davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (TX)

XXXX XXXX I received this letter from this company about a debt that they perceive is owed, I sent them a letter stating that I want proof of this debt based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I sent the letter certified and they refused to accept and sent me back my letter of dispute.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a wrong name and numerous wrong addresses on my credit report such as XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone numbers XXXX XXXX, XXXX, and XXXX XXXX, XXXX XXXX are not my names numbers or addresses.
Consumer complaint received 2021-10-09
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. (GA)

XX/XX/2021 : Mailed a certified letter using the United States Postal Service requesting debt validation from XXXX. XXXX for account number XXXX ( documents pg. 1 ) ////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Debt Validation Letter received ( documents pg. 1 ) //////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Received Feedback from XXXX XXXX and XXXX. XXXX XXXX provided no proof of debt and XXXX XXXX indicates that : " We are terminating further collection efforts ... '' ( documents pg. 2 ) //////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Put in a dispute with Experian to have the debt removed from collections report number XXXX ( documents pg. 3 ) ////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Experian responds that even though there is clear paperwork indicating that XXXX XXXX was terminating further collection that they were going to continue further collection?? ( documents pg. 4 ) ////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Resolution : The resolution is clear as it is in the paperwork provided to me, that I provided to Experian, and now providing to Consumer Finance. This debt is not mine, it never was which is why it was removed from both XXXX AND XXXX!! XXXX XXXX hasn't provided any proof that this is my debt and XXXX XXXX typed that it will no longer try to collect on this debt. Honor what was written or I will absolutely seek legal counsel and sue XXXX XXXX, XXXX XXXX, AND Experian!
Consumer complaint received 2021-10-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

I submit my mortgage payments to Rocket Mortgage electronically. In XX/XX/2021, I submitted the payment electronically but was told I used the wrong account. I was charged a late fee of {$50.00} TWICE ( XX/XX/XXXX and XXXX ) for a total of {$100.00}. The company stated the issue occurred in XXXX but I was not notified via mail nor did it show on up the electronic statement until XXXX, 2021. The total in fees was {$100.00}, and due to flaws in their online system I was FORCED to pay the fee with when paying my XXXX mortgage. I changed the checking account from XXXX to XXXX in XXXX, BUT I believe when the company updated their system in XXXX ( changed from Quicken to Rocket ) they changed it back to XXXX. Rocket states it was NOT their fault but rather their service provider XXXX. I asked Rocket for documentation which states a {$50.00} fee would be charged for 2 presentations of NSF electronic payment but as of today - XX/XX/XXXX, I have yet to receive it. Rocket told me to check with my bank but if the bank was XXXX, that would be impossible because that account was closed in XXXX. Rocket Mortgage does not have any information on Fees charged for electronic NSF on their website and I have requested that multiple times of the past 45 days. I feel the fees were excessive and the response and lack of fee documentation unacceptable, especially the 2 month delay in the fees appears on the electronic statement ( email communication went to spam and Rocket claims I entered the wrong mailing address ).
Consumer complaint received 2021-10-10
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. (CO)

" XXXX XXXX, Thank you for submitting an application for a loan on XX/XX/2021. We truly value your business. 

After carefully reviewing your application, we are sorry to advise you that we can not provide a loan to you at this time. Our credit decision was based in whole or part on information obtained from an outside source other than a consumer reporting agency. If you would like a statement of specific reasons why your application was denied, please write Customer Support at the address below within 60 days of the date of this email. We will provide you with the statement of reasons within 30 days after receiving your request. " I received this email tonight about a loan application that I never authorized as well as a credit check that was never authorized. I did many months ago take out and pay off a loan from this company and have since been solicited to constantly via email, phone, and text. Now they are running my credit without my approval.
Consumer complaint received 2021-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

30 days ago I noticed errors on my credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter for which I still havent heard a response.
Consumer complaint received 2021-10-09
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: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-09
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. (GA)

XXXX and Experian are still reporting a fraudulent account from XXXX XXXX XXXX  that I have disputed numerous times. They claim it has been verified by the source, but if that was true why did XXXX delete it for not being verified. If they verified it with the same source, they should get the same results. This is unlawful! I have a right to privacy, a right to only have accurate information report on me and if a social security number was used to pay for this loan, then this is a consumer credit transaction and it is fraudulent to collect on something that is already paid in full.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc (TX)

On XX/XX/2021, I received an email from XXXX stating that a background check was completed and it was found that I have an expired drivers license which could cause me to lose access the XXXX app. The email also stated that my sign up eligibility would be determined within a few days. I was provided a link to the consumer reporting agency Checkr to view my report. On the report provided by Checkr, it shows that my drivers license expired on XX/XX/2021 which is incorrect. What actually happened on XX/XX/2021 is my XXXX  drivers license was surrendered for a XXXX  drivers license. My XXXX  drivers license never expired. This information should have been updated instead of being falsely reported that it expired. Just in case any other false claims are made by Checkr, I must add that I was issued a new XXXX  drivers license on XX/XX/2021 with a new issue date due to updating my mailing address. On XX/XX/2021 I received an email from XXXX stating that they have decided to decline my access to the XXXX app based on the information provided on the consumer report provided by Checkr. They stated the specific information used to make their decision was the expiration date of XX/XX/2021. XXXX is how I make my money. When I lost access to the app, I lost apart of my livelihood. Bills are paid with this gig.
Consumer complaint received 2021-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

I am resubmitting my complaint for overcharge of escrow through modification. 
1 ) XXXX XXXX XXXX form list XXXX for taxes. Taxes paid were XXXX and penalty was XXXX which totaled XXXX. 
2 ) 0n bottom of form they show XXXX For escrow advance. 
3 ) XXXX XXXX form shows escrow being XXXX negative XXXX tax receipt clearly shows a total of XXXX as total money received. 
4 ) letter dated XX/XX/XXXX clearly shows the XXXX of escrow being paid 2 Which was not the case. 
5 ) in XXXX we were charged for escrow 3 times. 
6 ) letter of XX/XX/XXXX also show we paid XXXX for escrow through our modification of XXXX. 
7 ) also escrow breakdown statement shows we were overcharged XXXX for escrow 8 ) this overcharge of XXXX plus XXXX penalty was incorporated in our XXXX modification which has also accrued interest on for 11 years.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

In XXXX of 2020 i checked my home depot account issued by citi XXXX and saw that i had a late payment fee on my account. I explained to the representative that i thought the payment was made already. The representative then had me make a payment and the rep had me set up auto pay to prevent this from happening again. The representative gave me a credit for the late fee and gave me an amount of {$93.00} to pay when combined with the credit gave me a zero balance. The rep told me that any negative info would be removed from my credit report. As of XXXX it wasn't removed yet so i called back and another representative told me this should have been removed already. They sent me a letter confirming that my report would be corrected. As of XXXX it was still on my report so i called the executive office trying to get some help for this situation. The executive office did not help and also told me that they made a mistake sending me this letter. Also XXXX in the executive office said in a letter that i didn't make the required minimum payment of {$100.00} which made my payment short. I tried to tell her that the rep gave me a credit and told me the exact amount to pay which brought my account balance to XXXX. They told me over the phone numerous times and sent a letter saying that my report would be corrected. XXXX acknowledged that citi home depot sent me a letter stating this info. I also sent an email to the citi ceo XXXX XXXX but the executive office whi i already tried to get to help me responded to the email and again didn't offer any assistance.This has caused me a lot of stress, anxiety and financial ramifications due to this situation.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft I, I recently put in a complaint for this same problem, and Bank of America regulatory complaints, help out with the investigation and said it was resolved and closed. It started claim ending in XXXX was resolved in my favor and funds will added to the account. That was XXXX it is XXXX and I have received no credits to my account. Now I called and they said it was closed but not in my favor so Im confused
Consumer complaint received 2021-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. ()

I was on forbearance with Chase which expired in XXXX, they didnt go over my options until no that is over. My understanding was that my unpaid payments could be added at end of my mortgage, until now they are also telling me that my mortgage is a 40 years I didnt even know that from my modification I did over fours year ago. They never advised me or send any documents only a letter stating I was approved and my new mortgage payment. They are asking for me to pay {$13000.00} upfront after exiting forbearance I advise them I cant afford this amount and why cant they just work with me making double monthly payments until I pay forbearance amount off. I just started a new job in XXXX and can afford making double mortgage payments. They dont want to work with me at all. Please advise, I dont want to lose my house
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2021 I received an email from Wells Fargo letting me know they were closing my deposit account. I initially thought the email was spam, but I do have a credit card with Wells Fargo so on XX/XX/2021 I called to inquire as to what the email was in regards to. I was told that a deposit account was opened approximately the first part of XXXX and the fraud department flagged it, then decided to close it. Upon further investigation with Wells Fargo it was discovered that Wells Fargo had linked the fraudulent bank account to my credit card since the SS numbers matched. This fraudulent bank account was opened with the wrong information but since the SS numbers matched they linked them together. Wells Fargo put a hard hold on the checking account on XX/XX/2021 but also restricted my credit card so I was unable to use it and also unable to close the card and have a new one issued. After several days of trying to get to the correct department at Wells Fargo to get the restriction lifted on my credit card I was able to reach them on XX/XX/2021. I asked them to lift the restriction on the credit card, when they did, they also lifted the hard hold on fraudulent bank account since they were linked together. At that time I requested the credit card and fraudulent bank account be closed immediately. I was told if I closed the credit card with Wells Fargo I would not ever be eligible for credit with them in the future. That's perfectly fine with me, why would I? I spent in total over 6 hours on the phone with Wells Fargo trying to get this rectified. I have been told the card is cancelled and the fraud report can take up to 30 days to clear. They said I will receive notice by mail once all is settled. I have filed a police report as well froze my SS number and placed fraud alerts at all 3 credit reporting agencies.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (TN)

I opened the account with XXXX ( owned by XXXX XXXX/netspend ) since last XXXX, from the start, the bank service was horrible. Unreachable customer service, extremely long hold on the phone, and non responsive email communications. On top of that, the access to my account was inconsistent. Frequently with no reason at all they lock my account and force me to call them, but every time i called, after long hold they transferred me back and forth and give me a run around. On XX/XX/XXXX they locked my account again and when i called they asked me to send them my social security card and my picture ID, which i did. Then on XX/XX/XXXX asked me to send proof of my address, which i furnished with my 2020 year end 1099 tax form on the same day. Following week i heard nothing from them despite their 24 hour turn-around promise and my repeated email inquiries. Finally on XX/XX/XXXX they responded to my phone call and told me they finished reviewing of my documents and my account was unlocked. 
However, on XX/XX/XXXX, my account was locked again, and when i called them they told me the proof of address ( my tax form ) that i sent them on XX/XX/XXXX was not accepted. They claimed the picture needs to show all 4 corners. So on XX/XX/XXXX i resent them my social security card, my picture ID, my 2020 1099 tax form from them ( XXXX ) and my XX/XX/XXXX mail from XXXX which all showing my name and mailing address. I received their email acknowledging the receiving of the documents and again promise of 24 hour turn around. Today is XX/XX/XXXX an i still haven't heard from them and my account is still locked. I haven't been able to access to my money for more than a week now. This is unacceptable.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

Im filling a complaint because I'm a victim of identity theft. I have already notified XXXX and the creditors. They have yet to remove these accounts. I noticed unauthorized credit card and an address on my credit report. I looked at my credit and discovered accounts under my name that I have never applied for or authorized. Therefor they are fraudulent. These accounts include. 

XXXX Accounts : XXXX XXXX  XXXX WELLS FARGO BANK XXXX WF CRD SVC XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TX)

Description of Complaint : This is about a lightly used credit card. I accepted an offer on XX/XX/2020 to transfer {$5700.00} in balances from other credit cards to my wells fargo card ( and pay a {$230.00} fee for doing so ) in exchange for no interest for a year or so. On XX/XX/XXXX, I made a {$3700.00} payment ( no purchases in the mean time ) because we were purchasing a house and I was advised that making this payment would significantly reduce the interest rate on my new home loan. My remaining balance was {$2200.00} with minimum required monthly payment of {$25.00}, which was set up on auto pay from my bank account. I was not aware of the interest charge because the account is set up on auto bill and I was not using the account. Later this summer, my wife inadvertently charged our lawn mowing service to this card. l immediately contacted Wells Fargo to determine the amount of payment I needed to make to continue to avoid interest and they could not tell me. It was then that I discovered they had been charging me interest since I made the large payment in XXXX!!!! I have made payments and they continue to charge me interest. Called several times, keep getting put on hold and hung up on. No one can even tell me why this has happened.