davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
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. (FL)

Hi my name is XXXX XXXX. To whom it may concern I would like this matter to be taken very seriously because they 're are several accounts on my credit that seems to either be an error, wrong, unverified. I am aware of all my rights and there seems to be a very big problem where I feel that several laws in the FCRA we 're broken and I can point them out. 1. The accounts are outdated. 2. No verified signature or paper with a signature. 3. A verbal verification or a phone call ca n't prove it 's a verification between a creditor and the credit bureau. 4. I refuse to get blamed for a fraudulent and I was wrongfully judged and discriminated against by XXXX, Equifax, and XXXX customer service reps were disrespectful, unprofessional and I am filing a lawsuit on behalf of these accounts and they way I was treated. I was treated poorly, unfairly. A. XXXX B. Equifax C. XXXX : 1. XXXX XXXX : fraud 2. XXXX XXXX : fraud 3. XXXX XXXX XXXX : fraud 4. XXXX XXXX XXXX XXXX : fraud, no signature verification, Date opened XX/XX/XXXX past 7 years old account. 5. XXXX XXXX XXXX, fraud, error late account opened in XX/XX/XXXX 6. Comcast, fraud : Learn some manners and respect whomever you  speak to when doing business. Remove all fraud and error accounts listed above. Please remove any accounts associated with the address XXXX XXXX XXXX XXXX FL XXXX. I am not associated with this address and any accounts that are under this address. Remove all addresses immediately please. The only address that should be listed on my accounts is XXXX XXXX XXXX XXXX XXXX FL XXXX, this is the only address associated with me. The only social security associated with me is XXXX.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus.
Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
Docket :  XXXX
Consumer complaint received 2017-08-04
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. (FL)

I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , A ND  XXXX   XXXX   XXXX   ) THE C REDIT BUREAUS GAVE ME NO VERIFYING PROOF. TH ESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN  MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  OF  2015.
Consumer complaint received 2017-08-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (TX)

Two VA mortgages were refinanced in late XX/XX/XXXX and assumed by Franklin American Mortgage company ( FAMC ). After 11 months of existence, FAMC has mismanaged the loans in their entirety, with focus on the XXXX property identified below. They have failed repeatedly to properly establish and make legally obligated payments from Escrow per the RESPA. Further, since XX/XX/XXXX they have deliberately caused delays in payment processing to create opportunities to file fraudulent and negative credit reporting information. For the past two months, they have credited payments toward another account ( XX/XX/XXXX per below ) in further attempts to cause delays in loan payment processing. The primary loan in question is for a rental property located at XXXX XXXX XXXX ( XXXX ). The second loan is for my homestead at XXXX XXXX XXXX XXXX ( XXXX ). All payments are sent directly from my bank to FAMC, well within the monthly grace period, and with proper identifying account information. However FAMC continues to credit payments for the XXXX property to the XXXX XXXX property with the latest violation on XX/XX/XXXX. Bottom line, FAMC has mismanaged this loan every month in one manner or another since its inception inXX/XX/XXXX.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX   XXXX  ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.
Consumer complaint received 2017-08-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (NY)

I have a mortgage with Wells Fargo since 1996, in the amount of $ {$330000.00}. Balance today is {$260000.00}, which means I have equity in this bank. I wanted to take out a " Line of Credit '' in the amount of {$35000.00} and I was denied, why. I am a single mom that have worked all my life trying to help my children. So I would like you to investigate the bank and give me the correct answer as to why I was denied. Also check their customer service records, as to why they do n't want to give me a line or credit only want me to take out a Line OF Credit, which is low cost to me but put Home Equity Loans which they make money on. Please investigate this bank as other agencies have do,
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Yet another worker that just can do there easy job right..i gave her my CC number 2 times over the phone for capital one and she said the payment is processing the confirmation number is XXXX ... she said it went through..well when i checked today and tonight at XXXX ( stayed up to see if it would show ) it 's not showing ... i went on chat and after 1/2 waiting and chatting the chat worker did n't know either..i paid {$40.00} dollars to what XXXX? the sky? ... i do n't get it ... I do n't know how these people are hired and do n't care..i just want to know and now have proof where my hard earned money went ... so this is the reason i have to do this again ... my XXXX if this place was n't here over half the world would be ripped off..wth is happening ....
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Care, LLC (PA)

I received a notice in the mail marked SECURE and it said I was recently eligible for Loan forgiveness. There were several options listed for what I could be eligible for and I called the number on the letter and gave the representative my eligibility code. I had to call them several times because the call kept getting disconnected. Finally, after hours on the phone, they said I was eligible for the Revised Pay As You Earn program and my monthly payments would go down drastically for the next 10 years or so. The only sensitive information they took was my FSA ID and my bank account and routing number, but I was warned not to give this info to anyone. I asked the person if I could have done this on my own online, and they said no.
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo Home Mortgage on XXXX XXXX, 2017 fraudulently charged me {$150.00} for two days of 3.8 % interest on a {$48000.00} principal balance. On XXXX XXXX, 2017 I paid Wells Fargo {$310.00} in interest covering the monthly interest cost. So two days of interest on {$48000.00} at 3.8 % a year is {$5.00} a day or about {$10.00}, not the {$150.00} billed by Wells Fargo Home Mortgage. Wells Fargo owes me {$140.00}. Thank you for investigating and helping to resolve. Sincerely, XXXX XXXX
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

We have had frequent problems with Seterus processing our payments, duplicate payments, payments for shortage in escrow that they manage. We received a letter once again stating we were short, I sent the full payment for that shortage they claim and the check was cashed to avoid them applying it to our mortgage. I wrote on note with the payment that this was for the escrow shortage and listed the acct. We received the mortgage with an increase and paid it. I included a copy of the escrow shortage check that was paid with a note explaining not to apply the shortage to our mortgage. We received a letter stating they would look into the matter and to this day have not seen our mortgage adjusted back to what we were paying. My credit was also ruined because of past issues they claim they would clear on my credit.
Consumer complaint received 2017-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Im receiving letter of a debt from portfolio recovery, i dont know who this people are they are saying that they are on behalf of XXXX XXXX XXXX and i have never had an account with this people and i have no idea how they always get my new information plus they always threating me saying that i will get into trouble if i dont pay and they asking me personal question like my social my date of birthday my address and what kind of car i drive. Im a little freak out. I dont own any money to this people and i want them remove from my credit report.
Consumer complaint received 2017-08-04
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: EQUIFAX, INC. (CA)

We need to complain that the   XXXX   Credit Agencies simple reporting system from the banks, is biased against the consumer and small family.Our standing with  XXXX  was misrepresented.
This misrepresentation is intentionally built into the Credit Agency 's systems!
We, the consumer, must have an equal opportunity under our common law rights. This has been denied us.
an equal opportunity to present the ongoing dispute, the facts and actions of the parties.And an accurate and equal The Credit Agency 's ignored the facts, the actions of  XXXX  in refunding us 100 % of all 'late charges ' The facts and actions of the parties are as follows ; a ) There was only one occurrence of a late payment, about 30 months prior to  XX/XX/XXXX .At that time l was in Intensive Care a. We asked   XXXX   for the regular paperwork showing our balance, so we could make a special 401k claim to catch up with the balance.
We had not been late prior to hospitalization. Despite numerous phone calls   XXXX    never supplied the norcmal paperwork in a timely manner. Later   XXXX    produced Fraudulent papers to 'clim ' they sent the papers on time.
We were n't the only family suffering from   XXXX   unfair servicing on the same issue.
b ) We never were further behind than that one occurrence ( of two late months ) during hospitalization.
But   XXXX    marked the binary system late every month, after they refused to supply the paperwork, which would have allowed us to be current.  XXXX  themselves stopped us from becoming current, then charged us late charges for about two years or more. This became a serious disagreement with  XXXX .
c ) In the few years since that first occurrence l was hospitalized about fifty percent of the time. And on  XXXX  for eighteen months. Even so, we never extended the two past due payments, past the one time only original occurrence.
d ) In  XXXX /  XXXX   we reached an agreement to sell our house and informed  XXXX  we needed to agree to 100 % of the pay-off.  XXXX  agreed to take the action of refunding 100 % of all late payments.
e ) The dispute took a turn, when  XXXX  stopped making any late charges against us in  XXXX .
f ) This action meant the binary reporting method to Credit Agencies was unfair and incorrect. It is biased against families, allowing big banks and the   XXXX   major Credit Agencies to unfairly and wrongfully impose huge damages on our family.
f )  XXXX  actions speak louder than computerized binary reports.On  XX/XX/XXXX   XXXX  took ACTION and returned to us 100 % of all late charges.
These binary reports ignore the actual state of affairs and the refund action.
Our direct damages today, due to the biased credit reporting is over {$100000.00} and will climb substantially after  XX/XX/XXXX .
Consumer complaint received 2018-06-16
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. (AZ)

Experian has not been able to provide me mechanisms to prove to me as required by Federal law FCRA that XXXX XXXX XXXX XXXX : XXXX actually belongs to me.

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by Federal law to verify- Through the physical verification of the original signed consumer contract-any and all

accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I want to see verifiable proof ( an original consumer contract with my signature on it ) or remove this account.
Consumer complaint received 2017-08-04
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. (CA)

The lender is XXXX which is not reporting the correct balance and that is effecting my credit score significantly. I opened an investigation with Trans Union and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on XX/XX/XXXX, the case was opened on XX/XX/XXXX. The balance is XXXX as of XX/XX/XXXX in my credit report but as of XX/XX/XXXX the correct balance is XXXX I called Trans Union and complained to XXXX which claim was a supervisor on XX/XX/XXXX at XXXX XXXX XXXX and asked him why Trans Union is reporting a false balance and he said because XXXX said it. I told XXXX it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period. I asked why the screenshot that I submitted within Trans Union dispute section was not presented to the lender - XXXX and XXXX said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from XXXX and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say. The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.
Consumer complaint received 2017-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: DriveTime (FL)

I recvd an auto loan from DriveTime in XX/XX/XXXX for a XXXX XXXX XXXX. The vehicle was to be used for work/home. Unknowingly, the vehicle was one with several recalls that caused the vehicle to constantly have issues that impaired the quality and driving of the vehicle. These issues also required me to take off work for repairs under their limites warranty service agreement. The loan was provided at a high interest and overtime, I notice the owed amount never reduced and I struggled to Mantain payments. The loan was then seemingly turned over to XXXX without my knowledge or consent. Their customer service is poor and collection tactics unethical. I constantly try to understand why The loan is still averaging {$16000.00} for a car that is worth {$4000.00} on today 's market. The reps continue to say this is what I agreed to. I believe I am a victim of a PREDATORY LOAN. I am in the process of modifying the loan so I can get leeway on the payment that are $ 400+ a month. However, the service rep XXXX XXXX was very rude and nasty towards me trying to understand why the loan originality dates did n't match up on the documents and that of the account online. Theywere pressuring me to sign the documents before the allowed 48 hour time frame and he continued to call and email and text me within that 48 hour frame that the approval for a modification was recvd. I  still have no answers to understanding the loan or why all these payments have n't reduced the owed amount. I also dont know why the loan is extended for another 3 years. I dont think I should be paying for a XX/XX/XXXX recall all the way until XX/XX/XXXX. That 's kind of scamy scary business. I need justification and clarity
Consumer complaint received 2017-08-04
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some XXXX XXXX XXXX XXXX and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem report.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX, Tax Lien reflecting on my credit report with all three bureaus in error. This started back in XXXX 2017 when State sent a lien XXXX to create a judgement. I paid this account within 2 days of notice and the judgement had not even been processed. I have experience a tax lien on my previous home but it had a XXXX balance. I had to obtain tax lien release for my home that had already been paid in full. I am presently experiencing this being reported to credit bureaus which is incorrect. This should not have made it far as it did. Also I have a collection account {$190.00} for XXXX ( XXXX XXXX ) reported and I had never received a bill, email or phone call. I had paid it in full once I received notice that it was reported to the credit bureau. I have placed a dispute for this account. It appears this new law that was passed has made this situation worse with the credit reporting for me not better. I am now in the process of purchasing a home and this could possibly hinder me, but I am trusting XXXX for favor
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC (AZ)

Hello this company called trans world system inc have been trying to collect a debt for a XXXX XXXX XXXX. They are saying I owe {$6000.00} dollars. When this debt highest limit was XXXX back in 2012. I have asked them to validate this date multiple times showing me my contract that shows my apr. they have not sent me nothing. Then on ore about XX/XX/XXXX I get a letter demanding a payment or they are going to garnish my wages. A debt from 5 years ago ca n't grow XXXX dollars. The intrest should stop. This collection agency is trying to collect from veteran illegal I feel.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for XXXX XXXX XXXX XXXX-XXXX which are XXXX on XXXX, and XXXX on Transunion and XXXX but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of this bankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.
Consumer complaint received 2019-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am not able to submit a dispute online with Transunion website, as it is giving me issues. Attached to this complaint is my police report showing the unauthorized inquiries on my Transunion credit file. These inquiries are a result of fraud, as I am a victim of identity theft for many years now. The other attachment shows the inquiries that are being disputed.