davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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: Velocity Portfolio Group (NC)

Account appears on customers credit profile twice. I have reached out to both CKS Prime Investments , LLC XXXX XXXX XXXX XXXX XXXX 
CKS PRIME INVESTMENTS , LLC Account Information Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$760.00} Original Creditor XXXX XXXX XXXXXXXX XXXX Past Due {$760.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$490.00} from XX/XX/XXXX to XX/XX/XXXX ; {$760.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$500.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XXXX XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge. If you want a copy of the XXXX, ask your buddy XXXX XXXX XXXX to provide it as they claim to have written it up and I never received it. I also do n't care what these accounts are reported as, they are hurting my credit and are fradulent. If XXXX XXXX XXXX and XXXX XXXX XXXX are not active collection accounts then why are they actively trying to get me to pay these accounts back, that seems like a collection account to me. 6 days until my lawyer files a lawsuit, I am not playing. I also want to point out for the record that your last response did not state any address as being reported as mine, are you trying to hide something?
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. 

XXXX XXXX Credit Card XX/XX/XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Closed 1 Missed Payment {$1000.00}
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Equifax has repeatedly ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Its been 60+ days and they can not properly verify these accounts according Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I 've disputed. Please resolve this immediately as its proving harmful to my credibility and deteriorating my peace of mind. Thank you
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TN)

XX/XX/XXXX was my second time reaching out to the XXXX major credit bureaus about this credit card that was fraudulently placed on my account. I've asked for proof of this debt and proof that it was me who opened this account and the only response I have received back is either the information is confirmed or that the creditor may not have my information to reach out to me. stalling I even furnished them with my police report number. XXXX
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (UT)

I used free credit report to obtain a credit report and I needed scores from all XXXX companies. In attempting to obtain those scores each company had confusing or hidden charges. I thought I was paying {$39.00} for the report with all XXXX scores. Instead I was charged {$1.00} by XXXX then {$7.00} by Equifax and an additional {$39.00} by XXXX all on the same day, XXXX XXXX, 2015. Then XXXX charged me {$21.00} 7 days later, XXXX XXXX, 2015 for a credit tracker they said I agreed to. 
My Husband also needed a credit report with scores and we were charged {$4.00} by XXXX and then an additional {$39.00} again all on the same day, XXXX XXXX XXXX called XXXX 4 days after the additional charge of {$21.00} and was told that I could cancel the credit tracker as of that day but they would not refund any of the charges. I asked them to check the accounts by way of the credit card number charged and they acknowledge the account for myself and my husband and told me they would cancel the credit tracker for both of us ( but no refund for the extra charges ). 
Then on XXXX XXXX, 2015 they charged us an additional {$19.00}! That brings the total paid to {$130.00} for a " Free '' credit report. I acknowledge that I had to pay for the scores but {$130.00}!? 
I work in the mortgage industry and I am concerned with what happens to clients if they go to " Free '' XXXX. I am familiar with the industry and its terms and I was taken by the XXXX. What is happening with the regular consumer? If I had pulled a credit report with scores through the company I use for my clients it would have cost a grand total of {$18.00}. 
I am required to clearly and openly disclose why is XXXX and Equifax exempt from the same requirement and allowed to charge any amount with impunity?
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, XXXX XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXX/loss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XX/XX/XXXX and with my XXXX settlement in XX/XX/XXXX I paid their collections. Now I was well enough to search my financial recordsXX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called XXXX I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.
Consumer complaint received 2022-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TN)

I filed an identity theft report wit Federal Trade Commission and sent the report to XXXX and they assured me the collections would be deleted. Not only is it not deleted but now it is on all three credit reports. I want to report XXXX for not doing what they were to do to correct this problem. 

Federal Trade Commission Idenity Report # XXXX
Consumer complaint received 2024-08-13
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$430.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : XXXX : {$310.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$440.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

My student loans were recently transferred to a new loan servicing platform, and the prior student loan accounts were not closed or shown as transferred after doing this. This is causing my loans to show up as double on my credit report as shown on both my Experian account and XXXX XXXX journey. Also, after a dispute with Experian about this issue I logged back in to find one of my loans showing a balance of {>= $1,000,000} which is very obviously incorrect and absurd. The correct amount of the loan is {$1000.00}. These issues need to be fixed. It is hurting my credit and debt/income amount which can cause my credit score to decrease drastically and take away my ability to receive future financing.
Consumer complaint received 2015-08-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (SD)

Lender withdrew XXXX payments from my account when they were only authorized to take 1. They had a computer glitch and mistakenly took XXXX extra payments. I was not notified by my lender about this issue. The only reason I found out is because I was issued a Non-Sufficient Funds notice from my bank due to the extra payments they took out. Once I found out the error, I called them immediately. It was at that point that they notified me of the glitch that caused the error. I feel this was completely negligent behavior to not even notify me. Now I have to prove that they were the cause of the NSF to get the fees repaid.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (CA)

Attempted to dispute. Told I could not dispute then transferred to another department that disputed. Within an hour they stated it was verified. Failed to investigate. Violation of FCRA violation. 

Allowed my report to be accessed without authorization. Experian stated they dont have to verify authorization from me to let someone access my credit report. Spoke with XXXX in special handling at Experian.
Consumer complaint received 2016-03-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

As part of my estate planning to make sure my wife and children are taken care of when I die I created a living trust with my wife in XXXX XXXX with my wife and I as the sole trustees. We have always titled all of our properties in the name of our trust since that time including our residence at which had a HELOC with Wells Fargo Bank. In XXXX we bought a new primary residence and unfortunately made the bad decision to finance it with Wells Fargo Bank , N.A . Besides the fact that the origination process was horrible and their fraudulent flood department that is part of Home Equity made us get unnecessary flood insurance ( subject of previously filed complaints ) I am now being harassed by Wells Fargo Bank , N.A . about holding my property in the name of a trust. First I got a letter stating that I needed to fill out forms, notarize them and include copies of my trust pages which I did. Now I received a second letter from XXXX XXXX, a VP ( that according to customer service does n't have a phone number I can use to speak with her so I 'm not sure if she is a robo signer ) stating that I have to have a modification agreement recorded against my account. When I called Customer Service to speak with them they said that my account would be restricted if I did n't complete the forms ( it is already restricted due to a short sale in XXXX ) and that if I do n't comply and keep my account in good standing they are going to take actions including possible foreclosure. 

I continue to have problems with this bank even though I have over XXXX accounts with them. CA state law allows for individuals to have properties held in the name of a trust and still have a loan on them yet WFB seems to think that they can usurp state law and create their own rules. Also it 's important to note that WFB does n't have a problem with the Conventional XXXX loan that they service since that is n't their money but when they have a portfolio loan they create complex billing situations ( see other complaints about how they steal money by misapplying payments ) and harass me about my estate planning.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

I requested a mortgage modification on my first mortgage with Wells Fargo XX/XX/XXXX. When I started the trial period payments XX/XX/XXXX I was at most 45 days late. I proceeded to make all of my trial period payments either early or on time each month for the duration of the trial payment period which lasted approximately 7 months until XX/XX/XXXX when the modification was finalized. However, even though all of my payments during the trial mortgage modification were either early or on time Wells Fargo Home Mortgage is reporting me 60 days late for several months during this timeframe most recently XX/XX/XXXX and XX/XX/XXXX. They continue to report this inaccurate information even though I have utilized the credit report dispute process as well as the internal Wells Fargo investigative process. I have provided them dozens of pages of statements and payment confirmation numbers for the months in question and each time they just come back and say they are reporting correctly. However, they never provide me any hard data that shows I was late 60 days on the months they are reporting it. There is just a vague explanation that the reporting is a byproduct of the modification process and that it 's correct. Even though their own statements would show payments were made on time or early for the months being reported 60 days late. I have spent hours collecting and analyzing data to make my case but it is almost as if Wells Fargo is using the inaccurate negative credit reporting as retribution for undertaking the modification to begin with.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently notified your organization about this issue and am now formally requesting the immediate blocking and removal of these accounts from my report. Their presence has caused me considerable emotional and financial strain, as they misrepresent my credit history and obligations. If this matter is not resolved satisfactorily, I am prepared to pursue legal action to defend my rights and seek a resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2015-08-25
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX XXXX, XXXX I purchased a XXXX XXXX from XXXX XXXX XXXX, XXXX. I traded in my XXXX ford truck. The dealership gave me {$8800.00} for my trade-in. I owed Navy Federal {$10000.00}. The dealership said not to worry about the negative equity of {$1200.00}. They said they had rolled it into the price of my jeep so I did not have to pay any additional money. When I saw the buyers order it said that there was no balance owed to Navy Federal. When I got my loan from Navy Federal I found that I still owed the negative equity. I paid the negative equity XXXX once to the dealership and once to Navy Federal.
Consumer complaint received 2015-05-19
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (SC)

Applied for home equity line. Completed app over phone. Provided eLending site to verify app and download documents. Instructed by loan office to email PII information to him ( Social Security verification forms ) containing SSN, names, addresses, etc. 
Attempted to contact bank to inform them of unsafe practices. Could not find someone to take action. Redirected to others with no luck. 
They have not implemented processes that safeguard my personal information. I know of others who had issues with identity theft with this bank. Something needs to be done. We canceled the application due to very unsecure practices. They are international.
Consumer complaint received 2016-03-09
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MS)

I applied for a home mortgage in 2008, with Wachovia Mortgage, who has since been bought out by Wells Fargo Mortgage. The interest rate is very high. I was never told that the loan was being processed as a home equity loan, and I saw no reason that it should have been, since this was the only loan on the home. I never told that it would be a home equity loan, nor did I ever receive any right of recission, as required by law. I am attaching all documentation I received from the loan processing and closing. I recently tried to refinance, and was told I could not do it. Reasons given was that the appraisal value of the home dropped, and the house did not qualify under the values required for home equity loan refinance. The name of the street where the property is located is also misspelled on the documents.
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (SC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have a mortgage loan with WF and I am writing to let you know that they have not reported my mortgage balance accurately. I was trying to refinance with XXXX XXXX and they indicated that my balance is {$280000.00} as of XXXX XXXX XXXX see attached email, XXXX # XXXX XXXX. I can not secure the rate and affordable payment due to this and all related setbacks that come with inaccurate reporting. 

As of today, XXXX XXXX, my statement shows a balance of {$240.00}, XXXX, & lt ; this is a {$33000.00} difference from the $ XXXX indicated by XXXX 's research of my credit. I was assured at the branch, XXXX XXXX XXXX, Ca XXXX ), through the help of a private banker, calling the line in customer service ) that it will post the payment accordingly and be reflected in the credit agencies that it was paid. I am very disappointed that the payment has not been reported accurately. 

[ History : I have reported WF since XX/XX/XXXX regarding the confusing and abusive way they have handled my escrow account. Briefly, I already paid the property taxes in the County XXXX XX/XX/XXXX, XX/XX/XXXX and they repeatedly billed me for it, which forced me to pay XXXX. Historically, the mortgage was not set up with an escrow account. The escrow account was established only recently. I am mentioning this because in XX/XX/XXXX I have settled the escrow account, {$9400.00} to clear everything and stop the grandfathering of charges. ( see attached statement and detail, XX/XX/XXXX, XXXX # XXXX, & # XXXX ) ]
Consumer complaint received 2015-07-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (TX)

I want to know why my bank does not immediately credit back to my debit card? If I pay a service with my debit card and then cancel it, it can take 4 to 5 days for that credit to show on my account? Who uses that money for those days? I am charged immediately so why not be credited the same way? The bank says it is the fault of whatever company I was dealing with, not the bank. Having been a XXXX myself, I know that transactions are settled on a daily basis with most companies so I do n't think this could be correct. Ca n't seem to get a straight answer out of Wells Fargo bank either.