davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Reference to the Wells Fargo correspondence letter, Subject : Resolution to inquires received for account number XXXX, dated XX/XX/XXXX, received in response to CFPB complaint # XXXX. 

In Wells Fargos stated commitment to making sure we have the documents we need to resolve our issue, we are requesting a correction to the Wells Fargo letter noted in the above paragraph. 

Original Wells Fargo letter stated incorrectly that the XXXX XXXX XXXX ( XXXX ), a FDIC financial institution acquired by Wells Fargo, paid off lien originated by XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, for which the Deed of Trust currently is unreleased and blocked the sale of our property causing over {$2000.00} in financial damages. 

In response to our request for additional documents that supported the Wells Fargo research showing payoff of original XXXX XXXX in the form of a Payoff Letter, HUD-1, or any other documents showing amount, account number, and date, we were assigned a new Executive Resolution Specialist XXXX XXXX XXXX. 

In working with XXXX XXXX we brought forth the issue that XXXX was not listed in the chain of title deed on record and provided faxed documents to substantiate the issue from the County Clerk Circuit Court chain of deed title history along with a Certificate of Satisfaction showing the original XXXX XXXX was paid off by XXXX XXXX XXXX in XX/XX/XXXX and consecutively then assigned to XXXX XXXX  XXXX XXXX, in XX/XX/XXXX, which was then subsequently was acquired by Wells Fargo. 

XXXX XXXX upon further research was then able to provide the XXXX XXXX XX/XX/XXXX HUD-1 Settlement Statement showing payoff of the XXXX XX/XX/XXXX dated XX/XX/XXXX, from the Wells Fargo archive records.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adelante, Inc (TX)

ACCOUNT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This company is currently putting medical debt on my credit report that I do not own. None of my personal information was correct. Nor had I ever had any medical bills that went in collection.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX ( RUSHMORE ) and their Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) have made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued The Reinstatement for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. XXXX XXXX XXXX  XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / RUSHMORE and XXXX are not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program.  RUSHMORE denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submited loan modification many times and RUSHMORE continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by RUSHMORE and XXXX. XXXX XXXX XXXX  XXXX XXXX/RUSHMORE denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home. Their Single point of Contact ( SPOC ) is not working or they have many 300 files  so they ca n't not have time to talk to customer nicely or respectfully for all the detail the borrower ask for. Today XXXX XXXX my SPOC told my representative XXXX that do not call him anymore and I am not a customer for service because I am in default, he complaint that my loan have late history, he can not keep talk to XXXX because he have to work on his other file. I request another SPOC because XXXX XXXX is so busy with his more than 300 files. On XX/XX/XXXX, we talk to XXXX XXXX, her extention is XXXX she told us that the Private investor is XXXX XXXX XXXX, XXXX from XX/XX/XXXX. but your respond XX/XX/XXXX you indicate XXXX XXXX XXXX XXXX XXXX is the current owner of the Note. I need to know how many investor, owner of the note?? XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / Rushmore Loan Management Services , LLC can not continue give me the run around and continue lie to me. Take a look at all their fee and cost, the answer to all complaint just bla, bla, bla ... they do not answer direct questions, just throw all the number and want the borrower pay for their nonsense fee. Please breakdown for all your fee and cost, when you charge and why you charge, I need all invoices and bill and cancel checks you pay for these fee and cost. A lot of your nonsense fee need to void because you over charge and I do not have to pay for your attorney fee when I bring you to court or when I was in bankruptcy You violate the Senate Bill No. 900 in many ways. You charge a lot of fee and cost when I applied for the loan modification.
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

TransUnion, XXXX, XXXX and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted my disputes to you, and I didn't get a response within 30 days, and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2022-05-05
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. (LA)

I do not recognize nor did I authorize the below credit inquiries from XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (PA)

I received notification that a $ XXXX balance was posted to my credit report from a company called Penn Credit Corp , attempting to collect for XXXX XXXX XXXX. This was surprising, since I have not even lived in XXXX for 5 years and had always paid my XXXX bills on time. 

Penn Credit Corp and XXXX have not been able to prove to me how I incurred these charges. My account on XXXX 's website doesn't even work anymore, so I have no way of checking myself.
Consumer complaint received 2022-05-05
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. (OH)

In accordance with Fair Credit Reporting Act XXXXXXXX XXXX XXXX  account # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXXXXXX XXXX # XXXX, has Violated my rights. 

XXXX Bank XXXX XXXX # XXXX, has Violated my rights. 


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

15 U.S.C 1681 section 604 A. 2 : It also states a consumer reporting agency can not furnish account without my written Instructions.
Consumer complaint received 2022-05-05
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. (MN)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I have a mortgage loan with Ocwen. I experience some financial hardship and fell behind on my payments. During this time I was put on forbearance and subject to late fees and penalties. Example : I was charged {$1500.00} for XXXX sale deposit and this was unfair because it never went to XXXX sale because I paid the money. I was also charged a {$820.00} Motion to Relief fee which was unfair. Also, when I became current they charged BPO fees and certified mail fees. In XXXX they only applied payments made to interest and late fees none towards principal. I should not have been charged these fees because my loan was current during this time which was XXXX. I would like to receive an reconciliation statement of all my payments. Your assistance in this matter is greatly matter.
Consumer complaint received 2022-03-14
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-14
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-05
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. (MN)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-14
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)

I was a victim of identity theft in XX/XX/XXXX after discovering several unauthorized credit inquiries for various credit cards, banks, and cell phones appearing on all three credit reporting statements. I immediately locked all three credit reporting accounts, as well as notified each bank and/or credit card of the theft. Despite the locks, I continued to get notifications throughout the year that someone was trying to open bank accounts or credit cards using my credit information. On XX/XX/XXXX, without ANY previous contact from XXXX XXXX, I received a notice from XXXX XXXX XXXX that I was in default of {$4100.00}. THIS IS NOT MY ACCOUNT. I immediately called XXXX, but was told that they would not work with me as my account was in collection. I wrote XXXX XXXX on XX/XX/XXXX that it was not my account and asked for FULL DOCUMENTATION of the account. I've repeatedly written and called both XXXX and XXXX XXXX stating that it was not my account ( including a police report ). To this date, I have received NOTHING from either XXXX XXXX  nor has XXXX XXXX. It has been over 2 months since I sent my letters and called. In the meantime, I have also retained a lawyer to assist, but still XXXX continues to re-post the closed account.
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (NV)

FIRST SOURCE, FIRST SOURCE ADVANTGE, LLC SENT ME A NOTICE SAYING I OWED THEM {$490.00} ACCOUNT # XXXX WHICH I NEVER HAD. I AM REQUESTING A VALIDATION OF THIS DEBT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA. I AM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED. PLEASE SEND ME THE VALIDATION IN A TIMELY MANNER, THEN I REQUEST THAT YOU STOP TRYING TO CONTACT ME ANYMORE.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (GA)

DEBT COLLECTOR IS A THIRD PARTY TRYING TO COLLECT MONEY THAT WAS RESOLVED/PAID WITH A XXXX & PAYMENT LETTER WITH XXXX  XXXX # XXXX, XXXX  # XXXX, XX/XX/2022. I DO NOT HAVE A SIGN CONTRACT WITH THE DEBT COLLECTOR JEFFERSON CAPITAL NOR XXXX, XXXX  AND THEY WERE PAID INN FULL.
Consumer complaint received 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-05-05
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. (GA)

I have disputed inquiries on XXXX and Equifax and they refuse to remove them. I have not authorized companies to run duplicate checks on my credit and have several from companies I do not know.
Consumer complaint received 2022-03-14
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. (TX)

I recently discovered that the 3 credit bureaus were reporting a collection account that 1 is Identity Theft and not my account and 2 is reporting a duplicate account. I have already disputed with Experian, XXXX and XXXX and the following has still not been deleted and or corrected by XXXX and Experian. I have attached a copy of my TDL, POA, Credit Reports, ID Theft Report, Letters to Bureaus, Account Name : XXXX XXXX XXXX Acct No : XXXX
Consumer complaint received 2022-03-14
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: Experian Information Solutions Inc. (LA)

On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (UT)

Diversified Consultant is recently reporting a collection on my credit report for XXXX and it is not mine. I currently have XXXX! When I call XXXX  they say I do n't owe any extra. When I call the collection company they say there is no balance! I never got a notice from them, only them reporting to my credit one day. How can they just report to my credit for something I do n't owe! Then they do n't do anything to help you.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX XXXX aka XXXXXXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX 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 an account without my written instructions
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I have tried disputing a delinquent account that is showing on my credit report twice. The dispute was denied. This is something that is really affecting my life, as it made my credit report decrease by XXXX points.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The following purchases were made on my Capital One credit card : XX/XX/XXXX {$7.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$5.00} Balance due XX/XX/XXXX {$89.00} Payments and credits to the account XX/XX/XXXX - {$7.00} credit XX/XX/XXXX - {$4.00} credit XX/XX/XXXX - {$59.00} credit XX/XX/XXXX - {$17.00} online payment balance on XX/XX/XXXX {$0.00} XX/XX/XXXX late fee {$25.00} When I called to complain, the explanation from Capital One is that because I didn't make the accounts minimum payment of {$25.00} I was charged the late fee. I couldn't make them understand that making a {$25.00} payment on an account that had a {$17.00} balance didn't make any sense. As a one time courtesy they agreed to credit me back the {$25.00} late fee. My concern is when and if it happens again I won't be eligible for the one time courtesy credit. How many other people is Capital One ripping off with this bogus fee.