davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX XXXX XXXX  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of  this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Asset Recovery Solutions, LLC (TN)

I have constantly disputed a {$17000.00} dollar debt that different companies keep selling under different names and placing on my credit. The company 's name it goes under now is Asset Recovery Solutions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. They purchased this account from XXXX  XXXX XXXX XXXX, who has also sold it to several.different companies. XXXX  reports it and damages my credit. The last company that placed this on my credit was asked to show a signed contract in which they couldn't because i never signed one.
Consumer complaint received 2023-02-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Westlake Services, LLC (CO)

Hello good evening I financed a car through Westlake, financial replacing unexpected fees, and taking money out of my bank statement account I have the statements to provide the transaction XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX I called the company see what was going on things dont match up in the end statements they have didnt help or want to retain to help me out.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

i have been dealing with Carrington. They, at this time, keep asking for more information and will start taking payment and then stop. The house and everything was supposed to be switched into my name, and then it keeps going back into my mother 's and father 's name. Then I have to go back to the first steps to get them to talk to me. But they still requested information in my parents ' names, who both passed away. 
last state showed XXXX to pay off now they want over XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXX and XXXX XXXX XXXX account number XXXX
Consumer complaint received 2017-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was approved for a loan modification on  XX/XX/XXXX   ( See letter attached ).  I completed the requested trial successfully  ( S  ee letter  dated  XX/XX/XXXX  ). I was issued final loan modification documents some time in    XXXX   XXXX   . I signed and returned those documents to Bank of America within the time allowed  ( Pa rtial copy attached as I have lost the rest of the agreement ). I then made my first regular modified payment on   XXXX   and never missed a payment until Bank of America stopped accepting my payments some time around   XXXX   XXXX  . I hired an attorney during this process to help me with the paperwork. That law firm,   XXXX    XXXX   XXXX  , told me everything was done and my loan modification was completed in   XXXX   XXXX  . Around   XXXX   XXXX   Bank of America stopped accepting my payments without notice. I returned to my attorney 's office,   XXXX   XXXX   XXXX  , and asked them to find out why my loan was having a problem. The attorney called the bank and said it was fixed and I again could make payments. I made  two more payme nts and then Bank of America stopped accepting my payments again. I returned to   XXXX   XXXX   XXXX   and I was told by the attorney that it was my fault and that I did n't fill out the paperwork correctly. The only way he would help me is if I paid him again. I had no choice and I have been paying   XXXX    XXXX   XXXX   {$500.00} per month to fix my loan. I now received a N otice of Sale  with a sale date for  XX/XX/XXXX . I called   XXXX   XXXX   XXXX   to inquire as to why I would have a sale date if they were working on my loan and the only thing I was told was that I still owed them {$500.00} for the month of   XXXX   XXXX   and if I did n't pay it they would sue me and that they would not help me unless I paid the {$500.00} immediately. Otherwise my house would foreclose. I never made any errors I was made aware of by Bank of America in returning my loan modification agreement. I never missed any payments until Bank of America stopped accepting my payments. I have never received anything from Bank of America explaining why they stopped accepting payments from me or advising me that my loan modification was either cancelled, not honored or whatever. I 've been completely in the dark and to this day I do not know why my loan modification was not honored.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you
Consumer complaint received 2022-11-28
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has viloated my federal 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Firm of Katz and Associates, PLLC (MI)

the company sued me for the debt in   XXXX   XXXX   XXXX   XXXX   XXXX   on   XX/XX/2012 . an d the debt I should not be sued because I had a case in   XXXX   XXXX   XXXX   the case was   XXXX   and I had to se rve 11 months in   XXXX  an d 5 yrs   XXXX  but I violated the felony probation and was resentenced to the   XXXX   XXXX    XXXX  in the   XXXX   XXXX   XXXX   XXXX   the law I violated is   XXXX   and I had  XXXX  previous convictions so I had t he 2yr atta ched to the 3rd NSF Checks < 100.00 but >500.00 the prosecutor filed a request for a subpoena of my bank records and came a list of the checks I wrote and this check I am being or was sued for is in my felony case the   XXXX   is the civil case and should be not sued for and was  5yrs  old when that case happened and it is no w 10yrs o ld
Consumer complaint received 2023-08-14
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. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-10-09
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. (CA)

In my most recent credit report, only SSN, XXXX account and XXXX account belong to me. Others belong to another person. I have attached an XXXX report, which is correct, hope that can help you correct my credit file. When I got my first credit card, I had no SSN and lived in the previous address, hope that could help you find my missing accounts in your system.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Ever since my mortgage transferred over fro m America 's Home Servicing Company to Wells Fargo Home mortgage several   months ago, I have been unable to log into my mortgage account. I have contacted customer service about a half dozen times and no one can help me and does not know why my mortgage account can not be accessed. I just tonight spent about 2 hours on the phone and was transferred among 6 different numbers and spoke to about 8 people, all of who either had to transfer me, due to lack of knowledge or access, or just could not figure it out. I have not had access to my online mortgage account now going on 3 months and I need to get in to review statements, tax docs, rates and other terms of my mortgage account. The last interaction I had with Wells Fargo tonight was that someone was going to put in a trouble ticket and get back to me in 10 business days. Completely unacceptable
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc. (VA)

I made an extra {$100.00} payment on XX/XX/XXXX that bounced so a hold was put on my card, even though there was no payment due at the time. I called to remove the hold and the rep told me to make a minimum payment and the hold would be removed. I made two payments, both for more than the minimum payment on XXXX and XX/XX/XXXX. The hold was still active. I called again to have the hold removed and was told by a different rep that it would come off on XX/XX/XXXX. I didnt have any payments due and had made more than my min payments. Ive been a customer less than six months. I spoke with a supervisor who was not helpful so I simply closed my account. She made no attempt to remove the restriction nor to retain my business.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

My previous employer used my personal Wells Fargo credit card without my authorization and have disappeared and no longer communicating with me and turned out to be a fraudulent company ( I did not give them my credit card information ). My fraudulent employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization/permission and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my fraudulent employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with them. I have filed a police report but Wells Fargo is still holding me responsible for the debt even after explaining to them that this was done without my authorization or me ever given permission to transfer money from my card.
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: SIMM Associates, Inc. (WA)

XXXX I received a phone call from a XXXX number but did not leave a message I did not answer it because I don't know that number today I got a phone call from a friend of mine saying that this company was calling them looking for me if it's that important and you need to talk to me leave a message on my phone which they did not do you don't call someone else that's not how that works and they also called my friend the same day that they called me on Thursday which was XX/XX/2023 they called me at before XXXX in the morning I do not know what time they called her.
Consumer complaint received 2018-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Associates, Ltd. (FL)

These collections violates the HIPAA act. I didny authorize my personal medical information to be sent to anyone without my consent. I habent received 1 bill as my insurance has paid these amounts and they appear to be duplicate acxounts.
Consumer complaint received 2017-05-05
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: EQUIFAX, INC. (PA)

Equifax has refused to remove a more than  7 year old pai d tax lien from my credit report. I have disputed at least 3 times since  XXXX , last time being  XXXX   XXXX . They sent me results stating that they have verified the information as correct. This is a violation of the FCRA.
Consumer complaint received 2023-05-23
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: ALLY FINANCIAL INC. (MD)

I sold my car at beginning XX/XX/. The new owner informed me there was lien against the car by Ally Finance per XXXX. XXXX stated an Lien Release should have been sent out. The car was paid off XXXX XX/XX/2023, I contacted ALLY Finance about the lien against the car, not receiving any paperwork stating it was paid off or Lien Release . They state they did not know why it had not been release and they would send paper by mail only. They would have to mail it taking 10- 12 business day. After waiting the informed time, I call back numerous time and was told it was sent out in the mail. An letter was received on XX/XX/2023 stating car was paid off. On XXXX, I took copy of title and letter to XXXX. I was informed the letter received was not a Lien Release. A basic letter stating car was paid off without the require Seal/Stamps and not acceptable by XXXX. I call back to ALLY Finance and they pretended to not know why this letter was unacceptable by XXXX and they would just send out another letter in 10- 12 business days. AT this point the car has been returned back to me. the tags have been return to XXXX and there is not insurance on the car. ALLY Finance has refused to provide the Lien Release for the car and XXXX is suggesting I go to another location and speak with someone about this issue, but there is no location in my area.
Consumer complaint received 2023-01-25
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. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
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 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 2023-01-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-10-17
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. (FL)

I am a victim of identity theft starting in XX/XX/2019. I viewed my Equifax credit report about a month ago, and again a day ago, and there are four ( 4-XXXX XXXX, XXXX XXXX, XXXX, XXXX ) fraud identity theft inquiries on my Equifax credit report that Equifax has failed to delete, even though the financial companies have reported to the credit reporting agencies to delete the inquiries months ago. 

I wrote to Equifax on XX/XX/2019 providing them with documentation supporting the deletion of these inquiries. I sent the paperwork using USPS Priority Mail. They received the information on XX/XX/2019 XXXX. Instead of processing my request, Equifax sent me a canned letter response requesting my personal information, which I have sent multiple times already since XX/XX/2019. What have they done with my personal information? I have previously sent them the XXXX XXXX Identity Theft Affidavit, FBI IC3 filing, and FTC identitytheft.gov filing as well. I even have a profile set up on their system with an identity theft alert. 

On XX/XX/2019 I responded to Equifax sending them my personal information ( again!! ), along with the original supporting paperwork, and a cover letter. I sent the documentation USPS Priority Mail and it was received on XX/XX/2019 XXXX. Again, Equifax sends me a canned response letter requesting my personal information!! I received this letter XX/XX/2019. What did Equifax do with my personal information and supporting paperwork that I sent to them and they received on XX/XX/2019? 

The other two ( 2 ) credit reporting agencies, XXXX  and XXXX, deleted these inquiries months ago, AND I received an acknowledgment in the mail that they had done so. But Equifax has failed to delete these four ( 4 ) fraud identity theft inquiries. 

So, in frustration, I am filing this claim wth CFPB to get this issue resolved, rather than just recieve another Equifax canned letter requesting my personal information.
Consumer complaint received 2017-05-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (GA)

My Granddaughter had me to cosign for her to go to college in Alabama. Was told that was just to help her get into school and would not cost me a thing. This was done over the internet.  Wells Far  go t ook over  XXXX  dollars out of my checking account with out my knowledge and I only found out when I started paying bills that I had borrowed the money to pay off. I almost had a break down from the loss of money and the constant phone calls. My granddaughter would not answer my phone calls and block the whole family. I am  XXXX   years old  and would like to know if I can get the money back from these crooks. I closed my account with  Wells Fargo an d will never again trust a bank or a granddaughter.    Regards   XXXX   XXXX