davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I am now more devastated it than before. I am writing to you for the second time regarding the inconsistencies of Wells Fargo. I have requested over and over again a work out plan that will benefit us all. Wells Fargo decide to now sale my home. .. Never any explanation or concern of my circumstances I requested on XX/XX/2018 that Wells Fargo review my file again and make the necessary adjustments for my wife is on a full time job. She is now on a full time job over a year. I again provide documents on XX/XX/XXXX hoping to get a resolution. I am still waiting. 
My attorney s office called Wells Fargo and spoke to the preservation dept. spoke to XXXX who transfer them to the re - entry dept.. There was no resolution .File is always in review. 
Let me summarize my unfortunate set of circumstances beyond my control which leaded me to default on my mortgage. In XXXX, I suffered a XXXX XXXX resulting in two XXXX XXXX, as a result of the injury I could not work. I was out of the job for ten months. As the head of the household there was no income coming in. My wife was the only one now working at a part time job. Not enough income to feed 7 people. I have XXXX children. Please, Please, understand that this is our only shelter. My financial situation has now improved. I have provided several financial packages to Wells Fargo to no success. They are the one to holding on to a resolution, making me incurred an outrageous balance. I have heard of the law suit against Wells Fargo similar to my own. I can provide you such. All I want is for Wells Fargo to reconsider my situation and allowed me to make payments o my house.. I need this shelter for my children. I have XXXX children as I mentioned before.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-19
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)

Experian has XXXX XXXX XXXX XXXXXXXX tx as a address on my credit report. I have never lived there and have demanded that it be removed from my report. I have asked experian how they verified it multiple times with no response. Please address this with them and get it removed.
Consumer complaint received 2024-03-19
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. (SC)

I have three hard inquiries on my credit which I did not authorize nor did I give permission to run my credit and would like them removed of my credit immediately XXXX XXXXXXXX ( XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) I also have a third party debt collector ( First financial Resources who I did not give permission to have my medical information and has obtained my information illegally and has violated HIPPA laws and would like it removed immediately as well. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX in the amount of {$11000.00}
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

XX/XX/XXXX, Borrower 's notification to Wells Fargo Home Mortgage as to their response made pursuant to Real Estate Settlement Procedures Act ( RESPA ), as to documentation of invoices paid by them to to their Attorneys as foreclosure fees and cost in the amount of {$4400.00}, which said foreclosure proceedings were commenced on XX/XX/XXXX, and full mortgage reinstatement amount of {$25000.00}, was paid on XX/XX/XXXX.. 
Accordingly, said entitled mortgage foreclosure proceedings was never completed, and their Attorney 's Validation Notice calculated Attorneys Fees and Costs to be {$2000.00}, as of XX/XX/XXXX. 
XX/XX/XXXX, Wells Fargo Home Mortgage stated in its letter, among other things, " We've determined the items [ paid invoices charged to Mortgage Account ] you requested are considered to be confidential, privileged and/or proprietary information of Wells Fargo. For this reason, we're unable to provide the documents requested. '' Moreover, Wells Fargo Home Mortgage, refuse to substantiate by documentation ( i.e., receipted and paid invoices ) as said amounts were recorded in the customer Account Activity Statements -XXXX XXXX XXXX XXXX that RESPA request issue is a service related matter in the mortgage servicing documents. ( Over-stated and unearned fees paid and charged to Borrower 's Mortgage Account )
Consumer complaint received 2023-02-02
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)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-14
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX  XXXX
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-04-21
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. (CA)

My name is XXXX XXXX, I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please take this off. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST HORIZON BANK (FL)

We went to first horizon bank XX/XX/year> because we had a {$50.00} charge we were never notified of. We updated our address with them at that time and we were told our HELOC account would automatically close as we no longer wanted it open. We then got a notification from experian XX/XX/year> for an almost {$5000.00} balance on that account. When we contacted the bank we were told it is because they didnt have proof of insurance on our house but we never received any notification that they needed this since they didnt update our address like they said they would. We happily provided proof of insurance immediately and again emphasized we want the account closed. XXXX XXXX then told my husband that he already submitted the proof of insurance and that he would correct the issue and send documents for us to sign to officially close the account and none of this happened. Several days later and we now have a delinquent account notification and our credit went from excellent to fair.
Consumer complaint received 2023-04-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (TN)

I was preapproved for a mortgage with New American XXXX on XX/XX/23 or before for a newly built home. The initial appraisal was completed on XX/XX/23 with a set closing day of XX/XX/23. I have sold my previous home, now myself and my XXXX kids are now homeless because New American XXXX didnt have the loan ready on closing day, they arent keeping me informed of the process and now I have sold my current home and they dont have a exact answer on what day I will be closing on my new home. 

I originally withdrew from it because of fear of retaliation, but this company deserves the consequences. 

This is by far the worst, unprofessional, unprepared, and irresponsible company Ive worked with. 

When my agent spoke to XXXX XXXX Friday morning they discussed compensation for my family and the focus to getting this deal funding on Friday XXXX. To no avail that timeline went through the window and the deal has just been funded today XXXX In that time my family XXXX kids had to stay in a hotel room because of issues created by your New American The lender fee in the amount of {$1600.00} because the service they were paying for clearly wasnt completed in a professional and timely manner. On top of both of those things, XXXX should also be willing to compensate for my family pain and suffering which I will leave for you to discuss with company superiors.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Currently I have an adjustable rate mortgage on my condo with Mr. Cooper. I want to know who is the investor/owner of my mortgage. The reason is that I need permission to move my condo into my revocable trust. 
Starting in XXXX, I placed several calls to Mr. Cooper. Supervisors were evasive and didn't want to give me any information about the mortgage owner or whether I could move my condo into the revocable trust. My attorney at XXXX and XXXX told me I needed permission from the mortgage holder to do so. In mid XXXX, a supervisor told me to email " XXXX '' to get the info. I did so twice and didn't hear from Mr. Cooper. About XX/XX/XXXX, I spoke to XXXX XXXX XXXX who identified the owner of the mortgage by the code- XXXX. He understood what I wanted, and said he would see if it was possible for me to move my condo into the trust. He gave me his email address, " XXXX '' or XXXX. I wrote to XXXX twice, the last email was XX/XX/XXXX. I have not heard from him. When I last spoke to XXXX, he told me he saw that all my calls were noted as well as my email attempts. I need your help to get my info and move this along.
Consumer complaint received 2018-09-13
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: CITIBANK, N.A. (CO)

I have sent multiple letters disputing the validity of this account being mine and requested CITI to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from CITI after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX XXXX CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

CITI states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with CITI from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up CITI because I NEVER had a CITI account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to XXXX, XXXX, and XXXX, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with CITI, nor have I ever had an account with CITI. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to XXXX, XXXX, and XXXX, along with any negative remarks associated with CITI, as it is severely damaging my credit file. I also request to cease & desist all communication with CITI, written and/or telecommunication.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (CA)

So in the last review it was mentioned that their was no show of me being underaged I will provide proof XXXX 2020 I was XXXX. Might I add the subscription was cancelled over the phone with XXXX XXXX Also it was no reason to keep a amusement park membership on a global pandemic. I would also like a contract with my wet signature.
Consumer complaint received 2020-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX is pursuing me for a debt that includes illegal late fees. The fees were charged against me incorrectly, plus interest and capitalized fees. I was also required to pay a capitalized fee that was not validated with me. I was not given a description of the amount of interest, principle & penalties and fees that were included in the debt lawsuit filed against me.
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-14
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. (CA)

My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX, I was given bad advice and took an interest only loan on a 2nd residence that I purchased in Arizona.

The Loan was from Nationstar, which is now called Mr. Cooper. 
The economy crashed in approximately XXXX and the property value plummeted. 
I spend countless hours on the phone with Nationstar prior to the loan coming to term. I made them aware that I was in trouble and needed help so that this property did not go into foreclosure. I tried desperately to get them to work me. 
The loan was eventually refinanced into a VARIABLE rate loan.

values continued to decline.

Interest rates and my mortgage pmt have conuinted to rise.

I was told on two separate occasions that they'd refinance it, only to be denied. 
I'm loosing $ XXXX monthly on this property .I 'm not going to be able to maintain this loss. 
I was told I had no other options but to request modification. 
XX/XX/XXXX I submitted the Uniform Borrower Assistance Form requesting a loan modification. 
I submitted HUNDREDS of pages of additional documentation. Every time I gave them what they requested they asked for something else. COMPLETE RUN-AROUND My contact at Nationstar : XXXX XXXX XX/XX/XXXX FIVE MONTHS LATER, I received a denial letter for the modification. 
Denial reason : Ineligible Mortgage I immediately contacted XXXX XXXX because I DID NOT Meet ANY of the definitions for an Ineligible Mortgage. 
She told me she could not explain why I was denied other than the reasons stated in the letter and that there was no one else I could speak too. 
I was told there was no other options. 
I have spent YEARS asking for Nationstar/Mr. Cooper to help me keep this property from going into foreclosure.

Nationstar/Mr. Cooper has refused to help me, leaving me to destroy my credit, go into short sale or foreclose, and become another statistic of the crash of the housing market.