davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo has been servicing my home loan for the past several years but over the past few years, they have not escrowed my account properly regarding my house taxes. In XX/XX/XXXX, even though the funds were escrowed, I only received a portion of the tax check to pay to the City at the end of the year. I called them several times about it and was always told, " Well, your taxes must have gone up. '' I would tell them they did not and they would say they would look into it. At the end of the years of XX/XX/XXXXand XX/XX/XXXX Wells Fargo paid the taxes in full after my prompting, with the total amount adding up to {$5300.00}. However, now they want the money back in a lump some or for the funds to be added to my mortgage as of XX/XX/XXXX, which puts my mortgage up to over {$1200.00} per month. I can't pay the {$5300.00} lump sum, nor can I afford the {$1200.00} monthly payment. I am afraid I am going to loose my house after living here for almost 13 years. On XX/XX/XXXX, I asked to speak with a manager. I explained the whole thing to a man named XXXX. He concurred that in XX/XX/XXXX the taxes were escrowed and did not know why I only received a portion of the taxes at the end of that year. I also let him know I needed a different option other than paying a lump sum now or my mortgage payment going up to {$1200.00}. He said he would have to look into things and call me back. In fact he said he would call me back the very next day. I waited. He never did call. Today, I called him and left a message and received no return call. Something is very wrong. I think they did some messing around with my account and now they want to get rid of me. I don't want to loose the home I have loved for the past 13 years! I have tried for two years to resolve the issue with them to no avail. Now, I am the one who has to pay the consequences for their lack of customer service and sheer negligence.
Consumer complaint received 2018-05-11
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. (CA)

EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # XXXX XX/XX/XXXX XXXX, response recieved, dated XX/XX/XXXX, no changes XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # XXXX XX/XX/XXXX sent, response recieved, XXXX XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.
Consumer complaint received 2020-09-11
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: NAVY FEDERAL CREDIT UNION (GA)

I sent a certified letter on XX/XX/20 to Navy Federal disputing an account being reported on my credit report as me being an Authorized User on a account, I have never had or been in possession nor asked anyone to allow me to be an authorized user on their Navy Federal account and would appreciate your help in correcting this.
Consumer complaint received 2020-06-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

Contacted by Rocket Mortgage about refinancing my home for a lower interest rate. So i agreed, it started to become a nightmare because they kept checking my credit and my score went down 47 points. I cancelled the refinance and indicated the reason why and asked them to stop checking my credit due to the issue it was causing, they ignored my request and continued to check my credit driving the score even lower. I've emailed them asking them to remove the inquires and was ignored. 

I am not happy with the results of my complaint. It is being brushed off. I want the inquires removed. I have attached documentation to show what occurred. 

Why isn't what i am indicating being ignored and just because they answer with some story the final word. No further investigation, no nothing????
Consumer complaint received 2020-06-05
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)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TOLEDO FINANCE CORPORATION (TX)

After refinancing a personal loan with a Company called Toledo Finance, I was unable to complete my obligation to repay the loan. I contacted them and advised that due to my current financial situation that I was not able to do anything. They said that didn't matter the money was still owed and they would continue contact me regardless if I asked them not to do so. Sometime its 2-3 time a day. I have tried to block their numbers, but somehow they still continue to call and leave messages. What are my options if they will not cease? They say that they have to " work the account '' regardless of my situations.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I paid XXXX XXXX in settlement on an old account. *****************. We entered a settlement agreement of {$2000.00} which was paid in XXXX installments of {$340.00} and {$1700.00}. The credit burea does not reflect these payments or a zero balance.The account has been paid in full. Repeated requests to update or delete has fallen on deaf ears. All documents/cancelled checks have been forwarded to Equifax.
Consumer complaint received 2020-12-15
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-06-05
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)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2022-03-04
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: Consolidated Information Services Solutions, LLC (MD)

On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX initiated a hard inquiry on my XXXX credit report without my knowledge or consent. I called XXXX XXXX and asked about the inquiry, he stated he assumed I was ready to move forward, I asked him how was I ready to move forward if I didnt fill out an application nor did I provide my Social Security number, he could not explain. My last correspondence with XXXX XXXX was on Friday XX/XX/XXXX when I inquired about his company offers and/or incentives, I have not given any one including XXXX XXXX permission or access to run my credit.
Consumer complaint received 2020-12-15
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. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NC)

I had a " loan '' with Affirm processed on XX/XX/XXXX. 

I paid my first payment XX/XX/XXXX I paid late on my 2nd payment XX/XX/XXXX I paid my last payment on time XX/XX/XXXX. 

My credit report shows I never made a payment and still owe
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WA)

To Whom it may concern, DISCOVER XXXX XXXX XXXX XXXX Discover Card is refusing to honor my remittance slip as tender of payment and adjust the balance on my account. 
I made the payment in accordance to UCC article 13, 15 USC 1602 ( l ) 18 USC 8, UCC 3-603, UCC 3-311 . See attached electronic return receipt.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

Dear Sir/Maam I am here by attaching the reply from Experian to the request made by CFPB Case number : XXXX. I have corresponded with Experian and XXXX XXXX XXXX for almost 5 times to remove the collection account. Soon after the CFPB made the request to Experian. Experian updated the Collection to as Paid without removing completely from the account though I have paid in full. Attached are the copies of satisfaction letters with the Receipt. 

I also understand that Keeping the paid collection account will enable easy access through dark web to tap into my bank account, check everyday transactions and sell my information to 3rd party consumer marketing companies and create false utility and electricity bills. I have experienced this from last 7 years. Please enforce Experian and XXXX to remove the account immediately. No body has to buy time to scam online.
Consumer complaint received 2022-03-04
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)

in 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 2022-07-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (IN)

For the past four years, every time I attempted to cash a check at a grocery store ( XXXX ), national chain retail store ( XXXX, XXXX, XXXX XXXX ) that offers a check cashing service I have been denied simply because the " company that verifies information '' flagged my social security number. I can not get approved for a credit card, car loan, home loan, etc due to this company flagging my personal information. 

Then to make matters worse, when calling and attempting to remove the flag on my account I am only allowed to speak to an operator who can only help customers with a select few issues, which of course did not pertain to my situation. 

If you attempt to lie and choose false reasoning for your call, you are then informed that you did not answer honestly or correctly so therefore I will continue to be denied services. 

I feel my rights and privileges of having access to my money are constantly being violated. The number of my credit score does not excuse or allow corporations to deny American Citizens access to funds received from the federal government. That is illegal, and there is no reason or excuse why I am constantly denied access to something given and provided by our government.
Consumer complaint received 2022-07-24
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. (NY)

I sent letters off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2020-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I checked my credit reports and noticed an account for XXXX XXXX for XXXX XXXX. I never received notice of this debt to settle before it reported to my credit and my husband, XXXX XXXX, credit. We were XXXX for some time after he lost his job. My husband, our kids and myself currently reside with his parents and have saved up {$1300.00} to settle.
Consumer complaint received 2018-10-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

I applied for a loan recently with a mortgage company. The LO communicated that I had a collection from XXXX XXXX, a Collection Co. representing XXXX XXXX. It seems the default/loan was made at a time when I was XXXX and I am sure I have never used their services nor have I ever contracted with them. I have made 3 calls to them, each time giving them the account number listed on my credit report and they keep asking me for my SSN, because for some reason they " can't find me '' in their system, giving them my name and the account number THEY are reporting to XXXX XXXX. This debt is simply not mine.
Consumer complaint received 2022-03-04
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)

in 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 2018-05-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Big Picture Loans, LLC (MD)

I received a letter stating Failure To Pay Could Affect Your Credit History. I have never applied for a loan from this company ; and now I have gotten this letter telling me I am past due on my loan payment. My personal information must be used improperly.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

Equifax has ignored my request to delete in accurate information from my consumer report. I am consumer by law and my request to delete the inaccurate information has been ignored by Equifax. They have violated several consumer laws against me. And has caused me financial hardship, by reporting inaccurate information.
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (WA)

XX/XX/2018 - We received a collections letter from National Credit Systems claiming we owe a debt ( see " XX/XX/2018 - Letter from National Credit Systems.pdf '' ). 

XX/XX/2018 - We responded with a letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). 

XX/XX/2018 - We received no reply from National Credit Systems and followed up with another letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). 

XX/XX/2018 - We received no reply from National Credit Systems and  observe that a derogatory debt with National Credit Systems has been listed on our credit reports with the major credit bureaus. We filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and notified the credit agencies via certified mail of the unvalidated and false information listed on our credit reports.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

My Citi Double Cash Card has been compromised and hit with fraudulent charges, and the resolution so far from Citi has been dismal and I fear the card will be consistently compromised leaving me stuck with fraudulent charges. 

XXXX. On XX/XX/2022 I received a fraud text alert from Citi about a {$19.00} charge for XXXX that I did not make. I responded that I did not recognize the charge and called Citi. On the phone the Citi employee assured me the charge will not go through and issued me a new card. 

XXXX. On XX/XX/2022 the fraudulent {$19.00} charge went through on the NEWLY issued credit card. I called Citi again and was told a second new card would be issued and the charge would be removed. The charge has not been removed. 

XXXX. In addition to the {$19.00} fraudulent charge, I now notice a NEW fraudulent transaction pending to XXXX on the second new credit card. 

Citi is issuing new cards yet somehow the unauthorized user ( s ) are receiving the new credit card info simultaneously, this is unacceptable. I want the {$19.00} fraudulent charge removed, the pending fraudulent charge to XXXX prevented, and a new card that has not been compromised before I even receive it in the mail.
Consumer complaint received 2022-03-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC (CA)

Received a letter from Recovery Partners , LLC on XX/XX/2022, that I failed to provide valid insurance information or resolve the outstanding balance on a claim. They have the title as " Driver License Suspension Request and Claim Settlement Offer '' at {$26000.00} which is different from balance due. I was not involved in a car accident where they need valid insurance information, or they threaten they are sending the request to the DMV.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have received several calls about accounts that do not belong to me. I even received a few things in the mail. My personal information has been misplaced since i moved and now i am finding all of this information the first time i try to use my credit. I have not used credit before and i am learning more about it. I have several accounts on my credit report that are not mine in addition to the ones listed Creditor : XXXX XXXX # XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX Debt XXXX XXXX XXXX XXXX XXXX XXXX Personal Information is also fraud /incorrect incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ar XXXX
Consumer complaint received 2022-06-18
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: Bay Area Receivables, Inc (DE)

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, in the amount of {$2400.00} and account # XXXX, in the amount of 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 2022-03-04
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. (GA)

There is an inquiry from XXXX XXXX XXXX XXXX XXXX on my credit report. This is a fraud account. I dont have small business, nor did a apply for anything to do with a small business.