davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (KS)

I have contacted this company multiple times to discuss the amount that they are trying to collect. When I shut my services off with XXXX XXXX XXXX, the representatives assured me that I no longer had a bill with them. Then a couple of months later I received a collection letter. The collection agency states that I owe this bill for XXXX XXXX XXXX, which I confirm with XXXX XXXX XXXX I do not.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

The item showing on my report was sold to the credit bureaus by a third company and not verified from the court. The court does not report to the credit bureaus and the information on my credit reports are inaccurate.
Consumer complaint received 2020-06-04
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. (MI)

****My name is ** XXXX XXXX **. I have been trying to report about incorrect information in my credit report over past year but it has no success. According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification ****I notice that some of the  name, addresses, all employment information and hard inquiries, are inaccurate. In addition to it, there are several derogatory account that have no relationship with me or any of our business. These incorrect information demand to be removed off my credit account according to these reporting laws that are listed above. 
Here are the name, addresses, employment information, hard inquiries and debt collection that need to be cleared off my credit report. 
******************************************* **NAME REPORTED XXXX XXXX XXXX 02 ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **EMPLOYMENT INFO _XXXX _XXXX XXXX   XXXX ******************************************** **ADDRESSES REPORTED XXXX XXXX XXXX XXXX _XXXX, NJ XXXX XXXX XXXX XXXX _XXXX, NJ XXXX ** HARD INQUIRIES XXXX  XXXX  Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX CO Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank  ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Utilities and Fuel ( XXXX ) XXXX **COLLECTION OF DEBT XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed
Consumer complaint received 2022-02-09
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX my ex-wife and I got a divorce after 21 years of marriage and she was awarded the homestead purchased in XXXX which she intends to keep and continue to raise our XXXX children in. The mortgage of the property however remains solely in my name and credit. In 2017 I quitclaimed the house deed over to her and now she is solely on title. Wells Fargo refuses to help her assume this loan claiming that the loan is unassumable even though they had already sent her forms to begin the assumption process. 

In addition, Keep Your Home California ( KYHC ) has accepted her as a client and offered to assist her in catching up on the mortgage and assuming the loan if Wells Fargo would acknowledge her connection to the loan since their program only benefits their clients of which I am not. I have long moved out of the property and she had been making payments until the loan interest rate reset in XX/XX/XXXX and the payments increased from {$3200.00} a month to {$5300.00} a month, which is unsustainable in its present form. It is strange that after over seven months of speaking with more than 10 people in different Wells Fargo departments, they are not offering a way to refinance/assume this loan. We have explained several times to Wells Fargo that by acknowledging her connection to the loan, KYHC would assist her in paying the past due amounts and assuming the loan, but they have not done any thing and have been calling with extensions on their internal investigation while the clock has been running and my credit has continued to show more late on the outstanding payment. 

Please your assistance is needed to help resolve the long standing matter. Thank you. 

Sincerely, XXXX
Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OR)

I received a notification from FCO on XX/XX/XXXX, stating that I owed their agency in excess of {$3500.00} for an apartment I rented in XXXX, XXXX. It should be noted that this alleged debt started showing up on all three of my credit reports in XX/XX/XXXX, without any prior notification from FCO or the apartment complex. I submitted a letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ) requesting verification of the alleged debt. They provided me with a lease agreement that was signed by a different/unknown individual and a ledger. I submitted a second letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ), advising FCO that they had failed to provide sufficient verification of the alleged debt. It should be noted that FCO claimed ( on behalf of the apartment complex ) that I had not provided sufficient notice that I was vacating my apartment, which I had in writing. Further, I provided them with the fact that Kentucky Landlord-Tenant laws supersede ( XXXX Chapter 383, " If a lease expires on a specified date, no notice is required, it simply expires. '' My lease agreement expired on XX/XX/XXXX, and I had vacated the premises prior to that date. FCO has failed to respond to my second letter which was received by FCO more 60 days ago.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

The ATM under draft fees seem to have been paid aplenty. When I dont use my ATM Visa card much, Wells Fargo penalizes me for it. I dont think thats fair. When I said something about it. The response was about company policy.
Consumer complaint received 2022-02-09
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2019-03-22
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 — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. 

In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. 

I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.
Consumer complaint received 2018-04-10
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. (CA)

AboutXX/XX/XXXXlost my ID SSN and other things on the bus I made a report with Police Station. I have been having problems with things on my credit I tried reaching out to the people on my credit I have not seen any changes.

1. XXXX  XX/XX/XXXX I Mailed a dispute because it is not mine. Have not heard from them yet. It is still on my credit 2. XXXX XX/XX/XXXX This is not my account I mailed a dispute and its still on my credit.

XXXX XXXX XXXX  XX/XX/XXXXis not mine I mailed a dispute to let them know I did not do this and its on my credit XXXX XXXX XXXX XXXX for {$310.00} XX/XX/XXXX this is not mine. I mailed a dispute to let them know
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY ()

For a month I have been sending messages through the message center to Wells Fargo to close my two checking accounts and savings accounts, that are currently in a balance of XXXX dollars, but the bank has refused to close them to continue charging the monthly maintenance fee of both accounts for having insufficient balance. They charge me {$10.00} a month for each account. I told the bank that I am not in the United States and I have not been able to travel because of the covid but the bank insists that the closing of the accounts must be personal to continue collecting the monthly fee. I can not be forced by the bank to have accounts that I do not want to have.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (IN)

I have paid for credit monitoring services with Experian for almost 2 years. During that time they have failed to correct vast and defaming inaccuracies on my credit report by deleting those accounts. Further, I have paid extra to have my credit score refreshed and provided with option to freeze my credit report. I have noticed within the last 60 days for some the freeze has not completely worked because there are inquiries on my credit report. Delete the following immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (TX)

Experian They have not removed inaccurate personal information from my account that Ive asked to be removed several times months ago. They are not discriminating against me and will not allow me to speak with an actual human about any of this. They are also violating XXXX Id. XXXX ( a ) ( d ) ( XXXX ).
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

As a XXXX  state employee had the unfortunate experience of dealing with Golden 1 Credit Union. Today I spoke to XXXX. I explained to XXXX ( and multiple other mangers in this institution ) that back in XXXX I asked them to place a stop payment on a creditor that I had hired an attorney to help me with. MULTIPLE times they said that they could place the stop payment from this creditor. After completing all of the suggestions recommended by this banking institution. NOT once did it work. Then they tell me that after they filed a claim on my behalf that I an essentially out of XXXX dollars. Also still not trying to accept responsibility for their FAILURE with the stop payments. Horrible attitude on this guy, no compassion, even tried to justify their failure. I mean cmon where is the customer service on this planet. As I have stated previous if the stop payment was effective I wouldn't need to talk to ANYONE ELSE!!! Go figure right??
Consumer complaint received 2020-09-23
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX  XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
Consumer complaint received 2018-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (TX)

XXXX XXXX has sent an invoice from XXXX XXXX XXXX which has several charges that are duplicates or over charges for the same procedures. They seem to be padding their bill, on top of the fact that it was never sent to my address. It also clearly lacks any signature by me. Furthermore, it clearly does not disclose that I am in any way liable for the billing or was ever made aware that I would be. After further investigation on my part, I have found that ; since I never asked for credit from XXXX XXXX XXXX and never contracted to pay them, they have no right to act as though I did! This means they have no right to place it in Collections or place it on my credit reports. In Texas they must have written, contractual, signed permission to inquire of my credit report and to post to it. Further, they have yet to prove they ever sent me a notice, as I have stated numerous times before. In Eastern 's reply to my last complaint, they admitted as much when they claimed they had sent notice twice and made no reference to XXXX 's having done so and on which dates. Never the less, none were ever sent to me.
Consumer complaint received 2018-04-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

In regards to my credit score, Experian has dropped my credit score 20 points from XX/XX/XXXX till now. There has been no change in my credit nor have I endured any more debt. There is one negative report on my credit which occurred in XX/XX/XXXX. There have been no late payments or delinquencies. That being said, I dont understand why this has happened. I have not received adequate information as to why the drastic drop in my credit score. It has gone from excellent to very good which might affect my purchasing power. I would appreciate in information regarding this issue.
Consumer complaint received 2022-11-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

I had lost my job last year in XXXX. Flagstar bank offered me a forbearance and said do not worry, when you are able to resume payments, they will give me XXXX of their reset options. Well now that I have income, they will not reset my loan at all. I call them every single day and they give me different answers each time. It's as if they want me to lose my home. Not even the VA can help. I'm a XXXX XXXX with XXXX children and these guys don't care at all.
Consumer complaint received 2022-07-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (PA)

On XX/XX/XXXX I was sued by Calvary SPV I, LLC on behalf of XXXX for the amount of {$5700.00}. I immediately contacted a consumer debt attorney to represent me. On XX/XX/XXXX, I was served with a notice that I was in default for the amount of {$6000.00}. During this time, my attorney and I were working on obtaining documentation from Calvary proving that they obtained the debt from XXXX. The attorney was not able to help me with my lawsuit and was told that there was nothing he could do and closed the case. On XX/XX/XXXX, I obtained the help of another consumer debt attorney to represent me. Ever since that time, my credit report showed an increase in the total amount owed. My current credit report ( XX/XX/XXXX ) shows that the amount owed is {$6.00}, XXXX.
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Sequium Asset Solutions, LLC (PA)

I keep getting called about a debt for somebody else but they have been calling me everyday for years. Sequium asset solution is the company they say they are located in Georgia. I keep telling them to stop calling me.
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

XX/XX/XXXX To whom it may concern : In XX/XX/XXXX I did a refi of my 30 year fixed rate mortgage with XXXX XXXX XXXX. The refi was a 15 year fixed rate at 3.75 %. At the time that I closed my mortgage payment was {$1000.00}. Two months later the mortgage was sold to Loancare mortgage company. After Loancare took over my mortgage, my payment was lowered to {$1000.00}. 

In XXXX of XXXX Loancare adjusted my mortgage payment to {$1000.00} to adjust for the shortage in taxes and insurance. It was my understanding that at the end of XXXX my mortgage would revert back to the original refi rate. 

In XXXX my mortgage payment increased by {$55.00}. My annual escrow account disclosure statement revealed that there was a {$750.00} shortage. My taxes have remained the same since XXXX and I have not missed a payment. I spoke to XXXX XXXX ( escrow managerXXXX ) and explained my situation to her. She said one of her managers would contact me. I was at a Drs office when they called and asked if they could call later on in the day. I have never heard from them again. I have left several messages for Ms. XXXX but have not received a return call. I have had several other conversations with their customer service department. Nobody has been able to give me an answer about why there was a shortage at the end of XXXX. 

I WOULD LIKE TO KNOW HOW DID I END UP WITH A SHORTAGE AT THE END OF XXXX ( {$750.00} ) WHEN MY TAXES AND INSURANCE DID NOT INCREASE AND I MADE ALL OF MY PAYMENTS ON TIME? 

XXXX XXXX