hold for over 1 hour and 45 minutes before being disconnected.
I was forced to contact the credit card company to have them cancel my card as it was compromised by Experian.
Consumer complaint received 2017-10-18
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. (VA)

I have XXXX hard inquiries on my credit report. Out of the XXXX there are XXXX that are accurate. I did not authorize anyone to check or approve my credit. I have contacted the companies and I was told multiple times to contact the credit bureau, identity thief or someone else. No one has fixed it. I need these XXXX hard inquiries gone as fast as possible. I am trying to purchase my first home and I need my credit score to  be in good standing or constantly increasing. Like I mentioned before there are XXXX inquiries XXXX XXXX, and XXXX XXXX that are accurate. But the remaining XXXX are fraudulent inquiries of some who tried to use my name to get credit cards or a co-signer or get a vehicle. 

The XXXX fraudulent inquires are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I have a XXXX  XXXX card, that is the only credit card I own, and I 've never tried to get a XXXX card. I currently have a vehicle that I 'm not trying to replace so I 'm not sure where this XXXX and XXXX XXXX came from. Fraud!!!! I need someone to take care of this problem and remove these fraudulent inquiries off of my credit report.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For the past two months I have requested that all 3 credit reporting agencies address and correct multiple errors on my credit report. However, once their investigation is complete they do n't fix nor remove anything but instead stare they have updated my account information with each debt collector I inquired about. Sixteen negative remarks are from the Department of Education and XXXX  ( both student loan lenders ). These two debt collectors have multiple listings of the same account number and loan. I found that one account is reported four separate times. The credit reporting agencies are maliciously and intentionally allowing the lenders to falsify my credit report. I know this to be true because each debt shows up repeatedly. Moreover, the creditors have multiple accounts listed as : each debt collectors name, account number, initial balance owed, listing date, and have N/A reported for current amount owed, monthly payment applied, etc. Also, the credit reporting agencies have inaccurate addresses listed, phone numbers, valid prior addresses have been deleted or removed and they also have two negative remarks that are medical debt. The medical collections are also counting against my credit report and score. Please advise
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax shows a unnamed account on my credit report for XXXX there is NO NAME no phone number no company provided with NO OWNERSHIP see photo attached ive tried to contact Equifax and was hung up twice and disconnected twice, ive disputed the info on their website with no success. 

this is fraud at its finest, not to mention the unprofessionalism on Equifax part.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (CO)

I have always paid my bill online every month with a bank and they always show that they receive my payment however, in 30 days sometimes they will send me notice that they never received the payment even when the website says they did. This has caused multiple late pays to show up on my report by no fault of my own.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been asking for help for years now and WFHM seems to fail to provide an honest review of my file. There is robo signers including notary robosigners, from the trustee to WFHM, there are over charges including late fees, home inspections, escrow fees that add up to XXXX dollars when I pay only XXXX for property taxes, there are over charges of interest payments hidden in the lump sum of the total interest payment due, the default amount included principal payments again increasing the default amount to almost XXXX when my original loan was XXXX. 

My home when I refinance it to my name was appraised at XXXX by XXXX XXXX and my home was owned by my family since the XXXX 's. My family is a hard working immigrant family that their dream of having a home made them work 6 days per week over 12 hours per day. it is unfair that today, I have to be part of the greed of a lender that has no end to their fraudulent activity. 

I have sent the lender copies of the wrongful calculations on the loan modifications and the investor 's guidelines as well as assurance agreement for the pick a payment loans. I have offer to pay the default amount in a repayment plan. I offered in XXXX when I recently had defaulted XXXX to partially cure a debt of XXXX and I ask the lender to add the rest to the principal, they refused to assist me back in XXXX and instead I was put on a non ending loan modification process. 

My house was sold XXXX XXXX, XXXX. The foreclosure laws for non-judicial were not followed, the XXXX XXXX XXXX was ignored and instead the WELLS FARGO HOME MORTGAGE AND THE TRUSTEE DECIDED TO SKIP THE INTERVIEW TO ASSESS MY FINANCES and decided to skip the recording of a new NOTICE OF DEFAULT. instead the trustee decided to use the NOD RECORDED ON XXXX XXXX, XXXX back in XXXX, wfhm decided to skip the interview that was under THE CALIFORNIA LAWS and recorded the NOD UNDER PENALTY OF Perjury. 
skipping steps to shorten the time to foreclose and denying a loan modification when I knew I qualify and can afford my payments is not right. 

THE STORIES FROM WELLS FARGO BANK HAVE NOT ENDED TO THIS DAY AND WE HAVE NOBODY TO GO TO FOR HELP. THIS PUTS MANY OF US IN DEFAULT WITHOUT ANY TYPE OF SAFEGUARD FROM WELLS FARGO AND THE TRUSTEE ARE NOT OBEYING THE LAW I NEED YOUR HELP TO GET MY HOUSE BACK.
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

XXXX prevents my credit usage information to be pulled into XXXX party apps like XXXX XXXX etc. 
I have a right to my charge information via external reporting tools. 
Please investigate and respond, Thanks, XXXX
Consumer complaint received 2017-10-17
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. (IL)

My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXXt and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper XXXX off.

It is within my rights under the FCRA to request the said documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I have been living at my residence for almost 30 years. Over the last XXXX or so years, many mortgage companies have been involved in my home loan as they sell it to other companies. A number of years ago, the present company XXXX, informed me that my I now owed almost {$500000.00}. I had thought it was around {$350000.00}. They never gave me a complete explanation for this increase. As I was struggling to pay the monthly mortgage, I contested it but they did not respond. 
The present value of my house is around {$560000.00}. 
I am 72 years of age, self employed and want to stay in my residence. 
I would appreciate your investigating this situation and informing me of the correct amount I presently owe on my home. 

Thank you very much for your help XXXX XXXX
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (NJ)

Received personal credit report produced by XXXX  with the XXXX logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The following phone numbers were never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX Debit card transaction {$81.00} {$1600.00} A. XXXX XXXX XXXX XXXX XXXX XXXX DOES NOT RESOLVE CREDIT OF {$81.00} I AM DUE FOR XXXX. I AM DUE A CREDIT OF XXXX CHARGED ON XXXX
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc. (CA)

I was informed of an unpaid XXXX XXXX collection reporting on my credit report on XX/XX/2017. I was surprised, as I never received any type of notification or demand for payment from either XXXX XXXX or Stellar Recovery. 

I promptly called XXXX, ascertained it was my debt, and paid the account right away. I argued that since I never received a dunning noticed allowing me to cure this debt before it was credit reported, I expected them to delete it from my record. XXXX asked me to call /Stellar Recovery. On XX/17 I called them, explained to them the situation, and they confirmed they had an OLD address, and still denied my request to remove this item from my credit report. 

Please be advised that I have consulted local and state consumer protection agencies with assistance regarding the credit reporting of the above referenced account.Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I  hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ID)

XXXX XXXX. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XXXX XXXX. 

We took out Chapter XXXX Bankruptcy on XXXX XXXX XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw XXXX XXXX checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

XXXX XXXX is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.
Consumer complaint received 2017-10-18
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: Experian Information Solutions Inc. (LA)

It has become apparant that the Data Breach in XXXX has caused considerable damage to millions of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from all 4 reporting agencies and new social security numbers issued
Consumer complaint received 2017-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It has become apparant that the Data Breach in XXXX has caused considerable damage to millions of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from all 4 reporting agencies and new social security numbers issued
Consumer complaint received 2017-10-18
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 (TX)

I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX XXXX XXXX reported negative marks Paid, was past due 30,60 days on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I want to begin by saying ... .I DO NOT have any negative information on my credit reports. I pay a monthly fee to monitor all 3 credit bureaus. I have always paid my payments on time. Because I have excellent credit, in 2016 I took advantage of credit card banks offering me credit and promotional interest free balances for a period of time. Generally 12, 15, 18 months. Of course I am required to pay minimum payments every month. As long as minimum payments are made, there will be no interest charge. 
My complaint is with Bank of America. I have had credit cards with them for over 20 years. NEVER late with a payment. In XXXX of 2016 I was standing in line at a grocery store with a friend paying for groceries with a Bank of America credit card. The clerk said the card was declined. I thought there has to be a mistake. It was embarrassing. I used a different card. The next day I called Bank of America. I was told that all 3 credit cards were closed. I would be receiving a letter. I did receive 3 letters the next day, 1 for each credit card account. The letters stated, as a result of a recent review, we 've closed your accounts. I explained to the Bank of America Representative that I had 5 automatic monthly payments on 1 of the cards that totaled approximately {$120.00} per month. Would I be allowed to give {$500.00} to them to keep the card active to the limit of the remaining cash balance. Allowing the {$120.00} charges per month. In other words, a collateralized card. I was denied.