davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (VA)

I have been strung for over two months to get my escrow and tax refund from Franklin American Mortgage Company. I sold my house on XXXX XXXX, 2015. Monies were received by XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015, there was a refund listed in my account balance. Over a week later, I inquired as to where the refund was. I was told to wait ten business days. On XXXX XXXX, I emailed inquiring about the money again. I was told that they would immediately issue another check. In this time, I did move - however I had my mail forwarded to me. On XXXX XXXX, my statement again shows the money being withdrawn. Due to my move, I waited until XXXX XXXX to call. I was told by the customer service rep that a check would be issued the following day and sent to me overnight. I see the funds going in on XXXX XXXX an d the money being withdrawn on XXXX XXXX - but still no check. The check should have been here by Wednesday, XXXX XXXX. I called again today XXXX XXXX XXXX XXXX to check on the status. I was not happy ( It 's been over two and a half months since I paid off my loan! ) but I was professional. The CSR told me the check was not issued and was 'pending ' ... she could not give me a true time when the check would be mailed. I then spoke to the supervisor XXXX. He kept apologizing saying he understood but really would not listen and did not provide any answers except that the check may be sent on Friday ... or Saturday or maybe Monday - no SOLID answers. He did tell me quite firmly that I was being sarcastic ... I said how would you be if a company told you that they issued a refund check TWICE but it was not received although you have received other correspondence from then during this period ... I am beginning ti think that I am in the middle of something illegal. Please help.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX . According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/XXXX  This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2016-01-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Bank is blocking me from my online account. The Wells Fargo XXXX website has many complaints of this type. I have tried to log onto my account on several different devices and ISP 's and I 'm still blocked. I have spoke to their Tech department and I am getting the run-around.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have paid off my XXXX XXXX 's consumer loan accounts as of XXXX/XXXX/2015. It 's been over 5 months and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion is reporting 3 opened fraudulent collections, XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$15000.00}, XXXX XXXX opened on XX/XX/XXXX in the amount of {$760.00}, XXXX opened on XX/XX/XXXX for the amount of {$520.00}, XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$2900.00}. 
XXXX fraudulent hard inquiries reporting on my credit reports 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 These account are being reported by XXXX, Transunion, XXXX.
Consumer complaint received 2016-03-31
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Patenaude & Felix A Professional Corporation (TX)

On XXXX XXXX XXXX I found out that the above company issued writ of execution on behave of my name for bank garnishment. This writ was issued on XXXX XXXX, XXXX in XXXX Supreme Court in XXXX XXXX XXXX. I was never served a copy of this writ or any other docket entries as of the case was initially filed with the court. I live out of XXXX state for 8 years. I left on XXXX XXXX, XXXX and moved in XXXX. After 3,5 years I moved to XXXX, currently I live in XXXX for 3 years. I was not aware of judgement entered against me. I was never contacted by the collection agency above. On XXXX XXXX, XXXX I contacted the agency to find out when was the docket filed the person I talked to refused to provide me with any information about the court case. He advised me that I can find the case record online without giving any further information. After I insisted at least to be provided with the county courthouse, the person let me know the name of the above court. Moreover, I contacted the legal department of XXXX XXXX XXXX ( the writ was issue to withdraw all my bank funds in that Bank ), they provided me with the docket number so I can research the issue. Currently, I will be filing motion to vacate judgement due to inappropriate service of defendant ( which never happened in any state I resided so far or the state I live currently ). Thank you in advance for taking the time to investigate that issue.
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

asset acceptance llc had a police officer come to my house to take my vehicle or pay $ XXXX.for a dept that was from 2001, they said it was for a XXXX, i then told the officer i had the money and to contact asset acceptance to make sure this was all i owed, asset acceptance said there were XXXX case numbers but if i paid the full amount $ XXXX.that would take care of both case numbers.two weeks later i recieved satisfied judgements for both case numbers just like they said.well a couple of months later i recieved a notice that they made a error and that XXXX satisfied judgement was no good.they never answer my questions about what dept is owed on each case number, ive had an attorney write a letter asking for varifacation of dept with no responce.please help ... ..they are still taking my state income tax.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

My husband and I applied for a modification with Wells Fargo. We began making trial payments in XXXX XXXX. Each month, I would overnight a check from my personal checking account ( signature required at delivery ), to the lawyer representing the bank. The amount was deducted within a few days after the check was received by the bank 's lawyer. We were in the trial modification for 6 months when we found out that the modification was approved. My lawyer, my husband, and myself filled out the appropriate forms and attached the binding check. The check that was sent was to be applied to the XXXX XXXX, XXXX payment. I sent all papers and the check via XXXX the same day. The XXXX XXXX, XXXX payment was not deposited or credited to mortgage loan. I sent XXXX XXXX, XXXX payment the following month, and it was credited to the mortgage loan. Every month, the payment was credited to the loan, EXCEPT XXXX XXXX 's payment. I verified this by monitoring which personal checks were being debited from my personal checking account. My lawyer contacted the bank 's lawyer multiple times to question the missing check, but they did not give us an answer. Every month I would receive a notice form Wells Fargo saying that I was delinquent ONE payment. Finally, when the trial payments were finished and the modification was final, I pushed to have the bank lawyer find out where that XXXX XXXX payment was. I was concerned that the check was lost and this would affect my credit, and interest on the missing payment. The activity report that I am attaching to this complaint clearly shows a consistent pattern that each month the payment was deposited to the mortgage account on the XXXX, except for XXXX XXXX. But in XXXX XXXX, 6 months after the check was sent to the bank lawyer, a second payment is credited to the mortgage account in the amount of the XXXX/XXXX/XXXX payment. I verified that it was the missing check. When this was brought to their attention, they agreed to take off the late fees for the months that the mortgage account was behind, even though I made EVERY payment that was asked of me through the entire process. But there are still fees that are assessed to my loan/escrow account and my credit was affected for those 6 months of which I paid on time. If needed, I can supply each month 's check ( copy ), USPS receipt for each check that was sent ( that required a signature upon delivery ), proof of date that each check was deposited, and proof of when each check was deducted from my personal checking account. The XXXX/XXXX/XXXX check was not deposited until 6 months after it was sent.
Consumer complaint received 2015-05-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo reportedly report payments wrong on my credit report even though they have been written about these errors more than XXXX. On both XX/XX/XXXX and XX/XX/XXXX one can clearly see on the statements form Wells Fargo Bank. In XX/XX/XXXX they processed the payment for that month on the XXXX of XXXX. In the past month tried to get ahead by paying {$500.00} before the new payment was due and instead bank used it for so called. " late Payments and not towards principal and interest from for the loan Because of their continued malfeasance, recklessness, and stubbornness to investigate and report accurately has cost my family significant amount of money. We not only have had our credit reported wrong and has prevented us from refinancing as well as current lenders are charging more interest due to the reporting charging more because of the reporting. We are also prevented from lowering our interest rates with any of our other creditors by allowing us to participate in offers with a little higher reports.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NV)

I wish to avoid foreclosure on my home so my attorney submitted an offer for short sale to my servicer PNC on XXXX/XXXX/2016. At the time there was a sale date set for XXXX/XXXX/2016. The sale date was then extended to XXXX/XXXX/2016. Upon following up with PNC in XXXX 2016, PNC stated they had closed the request for short sale because it was received less than 30 days prior to a sale date. My attorney then advised them the sale date was extended to XXXX/XXXX/2016 and therefore it was actually received 39 days prior to the new sale date. PNC then stated that they will not accept the request until after the sale date had been extended. Which makes no sense!!! Common sense tells us that sale dates are only extended for 30 day periods at a time. So how is someone supposed to wait to submit a request until after the sale date is extended, but still get in the request more than 30 days prior to a sale date??? 
This makes no sense and it appears to be a rule PNC uses simply to evade reviewing someone for assistance. There is no reason why we should have to refax in the same paperwork and offer they already have on file from XXXX/XXXX/2016. They received the request 39 days prior to a sale date and simply making up a rule that is impossible to meet, is not a valid reason to evade review of a request from someone to avoid foreclosure.
Consumer complaint received 2015-11-04
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (GA)

on XXXX/XXXX/15 i went to the regions bank XXXX, ga XXXX to cash a {$100.00} check drawn on their bank. they insisted on charging me a 2 % fee ... if this check was drawn on another banking institution, i can see them charging a fee. i just think it 's plain wrong to have to pay a fee to the bank the check is drawn on.
Consumer complaint received 2015-05-26
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Onity Group Inc. (NC)

XX/XX/2015 received a call at XXXXXXXXXX/XX/2015 received a call at XXXX, XXXX,XXXX,XXXXXXXXXX/XX/2015 received a call at XXXX XXXX, and XXXXXXXXAll calls were received from Ocwen financial about my mortgage payment . My payment is due on the XXXX of every month, however it is not considered late until the XXXX of the next month. This is harassment.
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I had a credit card with Orchard Bank and Capital One acquired them, I was never notified of this information I found out by calling. At no time did I receive a new card and agreement from Capital One, in most instances you have the option of opting out and closing your account, I was never given this option. I had a service on my card as well from Orchard Bank because I have a serious illness that causes me to have high medical expenses. I have contacted Capital One several times to get some answers and on a few occasions I received a call back from XXXX to whom left me a contact number, pin and extension and the contact number is always busy or just continuously rings. i have asked for a new contact agreement regarding terms and conditions and a card due in fact I do n't have a new credit card from Capital One and the card I have is from Orchard Bank has expired quite a while ago, therefore any new fees or interest rates that have changed, I never agreed upon and have no knowledge of, therefore I do not owe this debt. I am aware Capital One has unsavory business tactics to include security breaches and sub-par treatment of customers not being up front about the lack of security.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

I filed for divorced two year ago and my estranged husband knows my information created an Equifax without my knowledge or constant. Equifax never asked me or let me know anything. I just found out yesterday when I wanted to check my credit on Equifax and tried to make an account. It said an account was already made and it was his relative 's email address that was registered. Equifax would n't disclose the credit card number or name on the person who ordered. I am upset that anyone can pretend to be me and order my credit report without me ever finding out. I called all the credit agencies and put it on lock and fraud alert. I went to the police station and made a report.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Movement Mortgage LLC (TN)

I filed a complaint some time back when my loan was sold back to Movement Mortgage. When it was transferred back I never received a payment book or a monthly statement. After contacting them they sent me an email with only my payment amount and due date. They also stated that my loan was in the process of being sold and they needed a month or so to get it transferred. At this time I closed the complaint thinking it would be transferred. 5 months went by and still my loan was not transferred. I contacted them once again and again they said it was in the process. Finally, We just refinanced to get out from under them. This company has cost us a lot of money. Now here we are at tax time and I have not received my XXXX. I am not surprised. Still to this day I have never received anything with any details.
Consumer complaint received 2024-10-02
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. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2016-02-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I pulled my annual credit report and found a car loan from Santander Consumer USA, which I have never obtained. This account has created a negative impact on my report and reflects payments that were late. This information is extremely injurious to the character of my creditworthiness. I 've disputed this with the Credit Reporting Agency ( XXXX ). However, I feel that I needed to file a complaint, as this sort of business practice is fraudulent to say the least. The placing of a frivolous account, name variation and an associated social security number on one 's credit report, MY CREDIT REPORT, is a direct violation of the " Furnishers Rule '', as well as FDCPA violations and must be address expeditiously.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OK)

I continue to be harassed by XXXX XXXX. They are still attempting to collect a debt ( shown as open collection on my report ) despite numerous disputes. At last they sold the account to XXXX, XXXX XXXX XXXX XXXX when they/I requested information to prove the collections was legitimate the recalled the account from XXXX, XXXX XXXX. instead of providing proof. The account was closed by XXXX XXXX XXXX, 2006 after I paid a court mandated judgment. Somehow XXXX had reopened the account and I paid on the so called debt further due to the harassment. I have contacted XXXX both in letter and by phone, notified all credit agencies and the " collection '' still shows active on my report. Please let me know how this can be removed once and for all ... .I do not owe this debt!?