davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

XXXX XXXX XXXX XXXX SS # XXXX XXXX Complaint Experian This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C {$1600.00} c-2 ) that you, the Experian credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards opened at XX/XX/XXXXXX/XX/XXXX with an account number XXXX, an auto loan with XXXX XX/XX/XXXX NA opened on XX/XX/XXXX with an account number XXXX and a balance of {$38000.00}, an auto loan opened with XXXX XXXX XXXX XXXX XX/XX/XXXX with an account number XXXX, a bank account at XX/XX/XXXXXXXX XXXX XX/XX/XXXX. XXXX with an account number XXXX, a credit card with XX/XX/XXXXXXXX XX/XX/XXXX with an account number XXXX, XXXX XXXX a charge card opened XX/XX/XXXX with an account number XX/XX/XXXX****. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report maintained by you which shows the aforementioned accounts, collections, charge offs, and hard inquiries, are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint # as proof of the federal trade commission that all of the aforementioned consumer credit account, charge offs, collections, and hard inquries are the result of identity theft and fraud.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONLINE Information Services, Inc. (AZ)

ONLINE COLLECTIONS/ INFORMATION SERVICES has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe ONLINE COLLECTIONS/ INFORMATION SERVICES any alleged debt and would like them to provide proof of claim with authenticated verification. ONLINE COLLECTIONS/ INFORMATION SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I was charged a debt of a little over {$5000.00} back in XX/XX/2015 by IQ Data International. The other party responsible on this debt paid the debt in full. They say they have no record of the payment.
Consumer complaint received 2015-07-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (PA)

The lender repossessed my vehicle at XXXX months past due. This seems egregious, as I 'm on XXXX XXXX, and under medical care. This makes communication extremely difficult. The repossession charge makes it impossible to redeem the vehicle and the lender has shown no willingness to work with me regarding that. This is a hasty reposession and unneeded as I had been paying each month and had not exceeded XXXX days past due. I want to redeems vehicle, and think the hasty actions of the lender make redemption with the added costs unbearable. This is discriminatory and predatory lending practices.
Consumer complaint received 2016-12-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance Collection Agencies, Inc. (WI)

I have been being garnished for a medical debt for the majority of this year. I have not had any issues with paying via garnishment as I could not afford the payment terms offered to me by the collection agency. 

Between each round of garnishment I received in the mail, notification that the debt was not fufilled and to contact them regrarding extending the garnishment. 

this last round ended XX/XX/XXXX., today XX/XX/2016 I received via the USPS a letter from circuit court stating there was another garnishment from this company for next 13 pay periods ( I owed XXXX ) total cost of this will be XXXX I told them I could pay today what is owed, however they made me pay the cost of the garnishement filing XXXX - This company purposely changed the way it communicated with me from past occurances to cost me an addtional amount of money. I do not believe this to be a fair or just practice
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I HAVE APPLIED FOR A LOAN MODIFICATION WITH WELLS FARGO. WELLS FARGO COMMITTED MANY ERRORS IN THE LOAN MODIFICATION PROCESS AND FORECLOSURE PROCEEDINGS WITH MILLIONS OF HOMEOWNERS. WELLS FARGO SETTLED WITH STATE & FEDERAL XXXX AND PROMISED TO CLEAN UP THEIR ACT. THE HORRORS CONTINUE. WELLS FARGO HAS DELIBERATELY INFLATED MY INCOME IN ORDER TO ISSUE A DECLINE AND TAKE MY PROPERTY IN FORECLOSURE. WELLS FARGO ISSUED A DECLINE LETTER AND BACK DATED IT TO XXXX XXXX, 2016 AND I RECEIVED IT XXXX. MY INCOME IS MY WAGES $ XXXX, XXXX XXXX {$720.00} + XXXX SOCIAL SECURITY {$830.00}. THIS TOTALS {$3000.00} PER MONTH. WELLS FARGO INFLATED THE INCOME TO {$4200.00}. THIS WAS AN ARBITRARY ACT & THE INCOME THEY FABRICATED IS WITHOUT SUPPORT
Consumer complaint received 2015-11-08
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (UT)

XX/XX/XXXX I opened a XXXX acct for XXXX /month, on XX/XX/XXXX to be exact via my Credit card. My son who was XXXX yrs old at time on XX/XX/XXXX opened was also, unbeknownst to me with my Debit Card via Chase at same amount XXXX/month. So there were XXXX accts simultaneously XXXX under my email address and the other under my sons. This i did not discover until XX/XX/XXXX. I immediately called XXXX had resolved but not the $ reimbursement of amt XXXX. XXXX informed me i would have to resolve through the Chase Bank. I went into the Bank Thursday XX/XX/XXXX filed paperwork. They credited my acct approximately 85 XXXX Now i received a notice from the bank that informs me they are taking the $ back, they have informed me that " AT this time, we determined the transactions are correct '' As a result we are removing temporary credits from your account. 
My question is i removed my accounts from Chase due to other matters that i as a customer found irritating. I have left the account opened due to automatic deposits of my Child Support checks and I have a credit card with them also. Therefore i do not go in and check acct for automatic withdrawls until recently when i noticed the netflix withdrawls. 

Is there more i can do to be reimbursed? i was making double payments both in my name to total amt of XXXX/month when i asked XXXX why not contact me if noting that my name was on XXXX accts. as payee, why they did not contact me, they informed me that that was my responsibility. 
Can you help me with this?
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I refinanced my mortgage with XXXX approximately XX/XX/XXXX, account # XXXX. There has always been a 15 day grace period with no extra charges incurred if paid within that time frame with this and every mortgage I 've ever had ( since XX/XX/XXXX ) including XXXX. On XX/XX/XXXX XXXX passed the servicing of this loan to Nationstar, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX account # XXXX. To date, they 've failed to pay my Property Tax on time, and now they 've informed me they will now be charging me a {$9.00} " Processing fee '' if I fail to pay by the XXXX of the month. I spoke with " XXXX '' from the account escalation team. She was adamant that this was not a " Late '' fee, but rather a " Processing fee ''? Curious. If that was so, this fee would always be charged regardless of the date so long as it was in the 15 day grace period, no? XXXX explained that most mortgage Servicers are banks, but Nationstar is not and thus uses XXXX XXXX for mortgage payments, thus they charge this 'fee '. This company, through it 's business model, is disguising this fee as a " Processing fee '' when the reality is it is a 'Penalty Fee ' or 'pre-late fee ' for not getting it to them a week earlier than the XXXX. This changes the conditions of my loan by accelerating the late payment date from the XXXX to the XXXX of the month. I do not agree with this action and it was clearly NOT part of the Loan agreement I entered into with XXXX. If this company wants to participate in the servicing of mortgages it must play by the same rules as everyone else or I should be able to op-out of XXXX 's transferring the servicing to them.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

We originally got our mortgage with XXXX bank the pic a payment mortgage which is a XXXX loan.. we bought our home in florida XXXX 2005,, there are class action law suits and then it switched to wachovia and then to wells fargo, we are in pre foreclosure and hired a company to do a criminal investigation and they found crime and fraud in our loan and also they fraudulanty signed my husbands name to the rein carnated XXXX closing statement he was not even at the closing, ,it was only me.. he was in XXXX for the closing.. there is no assignments of mortgage and wells has no proof they hold the mortgage but yet we are in pre- forclosure and i know they foreclosed on so many homeowners illegally.. we dont want to be a victim like so many.. how can you help us
Consumer complaint received 2017-02-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

XXXX : Sender 's Reference : XXXX XXXX : Bank Operation Code : XXXX XXXX : Date : XXXX/XXXX/2017 Currency : US Dollar Amount : XXXX XXXX : Ordering Customer Name and Address : # XXXX, XXXX OFF NO XXXX XXXX XXXX and XXXX XXXX : Account with Institution - XXXX XXXX XXXX Wells Fargo Bank , N.A . Head Office, XXXX XXXX XXXX : Customer Name and Account : A XXXX # XXXX Wells Fargo Bank is refusing to acknowledge receipt of an incoming international wire to my account ( please see the wire info details above ). The sender confirmed with their bank and the intermediately bank that the fund had been received by Wells Fargo Bank. I 've had the same problem with Wells Fargo Bank about XXXX years ago, but it took them 35 days to acknowledge the wire and release the fund. I called their Executive Office earlier and spoke to XXXX XXXX, who was not willing to help.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I requested Equifax provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was mine.
Consumer complaint received 2024-08-12
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 2023-07-27
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: Experian Information Solutions Inc. (SC)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Who may concern.. 
Hi..I have more than XXXX CREDIT INQUIRES ON MY CREDIT REPORT! I 'm going crazy! I 'm a single mother of XXXX boys ... I have XXXX XXXX! And this CREDIT INQUIRES ON MY CREDIT REPORT, ARE KILLING ME! I ca n't even rent a Apartment for me and my kids!!!!! I need your help! Please help me?? 
Thank you for your time and support
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

To whom it may concern, My income was reduced and I was having trouble making my mortgage payment so I contacted my Lender ( Seterus ) XX/XX/XXXX. I soon found out it was to be the worst customer service I have ever experienced. They were/are flat out rude, arrogant and very unprofessional. 
I was only trying to do the right thing and contact them to let them know my situation and to ask for assistance, and they flat out told me we were going to lose out house and there was no hope for us. Please see attached fax coversheet information dated XX/XX/XXXX when I originally sent in our request for assistance. 
I filed out and sent over all the correct mortgage assistance paperwork and Seterus confirmed they received it, but when we called to inquire about the status the representative was outright rude. 
I insisted on speaking with a Manager and then XXXX come on the line ( XX/XX/XXXX on or about XXXX ), I soon became aware this was obviously not the right thing to ask for. He was XXXX ruder than the first person I spoke with, probably one of the rudest persons I have ever spoke to. 
He started threaten me as well, stating we would never be able to save our house no matter what we did and/or asked for. He went on to say, we would never, ever qualify for a loan modification. He would not even listen when my wife and I was trying to answer the questions that he was asking us, he just ranted on and on and on, telling us we were just going to lose our house. He made it impossible for us to even talk to him. We just gave up. 
Then recently, I applied for mortgage assistance again XXXX because we were flat out denied the first time we tried. After sending in all the required documents we received XXXX ( XXXX ) very different responses in the mail. Please the see attached letters -- - now I am very confused on how to proceed. This is ridiculous. 
So I called the help line again at XXXX ( XX/XX/XXXX XXXX ) to try and find out what is really going on and spoke to XXXX individuals this last time. XXXX XXXX and then her manager. The Manager said if we do n't make our mortgage payment by XXXX XXXX, 2016 they will not modify us at all. 
We feel everyone deserves a fair chance, and should not have to be treated like some criminal when talking to these big-shot lenders. 
For what it is worth, that is my story. 
It is truly unfortunate that they treat consumers the way they do.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!! 

I need this call escalated to a higher level i need a fix to my problems i need a supervisor to address this issues
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I submitted a dispute with all three credit bureaus ( XXXX/XXXX/Equifax ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX processed a request for a change of address to a fraudulent address. I recieved the copy of the address change in the mail thus alerting me that is fraud activity. This enabled the thief to utilize my visa card, change the address and have access to confidential information. This accelerated an additional fraud with XXXX giving access to both accounts .... as the statements were mailed to the fraud address of : XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. 
A report was filed with The City of XXXX Police, case # XXXX : XXXX, as well as with Credit XXXX Bank .... the original offender and XXXX . 
XXXX XXXX XXXX has refused to remove the fradulant fictitious address information from My Equifax credit report.They were the original ones that caused the felony. 
XXXX has processed the claim and credited back ALL of the fraud charges. 
XXXX had corrected the address.as the fraud claim is still ongoing. 
I am XXXX in Florida. 
It is imperative that the incorrect Fraudulent address be removed from my credit reports.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I have been disputing with equifax incorrect information that is reporting on my credit report in regards to my XXXX charge account. Currently it is reporting as potentially negative with a 30 day late payment and a deragatory remark. This information is incorrect. I am attaching additional information from XXXX 's stating that this account was not paid 30 days late and they were going to notify the credit reporting agency 's of the changes to be made. I have been disputing this as far back as XXXX of 2016. Today I received another letter dated XXXX/XXXX/2016 supporting my dispute. This account should be reporting as accounts that are in good standing and the deragatory remark removed.
Consumer complaint received 2016-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Pressler & Pressler, LLP (NJ)

I was not notified of this debt properly. Pressler and pressler forged my signature stating I received a copy of the judgement when in fact I did not. They levied on my bank account, I went to court and got the judgement vacated and my money returned. I wrote them the 1st cease and desist letter, asking them to not contact me other then in writing form. They broke the law by calling my significant other and my self after we both requested not be contacted other then in writing, and admitted to in a letter apologizing about them contacting me. They also broke Federal Law by trying to collect on a debt that 's not owed to them and using the US mail system and court system to do their dirty work. They have not specifically proved their debt with any agreement that I entered into with because I have not. They have not proved their debt purchase because the debt was illegally purchased for pennies on the dollar.
Consumer complaint received 2016-06-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

I receive nearly-daily robocalls from ERC debt collection agency, claiming that they need to discuss some debt I owe. 
In actual fact I owe no one any debt, and no debt that I may have owed has been reerred to any collection agent. Nevertheless, the calls continue.
Consumer complaint received 2015-11-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarFinance Capital LLC, Irvine, CA Branch (KY)

It was on Thursday XX/XX/2015. Car Finance, our auto loan company, called our home at XXXX, just as we were going to sleep. This was very aggravating and disturbing.I had already advised them it would probably be two weeks before I could make my next payment, I resent this kind of harassment at such a late hour!
Consumer complaint received 2015-05-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (VA)

I had a contract with XXXX back 2013 and quit the contract 2013 and paid off all my debt, ever since then i never had anything again to do with XXXX, only for me to see this year a collection agent sent me a note of debt from XXXX, then am preparing for deployment which i am now on deployment, the collectors threatened to report it to credit report, as i check my credit report i notice a negative report from the collectors about a debt with XXXX. I never knew this collectors and am not owing XXXX