davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX Balance Owed : {$610.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$8800.00}, XXXX XXXX XXXX Balance Owed : {$580.00}, XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX Balance Owed : {$1100.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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. (AZ)

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 2023-10-09
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. (CA)

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these items ASAP.
Consumer complaint received 2017-01-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Apelles, LLC (LA)

The company Apelles is harassing me by calling my phone number for a debt that is not mine. The company continues to call asking for a person named XXXX XXXX. I am not XXXX XXXX. the phone number they are calling is not nor has it ever been XXXX XXXX 's. my name is XXXX XXXX. I have no idea who XXXX XXXX is. I have had the same phone number for over 20 years. I have called the company Apelles and told them that they have the wrong the number. They state that they will put it on their records and stop calling, however they keep calling me.
Consumer complaint received 2016-05-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (FL)

I have been disputing with the Credit Bureaus the amount of a repossessed car I purchased with HONDA beginning in XX/XX/XXXX-XX/XX/XXXX. The purchase of the car was XXXX with a mandatory warranty, that i could not deny or remove from my loan. My payment was XXXX monthly. I was let go from my company in XX/XX/XXXX, and I kept up with my payments until I could not any more. I made last payment of XXXX on XX/XX/XXXX. My car was repossessed XX/XX/XXXX. The amount I had left on the loan was XXXX. I never received notice of sale nor did i receive an updated amount that i owe after the sale of the car. My credit report states that i owe XXXX. I need assistance please
Consumer complaint received 2015-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: IQOR US INC (IN)

This company is calling me at all different times of the day. Here are a few samples of times they have called. 
ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Sun. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX XXXX Sat. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Thu. XX/XX/2015And it goes on and one.
Consumer complaint received 2023-09-21
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2016-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

I have tried for months to have my interest rate reduced with XXXX I never stated that I was behind with payments I am requesting a reduced interest rate which is XXXX percent why can it nit be reduced to 5 % or lower I pay my mortgage on time requesting a reduction with this outrages rate how can companies get away with this I would like an answer to why it can be reduced
Consumer complaint received 2024-09-18
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. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I deposited a client 's ck ( I'm a XXXX ). Same thing I've done for XXXX yrs & NEVER had a problem. On XX/XX/XXXX my bank mgr told me the Fraud Dept was opening an investigation. I got the client 's XXXX of XXXX on a 3 way call ( twice ) but obviously did no good. I made numerous calls to the dept still w/ no explanation. Within a few weeks of the ck dep they closed my business acct. As I spoke w/ different people in the Fraud Dept I was told once a decision was made they won't override it. Sounds like an Autocracy to me. When they closed that acct because I owed the State of CA some taxes ( corporation is not good standing as a result ) & now I can not open another corporate bank acct anywhere ( obviously I was fine in my prior checking acct ). Then they turned to my personal checking acct. My acct got hacked in XXXX. The Fraud Dept gave me {$2500.00} to offset my loss but backed that out shortly afterwards thinking I had something to do with that hacking. Because this has been the worst yr of my career ( & relying on friends & family for survival ) I didn't have the {$2500.00} to repay the debt till last month. Now both accts have been closed ( business acct for 4.5 mos & personal acct for 3.5 mos & had to rely on prepaid debit cards. I have another 30-60 days according to the Bank Mgr . I have to pay over {$100.00} to cash my Social Security cks.
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

MY SERVICER, DITECH, FORCED PLACED INSURANCE 8 MONTHS AGO, AND STILL CONTINUES TO COLLECT THE PREMIUM FOR IT, EVEN AFTER I PROVIDED PROOF OF MY EXISTING POLICY IN XXXX ( WHICH THEY ACKNOWLEDGED RECEIPT OF ) AND THEY HAVE NOT APPLIED A CREDIT. I 'VE CALLED 5 OR 6 TIMES TO GET THIS RESOLVED AND HAVE HAD NO LUCK GETTING THE SITUATION RESOLVED.
Consumer complaint received 2015-06-03
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Debt Management Incorporated (AZ)

I was called several times by Debt Management Inc, they were claiming to be a debt collector and wanted me to verify my full social security over the phone. I chose not to do so as I 've had my identity stolen in the past. They claimed to have sent letters, which I never received. They also continued to call me in a harassing manner ( XXXX calls a day ), after I asked them to communicate through written correspondence. XXXX day, I received a voicemail, stating that they were going to file suit, had retained attorneys, and that I had XXXX hours to call them " or else. '' I notified the agent that I was recording the call, he said that it was unlikely that I was doing so, he also asked if I liked not paying my debts and asked if I wanted to go to jail. He hung up, called me back and continued to refuse to email me any sort of verification until I told him that unless I received an email of the debt ( ie : receipt ), that I would n't pay. Without my prompting, he said the last XXXX of my social security, current address, previous address, my full name, and other sensitive information without verifying who I was. After I verified the bill of {$60.00}, I asked to talk to his supervisor. His supervisor got on the phone, started to incoherently scream at me, and when I let him know that I 'd like to record the call, he started screaming that he could have me sued and arrest me if I was recording him. He also said that he could record me but I was n't allowed to record him. Not only was my personal information given over the phone, I was threatened XXXX to be arrested, but I was harassed. As somebody who pays all of my bills and with a flawless credit history, this was a scary and upsetting experience. The health clinic also stated that despite paying, they 've reported me as " refusing to pay. ''
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (AL)

I had filed a complaint earlier and it was resolved but the incidents that occurred after that have not PNC had returned 4 transactions to XXXX XXXX due to the money not being there from the first complaint and XXXX submitted and they were paid now XXXX has charged the account XXXX XXXX dollar return fees plus a XXXX dollar NSF fee all do to the mess up from the original complaint it has put my acct in an overdraft situation. I put in a dispute but they are not taking responsibility for all this was caused from their side and should take responsibility for this caused by their neglect I would like this cleared up as I spoke with XXXX, and they don't show any return fees. I have had several XXXX XXXX in the past five months and am getting tired of all of this.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AK)

I am frustrated with this entire financial system. I grew up in financial difficulty. From before I could remember, my credit has been in the gutter. I have been trying extremely hard for MANY years to pull myself from the bottom, but with each loan or credit card coming with an interest rate significantly higher, or even double the national average, it is extremely hard to keep up. I am a member of the military and have been for the past 20 years. I have managed to buy a home and XXXX cars, but at higher interest rates than even my most junior subordinates. Even demonstrating an ability and willingness to make these high payments, it seems that there is no escape. My wife and I feel trapped in a nightmare scenario, where we pay and pay and pay, while our neighbors are enjoying the benefits of always having good credit. I have never known that feeling and will as it stands now, will NEVER get to know that feeling. My Mortgage interest rate is 4 %, car loans are 25 % and higher, credit card is 26 %. I am able to pay XXXX car payments that total $ XXXX/month, a Mortgage payment that is $ XXXX/month, and a minimal credit card payment, along with all utilities and entertainment that comes with a XXXX member household. However, this is taxing, as we have no savings to speak of and can not have a savings with these high interest rates and no bank willing to help out. I am in school, but that is paid for by the military. If I were a private citizen, I would not be able to afford this and would be trapped and unable to achieve a better credit score and the door of possibly bettering my score would remain closed. I guess my complaint is simple, the financial/credit score system is rigged and unduly prejudicially punitive to the majority of lower-income people in this country. It rewards the well-off with all the benefits and punishes or takes advantage of those that have no other choice but to take what they can get. I never had the opportunity to fail, because I was not afforded the financial 'altitude ' to fall in the first place. 

That is my complaint, Concerned Consumer
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

I tried for 46 months to get a loan modification with XXXX and Ocwen. I had a sincere desire to get something done, but at every turn it seemed like the lenders did n't really want to help me. I got excuses, from " you did n't send in all the paperwork ( which I did multiple times ), to we lost it, to you did n't get it in on time so you 've got to start over. '' I never would have been that far behind on my loan had the banks given me what I deserved when I first asked for it. My loan originated with XXXX and was a ridiculous 9 % interest only loan, which I have been told is considered PREDATORY. After 46 months and no sign of help from Ocwen I finally had to hire a law firm to try to get me a deal and make sure Ocwen did n't just sell the house out from under me. The law firm did get me a modification, but it does n't take me out of hardship. While the lender did lower my mortgage payment, the payment is still 52 % of my gross monthly income. According to the HAMP guidelines, I was under the impression that my lender was suppose to lower my mortgage payment to between 31 % and 38 % of my income, but they did n't do that. To top it off, they have thrown a $ XXXX baloon payment onto the back of the loan. They sent an appraiser over to appraise the value of the house and he did n't even come inside. They are trying to say that my house is worth much more than it is. While there is a mansion with all the best materials that sold down the street for $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ) recently, my house is only similar to that house in square footage. Another house in the neighborhood which is a lot more comparable to mine XXXX XXXX XXXX XXXX XXXX just sold for $ XXXX. According to the lender I owe them over $ 740K, but they did not reduce my balance because they are trying to say my house is worth much more than it is. While I am grateful to get anything after 4 years of going through XXXX with my lender, I have XXXX kids and simply can not afford a {$3100.00} payment on {$6000.00} in gross income. My hope is that you will investigate this matter and at the very least force my lender into giving me a fair deal so that me and my family do n't have to move. I believe they could have lowered my payment further if they were n't trying to deceptively and artificially raise the value of my home. I also believe the $ XXXX baloon payment is obnoxious and unethical. Is n't the point of these programs to give the homeowner a fair shake so they do n't have to ask for assistance again in the future? 38 % of my gross monthly income is $ XXXX/month, so how can the lender justify a {$3100.00} payment? I want to keep my home, but I also need to feed my family and pay for bills. Please help me get a fair shake with Ocwen.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (GA)

I have an XXXX XXXX card through dillards. The orignial company that own this card was XXXX, and they have sold it to wells fargo. I have made all my payments on time up until XXXX, when I tried to activate my credit protection benefits and wells fargo the new owner of the card is telling me thy do n't offer that service but I paid every month on my statements for it. I ' experiencing a financial hardship in my life and need this beneift activated. I have called wells fargo and someone was suppose to get back to e regarding this.
Consumer complaint received 2023-05-07
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. (AZ)

PULLED MY CRETIT REPORT AND THERE IS INQUIRY THAT I DIDNT AUTHORIZED.WHICH ARE : XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/2023, XXXX, XXXX
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (TN)

Today I spoke with Equifax XXXX, another, then XXXX whom refused to correct obstructions due to their negligence and allowance of consistent false and fraudulent credit slandering without proper FCRA diligent process and ids and documentation, such as XXXX XXXX XXXX XXXX XXXX who's consistently reported false and fraudulent credit reports without ever providing any validation, documentation or Ids numerous times after I've demanded it numerous times as my right under FCRA, and have been denied everytime by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax , and all entities.They wrongfully are obstructing MY credit themselves adding to the nightmare im already going through and placing a wrongful restriction on my credit, all the while allowing identity thieves and false and fraudulent reporters report false info at will with no ID, no documentation, no valiation, all of which ive demanded under my rights under FCRA many times and been denied everytime ... because it doesn't exist legitimately and is not mine, now theses shady credit agencies demand more info to remove their wrongful restriction that is obstructing my credit and me wrongfully without reason and after months providing them info the identity theft and fraud against me has only gotten worse so that's a hard NO, I was advised by experts to not send out any more of my info to these so called " trusted '' private agencies due to what I've experienced with them and the identity theft and fraud against me I've been and still going through which theyve only seemed, as seen here, make it worse. I've made all proper reports I know how and been told to. 
They are responsible and I expect them to stop obstructing me and do their diligence on the fraudsters and identity thieves and id them and stop and restrict and stop them.Their non actions and everything has been meticulously documented since XXXX XXXXNo excuses, correct your wrong Equifax is responsible for and all damages that ive endured arising from their wrongful actions and practices.Do not dishonestly obstruct me further and protect my information from the identity thieves in which your entrusted to do is what I expect period. 
XXXX even told me to drive to XXXX office, in XXXX, ridiculous I'm in no shape too and live in XXXX, XXXXThese people seem to get away with these shady tactics by hiding their name even where their calling from, but expect every piece of info from me, and I have obliged as I thought I had to and they were legit, until now where I've been advised not to and to fully keep documenting, and will continue too diligently document.