davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

Gentleman, I am following up with you concerning XXXX XXXX. 

Wells Fargo and XXXX XXXX Mortgage continue to deny that they are the appropriate company at issue. 

Along with my synopsis of this case, I am resubmitting corroboration documents substantiating that Wells Fargo, XXXX XXXX Mortgage are Explicitly, Unquestionably, and Undeniably the appropriate company at issue. 

1. I have attached the most recent document submitted to the Trial Court " XX/XX/XXXX '' from Wells Fargo 's Counsel XXXX XXXX XXXX. 

Wells Fargo continues to DENY that it is the appropriate company at issue, but the " Motion To Substitute Party Plaintiff '' filed by Wells Fargo 's Counsel XXXX XXXX XXXX confirms that Wells Fargo is indeed the appropriate company at issue. This is irrefutable. 

THIS IS AN ONGOING LITIGATED MATTER INITIATED BY WELLS FARGO. 

Wells Fargo has deliberately filed this " Motion to Substitute Party Plaintiff '' in the hopes of evading its Unlawful, Predatory Mortgage Servicing Practices and Wrongful Foreclosure action against me. 

As evidenced in the attached 5th Circuit Court of Appeal Ruling, Wells Fargo Failed to Establish it is the proper party to enforce the Promissory Note at issue. 

WELLS FARGO HAS FAILED TO SUBSTANTIATE OWNERSHIP IN THE NOTE AND MORTGAGE AT ISSUE. 

Wells Fargo had no authority or legal right to assign The Note and Mortgage at issue in which it has not proven ownership in. THIS IS FRAUD AND AN ILLEGALITY. 

I am also attaching the Transfer Of Note Secured By Mortgage from XXXX To XXXX Mortgage in the amount of {$110000.00} dated XX/XX/XXXX. 

I am also attaching the Corrective Assignment of Mortgage Note from XXXX to Wells Fargo Dated XX/XX/XXXX which has been fraudulently altered to {$210000.00}. 

Both Assignments are False, Forged, Fraudulent and Fabricated Assignments. 

XXXXXXXX XXXX FABICATED AND FORGEDTHE CORRECTIVE ASSIGNMENT. 

The Originator, XXXX Mortgage was not in existence at the time the said documents were executed. XXXX Mortgage was defunct in XXXX. 

This substantiates the fact that the assignments are False, Forged, Fraudulent and Fabricated. This is Irrefutable. THIS IS FRAUD AND AN ILLEGALITY. 

WELLS FARGO, XXXX XXXX AND XXXX SHOULD BE HELD ACCOUNTABLE FOR THEIR EGREGIOUS ACTIONS. THIS IS UNLAWFUL. 

XXXX Mortgage continues to Deny that it is not the proper party at issue as well. I am attaching two Affidavits of Amounts Owed from XXXX and one Affidavit of Amounts Owed from XXXX Mortgage that were submitted to Wells Fargo to pursue foreclosure against XXXX XXXX. As evidenced in the 5th Circuit of Appeals Ruling, the Affidavits were INVALIDATED. 

XXXX XXXX AND XXXX MORTGAGE ARE EXPLICITLY, UNQUESTIONABLY, AND UNDENIABLY THE APPROPRIATE COMPANY AT ISSUE HERE AS WELL. 

XXXX XXXX  and XXXX XXXX  have placed Forced Placed Insurance on my property in which they have no legal right to do so. 

THIS IS FRAUD AND AN ILLEGALITY. 

I appreciate your assistance in resolving this matter. 

Kindest Regards, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/corporation making the report is NOT included on the consumer reports. Yet XXXX and TransUnion is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/chargeoff status and any other derogatory information deleted from my consumer reports effective immediately. Please don't reply that the accounts have validated because I'm not asking for verification nor validation. Some of the accounts have been placed in Charge off without mailing me a copy of IRS form 1099C cancellation of debt. XXXX and TransUnion reporting late payments, charge offs or any other derogatory information in a consumer report is a violation of 26 USC 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : against all entities involved. An opt out notice was never provided to me by either of these corporations. The Opt Out Right : If a bank intends to share nonpublic personal information outside the exceptions, it must also provide the consumer with a reasonable opportunity to opt out. XXXX has already complied. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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. (MI)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This Account have violated my rights According to FCRA ; XXXX. XXXX XXXX XXXX ; account number # XXXX. 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XX/XX/2016 ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I'd like you to help me remove the inaccurate items on my credit file that came about because of a FRAUD yet there are some items passed on that should be taken out. According to FCRA 605 you should be remove any records which are inaccurate on my file. I've proactively remembered this report for a past letter and I am including it once more. The following fraudulent items needs to be remove : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/14 I received an email from my bank, Bank of America, that a payment was past due. After logging into my account I discovered that two business accounts had been created in my name, one with a balance of over {$9000.00}. I did not create these accounts. I notified Bank of America. They have closed the accounts, and said they will cover the costs.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (IN)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute certain information contained in my consumer credit report. These items are incorrect and do not reflect accurate information regarding my credit history. 

-- -- -TransUnion 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 XXXXXXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my follow-up 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 items 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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (MD)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2023-06-22
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. (DE)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Moneytree Inc (WA)

I was called by Moneytree requesting I pay I a check I have stopped payment on successfully with my bank. They claim to have cashed a check to a XXXX XXXX when the check was originally payed to XXXX XXXX XXXX. I notified them of such and they said that I am still liable for the amount.
Consumer complaint received 2022-11-24
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. (AZ)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX & XXXX XXXX, XXXX XXXXXXXX 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 XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXXXXXX 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, have violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-01-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (WI)

My issue is a continuous foul up on the Mortgage company ( Mr. Cooper ) and escrow department ( XXXX ) that started XX/XX/XXXX and continues through today XX/XX/XXXX. According to my closing documents my escrow is to my property taxes annually at the end of each year. My spouse is a 100 % XXXX veteran and due to the state of Wisconsin laws they do not do a tax exemption per VA benefits, instead Wisconsin does a tax credit. This means in order for me to get my credit back, we must pay our taxes by the last business day of the calendar year. Also my municipality as well as my county, do not and can not accept electronic payments, payments must be in form of a check. Mr. Cooper as well as XXXX have been notified in writing and verbally by my self and both municipalities of this issue, yet each year it has been sent electronically! This has caused us to miss due dates and financial hardships in the past! ( XX/XX/XXXX ) then someone in the escrow department within Mr Cooper issued an escrow refund to us {$2400.00} XX/XX/XXXX for what I was told was an escrow overage and anything over {$50.00} had to be refunded and I was assured that we would have enough in escrow to cover property taxes at the end of the year, but come XX/XX/XXXX we were short in escrow exactly {$2400.00}. Our taxes were initially paid electronically XXXX but I caught it and they reversed the electronic payment and overnight payment XX/XX/XXXX in the form of a check. Due to the payment mishap we had a deficit in our escrow that Mr Cooper added to our current mortgage/escrow payment causing another deficit ( {$1200.00} ) for the XXXX tax payment which also was paid electronically XX/XX/XXXX {$5000.00} and when I tried to get them to correct it and again explain the veterans tax credit/payment due date , they lied about the payment, when it was sent, how it was sent, refused to provide my municipality or myself check numbers etc. then on XX/XX/XXXX I was told Mr. Cooper mailed a check yet again no check number amount etc is given, yet my municipality has not received payment, So to meet the due date guidelines of the last business day of XXXX being XX/XX/XXXX I just paid the full tax bill myself {$5000.00} and then XX/XX/XXXX a check # XXXX {$5000.00} was overnighted to my municipality ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) now my current escrow account is negative {$6200.00}! Now due to-the negative balance I am being told they can not close my escrow account therefore I am still obligated to pay my P & I payment plus escrow to avoid late fees and penalties as I was told if they received an incorrect payment they would hold it. Due the incompetence, stress from the inconvenience and lack of integrity I have asked on several occasions to correct this mistake made by the mortgage company and escrow group with no action apologies or corrections! An attorney suggested I contact the CFPB as well as my senator office and my veterans office. All of which I have done and still not corrected!!
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. XXXX, Transunion and XXXX. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

Equifax verified XXXX items on my credit report that are incomplete. As per the FCRA section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) warrants the CRA 's to remove all accounts that is inaccurate/incomplete due to no original signed documents, invoices, etc ca n't be produced.