davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have XXXX loans that I have partners. The partners were collecting the rents and making the mortgage payments with the rents. In XXXX of 2015 the partners stopped making the payments unknown to me and the loans are in default. I was never notified by Wells Fargo of the status of the loans. I only found out after pulling my credit report. I was contacted By an XXXX XXXX in XX/XX/XXXX telling me that Wells Fargo needed me to fill out some paperwork to re-fi the loan and get the payments lower that our partners had request this. He never told me that the loan payments were not being paid or ask for them to be paid. In XXXX 2015 I finally received the paperwork and as I began to read it I began to question what this paperwork was about because it talked about the loan in default. I immediately called and spoke with a gentleman whom gave me that status of the loan. I then contacted Wells Fargo office of the president and offered to pay off the loans if they would restore my credit since I was never contacted or notified by them that the payments were not being made. I followed all the necessary steps and I just received notice from the office of the president that they would not be restoring my credit and they they had no obligation to notify me that my loan was not current. I ca n't believe this to be true. they had my information and never sent me one thing. They only sent it to XXXX my partner. I just ca n't believe that the bank has no obligation to notify all parties listed on the loan if there is a payment issue. Is this the case?
Consumer complaint received 2020-08-27
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: Nelnet, Inc. (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2020-08-27
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. (CO)

My girlfriend and I both have a mortgage loan through XXXX XXXX. She filed bankruptcy last year and was discharged in XXXX of XXXX. I was not part of the bankruptcy at all and had no involvement. After the bankruptcy our mortgage company has stopped reporting for her on the mortgage payments which I understand ; however, they have also not reported positively on my credit which as affected me negatively ( I can not get approved for any other loans because my mortgage isnt reporting my on-time monthly payments ). All of the research I have done states that mortgage companies have to report for non-filing borrowers. 

Thanks.
Consumer complaint received 2020-05-11
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. (CA)

I received my free credit report on XX/XX/XXXX and noticed that Equifax is reporting in error in public records chapter XXXX bankruptcy. I never filed chapter XXXX, I filed Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. I submitted a dispute to Equifax 3 times on XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX and asked them to remove the incorrect information. In response not only did Equifax not remove fictitious Chapter XXXX, they added verified date XXXX XXXX. So not only they did not remove the wrong information, they made it look as more recent bankruptcy. Equifax created a financial hardship for me and my family. I am self employed and my business depends on my credit. in the last 30 days 2 credit card companies cancelled my credit cards accounts and 1 reduced my available credit line. I tried calling Equifax multiple times, every time customer service representative told me that they do not see Chapter XXXX on my report and when I asked to speak to a supervisor, was placed on hold for a long time and then call was disconnected. I would appreciate if you can help to hold Equifax accountable for reporting incorrect information.
Consumer complaint received 2020-08-29
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: Lending Club Corp (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit  reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

Auto insurers have been using LexisNexis to review public information regarding my accident history. This information, via the CLUE report, is used to determine the risk to insure and subsequently calculate a monthly premium. LexisNexis incorrectly shows that I have two " at-fault ' accidents on my record when I only have one. This has been verified with XXXX auto and I was told by both companies I have to take it up with the other, ie. LexisNexis instructing I contact XXXX and vice-versa. When I called LexisNexis in XXXX I was told they can do nothing about my record. As a credit history and risk reporting agency, LexisNexis has failed to investigate this inaccurate information and I have been paying additional premiums that I shouldn't have been paying. XXXX deemed this accident " no-fault '' but somehow this XXXX accident is listed as " at-fault '' with LexisNexis. This has been an ongoing issue that I realize I have to take additional action on in order for this to be resolved.
Consumer complaint received 2020-08-29
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: Lending Club Corp (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WESTERN UNION COMPANY, THE (WA)

Western Union took { $540.00} out of my bank account via debit card hack by a scammer/hacker under the name of "  XXXX   XXXX  '' ( that 's not suspicious!! ) even though this name in no way is similar to my own name. And then upon being notified that it was a fraudulent charge and was still pending on my bank account, they refused to cancel it or reverse it.     {$540.00} on  XXXX / XXXX / 17
Consumer complaint received 2016-06-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc. (TX)

I was contacted by a debt collection agency, Global Solutions about a debt owed by my deceased aunt XXXX XXXX. At first, they did n't want to tell me anything, and stated I had to give them a copy of the POA/guardianship because of HIPAA laws. Then, they call me the next day, and I say I 'm XXXX XXXX because they would n't tell me what she owed. They told me she owed XXXX XXXX Hospital-XXXX XXXX {$250.00} from XXXX. I have already paid that bill in XXXX XXXX from XXXX XXXX XXXX # XXXX. They keep calling my home and harassing me about a paid bill, and I 've already discussed the matter with XXXX XXXX Hospital. I want these people to stop calling my home and asking for XXXX XXXX.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (NC)

XX/XX/2017 my husband passed away. After he passed away there were multiple break-ins into my home. During one of the break-ins I was assaulted. XXXX security was running a special {$42.00} a month for one year and I get a free key pad. The representative came to XXXX XXXX XXXX XXXX XXXX XXXX to install the alarm system but he didnt have the contract with him. I was informed that I would receive one via mail. I signed an e-pad stating that I received the installation. The alarm system didnt deter the intruders. I moved out of my home with my daughter due to safety concerns. I continued to pay the monthly bill although I hadnt occupied the home. I sold my home 7months later after the home sat dormant without break-ins. I still continued to pay the XXXX bill although the home no longer belonged to me. I called ADT on multiple occasions to discuss the situation concerning lack of safety in the home, the fact that I was not occupying the home, I attempted to work out something fair to both parties. I was met with rude representatives. I was bounced around from rep. to rep. with no resolution offered. XXXX sent what I believed to be a one year contract to a debt collector as a {$1500.00} debt. I called and spoke with a supervisor named XXXX. He refused to explain how the debt was calculated. He was very rude towards me and told me that he didnt have to speak to me. This excessive debt was placed on my credit report creating financial hardship and false depiction of me as a consumer. How can I resolve a situation in which the debtor is refusing to provide info about the debt and refusing to be fair concerning the nature of the debt? Could you please mediate this situation for resolution?
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION (IL)

I opened a lifegreen checking account on  XXXX . I called to inquire about the details of account promotion and was told that i needed to have  10  transactions take place in the first 90 days of account opening and i would get {$400.00}. I did this ( 9 debit transactions and  1  direct deposit ), but now am told i do n't qualify because it had to be 10 debit transactions - not  10 t ransactions total.     I am disappointed because i took notes on exactly what i had to do. I inquired with regions and was told they would do an investigation. When i inquired again about the outcome of the investigation i was told that they might or might not tell me about the results of the investigation. This does n't make any sense to me on why the ca n't tell me what they found when they went back to listen to phone records.
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (NY)

A billpay transaction on XXXX XXXX, XXXX was not received by the payee after 11 days and I asked Keybank on XXXX/XXXX/XXXX @ XXXX to stop payment on the transaction and reverse the charges replacing the funds in my account. During my call with the Rep I was never advised of the {$34.00} service charge nor did she request authorization to debit my checking account. She did not say there is a charge and do we have permission to debit your checkling account. I advised Keybank the same day on XXXX that to me this is a UDAAP issue but they ignored my complaint. To me thus is a pattern of failure to advise the customer and provide them the opportunity to agree or not to the fee or direct the bank to which account to debit the fee. Their failure to advise my checking account would be debited may have resulted in an overdraft of funds. I am one of the lucky ones who signed up for alerts on my account.
Consumer complaint received 2020-08-26
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. (NV)

names address and accounts wrong XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX Loansshow tooltip button XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments beginXX/XX/XXXX 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened
Consumer complaint received 2020-08-27
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: I.C. System, Inc. (MD)

XX/XX/XXXX - I contacted XXXX XXXX XXXX # XXXX spoke to XXXX XXXX he confirmed the Creditor XXXX even had WRONG SOCIAL, DOB only thing they have is my same name. This is not my account I do not have XXXX and have had the same phone service last 9 years! He assured he would take care of this matter and remove from my credit report. I never received confirmation and contacts bureaus. 
Today XX/XX/XXXX I call to check status speak to XXXX XXXX and he says he doesnt know anything he cant do anything but say my information doesnt match! Then remove! This is illegal and doesnt go by the law.
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Financial Credit Services, Inc. (NH)

This is not the first time I have been contacted by American Financial Credit Services about a supposed tax bill that I supposedly have with the XXXX County government. I lived on the property as a renter from XX/XX/XXXX-XX/XX/XXXX, and my sister, XXXX XXXX ( then XXXX  ), and her former husband, XXXX XXXX, were the sole owners of the house. I never had any financial stake in that property other than paying rent to my sister. The address is XXXX XXXX XXXX, XXXX XXXX, SC, XXXX. I did not respond to them the last time they contacted me and left me a voicemail with the same claim. I called the XXXX County tax collector 's office directly to find out why I had been referred to this debt collection agency and they said they had no idea what I was taking about, they had never referred me to a collection agency, and I was never listed on the deed or mortgage for the property. I ignored the last voicemail this company sent me, but this time, I need them to stop contacting me about a false tax debt. The caller 's name was XXXX with a reference # XXXX and he said to call him back at XXXX ext. XXXX. However, the call number on my caller ID was listed as XXXX. I submitted this complaint through the FTC on XX/XX/XXXX, FTC Report Number # XXXX. 

I recently received another voicemail from the same company on XX/XX/XXXX regarding the same supposed debt I do not owe. This time, the caller identified himself as the same man, XXXX, with the same contact information - different caller ID on my phone vs. the phone number he told me to return his voicemail.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion should not be reporting that I am an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-08-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

Vin # XXXX Account # XXXX XXXX XXXX I leased and turned the car in the same year. The date I turned the car in was XX/XX/12. I called and said the balance would stay on my credit report as long as the balance wasn't paid. The account is over 7 years old. Please remove it.
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION HAS RECEIVED 5 OR MORE DISPUTE LETTERS ASKING FOR TRANSUNION TO SHOW ME CONTACT INFO OR THE ORIGINAL CONTRACT, BUT THEY NEVER DO
Consumer complaint received 2020-08-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have tried numerous times to discuss the pre-payment penalty with the company. I am close to losing my job and have to sell my house. There is a huge pre-payment penalty that is up in 5 months and I wanted to see if we could negotiate this. Not only that, when an inquiry into the payoff amount was made, an absurd amount was given way over the pre-payment amount. When I tried to discuss this with the company, they charged me {$25.00} for having to look into it. They now refuse to call me back to discuss it.
Consumer complaint received 2017-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

Someone stole my ATM card and PIN number. Now, because the thief used my card in the vicinity of where I live and possibly at a merchant I 've visited in the past, they say I 'm responsible. I have no control over what a thief does with my stolen card. 
U.S. Bank did n't even research my claim. They just brushed it off and denied my claim!
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AL)

As of Tuesday, XXXX XXXX, 2017, EQUIFAX is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX.