davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the others names and address that appear on my credit report is not correct.
Consumer complaint received 2017-12-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I had home owners insurance with XXXX XXXX ; however, I decided to change to XXXX. I had home owners insurance with XXXX ins. until XXXX or XXXX of XXXX. I switched to XXXX in XXXX, XXXX. Wells Fargo place home owners insurance on my house at a cost of {$1800.00} a year -- -saying that I had no homeowners insurance. I called Wells Fargo, the customer service person told me to go the their website and up-load the insurance binder to them and everything will be fine. I did upload this to the website provided and thought everything was ok. Unfortunately, I receive another letter from Wells Fargo stating that they have actually purchased the insurance through Wells Fargo. At this point, I called XXXX and explained the situation, XXXX called Wells Fargo and sent them the insurance binder to the address that was given to them by Wells Fargo. I though everything was okay, but on XXXX XXXX, XXXX, I received another letter from Wells Fargo that they said that I broke an agreement to keep insurance on the house. I called XXXX to make sure that I still had insurance on the house, they said everything was fine, that I did in fact have home owners insurance until XXXX, XXXX
Consumer complaint received 2022-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (AL)

On Thursday XX/XX/2022, I contacted Chase Auto to notify them of a late payment due to updating payroll software. The customer service representative allowed me to set up an automatic payment for XX/XX/XXXX. On XX/XX/2022, I received a notification from XXXX regarding a change in my credit score. Chase had reported my account as 30 day past due. I called Chase on XX/XX/XXXX to inquire about the negative report and how it impacted my credit score. I was told that if my payroll was direct deposit to Chase bank that they could remove the negative mark, but by me not having the account with Chase there was nothing that they could do to help me. I was told to contact XXXX for help. I call XXXX on XX/XX/2022, and was told that they were just the reporting agency and they report what the lender sends to them. The customer service representative at XXXX told me to contact Chase again and ask for a supervisor and make them aware of the situation and ask how I can resolve the negative mark. The XXXX CSR also gave my the CFPB, gov website for help. I contact Chase again and spoke with CSR Supervisor # XXXX, on XX/XX/XXXX and was told that there was nothing she could do because the payment was set up to be withdraw after 30 days. I asked if I could pay today and have the negative mark removed from my credit report and she said no because i would still be pass the 30 days due. I asked why did the CSR not notify me of that when I set up the payment and she did not say a word. I have been with Chase for 4 years and I have never been outside of my grace period with a payment. The very first time I have a problem outside of my control and I call in to notify them of the situation, they disregard my concern and efforts to maintain good standing with the company and ruin my credit score. This is not fair to the customer and I want the mark removed from my credit report. This report was a negative impact on my credit report dropping my credit score XXXX.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

I ordered a pair of jeans from XXXX and returned them. The company refunded the amount of the jeans but continued to charge a monthly fee. I sent an e-mail requesting this account to be closed 3 months ago. The company continues to charge fees and reported to the credit bureau that I was 90 days delinquent. I have written a complaint to the company, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH. XXXX. This account is still open and reporting a delinquency to the credit bureaus.
Consumer complaint received 2017-12-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Admin Recovery, LLC (GA)

OnXX/XX/XXXX 2017 I received a call from Admin Recovery LLC. During the call the representative was being abusive, threatening, and unfair. I then spoke with the manager at this company on a different call within 5 minutes of ending the call with the first representative, the manager did not verify my identity and a third party was informed of my personal information. The manager was also abusive and called me a liar without getting proper information to see if I was being truthful or not ; which I was being truthful. Admin Recovery is a rude collection agency. The amount owed to the company is around {$2000.00}
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (MS)

I submitted a Federal Trade Commission report to each of the XXXX credit bureaus for fraud on several accounts on my credit report. I certify that these accounts do not belong to me and the credit bureaus would not provide me with the application used to open these accounts nor any other applicable items. There are several accounts listed on my credit report that do not belong to me. I contacted the companies, as well as Equifax, XXXX, and XXXX, and they were also not timely with a response. The fraudulent accounts include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX fraudulent inquiries by Bank XXXX XXXX, and XXXX XXXX
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (FL)

I closed on a refinance transaction in XX/XX/XXXX with Guaranteed Rate I paid my first payment to Guaranteed Rate, the institution that originated my loan. 
Subsequently my loan was sold to CMC Funding The second servicer, CMC Funding, stated they did not receive the payment from the original servicer, Guaranteed Rate. 
I provide documentation that I paid the payment from my acct. 
The documentation was provided to the second servicer, CMC Funding on XX/XX/XXXX & XX/XX/XXXX. 
On XX/XX/XXXX I was told the issue was not resolved by the new servicer and the " ticket '' had been closed. 
At this time I provided the information again and now they are reporting as 30 days past due for my acct. This month is will be 60 day past due. 
This is negatively impacting my credit rating and they are not assisting in resolving the issue. 
I am told by CMC Funding to wait and they will contact me when they resolve the issue. 
I am not at all confident this issue will be resolved timely given the way the situation has been handled so far.
Consumer complaint received 2023-07-03
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. (GA)

My computers were hacked on XX/XX/XXXX. Everything was jeopardized and caused the problem with my credit. Scores as well as my credit account. My identity was in jeopardy because they hacked into my bank account and at some points my bank balances were inaccurate. When I reported it to the local police department XXXX. XXXX XXXX told me through an email, he was hacked before so what made me different? I responded because I have federal papers on my computers and if they are in the wrong hands, it can be a problem for myself and my family. I was recruited for DEA at one time as an FBI : Special Agent. Although I turned it down it was still on my computer and I completed federal court cases from the XXXX XXXX XXXX to the US Supreme Court. Also, the hackers wanted my homes that were promised to them by my nephew with an illegal Gift Deed. These hackers were known to be in the drug business and their aim was to mess up my finances so they went after my bank account with fraudulent activities taking large sums of money from my bank account. They overtook my computers and my cell phone, landline phone, and computers. They paid individuals to try to take my identity through my Medicare card, dr. appointments, and medication. They threaten individuals who worked for me because they wanted my house at XXXX. XXXX XXXX, XXXX, GA XXXX. They tried to steal my identity by having others pretend they were me and go behind me to change things around mean. They interfered with my US Postal Mail and last but not least when they had a tree from their property to damage my auto. They paid XXXX XXXX XXXX XXXX to total my car because they knew it would be hard for me to find another one on my modest income How the credit scores came involved when I start looking into home equity that I never used and I talked to XXXX about a reverse mortgage ; then, it was obvious my computer had been hacked because XXXX asked if I was in Good Standing on my credit scores. The hackers started having XXXX come up with all types of discrepancies and when I contacted XXXX  XXXX XXXX, I remembered they told me that fraudulent activities were on my bank account since all this started in XXXX of XXXX. So I should have notified them but I received no support from local law enforcement. I had to do it all myself and when I reviewed my credit report, I never informed them I was a victim of Identity Theft because the hackers had all my information. They wanted my home at all cost even to the point they raised my XXXX  mom ( who passed on XX/XX/XXXX ) and they said she gave a Gift Deed of the house to someone in XXXX.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished account without my written instructions
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The financial institutions listed below continue to violate my federal right to privacy. 

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 XXXXXXXX XXXX XXXX XXXX XXXX Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as XXXX, XXXX, or Experian, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting. Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Experian, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.
Consumer complaint received 2022-06-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-12-27
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. (IL)

The company XXXX XXXX XXXX has placed their information against my social security number and it 's causing great harm to my credit report. I have tried to explain to this company that this account is not mine I have not signed a contract with them.. I tried to explain to this company via online and through the credit reporting agencies that these accounts ( ending in XXXX and ending in XXXX ) does n't belong to me. They only sent me a bill with no signature on it. No copy of terms of the agreement per my request. No transaction history and no billing history which shows some crazy balance amount for both accounts. This is on my credit profile and it is holding me up and it 's not my responsibility. This company is a scam and does n't care about consumer rights. They do n't answer their phone at all and have not provided the information I have requested as a consumer.I am not able to pay this account as it 's not mine.
Consumer complaint received 2017-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MS)

My mortgage was owned by PHH mortgage and was sold to XXXX in XXXX XXXX. The balances on the mortgage statements provided by PHH and XXXX do not match. I have made several attempts to have this corrected with XXXX however they are telling me they are not responsible for the accuracy of the balance provided by PHH when they purchased the loan. XXXX XXXX 's history and PHH 's history are not the same, XXXX XXXX is showing " restricted corp adv adj '' with amounts paid but balances are not reduced. My balance with PHH does not appear to have been credit correctly or timely from XXXX, large chunks of payments are removed and applied as " escrow or subsidy deposits '' These issues are present on both the PHH loan history and the XXXX history, however the issue that most concerns me is the fact that XXXX XXXX is saying I owe fees and charges that were not listed on the PHH loan history or statements from PHH. In XXXX, I received payment assistance from the XXXX XXXX XXXX ( XXXX XXXX ) and in XXXX, I did a modification with PHH. I am not sure the funds received during the XXXX were applied correctly and the modification amounts do not appear to be consistent.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent numerous of letter for the company to validate the bankruptcy on my credit report and they fail to do so. I have ask them to proved written signatures showing the validation of the bankruptcy and they fail to do that as well.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

I went into the office XXXX XXXX spoke with kierra stating that I needed a notice to vacate. I am a current resident under section 8. In order for us to move we have to have a notice to vacate. XXXX gave me notice I have the copy. In XXXX I also had several inspections that failed to meet the requirements do to liberty commons maintenance not fixing them. So the inspector told me I have 10 business days to let them know will I be staying or leaving. I decide to move. On XXXX XXXX I started moving all my things from XXXX XXXX I sleep there an I return my keys on XX/XX/2022. I have copies an cameras seeing me load the truck and leaving an turning the keys in. I received a letter in XXXX stating I owe them for XXXX rent an XXXX. Section 8 pays all my rent. So I met with XXXX an she was upset so I ask could I have the manager number. An they was going give me a call next business day to look at there cameras. No one call so I email the manger no one got back. Sent out all the paper showing I didnt owe that money an im study trying to get charged
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I called capital One bank to dipute credit card information that was incorrect on my credit report on XXXX XXXX, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to XXXX to have account remove from credit. its has been more than 90 days and information is still listed
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

WENT TO DEALER TO ATTEMPT PURCHASE OF VEHICLE REPORTED THAT XXXX WAS ONE CREDIT COMPANY  PULLING MY REPORT I RECEIVED MULTIPLE UNAUTHORIZED INQUIRES ON MY REPORTS SINCE 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 2022-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY ()

This complaint is connected with my two previous complaints about XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX . 
This complaint is to do with Wells Fargo XXXX Bank in XXXX XXXX. 
Mr. XXXX XXXX XXXX got me to send Mr. XXXX XXXX, who is a customer of Wells Fargo XXXX Bank {$2000.00}. The receipt is attached. When it became obvious that Mr. XXXX is not returning money, I instructed my bank XXXX XXXX XXXX to recall the payment, which is what they did. However, Wells Fargo XXXX Bank never returned the funds.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

On XX/XX/2022 I disputed the following account 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 I requested that XXXX and Equifax to removing the following accounts from my consumer report as they have violated 15 USC 1681 ( b ) by reporting the following accounts without permissible purpose. I am also requested XXXX and Equifax remove the following information from my consumer report within 15 days! Equifax has yet to respond to my dispute.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

THERE ISN'T ENOUGH SECURITY IN PLACE TO PROTECT MY CREDIT PROFILE FROM FRAUD AND IDENTITY THEFT! MY IDENTITY THIEF HAS ENOUGH INFORMATION TO REMOVE MY CREDIT FREEZES AND FRAUD ALERTS. I REQUESTED AN EXTENDED FRAUD ALERT BY MAIL AND THE THIEF CAN REMOVE IT WHENEVER THEY WANT!!! THEY CAN CALL IN ON THE PHONE AND REMOVE MY FREEZES. EXPERIAN, XXXX, AND XXXX DO NOT HAVE PROTECTIONS IN PLACE TO PREVENT THIS!!