davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (IL)

My mortgage has two creditors. In XXXX of XXXX I was a victim of a domestic issue causing an issue with the mortgage payment. The other holder called Wells Fargo and got on a Forbearance Program for XXXX and XX/XX/XXXX. As the second holder I never received the terms and conditions of this program. Per Wells Fargo this is their process as long as one account holder calls the other does not need to be notified. In XXXX I requested from Wells Fargo acknowledging if I was late on my Mortgage during this forbearance period in their records and they did not answer and referred me to my credit bureau. I checked and I do not show late. At the time I was told that while you are on a forbearance program you are not recorded as late, thus not negative to my credit. We paid in XX/XX/XXXX and have been current since. 

Fast forward to XX/XX/XXXX. I am shopping for a better price on my homeowner 's insurance. I found a company that is cheaper by a couple hundred and I want to do payroll deductions with the hope of getting that discount. So, I am going to cancel my current insurance and go with a new company to save. I called Wells Fargo and requested that the Homeowners Insurance come off my escrow, so I do not pay twice. They said no that they can not " XXXX XXXX XXXX '' because I was late in XXXX and XXXX in XXXX. First, I never requested to close my Escrow, just remove the insurance. I tried two employees at Wells Fargo, and I failed to get someone to understand this. They said that when you go on a forbearance program, they still record you late. I asked them for the language in the forbearance terms that let the customer know how the program would negatively impact their credit. I was told it is not in there it is just the way it is, and that is it. 

It is unfair and deceptive for Wells Fargo to not disclose to all parties on an account or to notify anyone of the terms on how a forbearance will negatively impact their credit. This means that all the Wells Fargo clients in XXXX  who request Forbearance due to the hurricane are going to be negatively impacted on their credit, only to find out years later.

It is unfair that Wells Fargo will not let a client change their insurance provider without going through them. They charge an extra two months on the escrow, so you are giving them money they can earn on while you can not. I can save money on my insurance by paying myself and not have to pay extra. That money can go in a high interest savings and earn me money not Wells Fargo.
Consumer complaint received 2024-10-24
Product: Credit reporting 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) (IN)

I am writing to formally request the removal of incorrect and fraudulent information on my credit report as a result of identity theft. Specifically, I am disputing all previous addresses, phone numbers, and name aliases that do not belong to me. 

All other addresses, phone numbers, and name variations should be removed, as they are the result of fraudulent activity. I have never used any other names or aliases, and the incorrect information is negatively impacting my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you remove these fraudulent entries from my report to ensure that only accurate information is reflected. 

Thank you for your prompt attention to this matter. Please confirm once these corrections have been made.
Consumer complaint received 2024-10-29
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (NY)

I am writing to formally dispute a XXXXXXXX XXXX XXXX XXXX that has been forwarded to collections under my name. This bill is associated with an address that is not my current residence, nor has it been for some time. 

To clarify, I currently reside in New York, and my updated address has not been the address associated with this bill. I believe there may be an error in recordkeeping or possibly a mix-up in account information. As a result, I am not responsible for the charges billed for that address.
Consumer complaint received 2024-10-28
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. (CA)

I never consented any line of communication.

This account wasn't on my credit report and appeared out of nowhere!

Decreasing my score an extreme financial hardship took place after!

15 U.S Code 1692c Communication with debt!

1 - U.S. Code - Unannotated Title 15. Commerce and Trade 1. Trusts, etc., in restraint of trade illegal ; penalty. Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

While living in Florida, I purchased a XXXX XXXXXXXX XXXX VIN XXXX, and financed via Nissan Motor Acceptance XXXX ( NMAC ), account number XXXX XXXX XXXX XXXX XXXX. The loan was paid off on XX/XX/XXXX, and NMAC released to lien to the Florida DMV on XX/XX/XXXX. 

On XX/XX/XXXX, we purchased an additional XXXX ( XXXX ) XXXX XXXX, account number XXXX, in California, where we now live and financed through NMAC. On XX/XX/XXXX, NMAC incorrectly placed the lien on the XXXX XXXX XXXX that had already been paid off in California instead of the new XXXX XXXX. They mixed up the VIN numbers. 

On XX/XX/XXXX, the XXXX XXXX XXXX was in an accident in which it was a total loss. Because NMAC placed a lien on this vehicle incorrectly, we can not be paid for the value of the car from insurance. This is an egregious error on the part of NMAC, and we want them to release the lien on the XXXX XXXX XXXX immediately so we can be compensated for our totaled vehicle. We have been in contact with them, and they assured us they fixed it, but the lien has not been released in California. They must release this incorrect lien.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XXXX I received a XXXX payment of {$1000.00} dollars On XXXX I received an email stating my account was restricted because of the XXXX payment I received on XXXX On XX/XX/year> I received an email stating my account was under investigation and the account would be closed in XXXX days and any owed money will be mailed to the address on file. 
I've called capital one multiple times and they can't not provide an update or a time frame. 
I believe i was a victim of a scam and don't believe my account should be closed but I also would like my money released to me if capital one is ending banking relationship with me.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2024-10-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am a former tenant of the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, located in the city of XXXX, XXXX at the address XXXX XXXX XXXX, XXXX, I had a conflict with the XXXX. The fact is that I booked an apartment and made a payment for the reservation. My lease was ending and I booked housing in advance. Closer to the release date of the reserved apartment in the residential complex, I went to the office and I was presented with the fact that this apartment went to another person. I, a XXXX  XXXX, through an interpreter, reminded that this is illegal, the XXXX XXXX XXXX began to drive me out of the office and later apologized. As a result, I moved out of this residential complex and handed over the keys, the premises. They did not return my deposit and issued unfounded bills. Now the core XXXX has transferred the unfounded debt to the collection agency XXXX. XXXX does not provide documentation on the transfer of debt and ruined my credit report
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC XX/XX/year> ORIGINAL CREDITOR XXXX XXXX XXXXI hav enever done business with LVNV Funding and they should not be listed as a debt
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AVANTE (FL)

Multiple areas in violation. XXXX. They contacted persons not associated with this account. XXXX. They never sent written notice to me. XXXX. They continued to call my work cell phone after I requested they cease this in writing. XXXX. Threatening repossession without acting. XXXX. First contact was via phone and I was degraded and called a liar, this is one reason why I requested all future contact be only via email. Other reason was tying up my cell phone for them potentially costs me thousands of dollars lost in revenue for my business! They have stated false information about my account so far to my knowledge. I am waiting on the account details from them as they are claiming it is a business loan so that entitles them to contact me even after requesting to stop. The loan was personal in only my name to my knowledge and what I signed. I have emails and voicemails to confirm my side.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I rescinded my vehicle contract with XXXX XXXX, in 2023 on my credit report its still reflecting a balance owed. I contacted them for over a year with no proper response or resolution. I final was told just a few week ago it was closed and they will no longer contact me. Since the contract has been rescinded I am requesting it be removed from my credit report. There is no balance owed.
Consumer complaint received 2024-10-28
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. (TX)

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

i am small business. XXXX XXXX XXXX i am an XXXX and i use XXXX XXXX XXXX as well as XXXX XXXX services to get paid from my clients in XXXX XXXX. 
i am enrolled in the service, however, Chase held on my documents for month and half, for documentary collection. Asked my multiple questions which were all promptly responded and then without any explanation sent it back to me, saying " due to internal business policy ''. None of my documents were, illegal, out of norm or to any of restrictive demographics. Chase has already processed for same client in past, however this time they refused without a logical, legal rational formal reasoning. On the other hand, Chase bank refused and incoming XXXX  Letter of credit for my company name, even though there are no restrictions, embargoes or factors effecting it that way. 3 times they have done that effecting my business badly and causing excessive losses, without even a hint of explanation as to why they would unfair discriminate where no such reason exist.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. I reported that this was not my account due to someone stealing my identity. Your company has yet to provide me with any agreement that I signed or anything that contains my wet signature. The investigation information you provided back was a generic cardholder agreement without any details that were requested.

The inaccuracies are highly injurious to my credit score DISC
OVER BANK ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law

91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. DISCOVER failed to in
vestigate this account properly after I repeatedly asked/disputed information to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account if you can not provide the agreement with my WET signature and DEFINITIVE proof that I am responsible for this account.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CLGF Holdco 1, LLC (LA)

I am writing to report identity theft. Someone named XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, LA XXXX has been using my credit information for loans. Concora Credit is a company she has used my information for. I reported it on XXXX on XX/XX/2024 but I am still seeing it on my credit report. FEB/ DESTINY is the other name given for this fraudulent Concora Credit charge. It is a commercial bank. Please help and cancel these accounts that are in MY name!
Consumer complaint received 2024-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IN)

My federal loans were discharged, forgiven and deleted from my credit report. I have letters from the Department of Education stating I am entitled to a refund. I called the Department of Education XX/XX/year> to inquire about my refund and the representative indicated the loan servicer Mohela needs to release the information to the United States Treasury. When I called Mohela on XX/XX/year> it was a XXXX minute wait time. I opted to keep my place in line and receiving a call back. I was never called. On XX/XX/year> at XXXX I called Mohela again. I was transferred 6 times and given 2 different numbers that I called myself. None of which could help me and told me and all told me I had the wrong department. I spoke to a man who stated that I wasn't entitled to a refund because he found a link online saying previous customers of XXXX don't get a refund. I asked for a supervisor, and I was refused. The same man kept coming back to the line and said " well my supervisor said '' to tell you to call the Department of Education and refused to speak to me because they were not sending in the information to the Treasury. I am entitled to a refund per the Department of Education and Mohela and its representatives refuse to help
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

I am formally notifying you that Discover is engaging in fraudulent and malicious reporting of two inaccurate accounts to the FCRA. These accounts, representing the same credit card, are misleadingly reportedone as open with high utilization and the other as a closed charge-off. 
The attached screenshot from XXXX clearly illustrates this discrepancy. As a direct result of this erroneous information, I have faced unjust denials from creditors. I have never had two accounts with Discover, and this pattern of discrimination and retaliation appears to have escalated after I questioned the accuracy of my account details, for which I was never provided the requested information. Despite my attempts to have these accounts corrected and removed over 30 days ago, there has been no resolution. If this situation is not addressed promptly, I will have no choice but to consider legal action for discrimination and harm caused by this misleading reporting.
Consumer complaint received 2024-10-23
Product: Credit reporting 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) (FL)

This account looks as though it was created online. Please properly identify this account belonging to me if not please remove this information from my credit report or else i will get a lawyer. I have been a victim of identity theft
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

i went to open a bank account and the bank says that chexsystems is reporting XXXX account so they couldnt open my bank account,,, ,that account is not mine,,, ,ive never seen or had that account ... .i sent a letter requesting it be deleted and the mail was returned ... .i send it to the address they publish on the white pages and it was returned ... due to this inaccurate reporting i cant even open a bank account and now they are violating my consumer rights by not accepting my letters... .they are causing me financial damages at THIS POINT
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (MI)

I am REWRITING to formally resubmit the complaint to SHEFFIELD FINANCIAL regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. 
My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under XXXX XXXX XXXX XXXX XXXX, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (MA)

I have worked in banking so I understand the traditional banking delay for a deposit of XXXX since I specifically handled XXXX  lending. On XX/XX/year> I deposited a {$500.00} check from my mother with the same last name to my fidelity checking account. It is now XXXX weeks later and XXXX says my funds will be released on XX/XX/XXXX nearly a month after the initial deposit was made After reaching out they told me it was for security reasons. I'm not sure how that is legal given the federal guidelines and the obvious lack of " concerning evidence '' considering the funding source is family with the same name. This caused harm to my credit scorXXXX since it caused me to bounce a CC payment on the XXXX and caused me to incur a {$40.00} late payment fee. Nothing about this seems normal and only benefits XXXX. They both traded on overnight lending of those funds for a month and got my late penalty payment since they also own the XXXX account. I filed a complaint with XXXX and could get nowhere with them even when I escalated to their management. They told me I could take my business elsewhere.