davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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: THE GUERRINI LAW FIRM (CA)

I do not believe that I am the original debtor. I am requesting that XXXX validate the debt and provide the original documents. 

Fact - background In XXXX  of XXXX, I was informed by my employer that XXXX XXXX was planning to garnish my wages and provided me with a court date that was within the same week. I was never called or given notice via mail of the pending legal actions ( I recently became aware that they were sending information to an address in XXXX where I have never lived ). I reached to XXXXXXXX XXXX XXXX  to inquire about the hearing and to inquire about the debt prior to the hearing but no one returned my calls. 

I appeared without an attorney and not knowing the process and between the judge and the attorney I was not able to get a word in edgewise to inquire about the details of the debt. I have student loans from graduate school that I am responsible for so thought, in error, that they can't garnish my pay if it was not my debt. In the hearing I was ordered to pay {$500.00} a month. 

I became XXXX in XXXX of XXXX and contacted the XXXX XXXX XXXX  at least 10 times to make lower payments. I spoke with a paralegal by the name of XXXX, I contacted XXXX XXXX at XXXX XXXX and finally and Attorney at XXXX named XXXX, none of whom addressed the issue of confirming the debt nor returned my call with any resolution, nor accepted lower payment arrangement request. 

XX/XX/XXXX my bank account was levied for {$11000.00} ( which was money from my XXXX claim ) and again I never received a call or notice at my home on XXXX XXXX, where I have lived for 19 years! I contacted XXXX XXXX of XXXX to report that XXXX XXXX was not responsive to my calls and request and that again they DID NOT NOTIFY OR CALL ME to inform me of any pending court action. 

This is when I asked XXXX XXXX to verify the contact information that he had for me and to verify the debt. He proudly gave me XXXX XXXX XXXX XXXX, XXXX, CA XXXX as the address where they served documents and he mentioned that the debt originated in XXXX. I informed him that I have never lived on XXXX XXXX and I had been at my current address for over 19 years and that I completed graduate school in the late XXXX 's and did not take any student loans after XXXX. 

I believe that this loan was taken out by fraud in my name by someone living at the XXXX address or erroneously applied to me through administrative error. 


I request that XXXX validate the debt and show original documents. 

I can be reached at XXXX. Via telephone at XXXX and mail at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (NC)

on XX/XX/2022 i spoke with XXXX on behalf of equifax Id # XXXX. she refused to accept my passport card and ftc report to have fraudulent accounts removed and said she would only do so if i sent my social security card in to them which i said was personal.
Consumer complaint received 2022-04-11
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. (TX)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # 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 2019-08-07
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. (TX)

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.
Consumer complaint received 2022-04-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

I have been working with a HUD counselor since XX/XX/XXXX to complete a Partial claim modification with my mortgage company, Flagstar Bank. I was approved for the modification in XX/XX/XXXX and sent paperwork. After review by my HUD counselor he determined the structure of the modification was not accurate and I was not given the full partial claim and that my payment was too high and not affordable. We have been trying to resolve this for 5 months now. I have asked Flagstar for a review of the terms and to adjust the terms pursuant to FHA/HUD guidelines of the the Partial Claim Modification guidelines and they have done nothing but ignore my request. These request require that Flagstar Bank acknowledge me within 30 days and not once during this process has anyone from Flagstar communicated with me. I have now been sent a default and intent to accelerate notice. Below is the breakdown of events noted by my HUD counselor : 1 ) XX/XX/XXXX mod offer not accurate 2 ) sent QWR ignored for 2 months, denied assistance told he didnt want help 3 ) notified servicer of error that they did not review clients file, they acknowledged mistake and re-opened file XX/XX/XXXX and it should take a month to make a decision 4 ) calls from homeowner and myself to confirm review was taking place XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, we were told on numerous occasions that his situation was escalated and being looked at 5 ), call again yesterday XX/XX/XXXX to check on status of re-review rep told us mod was denied as PI increased, let her know this made no sense as initial complaint was to utilize full amount of Partial Claim 6 ) this is the reason for our contact to you, FHA/HUD to escalate this issue and help mediate the situation as there is still no resolution My HUD counselor has stated he has never worked with a Mortgage company like Flagstar that ignores the laws and guidelines set forth by FHA/HUD to support and assist consumers. Flagstar is negligent and ignoring my rights and is intending to foreclose on me. I am permanently XXXX and my wife and I are on a fixed income. This is why the full Partial claim modification is so important. If Flagstar does the numbers correctly within the guidelines I can afford to stay in my home. 
Please help...
Consumer complaint received 2024-05-01
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: EQUIFAX, INC. (MD)

First and foremost, they hire complete incompetence that can not assist with anything. LET ALONE the fact that I stated what was needed from the very beginning. Can't get past incompetence to get the issue resolved. INTENTIONAL! 

Second, I have submitted the same exact disputes multiple times dating back almost 3 years. The information I provided was accurate and true. All statements, all notations, and a large majority of my credit statements were altered, delated, and/or modified without my consent. And I can tell it wasn't the creditor that did it. Creditors have disappeared off of my account. Especially, my mortgage. That is a government cover up! My mortgage servicer was sued by my state of Maryland for alleged fraud. A year after I filed my unemployment cases from XXXX, I was informed by a supervisor from the Department of Labor that my account was marked as fraudulent with zero notification or any reasoning for marking as such. It wasn't fraudulent. The only thing that was fraudulent was I reported to the Inspector General and Directors of government agencies that the only piece of documentation that was used in my assistance determinations was my XXXX XXXX mortgage statement. They did not include any of the other documentation of all my other bills ( utility, etc. ) in those determinations for decades. Along with XXXX XXXX assistance and child support ( for an absent parent on XXXX XXXX  ) never received and in a second mortgage as documented in my HUD form provided to them from the now sale of my property. And individual statements and information on my consumer statement continue to disappear off of my report that need to be there. As it is illegally and intentionally being reported as adverse and negative impact on my report that should not be. 

THE TRUTH IS I DID NOT RECEIVE PANDEMIC ASSISTANCE AND ZERO UNEMPLOYMENT STILL OWED TO ME IN FULL. I COMPLETED ALL DOCUMENTATION AND STATEMENTS NEEDED TO RECEIVE MY UNEMPLOYMENT TIMELY. NOTHING would have gone delinquent had I received my money and/or employment. There are no jobs. AS YOU CAN SEE, only incompetence is being hired to resolve NOTHING! 

MY CREDIT REPORT CONTINUES TO BE INACCURATE AND FALSELY BEING REPORTED CAUSING DETRIMENTAL EFFECTS IN A DISCRIMINATORY AND RETALIATORY MANNER!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm trying to XXXX or access my XXXX and I'm being denied because the XXXX XXXX has XXXX XXXX loans I have for a XXXX XXXX listed under XXXX or XXXX XXXX loans. They company says they do not have XXXX on my XXXX yet that's how it looks. It also looks like my XXXX was late but I have never been late on my XXXX I was late on XXXX loans in XX/XX/2023 but caught up in XXXX. I'm struggling here trying to these all up to date but the XXXX XXXX and specifically this error is affecting my chances. Please help.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lincoln Educational Services Corporation (NC)

The credit bureaus continue to allow Lincoln Tech to report a {$3600.00} collection account on my credit report, when the debt does not exist. I have contested the debt with Lincoln Tech and demanded documentation to show that I have any debt with their institution. Despite multiple requests, they have yet to provide any of the documents requested. Meanwhile, I continue to contest the debt with the credit bureaus, but they just keep verifying the debt to them. I sure would like to see what they're sending to the credit bureaus to verify this bogus debt, because they refuse to send me anything about it.
Consumer complaint received 2022-04-11
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 account # XXXX has violated my rights. 

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

15 U.S.C 1681 A section 604 A. Section 2 : its also states a cunsumer reporting agency can not furnish a account without written permission instructions. 

The following accounts below are on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX Inquiries : 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 2017-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I XXXX XXXX has sent numerous documents to Wells Fargo and the credit bureaus, proving I am the victim of identity theft. XX/XX/XXXXWells Fargo finally replied to XXXX XXXX after months and months of requests for validation of the above listed debt. We are responding to a few inaccurate assumptions made by them in their verification/ debt validation reply. 

In XX/XX/XXXX I traveled to XXXX from XXXX, did not return to the United States until XX/XX/XXXX. The E-ticket attached proves this point. We believe it is a physical impossibility for her to be in two places at the same time. 
2. Page 4 has a credit card statement ( please see attachment ) For an XXXX XXXX residing at XXXX XXXX XXXX # XXXX XXXX CA XXXX 
3. Page 5 has a credit card statement for the same individual residing at XXXX XXXX XXXX XXXX CA XXXX. 
I have never resided at either of these addresses. Please see the attached utility statement document for proof of residence during that time period. 
I find it hard to believe Wells Fargo would allow a credit customer to have two different billing addresses for the same account. 
I would also like to point out that the Police reports filed, and sent to Wells Fargo did not show either of those manufactured addresses.
Consumer complaint received 2022-08-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo bank is not paying my taxes or insurance from my escrow account. I have called to try and get them to pay my taxes and they say it will be paid but it is past the due date. I have had to pay may taxes and insurance myself because they give me the run around every time I call. 

I have paid the taxes and insurance payments since my account was sold to Wells Fargo.
Consumer complaint received 2022-04-11
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. (TX)

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 rights to privacy.

15 U.S.C 1681 A section 604 A. Section 2 : its also states a cunsumer reporting agency can not furnish a account without written permission instructions. 

The following accounts below are on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX  Inquiries : 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 2024-06-01
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NV)

In XX/XX/XXXX, I was awarded a new Living Spaces account through Synchrony Bank which was 18 months NO INTEREST. A friend brought my attention to one of his XXXX agreements where they changed ( rather, added ) interest fees to a no-interest promotional purchase at {$2.00} per {$100.00} balance. My agreement had the same note, and said the charges would begin XX/XX/XXXX, and that I could opt out of the new changes but would not be able to make any new purchases on the account. But they've already retroactively charged this fee for the last two months on my account. 
PLUS they have added a {$2.00} paper statement fee to my account when I have opted for electronic communication! This feels like a breach of contract.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America been a customer for 15 years. On XX/XX/2022 I took XXXX XXXX  all hundreds to the bank to deposit. I used the ATM you can deposit up to 75 bills at a time. First deposit was {$4400.00} no problem second deposit was for {$7500.00} machine stops working and spits out receipt that reads second deposit credits me {$3700.00} a difference of {$3800.00} ... We apologize for the inconvenience. we created an issue record that will be attached to your transaction. Please retain your receipt until you have spoken with an Electronic claims associate. they can be contacted at phone # to resolve the issue. I call no problem sir they put the {$3800.00} in my account within 48 hours it took 96 hours but everything was correct so I was fine. Then on XX/XX/2022 I get a letter stating they only found {$800.00} of my {$3800.00} and that they would be taking {$3000.00} from my account on XX/XX/XXXX and the case is closed! So I closed all my accounts asap and moved to the credit union. On XX/XX/XXXX I got a letter that I owe {$3000.00} and my accounts are all closed. I know for a fact I had XXXX XXXX  and came home with {$8100.00} so I deposited {$11000.00}. Bust out the cameras and see me in court!
Consumer complaint received 2020-02-10
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: Experian Information Solutions Inc. (AR)

Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX   XXXX {$3500.00}
Consumer complaint received 2015-12-20
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I started receiving many calls from numbers I did not recognize. It is an issue in the fact that at times they did not leave a message at all and others, the voicemail that was left did not have anyone talking to me, just noise in the background. On the instances that I have answered any of these calls, the caller recited that it was " a recorded call and an attempt to collect a debt, '' in which I responded by requesting that they stopped calling. These calls have not stopped. I have received them at all hours of the day, sometimes back-to-back.
Consumer complaint received 2024-06-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (MN)

I am writing to file a formal complaint against WESTLAKE FINANCIAL SERVICE. This company may be improperly collecting a debt. Therefore I request all documents of the debt supposedly incurred. In the attached letter you will find more details about my complaint.
Consumer complaint received 2022-08-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

I began talking with my loan company in XXXXXXXX XXXX XXXX regarding my issues making payments. I can not afford XXXX XXXX monthly payments. I told the dealership this and they stated Bridgecrest would be able to work with me on changing my monthly payments and the amount. On XXXX  XX/XX/XXXX I spoke to a representative that was supposed to help me adjust my payments or at least see if it was a possibility. I waited over a week for a response and got nothing. I called again on XX/XX/XXXX and Im being told theres nothing they can do to help. Ive expressed countless times that I am not able to pay XXXX XXXX monthly for the vehicle and theyre refusing to help. Not only that but I was also told for the first time that my car was potentially going to get repossessed because I didnt make a full payment. When I called in XXXX I was told as long as I made a payment of some kind I would be in the clear. Yes Id be behind technically but Im still making payments towards my vehicle.
Consumer complaint received 2022-04-11
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)

This is my XXXX attempt to get this matter solved but I guess my request is just being ignored. The current status and the number of late payments in the payment history is incorrect. I never missed a payment. Experian should provide documentation but they failed to neither verify nor update me about these complaints. I believe the bureau is violating Sections 616 & 617 of the FCRA and has abrogated my rights by reporting false information. Please update or remove the late payments from this account for it has affected my well-being. 

XXXX XXXX XXXX
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (SC)

XXXX was billing me for cable services fraudulently. I did not have any cable services through XXXX at my home residence. I had previously fought with them over these amounts and was actually told I would be getting a refund personally for all the monies I was automatically being charged every month for cable services that I did not have. After months of dealing with this i was told it was taken care of and removed after I showed them proof that i had XXXX services during the entire time in question. I had to actually forward them copies of my bills from XXXX which is did on XX/XX/XXXX. I was told at this point it would be taken care of and removed and for some reason it popped back up on my account in XX/XX/XXXX. I do not owe this company any money they actually owe me refunds for the monies i had paid them automatically out of my account.
Consumer complaint received 2022-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I apply to be in XXXX class at XXXX XXXX XXXX  and XXXX suggtion because of my education was from out of USA and have to Foreigh educatioal credential evaluation trsalation service at XXXX XXXX XXXX. I did pay {$440.00}XXXX XXXX for Foreigh Educatioal credential evaluated complited, But XXXX XXXX XXXX did not keep thire promise and did NOT do the job that what I request list for XXXX XXXX XXXX. I asking to refund and dispute payment from Capital one, the crecit card card did not solve the problem. 

Please help me out with paying {$440.00}., From Cpital one Account # XXXX.plese let me know if you have any question, Thank you in advense for your help and assistancce, Respectfully XXXX XXXX