davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MD)

My husband and I bought a XXXX XXXX XXXX from XXXX XXXX which was financed by Wells fargo, fast forward back to this year the truck started having major issues and we were denied inspection approval until they were resolved, so we decided that we would try and trade in it towards another vehicle only to find out that the vehicle had structural damage, we did not get a car fax when asked for it they said bank had requested it and it was sent not sure how true that is thinking about it now. Since then we tried contacting dealership which is now closed down due to fraud, so we contacted Wells Fargo and told them that we can't use the vehicle and that in fairness they should come and get it and consider our balance on vehicle null and void. They did came and got vehicle however they sent us a notice of plan to sell property saying that because we broke our promises in our agreement they are holding a private auction to see vehicle and if sold for less than balance, then we owe them for the difference. If you were provided a car fax why would u pay for something that's permanently damaged and have us paying for it knowing eventually it will break down.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Claims Center LLC (OK)

I was contacted by XXXX by phone and e-mail on three separate occasions concerning a claim sold to his company. Mr XXXX indicated that he was attempting to collect on a debt he believed I owed to XXXX XXXX for damage caused to a gas line on my property. I informed Mr XXXX that I did not cause damage to XXXX 's gas line and that I was not going to pay a third party bill collector to satisfy damage that I am not responsible for. I advised him that these charges were applied to my account because the gas company billed it to the account associated with the property where the damage occurred. 

Today I replied to XXXX XXXX e-mail and told him who I thought caused the alleged damages as he requested based on photos he sent me of a vehicle that hit a line causing the damage. I told him it was not my vehicle and I was not the responsible party. He became abusive in his language and threatened to sue me personally. I made it clear to him on multiple occasions and in writing today that he was attempting to collect a debit in error. 

He stated that he would continue to call every 5 days until I admitted to the charges and paid his company the debit balance and {$150.00} to collect the debit or they would file suit and incurr additional legal fees. He said I was responsible for tracking down the person or persons who did cause the debt. He also stated that I could then sue to recoup the {$150.00} in fees, {$1200.00} in damages and {$2000.00} in threatened legal fees from the responsible party after I paid his company.
Consumer complaint received 2023-11-30
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: EQUIFAX, INC. (NC)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXXXXXX Balance : {$750.00}
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I provided Statements from the Credit Card company showing the date of my first delinquency ( in XX/XX/XXXX and another in XX/XX/XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XX/XX/XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XX/XX/XXXX and XX/XX/XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my report.
Consumer complaint received 2022-11-12
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. (NC)

I am a natural flesh and blood human being having rights under15 USC 1681.

Equifax is governed by 15 USC 1681. Equifax has violated my rights numerous of times. 

According to 15USC 1681 : I have the right to Privacy, which I did not grant Equifax WRITTEN permission to furnish these accounts. 

Accounts 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 2023-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (AL)

During COVID, I took advantage of the forbearance because XXXX am a XXXX and our industry was shut down. When my forbearance ended, Flagstar told me that I had to pay the balance in full that was owed before they would allow me to begin my normal payments. I started the process of taking out a personal loan to pay this amount, but since work was open again I continued to try and make payments to Flagstar and continued to show them the proof of the loan I was getting to pay the amount for the forbearance. Flagstar told me that I would have needed to fill out a form to extend the forbearance, but they waited until I had tried numerous times to make my payment. I asked them to send me the form. They never sent it. They claimed to have mailed it and on every occasion I never got it. ( today they seem to have an online application, but this was clearly not available during this time ). As I continued to try and make my payments, they continued to refuse my payments and tell me I needed to fill the form out and then continued to NOT send me the form. This went on for a long time. They were reporting late to my credit report and thats ridiculous. The forbearance was set up to help us when our entire industry was shut down. I was in the process of getting the funds to pay in full, but they could have begun taking payments outside of that. I know that they did this for a family member of mine! Now my credit has taken a hit and it is showing on my report. The entire time, the whole process ( even before ) was chaos and no one ever knew what was going on or what needed to be done. This has penalized me as a customer. COVID was not my fault, I was taking advantage of relief that was offered and we all know that the mortgage companies were getting help too, so why is it ok for me to be impacted when I was trying to make payments and was never explained the process before hand. Had they told me that I would need to pay the full amount at the end before they would accept anything from me, I would have asked family to borrow money or something and wouldnt have done the forbearance because in the end, it hurt me. It did not help me. This is predatory.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (DC)

I closed / settled on my mortgage two weeks ago and they haven't funded the loan ( sent me the mortgage ). I have emailed ( 5-7 times ), called ( 3-4 times ), left a messages and voicemail with a manager. Nobody is trying to fund the loan ... it doesn't seem to be anybody 's priority, which is mind boggling. I'm confused because I've had a mortgage before and the money was send that day ( or maybe the next day ).
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (FL)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$66.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$190.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-07-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (TX)

On XX/XX/2019 I contacted Home Loan Serv Idaho as i received the Escrow analysis from them and they said i was Short {$1600.00}. I have called several times. the 1st time they explained that it was my home insurance with XXXX XXXX that it was the Windstorm. Once i contacted XXXX XXXX i was told that windstorm was excluded form my policy. Then I was told it was my separate windstorm policy. When i called them they told me it was paid at closing and i received a receipt from my agent. The 3rd time i called i wanted an itemized explanation of why i had such a high shortage. The lady that was on the phone was very upset because i had answers for everything no two people have said the same thing. And they keep saying it was explained the time i called before and it has not. They told me they were going to sent me the escrow payment history from the beginning and they have not. i emailed them a formal complaint asking for many things and there response was i had already been talked to over the phone. They can not clearly tell me what the shortage is and my taxes have gone down {$500.00} dollars. They are trying to up my mortgage almost {$200.00} for 12 months and they will not tell me why. And the emails refer to phone conversations after they have been hanging up on me. Please help me in this matter. These people have my house payment and will not even talk or email any information. Thank you
Consumer complaint received 2022-11-12
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: NCB Management Services Inc. (IL)

NCB management has been report wrongful information over several months to XXXX if after being deleted from both XXXX and XXXX credit report. This is ground for removal.
Consumer complaint received 2019-12-11
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: Early Warning Services, LLC (NY)

There are three fraudulent accounts listed on my Early Warning Services consumer. I have contacted Early Warning Services to have this information as a result of identity theft removed and have not received any response back. 

Early Warning Services is not allowing me to place a fraud alert on my credit report with them. They are telling me they are a consumer reporting agency and are not obligated to do so. 

Early Warning Services will not provide me with the addresses and contact information for XXXX or XXXX XXXX XXXX XXXX to contact them to have the fraudulent information removed from my report. 

I have attached copies of all relevant documents to this complaint including copies of the front and back of my NYSID with my current address along with my SSA card for ID verification. 

I discovered my identity was stolen in XX/XX/2017. I have attached confirmations of identity theft after formal investigations by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-02-24
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX  Balance : {$7500.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX  ) XXXX Balance : {$3900.00} ; U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX  ) XXXX Balance : {$7100.00} ; U S DEPT OF EDXXXX ( Original creditoXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; U S DEPT OF ED/XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$4000.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX  ) XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1800.00} ; XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2019-12-11
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bass & Associates, P.C., Attorneys at Law (TX)

On XX/XX/2019, I sent US Dept of Education/ Bass & Associates , P..C. a notice of breach of agreement. This company disregarded the letter and sent back a response of notice of intent to garnish. I specifically asked them to answer all 6 questions to no avail. This is a violation of the FCRA/FDCPA. I do not have a contract with this company and they havent produced the information that Ive asked for along with my wet ink signature.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MS)

All of XXXX and XXXX up till XX/XX/XXXX was consistently over drawn account and doing a process they called reordering or something to where they would show a certain amount in my account ( and I only used my debit card except for my mortgage ) then the next day show me with an overdrawn account and this happened almost every month sometime if I got hostile they would credit a few fees but maninly told me this was there practice and it was nothing I could do about it, overdrawn account so bad that when I left my job in XX/XX/XXXX I had to change banks it was the worst experience ever and I still owe them around XXXXXXXX XXXX because of this issue
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I closed the account with Capital One over 4 months ago and recently found out the account was never closed and it had a annual payment which came due while I had thought it was closed. Because the account showed that it was still open they were looking for a minimum payment as well as charging interest. I recently purchased a car and used Capital One as the lender. This is when I was notified that this account was still open. I contacted Capital One and notified them of this issue and they agreed that it was a mistake and sent me {$49.00} check showing that there was a balance on the account when it was closed. In order to get it removed from my credit report my lender was requesting that Capital one stated that the account was not past due and both letters I received did not exactly state that so it is still hurting my credit by 50 to 100 points.
Consumer complaint received 2019-12-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Troubled PHH mortgage sent me an early crooked XXXX intervention letter gift dated, XX/XX/2019, explaining how they want to help me save my home when my loan is current and not in default. Setting aside all the evidence I have about other issues I am demanding that the troubled loan servicer stop targeting me with its abusing loan servicing practices.
Consumer complaint received 2019-12-11
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. (VA)

On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my XXXX online account and saw that it hadn't been paid yet for that month. XXXX always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.
Consumer complaint received 2019-12-11
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. (VA)

On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my XXXX  online account and saw that it hadn't been paid yet for that month. XXXX  always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.