davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC. (PA)

I received mail from a company called XXXX XXXX XXXX, XXXX specifically the " XXXX XXXX & Servicing Department '' in regards to a collection I owed to XXXX XXXX. They said it was a Notice of Bank Levy, for owing XXXX XXXX {$790.00}. It said the default in question was originally recorded XX/XX/2015 and was in statue for involuntary recovery. The notice looked fake, and had the appearance of a court order, with the whole them vs me complaint, but was not signed, or stamped or anything. They did have my correct DOB, SSN, and former account number on it. So I called XXXX XXXX to see what I owed, if any, and they told me to call their debt collector, XXXX ( XXXX XXXX XXXX ). So I called them and they said I had that account resolved a long time ago, and they will send me a copy of the receipt as proof ( I do not have at time of this complaint ), and to ignore this false document I received. There were a lot of threats in said letter, such as bank levy for my accounts, affecting credit, and garnishing sources of income to include wages and accounts. I know this is not the case so I wanted to submit a complaint about it. The number on their mail they had listed is as follows : ( XXXX ) XXXX as phone, and ( XXXX ) XXXX as a fax.
Consumer complaint received 2020-06-03
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. (NJ)

^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & XXXX **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX***
Consumer complaint received 2019-08-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I, XXXX XXXX currently have a modification/forbearance agreement with Wells Fargo Home Mortgage. The original loan modification began on XX/XX/XXXX which I maintained compliance in making monthly mortgage payments. My income was reduced following my retirement in XX/XX/XXXX but I continued paying all mortgage payments until hardship from a fixed income began to incur in XX/XX/XXXX. At that time, while I was still in my modification agreement, I requested mortgage assistance from Wells Fargo Home Mortgage and was approved for a forbearance agreement on XX/XX/XXXX for twelve months that ended XX/XX/XXXX. Now that I am fully retired and not currently working and I need to readjust my mortgage payment, Wells Fargo is forcing me into a short sale on the property as my only remedy. My true intent is to keep my home and I am struggling to do that following the forbearance and furthermore, I believe this is form of discrimination. I know that Wells Fargo is definitely in breach of the contracts. They are intentionally taking my home ownership rights as well as my due process and I am asking for your help.
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I closed my business platinum AmEx account ending in XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received an email from American Express stating that " After careful review, we noticed activity that indicated these points may have been earned or used in a way that doesn't meet the terms and conditions of the Membership Rewards program or of the promotional offer under which you earned the points. '' I logged into my account and found out that XXXX points were taken away from my Amex Membership rewards account. I called Amex right away and the phone representative could not tell me the reason why points were removed. I told her that I opened my account in XX/XX/XXXX and earned the XXXX bonus points in XX/XX/XXXX for meeting the spending requirement. In XXXX when I closed my account with a chat rep because the second year annual fee was due and I want to avoid the XXXX year fee, the rep did not say anything about the points may be taken away. I don't understand the reason why Amex took my points away after I cancelled my account in XXXX. The phone rep could not give me any reason and she filed a case for me with case # XXXX. She promised someone from the backoffice will contact me with the results of the investigation within one week. Now more than 2 weeks has passed and no one from Amex contacted me about the result of the investigation. My XXXX point still missing. Please help me to get amex to reinstate my points. I am willing to reopen the cancelled account and pay the 2nd year annual fee if Amex can reinstate my XXXX points. Thank you.
Consumer complaint received 2021-04-09
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. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2018-11-12
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. (AL)

I have disputed this problem several times with XXXX XXXX XXXX and the three credit bureaus over the past year with no results. I had two credit cards with XXXX  XXXX that I let get behind, but when my finances got better a few months later I called XXXX XXXX and paid my debt in full. They had closed the accounts and reported charge offs to all three credit bureaus. All I asking since I did honor my debt with XXXX XXXX that they remove the charge offs on my credit reports since the account is now closed. And during the same time I had a credit card account with XXXX XXXX, I also honored my debt with them paid in full. They have an internal collection agency, XXXX XXXX XXXX, I reached out several times to both companies and they tell me they no longer have my account, so neither company can remove the charge off from my credit report.
Consumer complaint received 2024-03-04
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-11-12
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. (NC)

I have some account on my credit file that are not my and I have tried to fix the situation back in XXXX as when I first witness it. Accounts such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I would like this item remove off of Trans union and XXXX.
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Co-Operative Adjustment Bureau, Inc. (CA)

Upon first contact back in XXXX, the company, Co-Operative Adjustment Bureau, has had ONE representative that pretends to know everything and how everything works. I originally contacted them about a questionable increase of amount owed, and their response was it was interest on the originally agreement. I'm going to add the account is from an apartment complex not a credit company. Therefore, there is NO interest. The original amount owed was {$2600.00}. Just this year alone it has increased to {$3000.00} because of " interest ''. When I brought up the fact that they are not allowed to collect interest they brought up some legal code that claims they can because of the original agreement. The only issue is, the original agreement and lease was nullified in XXXX of 2017. And was never renewed. Therefore there was no agreement between the parties. Yet they are constantly raising my amount. I kept trying to solve it and all I ever got was just pay it. So I got irritated and started yelling at them and even recording the calls, after letting them know that it was being recorded, they never refused authorization, their only response was, " well that's illegal ''. This. ompany makes it hard to communicate and if it's not their way it's no way. I would like them to get a reality check. They can not raise amount owed or attempt to collect more than is originally owed under FDCA Laws.
Consumer complaint received 2018-11-12
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. (TX)

I looked at the most recent credit reporting agencies letters and have come across some erroneous information. 

XXXX XXXX Reported : XX/XX/2018 {$300.00} XXXX XXXX XXXX XXXX XXXX Im not too sure what this or who it belongs too? This is not mine and does not belong to me
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OK)

My spouse and I filed a chapter XXXX bankruptcy in XX/XX/XXXX which did NOT include our home mortgage to Wells Fargo. Since that time, we have made several complaints to have them repair our credit reports regarding how they have reported our mortgage. The account is current and we have NEVER had a late payment. They have fixed all of the credit reports for my husband ONLY. The following is how they are reporting to the three credit reporting agencies for myself ( we are joint owners of the loan, so they should be exactly the same ). 
XXXX  shows me with zero open mortgage loans. 
XXXX  shows me with zero open mortgage loans. 
XXXX shows me with Wells Fargo Home Mortgage closed, included in a chapter XXXX bankruptcy and a failure to pay in XX/XX/XXXX. 
I received a letter from Wells Fargo dated XX/XX/XXXX with the following statements : " We've determined the account was handled properly and no corrections are needed as no error has occurred. '' " We've determined that we provided accurate information to the consumer reporting agencies and will not be making any adjustments ''.
Consumer complaint received 2022-10-16
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. (PA)

As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, Equifax and XXXX. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. 
-Sent dispute letters XX/XX/XXXX and still have errors on my report. 

15 USC 1666b late payments from open ended credit plans cant be reported. 
-Dispute was to remove the late payment which wasn't late but still have not fixed it. 

15 USC 1681 ( B ) must have written permission to furnish on my behalf. 
-Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages.

-Have n't been able to purchase a house due to error on my consumer report.

15 USC 1681 ( a ) ( 4 ) right to privacy.

-Did not give consent to repost items to consumer report.

15 USC 1681 ( b ) must follow reasonable procedure s. 
-Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 

15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported.

-Items was reported that i used my social to obtain.

15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in XXXX for each violation.
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

On XX/XX/2018 my husband received a call from our Mortgage Company trying to talk us into refinance our loan. My husband stated he did not want to refinance the loan said no, the loan officer was told to speak with me, the wife. After hearing what the loan officer had to say, if we are interested we will call you. We didn't call him. Th loan officer toke it upon himself to begin the refinance process and mail a loan packet to us.

He had already insulted us. We have the right to refuse a re financing of our mortgage.

A credit application was sent to us with a new loan number and paper work to sign. my husband credit was ran without his permission, the loan application process was started without permission. 
We faxed a cease and stop letter, on Friday XX/XX/2018 after the loan officer called back Friday morning. My husband stated he was not interested and he continue to try and presuade him into a loan harassing him to agree to somethings on the phone. My husband refused and hung up the phone. The loan officer then called my phone. I was unable to answer because I was at work. my husband called me and informed me of the call. I wrote the letter and faxed it to the mortgage company on Friday.

Today we revived the loan application packet, with a new loan application, and disclosure. We didn't ask for any of this. The loan officer used Bullying, harassing, and trying to presuade us into a new loan despite we didn't want it. he could not understand why anyone wouldn't take advantage of such a great opportunity. Why would you like to continue paying a higher rate? It makes no sense.

I don't like the implications, the insults, and don't like the fact he tried to force this refinancing on us. It is not right to harass someone because you want to get your numbers up. In addition mortgage companies should not pre-screen loan holders and harass them for their personal gain. if you send out a letter stating individuals can refinance or contact the mortgage if one 's choose to contact you one can. If one doesn't contact you, then they want your services.
Consumer complaint received 2022-11-19
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX .... Balance : {$50000.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-07-30
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One Credit Card keeps hard checking my credit bureaus. 
They keep sending pre-approved offers. They keep denying to issue me a card. They used hard inquiry that lower my credit score.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

I have consistently disputed the inaccuracies in the provided information with Equifax, XXXX, and XXXX ; regrettably, the matter remains unresolved to date. 

Equifax XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX l Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX XXXX. The following personal information is incorrect Date of Birth : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX l Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information