davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MD)

To Whom It May Concern, Upon reviewing my credit report, I became aware that Wells Fargo reported to the credit bureaus that I had a balance of {$11000.00} that has been reported delinquent. On XX/XX/XXXX, I mailed a credit dispute letter to Wells Fargo Credit Bureau Dispute Resolution requesting for copies of payment agreements, lateness, delinquency for the associated account. Sometime after XX/XX/XXXX, I received a response from Wells Fargo Credit Dispute Resolution dated XX/XX/XXXX, which stated they needed further information to investigate this dispute. On XX/XX/XXXX, I contacted Wells Fargo Credit Dispute Resolution and spoke to a representative who provided an account number and also advised that the account should read as settled in full with a XXXX balance. I proceeded to fax another credit dispute letter with the new information on XX/XX/XXXX. On XX/XX/XXXX, I again contacted Wells Fargo Credit Dispute to follow up on the investigation. ( 35 days after XX/XX/XXXX ). On that day, I was forwarded to the Executive Office and filed a complaint since I have not receive any additional correspondence since XX/XX/XXXX. The representative who took my information advised that someone would contact me in two business days. On XX/XX/XXXX, I received an email from the executive office, who advised that they have received the complaint and would investigate the complaint and have some results by XX/XX/XXXX. I then spoke to a manager of the Executive Office who assured me that this investigation would be completed and I would receive correspondence via email. As of XX/XX/XXXX, I have not received any correspondence via email or telephone from the Executive Office of Wells Fargo. Now 64 days from XX/XX/XXXX to present day and 95 days after the original dispute letter that was dated on XX/XX/XXXX.
Consumer complaint received 2020-04-03
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called the IRS and took measures into my own hands. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report.
Consumer complaint received 2020-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

XXXX XXXX gave my account to a collection agency. I never received any correspondence about an overdue bill. Neither XXXX XXXX nor the collection agency sent me any emails. They claim that the USPS returned the correspondence. XXXX XXXX placed the collection record on my credit report with the 3 agancies and this downgrade my credit score,  which is now costing me money. This was the final bill for a property that we sold. We filed a change a forwarding address with the USPS.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

According to the Fair Credit Reporting account, XXXX Account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b. A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (TX)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The name of the company is called XXXX XXXX XXXX however they show up on my XXXX and transunion report as XXXX XXXX XXXX. THEY ARE REPORTING ON BOTH MY XXXX AND TRANSUNION THAT MY ORIGINAL BALANCE FOR MY LOAN IS XXXX. They are currently reporting that I still owe XXXX and that my last payment was in XXXX. This is deceptive/ incorrect information as I pay them $ 366 monthly and have paid in full as of XXXX, XXXX AND XXXX. $ XXXX. Which means I current owe {$94.00} and this needs to be reflected on both reports immediately. The payments are on autopay every two weeks. This company is very deceptive, unprofessional and shady, Ive asked to speak to supervisors on XX/XX/2022 and was told I can only speak to one supervisor per day. This company has also taken money from my account without my permission and then told me I had to wait 3-5 business days after theyve taken money from me. Please update my credit report correctly.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I've been attempting to get the inaccurate information being reported by Experian removed from by report. XXXX  and XXXX  has revolved this matter without any issues and have updated this information of my credit report. I've submitted proof that these public records being reported by Experian have been unverifiable, also requested information used to confirm this information reported by Experian as accurate. This company has neglected by previous request and have violated the FCRA as they have not been able to provide this information as requested on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I'm simply requesting that this information be removed as they've violated Federal law. Experian has yet to provide any supporting documents as requested due to the fact that this information is being reported inaccurately by them and is impacting my ability to gain credit and financing for my dream home. 
BANKRUPTCY CASE # XXXX BANKRUPTCY CASE # XXXX
Consumer complaint received 2022-11-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (OH)

In XXXX of XXXX, I was effected by XXXX, so I put my mortgage into forbearance in XX/XX/XXXX. 

This year ( XXXX ) I was able to fully recover and recoup my finances to begin paying on my mortgage. After being told by many reps from XXXX XXXX XXXX ( Dovenmuehle ) to just start paying my mortgage, they began foreclosure proceedings. I contacted their Loss Mitigation department and began XXXX paperwork to save my home. I provided all the necessary paperwork but was continually told to provide bank statement after bank statement and HOA paperwork again and again. They continued with foreclosure even though I was in loss mitigation. With help from the VA, I was able to obtain a loan modification. I signed and had notorized the loan paperwork sent to me from XXXX XXXX XXXX/Dovenmuehle and returned it. The VA is in possession of the documents. The loan modification began on XX/XX/XXXX. I have made XXXX and XXXX payments. Dovenmuehle has continued with the foreclosure and served papers to my home. In XXXX Dovenmuehle sent notice that my escrow account is deficient and based it on the principle prior to the loan modification. This has all taken place despite having entered into a loan modification. Dovenmuehle has entered into a loan XXXX, continues to process the foreclosure, is accepting my new loan payment amount, and is adjusting my escrow according to the old loan principle and interest.
Consumer complaint received 2020-04-03
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 (TX)

I paid off XXXX  XXXX  XXXX. And XXXX  lowered my score. 

I still see old info from Wells Fargo that I have not made payments. Idiots! It is paid off! Title is in there as proof! 

XXXX  lowered my scores many times lately. 

XXXX  accused me for not making any payments when I already had paid on time using autopay with XXXX. Insurance policy was changed from XXXX  to XXXX. XXXX  accused me for not paying anything. 

XXXX  so lowered my score after XXXX  SUGGESTED ME TO use their matched credit card to boost my score. It backfired and then XXXX  lowered my scores way down! XXXX off!
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (TX)

Same companies I am complaining against. U dont allow uploading some more pics as proofs. 

I did pay more and did pay on time. I was never late except once in 2018 and did inform XXXX XXXX ahead of time. 

I even recently paid it off but XXXX XXXX did not report or Experian Credit Bureau careless to update! 

XXXX XXXX XXXX owes me!!! I paid off but they do owe me from too much payments from too many interest rate and charge rate when I was on time 90 %!
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Due to the Covid19 emergency I called Select Portfolio Services to ask them for possible options to make payments because I stopped working 3 weeks ago ( I was in an overseas trip ) and Florida 's governor placed a ban to XXXX XXXX XXXX until XX/XX/XXXX. They said, " we are here to help, your option, stop payments for 3 months, interest will be charged and after those 3 months you have to pay 4 months at once. What do you think? '' What Do I think? I called them because I'm not working, I've never had a late payment. If I have the money I would not be calling. I won't receive money form the Trump 's Bailout but they will, why?.
Consumer complaint received 2024-02-26
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. (CO)

I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by EXPERIAN. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX XXXX, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures.
Consumer complaint received 2020-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

We build a house last year and moved in at the end of XXXX. Fast forward to XXXX when we get a letter from XXXX XXXX XXXX that our escrow payment would be going up by {$350.00} a month beginning in XXXX due to a {$4200.00} shortage in our escrow account. I called them on XXXX XXXX, XXXX to see what happened because I found it hard to believe that someone grossly miscalculated our escrow amount at closing by over {$4000.00}. I spoke with a woman who looked into it and noticed that our water tax and county tax were listed as they exact same amount : {$2900.00}. She said there was no way that those two were exactly the same and she put me on hold so she could get with a manager. She came back and said whoever did our escrow analysis made a mistake and she requested a re-analysis be done. She advised me not to make our XXXX payment as the numbers would completely change when they completed the re-analysis. After that, I called weekly to get an update as I saw the analysis had not been redone. I was always told it would be done by the end of the week. I was even told once that I needed to get a water tax statement so they could update it. I then called both our XXXX District and the XXXX County Tax Office and they both informed me that since our house has not been appraised by the county yet, that no XXXX tax documents had been sent out or even generated as they are waiting on the appraisal. This means that {$2900.00} didn't come from any official county documentation and it has not even been paid yet as there is nothing to pay. When I spoke with a supervisor XX/XX/XXXX, I was told the analysis had a close date of XX/XX/XXXX. XX/XX/XXXX comes around and still no analysis. I call again XX/XX/XXXX and speak to a supervisor once more. He lets me know that there was a note from XX/XX/XXXX saying they spoke with the county and that our house doesn't have a certified valuation for XXXX and that he was not sure why they hadn't done anything since they found that out. I have since found out from numerous mortgage brokers that they are not allowed to pad escrow when there are not official county tax documents to back that amount up. I get nowhere when I call these people. No one wants to take the initiative to fix my problem and I will not be stuck paying an extra {$350.00} a month due to their mistake and blatant disregard for general mortgage policies.
Consumer complaint received 2020-04-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

I contacted the Collections department to try to resolve my debt. First my calls kept being transferred over and over and I kept being hung up on or sent to a full voice mail with no resolution or a chance to talk to anyone. I finally got ahold of a representative and asked if my late fee could be waived as I am aware of other individuals who have had their late fee waived by this same company. The representative transferred me to her Supervisor name XXXX ( who said his Managers name is XXXX but refused to let me leave a message for him ). I was politely asking if my late fee could be waived and he started to raise his voice and talk down to me in a demeaning manner. I told him he did not need to talk to me that way but he just kept talking down to me when I was simply asking about having a late fee waived to be able to bring my account current. He then said he was going to hang up on me and end the call because he did not want to answer my questions. There is no reason why any company specially a Supervisor needs to talk to customers in a demeaning way. We are all going through a hard time right now with the Covid -19 issue, XXXX could have tried to be more helpful and understanding. What kind of company allows their employees to talk to customers in that manner?
Consumer complaint received 2022-12-28
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-05
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  - XXXX ) XXXX Balance : {$300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have my credit frozen with all three credit rating organizations. I put in the wrong password in with Experian and now my account is not only frozen, it is also locked. I am unable to get the information I need or speak with someone at Experian to get this situation resolved.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc. (AR)

XXXX DID IT AGAIN, IT MUST BE FROM CORONA? THEY MISS REPORTED BALANCE OWED TO ALL BUREAUS FROM {$4.00}, XXXX TO {$43.00}, XXXX ON XX/XX/2020. THIS WAS DONE ON PURPOSE. THIS ACCBA.OUNT IS HEREBY DISPUTED UNDER THE FCBA OR F
Consumer complaint received 2022-11-05
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX - XXXX ) XXXX Balance : {$300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (VA)

Earlier this year, I applied for two different products that CreditKarma promoted me as having " Outstanding Approval Odds, or we'll give you a {$50.00} payment if not approved. 

On XX/XX/2022, I received an email from CreditKarma regarding a {$100.00} incentive that I would received. CreditKarma had been promoting that if you apply for a credit card or loan where you had " Outstanding Approval Odds, '' you would receive a {$50.00} payment/bonus. 

For the last two months, I've been given the run around. See attached. For two months CreditKarma has told me that my case is being reviewed with the " Promotions '' team.

To date, I have received one, {$50.00} payment, but not the 2nd. In addition, that check indicated that it was for " Account Closure, '' which is a complete lie. In fact, my CreditKarma spend account is still open to this date.
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2020 To whom he may concern, Sadly I am reaching because chase is overdraft fees again, From XX/XX/ 2020 to today Chase bank charged me 18 overdraft fees at {$34.00} total {$610.00}. 

When I contacted Chase in XXXX and explained that due to being unemployed, also chase some mistake like charged me while I was overdrawn their fee ( I am not supposed to have, was promised to me when I open the count few yrs ago and I fight chase about few time they take the monthly off and always put it back. I got tired and just pay for it XXXX. 

Also I have text alert when I am overdrawn which will be allow me to make deposit immediately but somehow that has not been working and I think I am low balance until chase send me messages saying that I am overdrawn and I have to pay their fees. 

Because per a supervisor ( very rude ) they refunded me XXXX this yr so doesnt matter bank error or not I have to pay the overdraft fee. 

Overdraft fees should be high up to {$34.00} Bank have limit of how many time they refunded doesnt matter is bank error or not. 
Wheres the customer is right? 
The only thing is the text or email alert and my case I dont receive them until they assess their fee. 
Unemployed I was doing XXXX job to pay my bills and company check balanced on me create overdraft that kept be keeping following behind and create more overdraft. 
Someone that have disconnection notice in all her bills, has to pay {$610.00} to the bank for fees. 
Banks is greed kept me broke and under pressure the last 3 months.
Consumer complaint received 2022-12-28
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. (FL)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly discard the following accounts immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX