davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-18
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. (TN)

Myself and wife had  XXXX  Federal Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX / 17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county. We  disputed with Equifax the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results. Equifax used a third party vendor for their information,  XXXX . Equifax is ignoring our  Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens a re to be deleted we find this conduct very irregular.
Consumer complaint received 2023-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

Im a XXXX for the XXXX XXXX. When i went to the hospital, i was under orders and i gave them who they should billed. They never billed the right person. Then they sold the debt, which is my personal info to a debt collector. Which is a violation of HIPPA
Consumer complaint received 2020-12-16
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts in Identity Theft. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, Transunion, and XXXX  XXXX. I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. 
Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. XXXX  XXXX XXXX Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. XXXX XXXXDate of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. XXXX XXXX-Date closed is incomplete, because it is not being reported. XXXX  XXXX Date of last payment is incomplete, because it is not being reported.
Consumer complaint received 2020-12-16
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)

Because I have been a victim of identity theft, I have acquired the most trouble in trying to sustain funds for everyday living during this COVID 19 pandemic. These unauthorized accounts have severely hindered me and my family. I am asking that all the accounts/inquiries listed in this report be removed from my credit report as soon as possible so I can provide for my family.
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I applied for a  Dreamaker Opportunity  mortgage loan with Chase Bank.     I was approved for the loan and I locked in a 4.0 % rate for 60 days in a  Lock-In Agreement. 2  weeks later, I was issued a Mortgage  Commitment Letter  which states an interest rate of 4.375 % with discount points of .375 %. The  Commitment Letter als o states that our interest rate and discount points are determined by our  Lock-In Agreement. I p ointed out to our  Loan Officer  that the rate did not state 4.0 % but he told us that it meant our rate would be 4.0 % after we paid the .375 % discount points.     This l oan officer repea tedly told me that our rate was 4.0 %.     Today, we are   two weeks before the expiration of our Lock-In Agreement and our loan officer has told us that Chase will not honor our Lock-In Agreement rate of 4.0 %.
A loan processing agent explained to us that there was a " glitch '' and that some time after our Lock-In Agreement was issued our application was bounced back and put into a conventional non   -1st time  home owner loan, which does not offer the 4.0 % rate.     This " gitch '' was never communicated to us, neither was the new 4.375 % rate, till today which  is two  weeks prior to our closing date.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been trying to make payments on my capital one credit card. On the following dates XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 Not one of these payments have went through. 
The account number and routing number are correct. 
I have tried over and over to pay these bills and now my account is closed and due to this activity my credit score have been affected tremendously. Very disappointed with Capital One. This has ruined a future for me trying to provide my family with their very first home.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX ; Experian and XXXX should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2023-05-19
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX  XXXX. XXXX. Please correct and update.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

I applied for a mortgage refinance in XX/XX/2020 through Quicken Loan 's Rocket Mortgage. The application process was very smooth and quick. We got an appraisal and were moving along quite rapidly to my delight. Then due to a deferred second lien on the home from a down payment grant when initially purchased the delays began. I then went back and forth with Quicken/Rocket numerous times trying to ensure i am not being over billed for what i owe. A reasonable consumer would not be able to understand what was happening and would very likely seen harm from this extremely terrible process. It wasn't until XX/XX/XXXX that we got to the closing table. At that time I am signing legal documents stating the amounts I, quicken and my current mortgage company agree are the amounts. It is now XX/XX/XXXX and my current mortgage has not been paid off causing me to make an additional payment when i was ensured that as long as closing was before XX/XX/XXXX i would not need to. More importantly i am presumably paying interest on 2 mortgages for 1 home. This is unacceptable and needs to be addressed. I am very sad that i continued with this company given the absolutely terrible experience i have had. Please work with them to make sure customers looking for a quick an easy process are not harmed by something hidden in the unknown.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (AZ)

This is the fifth time this year I have submitted a request for them to fix the incorrect amount that they continue to report to the credit bureau. The first three times, the fixed the issue though the fourth time they did not and once again this month they reported the incorrect loan balance due.
Consumer complaint received 2023-08-18
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. (TX)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Performance Management, LLC (TX)

I terminated my XXXX XXXX XXXX XXXX XXXX about 2 years ago when I switched form another carrier. XXXX XXXX XXXX online sales person confirmed the promotion, offered me a great deal if I switched and completely deceived me. I switched 6 lines and, from day one, started to noticed my online account piling up huge bills which continued for several months. XXXX XXXX XXXX added additional services without my authorization and promotions were not added to the account. XXXX XXXX XXXX also extended my contrct to a longer period without my knowledge while I was under a shoter term contract. I struggled to resolve issues with XXXX XXXX XXXX but got a run around each time. 

I filed complaint with Texas Attorney General and FCC which forced XXXX XXXX XXXX to contact me. The representative worked on the case and we agreed to terminate the contract with {$0.00} cost to me and nothing owed to XXXX XXXX XXXX since my original contract was fulfilled. I switched to another carrier after and have been with the other carrier for almost 2 years now. 

3 weeks ago, I started to get collection calls and also receive a collection letter and emails from " Receivable Performance Managment LLC '' which handles XXXX XXXX XXXX XXXX collections. I told them that I did not owe any money to XXXX XXXX XXXX but they kept asking me to pay.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I wrote a check from my Wells Fargo checking account to pay my Wells Fargo Visa Card for {$XXXX}. On XX/XX/XXXX this said check cleared my account for the incorrect amount of {$33.00}. I called Wells Fargo to correct the problem and they were unable to do so. To avoid late fees, I paid {$XXXX} ( the difference ) online. On XX/XX/XXXX, Wells Fargo cleared the original check payment of {$XXXX} from my checking account after I requested on a recorded line to reject the transaction. The funds were removed from my Wells Fargo checking account without my permission on XX/XX/XXXX and the {$XXXX} credits were not posted to any other of my Wells Fargo accounts. In my lengthy conversation with Wells Fargo they claimed they can not locate and credit my account the {$XXXX} duplicated payment for at least 14 days. This is out right theft from Wells Fargo Bank. The only thing Wells Fargo offered me was to start an investigation and it will take 10 to 14 days to resolve. I will have no access to the {$XXXX} funds and I will not be compensated for interest while the funds are with Wells Fargo Bank. 

Can you start an investigation on Wells Fargo Bank so that I can recover my funds and prevent this from happening to other consumers.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

I, XXXX XXXX, am writing this complaint for account ending in XXXX. This account was closed by DISCOVER, with no prior communication as to why or when this will happen. This account has been charged off- why you asking me for payments and illegally reporting inaccuracy to my credit report? You have been harassing me everyday with phone calls like clockwork. You are a debt collector calling me and harassing me violating federal law under FDCPA. You are providing false statement/representation by trying to collect amound that's already paid off ( charged off ). You are threatening to contact credit bureaus and damage my XXXX XXXX - Regarding missing payments when this card is charged off. Your attempts to collect debt that is charged off, and now you are trying to double dip and commit fraud. 

They have left numerous messages on my phone and calling me from several numbers and constantly emailing me. 

XXXX XXXX
Consumer complaint received 2023-08-18
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. (IA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This complaint is against Wells Fargo Bank. Due to a XXXX XXXX XXXX XXXX XXXX XXXX, I have been experiencing Identity Theft since XXXX XXXX. Hacked checking and savings accounts, Fraudulent Credit Cards and loans etc., have all been a part of this ordeal. Wells Fargo has by far, been the most difficult bank to work with. 
This complaint will focus on the fact that Wells Fargo states that as part of their investigation, they have determined that I opened a Flex Loan Account, and I have a {$390.00} balance, and I owe them {$390.00}. 
Wells Fargo based their determination on the following : 1 ) This account was opened on XXXX XXXX XXXX online. 
My response of course it was opened online as this is the usual course of action of identity thieves. 
2 ) Payments were made from my Wells Fargo account. 
My response : And the identity thieves also opened ( XXXX ) XXXX XXXX accounts in my name, and made payments from my Wells Fargo checking account with the goal of getting higher credit limits. When their fraudulently received monies end, and their max credit limit is reached, they then cease payments. 
3 ) Funds Disbursement were deposited in my solely owned W. Fargo checking account. 
My response : Yes the identity thieves had completely taken over my WF checking account for a lengthy period of time. While these identity thieves totally maintained my W.Fargo account, Wells Fargo treated me as if I was the identity thief. Wells Fargo was no help to me whatsoever. Countless calls, Emails, letters, ID verifications, etc., I still received no help as Wells Fargo totally shut me out of my accounts. 
Once again, this is why Wells Fargo has been voted the most hated bank in America, on many online surveys. I have consistently utilized the services of many government and private identity theft agencies- including but not limited to XXXX XXXX XXXXXXXX XXXX all in my attempts to recover from this life-altering Identity Theft experience, which I have experienced due to a XXXX XXXX Data Breach by no fault of my own!!
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

Credit reporting agency has not removed derogatory remarks on my report. Agency continues to report remarks beyond the statutory period required for removal. 

Referring to XXXX XXXX XXXX partial account number XXXX .... late payments, and XXXX XXXX XXXX. partial account number XXXX ...
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I have never experienced in my life as impossible an agency to work with as Comenity. My autopay billing never worked, I was taken off electric contact without consent, which resulted in my account reported 120 days late. I found out when refinancing for my home and this was never reported late by Comenity in form of an email, phone call, etc. I finally got a hold of a human being by the name of " Ms XXXX '' who worked a payment arrangement so that balance could be paid in full, account would be closed and no fitber charges or fees would be added. In the amount of XXXX, I made 3 payments and paid off the account, which was also closed. There has not only been no update from this individual after trying to contact her at every avail, but I somehow have a balance of {$45.00} which includes a late payment? From a closed account??? Speaking to an actual human being seems impossible, or at least one that can offer technical support. They make no offer to help but are happy to collect any bill due. They hang up on you if you ask to speak to anyone else to find out more info. I made a complaint to the XX/XX/XXXX, which closed the complaint after Comenity would each out within 30 days. They have not. They happily flagged me for being 30 days late though. I am at the end of my rope. Because it is impossible to confirm what is going on behind the scenes, I am left no choice but to raise issue with every 3rd party aganecy in hopes to make contact and repair the damage done.