davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (MO)

I have noticed that XXXX XXXX XXXX have placed an inquiry on my EQUIFAX and XXXX credit file dated XX/XX/2020. On multiple occasions I requested XXXX  XXXX XXXX, EQUIFAX and XXXX to verify these inquiries. They have yet to do so.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 2022-01-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Around XX/XX/XXXX XXXX deferred my mortgage payments during COVID after speaking with my previous VA representative. I extended the deferment until around XX/XX/XXXX. My VA rep had told me to request a loan modification, so I call Wells Fargo to begin the process before the deferment ended. I explained to the WF rep that I needed my payments lowered due to my home insurance and my property taxes both going up during the previous year. I did not hear from anyone for several weeks, when I did get a phone call it was from XXXX, a WF employee. The voicemails were the same ( see attached ), telling me my loan was still with an underwriter and to call if I had any questions or comments. I did not call because I had neither. Finally, in XXXX, XXXX XXXX left a msg. for me to call her, I did within about 24 hrs. XXXX informed me my mtg. was going to be about {$20.00} higher than before, I explained again that I needed it lowered, not raised. When I spoke to the VA I had a new rep who told me I did not have to accept the offer and that there were a couple of other options as well. During this time, I received emails from WF stating that my payments would be quite a bit higher ( totally different # than what XXXX had stated ). When I pointed this out to XXXX, he told me he would check on it. I received another call from XXXX telling me to forget what she had said previously, and she then read off the new details which were the same as the emails I had received. I told her each time that this was not acceptable, and she told me I didn't have a choice, it was up to the underwriter 's discretion. When I spoke to XXXX, he stated that he had been told by WF that they had reached out to me several times and I didn't call them back, which was not the case. When I asked XXXX about it she stated that the information was not true. I have not signed any paperwork and have not reached out to her again since she previously had been no help and totally ignored my displeasure. I do not want to lose my home and I know I can not afford the inflated payments. I even told XXXX I could pay on my escrow to lower that and she told me no. I spoke to XXXX a few days ago and he said that WF can take my home if I do not sign the paperwork and that he actually has no recourse at all, that he only emailed back and forth and had not spoken to anyone by phone. Please contact me as I am at my wit 's end. Thank you. I have screenshots of the VMs left by XXXX and the emails that were sent. 

Please know that I am currently on XXXX XXXX XXXX. I fell at my job XXXX XXXX and was laid off XXXX XXXX. I am a XXXX by trade and love what I do, due to the XXXX XXXX XXXX physicians and bad advice from my attorney I have little to no use of my XXXX XXXX and may not be able to work. My financial situation is due to the issues I have had with all of this. They would be happy to put me on XXXX, but I prefer to work, I am currently fighting that battle as well.
Consumer complaint received 2019-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Client Services, Inc. (TX)

This company comes up on my phone as XXXX  XXXX. I called the number back and asked the name of the business and where they are located. The lady said Client Services , Inc. in XXXX XXXX, MO. They call several times a day from different numbers, but it's most always from area code XXXX, with the exchange of XXXX. As soon as I block one number, they use another one. However, in the past week, they have began to call before 8 am. Repeatedly. I have lived in the state of Texas for over 12 years. I'm in the central time zone. If the caller is unaware of this, they are more than likely trying to collect stale debt. I have received no written communication for a company with the name of XXXX  XXXX about any debt owed.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Sequium Asset Solutions, LLC (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please resolve this issue ASAP
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

I was in a XXXX XXXX mortgage forbarece from approximately XXXX of XXXX to XXXX of XXXX paying approximately {$1700.00} monyhly prior to the forbarence. In or about and I was making payments to the lender to XXXX of XXXX I began making payments to the lender in different amounts to keep my loan as current as possible. When my finances began to improve in or about XXXX of XXXX I was informed that I could no longer remain under forebearanc. At that poit he lender stop accepting my payments and keep attempting to force me to agree to repayments options that are designed for me to fail. The option that they keep attempting to force me to accept is to pay {$6000.00} in an upfront lump sum and {$3200.00} per month for 12 months. Or to take all of the past due payments and put them back into the load with a more than 1.75 % interest rate increase. They keep insisting that there is no other options. I spoke with representatives of my banking institution and they informed me that my servicer may be in violation of the XXXX XXXX XXXX.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 1. XXXX XXXXXXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved
Consumer complaint received 2019-03-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Main Street Personal Finance (SC)

I had a payday loan with XXXX XXXX in XXXX, SC. They have called my job everyday for a few weeks now, and today was asked to stop contacting me at work. They stated they would then come see me at work if I couldn't talk to them over the phone. threatened to come up to my employer which is unacceptable.
Consumer complaint received 2020-12-12
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. (MS)

Hello I have been a victim of Identity theft, and I fill my file has been compromised because of incorrect addresses that have been allow to stay on my credit report, I have contacted reporting agency to have them removed but they haven't complied.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Back around XX/XX/2018, I noticed Capital One Credit Cards showing up on my Credit Reports. I promptly sent a request for information from the company, about the alleged debt in a form of a loan. Capital One ultimately took two of these accounts off my report. But left one still remaining on my reports. So I continued to question this alleged account, I did not recognize. Every time I ask them to provide me answers to questions Ive asked, they have answer with generic answers back. Thus not providing important information, that they as business should be able to answer. I literally wanted some with first hand knowledge to answer my question. But time and time again I received generic response, that wasnt even what I was inquiring about. This we back a forth for a while. Recently they have filed a lawsuit. In this law suit they include a affiliate, that supposly is someone of first hand knowledge. That says I owe them money. What is interesting is this person NEVER answers my questions I sent to Capital One. Its not till they filed a lawsuit, this alleged XXXX, comes forth. So I believe she are lying about having firsthand knowledge of this alleged loan. She never contacted me once. Even, when I requested to speak with someone with first hand knowledge. Their action speak million words. They have not been able to prove they made a legal loan and complied with Truth and Leading act. This is why its so suspicious they decide to sue, instead of answering my questions.
Consumer complaint received 2022-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (WA)

Mercantile Solutions has repeatedly called me for the past 2 months ( XX/XX/2022 to date ) every Friday trying to collect on a credit card debt from several yrs ago. When I did talk to them they required me to tell them my mailing address, last 4 of my social or the full account # on the card. I informed them that I did not feel comfortable telling them my address but I did give them the last 4 of my social. The gentleman indicated that was not enough and required the full address. I again stated I was not comfortable with that. He stated that he couldn't go any further with my call. I stated I was sorry to hear this but again I wasn't comfortable provided that information on with the call. I also explained to him that I had lost my job 2 weeks ago and that even if we could proceed with the call, I had no money to give them for the debt. He stated that they wanted to work with me but again needed my address. I stated I got his letter in the mail so with that verification, could he move forward with just the last 4 of my social and that? He stated he could not. 
I ended the call with apologizing to him and hung up.
Consumer complaint received 2023-07-26
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: Synerprise Consulting Services, Inc. (AZ)

I've been trying to apply for apartments due to damage to my credit I've been denied. According 15 USC 1681 law this is a defamation of my character.
Consumer complaint received 2023-05-26
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2019-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (IL)

For almost three years I have been a member with PNC. For the past 2 years, I have been receiving direct deposit on Monday from XXXX in the amount of XXXX. On Friday XX/XX/19 my check was direct deposited from XXXX to PNC. On Monday XX/XX/19 I checked my account to find that it was negative in the amount of XXXX. At XXXX XXXX  I called PNC only to be told that if I dont get the Funds in my account by XXXX on XX/XX/19 I will be charged a overdraft inwhich all of the fees will not be reversed. In the 3 years I have been with PNC I have probably overdraft my account twice. And obviously today it is a glitch in the system. So for them to try and hold me accountable for all these fees and reverse them is ridiculous!!!! Especially when none of this is my fault. I have had issues with PNC and their system glitches in the past taht lead to several of the same transactions being taking out multiple times. So who am I to believe that this is anything different!!!!
Consumer complaint received 2019-03-25
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. (FL)

A lot of information on my credit does not belong to me! I have never had XXXX XXXX! I have never had any credit card! Never had any student loans! This is unacceptable!!!! YOU HAVE SOMEONE ELSES INFORMATION ON MY CREDIT AND IT NEEDS TO BE FIXED!!!!!!!!!
Consumer complaint received 2018-04-12
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  EQUIFAX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : addresses that are not mine 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers that are not mine : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX Remove Employers info : STUDENT Date Verified XX/XX/2018 Remove Account Review Inquiries Remove Inquiry Analysis
Consumer complaint received 2019-03-25
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. (CA)

I just checked my credit report to see that 01 XXXX XXXX is calming that I have {$140.00} outstanding and placed for collection. It looks like they are a payday lending company. I have never and would never be involved with pay day lending and have never heard of this company before. 

This is fraud.
Consumer complaint received 2019-03-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been trying to communicate with SLS mortgage/collection agency for the past few years but they refused to communicate by email. 
We have been insolvent after the real estate crashed in XXXX. Both my husband and I have serious health conditions ( XXXX XXXX, XXXX XXXX and XXXX ), and are not able to work many hours. 
I have been trying to settle with SLS but with no relief. 

XX/XX/XXXX, When our property was in a short sale, XXXX ( first mortgagee ) was offering {$3000.00} to XXXXXXXX XXXX ( second owner of the equity line ) XXXX wanted {$19000.00} to close the deal and forgive the rest of the loan with tax liability to be on us. So it fell out of escrow because XXXX did not complied. 
In XX/XX/XXXX, we got an affordable modification with XXXX with a differed amount of {$300000.00} and adjustable rate on the balance which has gone up three times. Now our payment is {$4000.00} We have been insolvent since and have lots of documented health problems, ( husband has XXXX XXXX XXXX XXXX in his XXXX, XXXX and I have a XXXX XXXX that is triggered by stress, and an XXXX is needed to correct this situation. I also have XXXX in all my XXXX  and XXXX due to stress ) Now, with the increased payment on this property, we may not be able to keep it due to our health issues. In that case it may go to short sale or foreclosure. 
At the moment, my father-in-law is willing to offer {$18000.00} to SLS and have the rest forgiven. But SLS continues to reject our offer or communicate or respond through email. They continued to demand large payments from us every month. 
This has been very stressful and has cause serious problems with my health
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MD)

I was charged a {$35.00} fee by US Bank to stop a bill that I had used an auto payment feature to pay with. I began using the feature believing it was a free bill automation tool, not any kind of paid service. I have not brought it up with US Bank for fear of retaliation. I also am unable to attach evidence of the charge of the fee because the app does not allow screenshots to be taken of the charge screen.