davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION (AZ)

I recently started a relationship with Regions Mortgage, because XXXX XXXX sold my mortgage to them. I setup an only account configured auto pay and reminders and noticed the XXXX payment came and figured everything was working and setup. Then I noticed that the XXXX payment didn't go through. Tried to access my online account and it's acting like I don't have an account and it doesn't recognize my loan number. I obviously still have an account because they are still sending me statements and have dinged my credit report even though XXXX setup an autopay and the XXXX payment was taken out.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have recently discovered inaccuracies in my credit report under my name, XXXX XXXX. 
Specifically, the following information/ accounts are incorrect and need to update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, the following are defined as billing errors that must be corrected : -Disagreements between the purchase price and the price shown on the bill. 
-Charges for products or services not delivered according to the agreement. 
-Mathematical errors. 
- items or entries for which more information is needed. 
I request that you conduct an investigation with the creditors mentioned above. Upon confirmation of the error, I kindly ask for its updated from my credit report. Additionally, I request that this letter be permanently included in my credit record.
Consumer complaint received 2023-07-01
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (CA)

At the time i was a delivery driver for XXXX working with XXXX XXXX now I had purchased a used XXXX XXXX XXXX financed through Ally financial, i live in California I also had a set schedule i drove for about XXXX hours a day including getting to and from work! I had told them about my job location and schedule and told them specifically that they can not call me on those days as it is illegal to talk on the phone and drive in the state of California however they only called on those days now i had told them all of this information for about 2-3 months and was getting extremely frustrated I told them to stop or i am calling the cops, they did not now at that point i was mentally and physically drained from this issue and work I told them if you call and harass me again I am going to stop paying however i am willing to renegotiate if you send a representative in person no phone no text no email no mail! In person as I consider their actions as trying to get me to commit a crime! I have also tried to call them and talk about it with them to find a solution but they put me on hold for about 30 minutes and i give up!
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CO)

XXXX is not properly reporting my balance for my Wells Fargo credit card account also they are not reporting the correct credit score to Wells Fargo my credit score is XXXX and they are reporting XXXX. And my balance on my credit card is XXXX Also I have been trying to get a credit limit increase from Wells Fargo on my credit card and because XXXX isnt reporting the correct credit score to them I keep getting denied. I want my correct credit score sent to Wells Fargo and I want Wells Fargo to increase my credit limit as much as possible hopefully to XXXX or XXXX please
Consumer complaint received 2024-04-08
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Systems,Inc. (SC)

Company contacted my direct supervisor a few times while i was working regarding my debt and has left voicemail messages for evidence. Amount owed XXXX. I have reached out to settle debt and rep is rude has hung the phone up on me, told me what kind of person does not pay there debt.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I submitted a dispute to update the inaccurate spelling of my name. I also requested to remove old addresses that are inaccurate as well. I have sent three letters and now I am submitting my complaint.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

My mortgage company, Dovenmuele, did not pay my home insurance premium. They emailed me on XX/XX/XXXX stating they were paid on XX/XX/XXXX. Today, XX/XX/XXXX, I received a past due notice with a late fee and a cancellation date. I called my insurance company in case the payment and notice crossed in the mail. They told me they received no payment. I then called the mortgage company and was told by the rep it stated it was paid XX/XX/XXXX in my file. She transferred me to the insurance dept. and I have presently been on hold for 40 minutes ( another norm with this company ). I even emailed them a reminder on XX/XX/XXXX that this premium was due, which I shouldn't have to do, but this company has been negligent before. I emailed them back and forth 6 times between XX/XX/XXXX and XX/XX/XXXX because they failed to pay my town taxes. again a late fee was assessed, which they eventually paid and apologized for, but this level of incompetence is unacceptable. I have all the emails documented. Please let me know my options. This company has been unbearable to deal with since the start. Thank you.
Consumer complaint received 2024-04-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NV)

In XXXX I paid off the balance to the XXXX apartments and with the help of CHAP when I moved out. 2 months after I moved out they put this balance of {$1300.00} that I have no knowledge of I paid off my balance now this is on my credit in collections. Also paid everything with a money order so I dont have proof unfortunately.
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MI)

Amerihome Mortgage charged me for a " gap in insurance coverage '' when in fact there was no gap. They claim that there was a gap between XX/XX/2022 and XX/XX/2022 and charged me {$29.00} even with proof of coverage.
Consumer complaint received 2020-09-30
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. (OH)

I previously submitted a police report and a FTC report for identity theft. Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX   XXXX XXXX  # XXXX XXXX XXXX
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I completed my purchase for XXXX XXXX XXXX XXXX XXXX for my son on XX/XX/XXXX for {$100.00} on the vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My order was dispatched with usps with an estimated delivery date of XX/XX/XXXX. Upon tracking my order, there was a complete hault of movement with " Awaiting scan '' being the current status. 
Order number XXXX usps tracking XXXX. 

I contacted usps to let them know on XX/XX/XXXX and XX/XX/XXXX. Usps assured me that a case would be opened for this lost parcel. I advised I want a refund to repurchase items as these were time sensitive medications. Usps advised that management would reach out to me but they never did. Usps closed the investigation on XX/XX/XXXX for no reason. 
I contacted the vendor by email and by chat on their site. The vendor never responded via email, only live chat. I will include proof of XXXX XXXX advising me to contact usps again as they shouldn't of closed the investigation without delivery. 
I advised this is not my fault as I paid for insured postage. The item never left usps. 
Live chat agent from XXXX XXXX  advised that if I opened a dispute with my bank that they will decline by saying they are helping. The vendor is not assisting as I have been the one reaching out to usps with no help or refund. I have already reordered these items as they are very important for health reasons. I just want a full refund for an item still in usps possession. 
I contacted my bank to dispute the charges and my bank states I would have to wait 30 days for a refund. 
Dispute number from citibank : XXXX Included will be photos of the purchase, tracking, my outreach to the vendor, as well as the information from the live chat agent. 

Today XX/XX/XXXX the order is still awaiting scan according to usps tracking. 
Customers should not be liable for lost or stolen packages when the postage was insured. 
I never received my goods or services. 
Obtaining medication should not be this hard. This is a XXXX that affects mostly XXXX Americans yet there is no awareness and priority. 
I told usps and the vendor that I will be reporting this issue and they said " that's fine ma'am ''.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VA)

On XX/XX/XXXX, XXXX a debt validation letter was sent to IC SYSYEM for three alleged debts for XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX F/K/A XXXX XXXX XXXX : XXXX, XXXX XXXX F/K/A XXXX XXXX XXXX. A CREDIT REPORTING REMOVAL letter was received XX/XX/XXXX stating that " they were unable to verify the information reported and have requested that any information provided to the credit reporting agencies regarding this account XXXX be deleted or removed ''. On two of three CREDIT REPORTING REMOVAL Documents that were sent one had my name spelled incorrectly as XXXX XXXX instead of XXXX XXXX that they appears on the other two documents. Shortly after receiving these documents IC SYSTEM was contacted at XXXX. I spoke to a agent who identified himself as XXXX or XXXX, who I then explained that document were received from your company stating a debt was to be removed, but my name was spelled incorrect. The agent puts me on hold to speak to his supervisor, and then comes back on the line, states that they will not send a corrected letter and then proceeds to try to collect on the debt in question of XXXX that in there own letter was admitted that they could not verify the debt. A argument erupts on the phone between myself and the agent, because of his refusal to correct the document that his company sent to me. Also to be noted the agent admitted that the document was a grammatical error, but refused to send a updated corrected version to me. The phone call ended after a few minutes of argumentative conversation with the agent saying I would receive a letter from them after I informed them that I would seek legal counsel if the matter is not corrected. Shortly after this XXXX, XXXX, XXXX  were contacted to obtain procedure for complaint against IC SYSTEM. Shortly after this CFPB was contacted to get directive on how to file a complaint.
Consumer complaint received 2020-09-30
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. (MA)

Hi, and how are you doing? 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-30
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. (MA)

Hi, and how are you doing? 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-30
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: U.S. BANCORP (MA)

Hi, and how are you doing? 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION (NJ)

SN Servicing Corporation is the worst company ever to deal with. I literally watch my statements monthly to make sure they dont do any funny business. First they added force insurance on my loan when I had home owners insurance and now they made changes to my unapplied funds that I already had paying extra payments towards my principal. No communication was ever sent out asking me or telling me anything and I have proof that they changed it on my statements. They got my unapplied funds going to a prior servicer and XXXX not even sure they are owed. Either way I want my unapplied funds to continue going to my principal cause I will be refinancing my loan to get rid of this shady company. My mortgage is paid on time and it appears they are always looking to find something wrong and they cant. I pay my mortgage, taxes and everything else. I just wish they sell my loan to another company cause they are shady and they need to be audited. Every account they service needs to be audited. I hope they do a class action suit cause I will gladly join. They never said anything about my information being breach and had people calling my phone pretending to be them but yet they can make changes to my hard earned money without telling me. STRAIGHT FRAUDS
Consumer complaint received 2023-02-20
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)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. 

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code. 

PLEASE BLOCK ALL THE ACCOUNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE THE DEBT AS MINE AND VALID. PLEASE REMOVE THE FOLLOWING NAMES, PHONE NUMBERS, ADDRESSES, EMPLOYERS AND ANY OTHER VARIATIONS THAT MAY NOT BE LISTED ON THE DOCUMENT. REFER TO ATTACHMENT 1. 

MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX, XXXX XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX MY PHONE NUMBER IS- ( XXXX ) XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX XXXX XXXX  HAPPY S