davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

This is in regards and follow up to CFPB Complaint # XXXX from XX/XX/XXXX. This is a further complaint against the mortgage company and the escrow analysis shortage on my mortgage account. The response they provided did not answer the complaint as to why the escrow account was in shortage and they did nothing about it for almost a year ( I have only had my mortgage with this company for just over a year ). Furthermore there response that the real estate tax and homeowners insurance had increased which also cause the shortage ( which there was no substantial increase to support it ) is a false claim by the company and I would like to know where they received their data. The XXXX annual amount from XX/XX/XXXX, amount was {$2100.00} ; andXX/XX/XXXX, amount is {$2100.00} ; a difference of {$23.00} ( attached ). Nothing significant that would result in this shortage. 

In addition and even more confusing is that on XX/XX/XXXX, I received an email ( attached ) reminder of my payment for XX/XX/XXXX, and it indicated that the current payment I have is due on XXXX?? Yet, according to the escrow analysis and shortage letter I received in XX/XX/XXXX, it said effective XXXX, my new " mortgage '' payment was increased by {$230.00} ( if I could not pay the lump sum ) ; yet the email contradicts that letter? It more clearly states the financial discord that rests within this company. 

I have been trying to work with this company since they notified me in XX/XX/XXXX, that effective XX/XX/XXXX, I either pay a lump sum of almost {$2900.00} or a monthly increase of {$230.00}. I was willing to work with THEIR ERROR on solutions of a smaller payment spread out over a longer time period ; or take the lump sum out of the interest on the account. I am a faithful consumer to this mortgage, have not missed a payment, and they would not consider this solution or working with me on a fair and ethical solution.. They are at fault for not escrowing the monies appropriately or following up with the consumer that their calculations are off and their financial analysis and reporting are not compliant. There are a lot of reports out about this company about their unfair, unethical, and fraudulent practices when it comes mortgages, escrow accounts, opening false accounts, etc. They have paid in the millions and they are still continuing to do it. I have reached out to Atty General XXXX XXXX 's about this matter and they recommended I contact the CFPB, and I have reached out to MA Senator XXXX XXXX about this matter ( and she herself as gone after this company for their fraudulent practices ). I am single mother of XXXX children and to impose this practice without valid and honest reasoning is unethical to the core.
Consumer complaint received 2019-07-20
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. (VA)

Sent 2 letter certified with no answer .. XX/XX/XXXX and XX/XX/XXXX with the follow information about my fair credit act, section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Dear Credit Bureau, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report.

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS 1.  XXXXXXXX XXXX XXXX XXXX - {$2300.00} Revolving Negative 2. XXXX XXXX XXXX XXXXXXXX XXXX Revolving Negative 3.  XXXX XXXX XXXX USA XXXX XXXX XXXX - Revolving Negative 4. XXXX XXXX XXXX - XXXX Loan - Negative 5.  XXXX XXXX Revolving Negative 6. XXXX XXXX Revolving Negative 7. XXXX XXXX Revolving Negative 8. XXXX   XXXX Revolving Negative 9. XXXX  XXXX, XXXX City of XXXX XXXX XXXX XXXX that are NOT valid 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  - CARD SERVICE - XX/XX/XXXX 5.  XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX 7.  XXXX - XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information within 30-45 days, please  remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN XXXX DOB XX/XX/XXXX
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To whom it may concern, Thank you for taking the time to read my complaint. My name is XXXX XXXX, and I have some student loans with inaccurate information, my account number is DEPT OF ED/XXXX # XXXX, # XXXX, # XXXX, # XXXX. After checking my credit report, I discovered a late payment was reported on XX/XX/2016.
Consumer complaint received 2019-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (NC)

I have an inquiry from XXXX made on XXXX 2022 on my file. I have never applied for a card from XXXX XXXX or XXXX. I want this fraudulent activity removed.
Consumer complaint received 2020-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TN)

ON XX/XX/2020, I SENT 2 LETTERS TO MIDLAND FUNDING LLC CONCERNING SOME ALLEGED DEBTS OF : {$820.00} AND {$470.00} THAT I DO NOT OWE.THEY HAVEN'T RESPONDED TO MY COMPLAINT AS OF YET AND I HAVE ATTACHED COPIES OF THE LETTERS SENT.
Consumer complaint received 2019-07-20
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

I keep receiving debt collection attempts for a utility bill from a company name XXXX XXXX XXXX under accout number XXXX. I have never had any business with that company, they do not provide services in my resident area and I have never lived in the area they are located. I keep receiving letter from a debt collector company online information services which I do not know. 
I talked directly to XXXX at that company and she told me the case was closed. I submited a id theft report as well. 
They keep sending me letters for a debt I do not owe
Consumer complaint received 2019-07-20
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. (MA)

Good evening, I have disputed and sent this to the attached credit bureau and my account still hasnt been updated. Im requesting your help to have my credit report updated immediately. 

Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX Unauthorized Account I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed accounts that I don't recall authorizing. I understand that you shouldn't be allowed to put any inquiry on my file unless I have authorized it. Please have these items removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court order The following accounts are related to none of the aforementioned permissible. 


XXXX XXXX ( XX/XX/XXXX ) Please remove these account above from my credit report immediately. I have enclosed a copy of my identification as proof of my identity. 

Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

I was hospitalized on XX/XX/2017, I XXXX XXXX XXXX and had to have XXXX XXXX. As a XXXX XXXX I am aware of the policies in a hospital. I was brought in via ambulance and was sat in the waiting room for over an hour while my XXXX XXXX XXXX XXXX and I was XXXX. This is a direction violation of federal law EMTALA The Emergency Medical Treatment and Active Labor Act. I immediately notified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   and that I was unable to sit up, this was also conveyed to the nurses, yet I was placed in a wheelchair and sat beside a trashcan in the waiting room because " their XXXX XXXX patients were occupying the ER rooms '' After waiting for an hour in immense pain I asked for a cotton swab and band-aid to remove IV so that I could be taken to receive proper care before I XXXX XXXX XXXX XXXX.   Per their ER MD, had I not raised sand and gotten back there, I could have possibly lost my life. As a XXXX XXXX I was truly disgusted & appalled at the behaviors of the medical staff at this facility. I feel extremely saddened that there are patients that receive this type of care and no one is there to advocate for them. The hospital was paid by my employer & insurance company XXXX and I had to pay a XXXX co-pay. Due to the services received, the negligence of careless, insensitive staff, the violation of federal law, I am not obligated to honor this debt they insist I owe. 
Please take these factors into consideration as I am unable to pay this debt. Thank you for your time.
Consumer complaint received 2019-07-20
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. (CA)

I am in the process of obtaining a VA Home Loan. 
Loan application pulled credit Reports from XXXX XXXX, Equifax The Equifax report and credit score were blank. No Credit history was displayed. 

I called Equifax on XXXX to find out if there was a credit freeze. Was informed NO, that is not the problem. There is no information on my credit file. Person on the phone said that none of my personal answers matched the information they had on file. 

XXXX ID : XXXX informed me to send photocopies of Driver License and Social Security Card to Fax XXXX Include cover letter with name, address phone # and reason for sending fax. It would take 5-7 days. 
I sent fax on XXXX XXXX XXXX Called on XXXX to inquire if my credit file was fixed. Equifax rep told me yes, we will send you a copy in the mail. I accessed my file on-line and it is still blank. 

Called again on XXXX. Was informed by Equifax representative XXXX ID : XXXX, that there is no record of my faxed information. I should have put Attention Dispute Department on my Cover letter. I should send the fax again. 

I am getting the runaround trying to obtain my credit file from Equifax. This is holding up my VA Home Loan.
Consumer complaint received 2019-07-20
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. (WI)

Under Section 611 ( 5 ) ( A ) of the FCRA the 3 main credit bureau 's Equifax, XXXX, & XXXX are all required to promptly DELETE all information which can not be verified. 

I have done everything humanly possible to rectify this error on my credit file. This is the last straw before a lawsuit. 

Account Name : XXXX XXXX XXXX XXXX is falsely reporting on my credit file and also made a notation to the CFPB on XX/XX/2019 that this complaint does not belong to them. So if this is the case why are you still reporting them on my file? 

Address : XXXX XXXX XXXX  XXXX XXXX, XXXX, WI XXXX or XXXX XXXX XXXX XXXX, XXXX, WI XXXX I want this Unverifiable and erroneous information off of my consumer credit file with in 30 days or I will take Equifax Inc to small claims court and sue for actual damages, including court costs, attorneys fees, lost wages, libel, defamation and intentional infliction of emotional distress. 

Just to be clear your actions are truly outrageous I will seek to also recover punitive damages meant to punish malicious or willful conduct. Under the FCRA, the court decides the amount of the punitive damages. 

I am using this CFPB complain as a portion of my lawsuit as well. 

You can resolve this very easy by deleting this item off my credit file ASAP. 

Please resolve this issue as soon as possible, thank you.
Consumer complaint received 2023-04-01
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. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-09-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

On XX/XX/XXXX, a XXXX line of credit was obtained from Suntrust with my commercial building used as collateral. A deed of trust was filed against the property in the amount of XXXX On XX/XX/XXXX, the line of credit was increased to XXXX. The same property was again used as collateral. A new XXXX deed of trust was recorded on the property. 

The original XXXX deed of trust was never canceled as it was suppose to have been when the second deed of trust was recorded ; leaving two outstanding deeds of trust on the property- a first and second lien. 

On XX/XX/XXXX, I received approval to refinance the existing XXXX loan with another bank. When a title search was performed by the closing attorney, it was recognized that there were two deeds and two liens filled by Suntrust- but only one existing mortgage. 

The closing attorney and related title insurance company has stated multiple times that the loan can not close until the first lien is canceled ; as the title company needs to be assured the new bank will be in first position. Paying off the second lien, with the first Suntrust lien remaining would mean the new bank would be in second position behind Suntrust first lien which should not be there in the first place as there is no related loan tied to the lien. 

Numerous calls and in person visits have been made to Suntrust requesting the bank to fix their error and release the first lien, which should have been released at the time the new second deed was recorded. 

Each request, I was told we will Look into it and get back with you. This has been going on for over a month. I have had to delay closing on my new mortgage multiple times due to Suntrust not releasing the lien. 

Suntrust will not release the lien, or provide a payoff. Conversely, they are maintaining a lien on the property without justification. 

This has cost me in higher interest costs and hours of my time.
Consumer complaint received 2019-07-20
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. (PA)

XXXX XXXX XXXX is reporting that it is late. Balance is reporting {$920.00} and the balance is currently is {$580.00}. I dispute it multiple time with Equifax
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (WV)

XXXX XXXX XXXX XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT & MY DISPUTE LETTERS I HAVE SENT THAT THEY IGNORED TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC (CA)

XXXX at XXXX First called my son XXXX XXXX and discussed my account and he then emailed my son and shared MY personal information and then my son emailed the information to my boyfriend. Capital link management has no right doing this to me!
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

Incorrect/wrongful info reporting to credit bureau, Inappropriate methods for debt collection ( including lies ),  breaking an agreement for paying debt. My company XXXX XXXX has two ( 2 ) credit card accounts with American express with existing balances. We were in negotiations to pay those balances and always were clear of the intensions to pay them in full. In XX/XX/XXXX and in XX/XX/XXXX we've made in agreement and make 2 payments total of  {$8000.00} ( {$4000.00} for each account ) in order to prevent those accounts to fall into collections, as we agreed. On XX/XX/XXXX ( 6 days after the payment ) American express broke our agreement and reported to XXXX Credit Bureau this account as personal collection account for me, ( XXXX XXXX ), as a guarantor with delinquency of 90 days or more!!! This is ridiculous since it based on misleading information - First : 90 days or more delinquency is wrong reporting ( last payment date is XX/XX/XXXX, business has made two ( 2 ) payments in two ( 2 ) month, that's 20 % of the total balance ) ; Second : An agreement has been broken by American Express or their representatives, they lied to me promising that in exchange of the payments keep accounts out of collection and even refund late fees and reopen one of the account ; Third :  since business has paid last month that couldn't be reported as personal debt, I'll take responsibility if it's not paid.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Each month when my bill is due, for the past three months Ive logged on to Capital Ones mobile application and the AP does not allow me to pay my bill. Ive logged in to the website after and experienced the same issue. Im then charged a late fee of {$38.00}. Not only has this happened but what has also occurred is I forgot to log back in and missed a payment. Ive called and been on hold for a long period of time before even being able to speak to someone. Capital One is using people with lower socioeconomic standing to pay fees across the country in this way.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX DOB XXXX SS XXXX I have a ton of addresses that are not mine and are not correct. 
XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Consumer complaint received 2018-06-26
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. (GA)

I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXXXXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that XXXX, XXXX, and TransUnion investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (LA)

Carmax XXXX XXXX is reporting a billing error. You can not report income on a consumer report and it must be excluded pursuant 15 usc 1681a ( A ) ( 2 ) ( I ) of the Fair Credit Reporting Act.. A charge off is a loss or expense. I am requesting to see proof of a 1099C form. Reporting unfair and inaccurate information on my consumer report has ruined my reputation and violates 12 cfr 1022. I do not agree.