davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2011, my home at XXXX XXXX XXXX, XXXX, XXXX  was destroyed by a tornado. On that home I had a Wells Fargo mortgage and a Wells Fargo equity line of credit. My home insurance company paid off the mortgage, but not the equity line. I continued to pay on the equity line. 

Last week I applied for a mortgage with Wells Fargo on my new home at XXXX XXXX XXXX, XXXX, XXXX XXXX. The loan officer told me that the equity line had to to resolved first. He initiated a " research ticket '' on the equity line due to the confusion over why the equity line was not paid by XXXX ( my home insurance in XXXX ) when the company paid off the mortgage. 

Because the Wells Fargo loan officer has not responded to my questions of last Friday, I grow increasingly concerned that my interests in this matter be protected. The equity line should have been paid by XXXX ; it wasn't. Why not? And am I just the " XXXX XXXX '' in this situation, waiting to have whatever done to me by XXXX and Wells Fargo? What are my rights in this particular situation? 

Wells Fargo Line of Credit Account # XXXX Wells Fargo Research Reference ( on Account # XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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. (NY)

On XXXX filed a complaint with XXXX reguarding in correct late payments showing on my credit report with XXXX XXXX. Has of today there results are still pending almost 3 months later. Did talk to XXXX  that had no XXXX or customer service skills. He also made no effort to help on any way
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

A per standard advice I have put a credit freeze on my Equifax account. 
I should be able to suspend this by going to my.equifax.com. I have been unable to access this account. 
Equifax states that my account is locked and they are looking into the matter, and it would be corrected within 7-10 days. It has been 3 weeks, and in spite of numerous calls to them the problem is unresolved
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NC)

On XX/XX/2022, I received an email from Aidvantage stating that theres a payment due next month for {$47.00}. There should not be a payment due, nor has there been one for at least a couple months, as my loans were all put into the national Covid forbearance. When I check online, just 1 loan has been taken out of forbearance, and has a past due amount of approximately {$23.00}. I have not received any information about this particular loan being taken out of Covid forbearance, nor that a payment was erroneously due last month. All my loans are through the Department of Education, none are private, nor are they the specific types of loans excluded from forbearance. I called Aidvantage to see what had happened and to make sure it wasnt going to affect my credit score. They assured me they would return the loan back to forbearance, however I have no way to make sure of this, except to wait, at which later point in time the erroneous past due amount may affect my credit score. Also, this is the second case in my history with that servicer where I would call for something to be done ( refund ), waited weeks for the refund, only to call and find out that the refund was never processed and that Id have to wait several weeks again!
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

A collections appeared on my credit report in XX/XX/2022 from Wakefield & Associates. I disputed it due to no knowledge of said debit. I called Wakefield & Associates and requested proof of debit several times in the months of XXXX, XXXX and XXXX ( I also disputed this each month as well ). Nothing has come in the mail. And now the amount of the debit keeps going up? How is this possible? Per the Fair Credit Reporting Act the company much provide proof of debit, they are NOT PROVIDING PROOF. I have no knowledge of this company or such debit. In doing research the original creditor XXXX XXXX XXXX, also a collections company, whom I never heard of nor ever receive a bill from them. I have health insurance and have not needed any type of medical care in over 3 years. I don't know who these companies are but I am now Filing a complaint on both companies due to fraud practices to collect money.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2021-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

THis is XXXX XXXX SSN # XXXX. I have been sending you dispute letters but it seems that I am not being taken seriously. i sent you the letter clearly stating the inaccurate information but you dont seem to be doing anything! these errors shouhld have been here in the first place but even after asking you to investigate it, youre ignore them. I am going to take legal action if you continue with your negligence.
Consumer complaint received 2021-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have sent Equifax dispute letter and in XX/XX/2021 with no action and proper investigation has taken place. I sent another affidavit with evidence showing the errors on my credit report and asking ask how if any there verification has been done, This letter was sent on XX/XX/XXXX XXXXand still no response.
Consumer complaint received 2018-04-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (MA)

See attached letter for more details. They have called and still call my cell and my mothers landline. I do not owe a dime. XXXX XXXX XXXX does and I am in no relation to her whatsoever. I havent spoken to her in years! There is also another company besides this one that is also calling me. Thats why I have two reports. Please note the two different companies however both are for XXXX XXXX.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2018-02-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (TN)

1st thing I should say is I am XXXX and on social security XXXX because I XXXX XXXX XXXX. 
This is concerning a non secured personal loan. from a bit over 9 years ago. 
In XX/XX/XXXX I was served with papers to go to court over this and the officer said and showed me on the papers if I did not show up they would arrest me and hole me till my next court date. He said the judge had the ability to do that if someone does not show up and they ask her to. 
I went and never saw the judge because the atty, took me to a room and tried to tell me I had to swear on a bible to tell the truth and so forth just like I was in front of the judge, I confronted him about this and he shut up and tried to railroad me into signing papers saying I would pay the debt. I told him I could not afford to pay my living expenses at the time and that I was XXXX and could not pay. He kept trying to railroad me by asking what amount i was going to pay each month like I had no choice. I rather rudely at that time told him to stick his papers where the sun does not shine and I was not signing a dang  thing. AT that point he thanked me for showing up and told me I could leave. 
On `XX/XX/XXXX, I got a letters from the original company at a minimum of 8 times since then I just ignored them. Today I got one with an stamped return envelope and a letter asking how much I was going to pay. There was another asking me to call the manager. I did and I told him the same thing I told the attorney in court and he gave me a line about how I could sleep at night, from there things got heated and at one point he dared me to come down there when he got off work or even now and he could clock out and we could take it up personally. He then made a veiled threat that he had my address and what he did off company time was his business and hung up on me. 
I admit I did call him back and used a few words I will not type here. At that point he told me he was going to call the cops on me for harassing him. 

That is all that has happened so far.
Consumer complaint received 2022-06-12
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has validated my rights. 

15. U.S.C 1681 Section 602 A. States I have the to privacy.

15. U.S.C. 1681 Section 604 A Section 2 : it also states a consumer repotting agency can not furnish an account without my written
Consumer complaint received 2022-05-03
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. (SC)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (GA)

I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (GA)

I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have tried to negotiate with the lender XXXX XXXX to modify our loan to get back to date. We have been applying for six years and the bank continues to deny my loan modification. The lender informed me that they will not even take my income into consideration. I am trying to take responsibility for my loan and the lender refuses to help me do so. Please help me since my daughter is XXXX ill and delicate and we can not loose our home for her.
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

XXXX Account XXXX Convergent Account # XXXX Total Due {$250.00} Phone Number XXXX Sometime in XX/XX/2022 I transferred service from XXXX to XXXX. 
Transferred 3 numbers XXXX XXXX XXXX. 

Now they are trying to bill me a " phantom '' XXXX number which I do not recognize and never used. 

Talked to 611 customer service and the supervisor, insisted the charge was legitimate. 
Why will I pay for something unknown and never used number by me and my family? 

Please help me resolve the issue it is not a valid charge.
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my Transunion credit report, XXXX XXXX XXXX ) reported an unauthorized hard inquiry on XX/XX/2021. 

I did not authorize anyone employed by XXXX to make any inquiries and unlawfully view my credit report. This is a blatant violation of my rights under Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Such an offense is a serious violation of my privacy rights. Please contact XXXX XXXX XXXX XXXX and valid this fraudulent occurrence with this company and provide me with appropriate documentations associated with this company bearing my signature authorizing this inquiry. 

Upon resolution, Im requesting the deletion of inquiry on my credit report.
Consumer complaint received 2022-06-12
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. (AR)

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this public record immediately.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), 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 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. XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX**** and Public Information: Chapter XXXX Bankruptcy: XXXX