davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit has called me repeatedly using various phone numbers over the last week. They called my husband ( also on do not call ) on XX/XX/2019 asking for me as well. 

Today XX/XX/2019 I asked for the name of the person calling - XXXX XXXX - and asked for his supervisor 's name and he refused. This XXXX XXXX kept asking me if he could record the telephone call. 

I have no outstanding debts. I have excellent credit. I have frozen my credit. There is no reason for them to call me.
Consumer complaint received 2021-11-13
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: CREDIT ACCEPTANCE CORPORATION (MD)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. The XXXX XXXX XXXX account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please remove the late payments from this account.
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

I have spoke to Wells Fargo several times regarding the escrow account they have for me. My first mortgage pays my escrow acct and they will not remove the escrow from my account and I received another bill today saying my mortgage will be increased due to the escrow.
Consumer complaint received 2022-05-20
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. (MA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLAZA HOME MORTGAGE, INC. (NC)

Plaza home mortgage is reporting us as having two late payments for XXXX/XXXX  of this year and that is incorrect I have my bank statements to prove it. They no longer own my mortgage. I paid them in a cashiers check one of those months, they claimed they lost it. A couple of weeks later after I paid them again online they cashed the missing check. This company is unprofessional and are ruining peoples lives. The amount is displayed as XXXX.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Someone had used my information to pull Hard inquiry which I had never authorized..

Experian XXXX XX/XX/2017 XXXX  XXXX   XX/XX/2017
Consumer complaint received 2019-01-31
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. (CA)

I requested from Equifax documents and proof that they did an investigation. I have requested 3 times and they have not done a proper investigation and just sent me a generic letter stating that they verified infomation that they are reporting on my credit file. they are not abiding by the laws set forth by the government. There is another person with the same name that as myself and I feel that they are reporting things to my credit that they have not done an investigation to ensure that they are reporting proper information. I requested copies of the infomation in which they are reporting and they have not sent me. 

I sent them via notorized and certified copies of my drivers license, social security card and the request for written proof that this is in fact my debt and they have not supplied this information nor have they removed it from my credit report.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Credit Beaures are refuding to delete these inquiries due to IdentityTheft!! 

XXXX XXXX  XXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I received a loan from XXXX XXXX XXXX in XX/XX/XXXX. It was immediately bought by XXXX XXXX and is serviced with RoundPoint Mortgage. They have made multiple errors in payments with my escrow account. First they paid taxes on a piece of property that is in my name, but is not covered by the mortgage I have with them. They corrected the property information on the account after months of phone calls and emails. They have recently realized that I have been over charged for my escrow in my loan. They refunded {$1600.00} at the end of XXXX. 
Instead of reducing my escrow they have decided to increase my escrow based on a random calculation. This allows them to hold {$1700.00} a year over the base cushion required in my loan. My loan requires an escrow cushion of approximately $ XXXX/year. In XXXX I had {$1600.00} over that cushion. 

Now in XXXX I will have {$1700.00} over the required cushion in my loan. No amount of phone calls and paperwork filed with RoundPoint mortgage has resolved this issue. 
In addition, I never signed a loan with RoundPoint mortgage. Why am I being forced to maintain an escrow account based on a 24 month requirement that I never agreed to? 

I have never missed a payment. I pay all my bills, credit cards included, in full every month. I have excellent credit. The escrow account should not be a requirement with RoundPoint as I never signed an agreement with them. I applied to remove the escrow due to their errors and my excellent credit, and was denied due to a 24 month requirement. 
This company has made correcting their mistakes regarding my escrow a full time job. 
HELP
Consumer complaint received 2018-04-19
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)

A fraud account was paid off that went into collections. The creditor is XXXXXXXX XXXX XXXXXXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.
Consumer complaint received 2021-11-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the PORTFOLIO RECOV ASSOC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Consumer complaint received 2021-11-13
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: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (VA)

My uncle passed away and Ive been trying to assume his home since XX/XX/XXXX. Ive been in contact with every department, Ive submitted all the required paperwork and have since been ghosted by the company. I reached out to there assumptions department in regards to the current status and what I need to do next but after multiple attempts I havent heard anything back since XX/XX/XXXX. Ive taken it upon myself to email any and everyone I can with the company ( at this point Ive emailed 14 different people ) and have not had a single response. Every time I call no one knows what the status is and says that the assumptions department doesnt have a phone number and can only be reached via email. My uncles house has been in default since XX/XX/XXXX, I told the company NUMEROUS times via telephone and email that I am willing to pay any and all arrears in full to make the payments up-to-date as long as the title can be transferred to my name. Ive been told I can sell the house ( I dont own the house so Im confused as to how they will let me sell a property that isnt mine ) I was also told that I can do a loan modification ( once again, how can you modify a loan that is not yours?? ) every person I talk to has a different answer. My contract for the assumption was submitted on XX/XX/XXXX, to which I was told was never received so I sent it again XX/XX/XXXX and finally they put it in my file. After speaking with multiple people, fighting this for weeks on end and being pushed off into department after department, I finally spoke with a woman named XXXX XXXX who told me she would be giving me a call on XX/XX/XXXX after investigating the status of the loan and I never received a call, Ive attempted to reach out to her numerous times via telephone and email with no response. Its hard enough to lose a family member, let alone a house during the holiday season. At this point Ive exhausted all my options and still dont have answers.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NC)

My name is XXXX XXXX, the email account listed on the account is XXXX. I made an online purchase in the amount of XXXX from XXXX XXXX on XX/XX/2019. The funds were debited from my account on that day. The purchase was supposed to be delivered XX/XX/2019. However, the post office said the merchandise could not be delivered and returned the purchase back to the manufacture. At that point I submitted a disputed claim with XXXX XXXX   the company listed on my card, this was done on XX/XX/2019. They took the information, however they never resolved the dispute and I am now I'm out the XXXX. How do I get this resolved
Consumer complaint received 2018-04-19
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: EQUIFAX, INC. (TX)

A fraud account was paid off that went into collections. The creditor is XXXX XXXX XXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK (CA)

Date : XXXX XXXX AmountXXXX dollars Velo by East West Bank I opened a student banking account on East West Bank 's online banking apps, XXXX. 
I deposit two cash check ( XXXX $ by XXXX and XXXX $ by XXXX ) using their app online deposit. 
Deposits have already successfully process. And it's in my balance ( XXXX $ total ) By XXXX, they froze my account and informed me they have rights closing my account without telling me any reasons. And they told me they could only process to return the money to the bank check issued. 
It has already been 3 months. They have not taken any action to return my money back and keep my account frozen. And they will not provide any other resolution to give me money back. 

XXXX! East West Bank! is holding my money with no reason for already 3 months! And they refuse to give any information.
Consumer complaint received 2018-09-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

On XX/XX/2018 I sent a letter to verify the validity of a collection account from an apartment complex I previously resided in on my Equifax/XXXX credit report. I called the original creditor to validate the claim and I sent a letter to Equifax/XXXX. The original creditor said my account information was archived and they did not have it at this moment but would contact me once those records were pulled. They never contacted me. I received a letter back from Equifax/XXXX saying they have verified the validity of the account but did not include such information with the response. Also, they have not sent me a copy of the information from the creditor to verify for myself. I have sent follow up letters subsequent to the XX/XX/XXXX request for this information and as of today XX/XX/2018 I have still not received any information from the creditor or Equifax/XXXX verifying that I owe this debt I am vehemently disputing. This is causing me terrible distress as I am willing to pay any debt that I owe but I am positive that I do NOT owe this debt.
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX, XXXXunpaid,XX/XX/2017, suspected fraud activity, my identity was stolen by someone i do not know and they created this accounts. 
reported the issue online to the social security department also filed an identity theft report online.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I reviewed my Consumer Reports and noticed that I had 24 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX  Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on MIDLAND CRED. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SVCS XXXX  Balance {$1500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I applied for a 25 year conventional mortgage from Wells Fargo to refinance my existing Wells Fargo mortgage. Wells Fargo denied the application. It appears to have denied the application based on pre-Regulation Z debt-to-income ratios. I say appears to have because it has also refused to issue me a written, detailed description of the reasons for the denial, and further refused to issue that written description in large print pursuant to the Americans with Disabilities Act. It claims that only billing statements are available in large print.
Consumer complaint received 2021-11-15
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX-Balance {$0.00} XXXX  XXXXBalance {$24.00} XXXX XXXXBalance {$0.00} DEPTEDXXXX-Balance {$2300.00} DEPTEDXXXX-XXXX****-Balance {$5300.00} XXXX XXXX-Balance {$0.00} DEPTEDXXXX-Balance {$4300.00} DEPTEDXXXX****-Balance {$10000.00} XXXX XXXX-Balance {$0.00} XXXXXXXX XXXX****-Balance {$0.00} XXXX-Balance {$18000.00} XXXX XXXX****-Balance {$0.00} XXXX XXXX  XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$690.00}
Consumer complaint received 2022-10-13
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. (FL)

In accordance with the Fair Credit Reporting act, The following companies has violated my rights. 

XXXX. XXXX  - Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX acct XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  : {$76.00} XXXX XXXX XXXXXXXX XXXX : {$810.00} XXXX & XXXX XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : {$6200.00} XXXX XXXX Balanced XXXX  : {$640.00} XXXX XXXX Balanced XXXX : {$930.00} XXXX XXXX Balanced XXXX XXXX  {$410.00} XXXX XXXX Balanced XXXX  : {$620.00} XXXX XXXX Balanced XXXX XXXX {$1100.00} 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
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I wrote to experian three different times. I asked them to remove all information that was inaccurate. I have names that are wrong, addresses that are wrong, employers that are wrong. I sent them my ID and proof of address ( utlility bill ) three times. They are not updated my personal information and it's stressing me out.