davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX Bankruptcy : Discharged XXXX XXXX Bankruptcy : Discharged XXXX XXXX
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MI)

Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (MD)

I have a mortgage with Nations Direct Mortgage , LLC. The loan number is XXXX, the property address is XXXX XXXX Ct, XXXX, MD XXXX. 

Nations Direct Mortgage is the loan originator and servicer, the lender is XXXX XXXX 

I am filing complaint against the loan servicer, Nations Direct Mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. Their customer service number is XXXX Facts : 1. I filled mortgage forbearance for the loan in XXXX. 
2. I received a letter from Nations Direct dated XX/XX/XXXX. In the letter I was told that youre approved for a Trial Period Plan to modify your mortgage payment. During this trial period plan, you will be required to make three monthly payments in the amount of {$2900.00} each. 
3. Since then I have been paying {$2900.00} monthly until this month, XX/XX/XXXX. 
4. I called Nations Direct many times asked the final modification of the mortgage. The first call was on XX/XX/XXXX, I was told that Nations Direct would send formal modification document after the trial period. The last call was on XX/XX/XXXX, and I was told that the modification was still under review. 
5. Around XXXX, XXXX, Nations Direct reported to credit bureau a negative record for this loan, significantly damaged my credit, this record is groundless. 
6. Early this month, I sent a letter to Nations Direct via US mail, asked Nations Direct for ( 1 ) remove the groundless record from credit bureau. ( 2 ) Finalize the still under review process.

7. Today, I received a letter from Nations Direct, notified me appraisals developed in connection with a loss mitigation application. 

I am filling the complaint and want 1 Nations direct finalize review for notification process, approve or deny, and give me the reasons.

2. Remove the negative and groundless record regarding this loan from credit bureau.

Thank you XXXX XXXX XXXX XXXX Ct XXXX, MD XXXX XXXX XXXX
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

PHH Mortgage Services/ XXXX XXXX XXXX XXXX To whom it may concern, Upon running title on XXXX XXXX XXXX XXXX XXXX NY XXXX it has been brought to my attention that XXXX XXXX XXXX PHH Mortgage Services has never had ownership or assignment of the current Mortgage or Note on this property in XXXX  XXXX name and has been collecting and servicing this loan. 

I also have ownership on this property, XXXX XXXX Attached is XXXX XXXX legal guardians authorization as well as title search for me to discuss this issue with your legal department ASAP. XXXX XXXX. 

Attached please find title search reflecting this fact.
Consumer complaint received 2021-02-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Open Road Finance Corporation (FL)

I requested a loan from Open Road Finance. 
On there web site it states easy, fast motorcycle loans. I was pre-approved through their website. 
When I called the company to accept the loan I was told they only finance XXXX XXXX through their approved XXXX dealer and they could direct me to a dealerships they work with. 
The advertising is misleading. It seems like a scam to me, they must be getting kick backs from dealerships for directing people to their dealerships. Very deceptive advertising. 
Their web site should state they only finance XXXXXX/XX/XXXX at dealerships they approve of. 

https : //www.openroadfinance.com/
Consumer complaint received 2019-04-17
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)

A dispute was filed with XXXX, Equifax and XXXX regarding a Fraudulent Account that was opened in my name. The account and credit card was opened by XXXX XXXX XXXX and listed on my report as delinquent. The account was opened in XX/XX/XXXX and I discovered I had a delinquent account on all 3 credit bureaus in XX/XX/XXXX. I immediately filed disputes and put fraud alerts on my reports. XXXX immediately removed this information from my report. XXXX and Equifax have not removed the fraudulent information. XXXX XXXX XXXX sent me documents with the phone number and email address that the account was opened with. Neither of them are mine. I have filed an identity theft report with the FTC and have filed a Police report with the local department where this was done.
Consumer complaint received 2019-04-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I am trying to remove the insurance I pay for the lender on my home loan. 
Wells Fargo will not let me get a new appraisal on the house. 
The only one they will consider is the appraisal from the date of closing. 
I have had this loan for 6 years.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MN)

My loan was recently transferred to flagstar bank, I paid my XXXX payment, and clicked the enrolled in autopay button. After clicking the button, I received this message : AutoPay will be available when your next payment due date is after today 's date. 

I got a text this month after the payment late fee date that I did not pay on time and received a late fee. When I called and contacted the bank, and let them know Autopay should be setup, they said it wasn't. I shared my screen with them, and they said you didn't enroll in Autopay, even though the message above was flashed. My bank account information is store, so Autopay was enacted. They received to current their late fee or make any attempt and helping a loan which was involuntarily transferred to them, even though my efforts and understanding was XXXX setup autopay. As a result, they refused to remove the {$84.00} late fee for their organization 's missleading website.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XX/XX/2022 I mailed Equifax a letter with a copy of my state ID asking them to send me documentation on 4 inaccurate accounts being reported on my report. When I disputed them, they were verified by Equifax as valid. It is now XX/XX/2022 and I have not received ANY correspondence. These accounts are inaccurate and are defaming my character and I would like them removed from my credit.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NM)

For over a year Ive had issues with XXXX XXXX ( which services two of my store cards ) and their system processing my checking account with payments. Ive called the company multiple times, explained the issue, and been asked several times if my account information is correct. After assuring them multiple times that not only is my account information correct, but that I have no issues using it for any other bill payments, the company often has allowed me to use a debit card without paying an extra fee. Last time I called to resolve the issue, the service rep on the other end told me Well, its not late yet and said she couldnt do anything and I should call my bank to see if anything has changed ( it has most definitely not ). Ive now fallen behind on the payment due to the inability to use my checking account information and I am receiving nearly 20 calls a day from their system attempting to get in touch with me about it. Today was the final straw when between XXXX and XXXX I received 13 calls from them.
Consumer complaint received 2023-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (AR)

Subject : Complaint regarding repossession of vehicle by Wells Fargo in XXXX Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the repossession of my vehicle by Wells Fargo XXXX XXXX. I recently became aware of a class action lawsuit related to this matter, and the XXXX verdict for settlement and I am seeking resolution and appropriate action through your esteemed organization. 

In XXXX, my vehicle, XXXX XXXX XXXX, was repossessed by Wells Fargo under circumstances that I believe may have violated consumer protection regulations. The repossession has caused significant financial and personal hardship for me and my family. 

Today, I took the initiative to contact Wells Fargo in order to address my concerns. However, the representative I spoke with stated that they would contact me only if they determine any wrongdoing on their part, and that no further action was required on my part. Surprisingly, she did not request any information from me or document our conversation. 

Given the gravity of this matter, I strongly believe it is crucial for the CFPB to investigate the repossession of my vehicle by Wells Fargo and ensure compliance with applicable laws and regulations. I kindly request that you thoroughly examine my case and take appropriate action to address any potential misconduct or violations by Wells Fargo. 

I appreciate your attention to this complaint and your commitment to protecting consumer rights. I trust that the CFPB will diligently investigate my case and take appropriate steps to ensure justice and fair treatment for affected consumers. 

Thank you for your prompt attention to this matter. I look forward to a timely response and a resolution that upholds the principles of consumer protection. 

Sincerely, XXXX XXXXXXXX
Consumer complaint received 2022-10-12
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (OH)

I received a collections letter for a 6 year old medical debt. Besides being right at the statue of limitations for collections in Ohio the bill is a billing error on behalf XXXX XXXX provider XXXX XXXX XXXX. I have confirmed with my insurance carrier, XXXX XXXX, the the physician never billed my insurance. Upon calling XXXX hospital   billing to rectify this, I was informed that ER doctors perform their own billing. I am not responsible for this billing error. The physician can not provide any statements proving they billed my insurer and therefore are attempting to collect from me to cover their error. I was also advised in writing, by the collection agency, that consumer reporting agencies have been notified of this collection and ruining my good credit.
Consumer complaint received 2019-04-17
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. (CA)

there are two inaccurate and fraud account reporting under my equifax credit bureaus, i have disputed several times and they are not helpful at all, they have been giving me attitude and not even disputing or disputing inaccurately, please help me in this situation. 
i will be attaching the documents that shows the account number and the creditors name as well as the account number. 
appreciate you consideration to help me in this situation thank you
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IA)

I upped the coverage on my property as my agent and I agreed that I was underinsured for replacement value. This took place XX/XX/XXXX with XXXX XXXX via XXXX messenger. The policy remained with the same company, XXXX. To my knowledge after accepting the binder, that was the end of it. Fast forward to Monday, when we reached out to farmers to file a claim for hail damage XX/XX/24. Between multiple calls to them we are informed that our policy was canceled due to nonpayment! Nowhere in the past 3 months was I EVER contacted by anyone in regards to this, mind you the difference in premium was XXXX dollars. XXXX claims to have sent request fkr payment 3 times. Freedom mortgage on calls today said they had no correspondence related to this. As it sits, I am told I am high and dry with a huge hail damage claim that XXXX is saying I am not covered on.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Inaccurate reporting. XXXX Account is listed as a charge-off for both Equifax and XXXX, however reports a balance and past due balance. A balance can not be reported an a charged-off account and the reporting is inaccurate.
Consumer complaint received 2019-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry 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 someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Consumer complaint received 2019-04-17
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. (NC)

My social security number is being misused and sold on the black market by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX This has led to the misuses of my social security number and various accounts being opened in my name that were not authorized by me. These are the accounts on my credit that are invalid XXXX XXXX Opened XX/XX/XXXX for {$520.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX for {$300.00} These accounts are fraudulent and must be deleted
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America is claiming that I owe them {$740.00} due to a " duplicate deposit. '' On XX/XX/2019 I made a mobile deposit that cleared my account. Over a week ago I was in the process of making another deposit and noticed my account was overdrawn. I tried contacting Bank of America by calling the XXXX number and was told I needed to visit the branch because they were not able to provide me with an explanation other than a duplicate deposit was made. I was finally able to obtain a local number and called them and they insisted I needed to come in. I took time off of work and met with a representative which is stating that the same check was deposited on XX/XX/XXXX and that XXXX XXXX XXXX ( issuer ) have retrieved this amount from BOA because this check had already been paid. My employer contacted XXXX XXXX and was told that this check was only claimed on XX/XX/XXXX and they do not have any record of the check being cashed twice. I relayed this information to BOA and they continue to fail to provide me proof that this check was credited twice to my account and thus justify this debit or chargeback on the XXXX. I did not receive this money twice, it does not appear as a credit or deposit twice and actually was just notified this week of the issue in writing by BOA after I expressed the concern. Now, I have automatic debits going into my account for which I am incurring overdrafts charges for because I refuse to deposit my payroll in this account. BOA continue to take my money without an explanation and/or correction of this error. My account was not credited twice for this amount nor does XXXX XXXX show that this check was " cashed '' twice. I have made multiple attempts and I have taken time off of work to address this with BOA to no avail. I respectfully request your assistance with this issue.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CT)

XX/XX/XXXX - Collections from Rash Curtis & Associates from XXXX, CA shows up on my credit report. I have never been contacted by these people. 

XX/XX/XXXX - I call them and request my account information. I give them my new mailing address and request a physical copy of my account information so that I can determine if the debt is mine. They also email me a file, but the email ZIP file is corrupted and doesn't open. They tell me over the phone that the debt is allegedly from XXXX XXXX XXXX, but I have lived out of state for nearly two years and nobody from XXXX XXXX XXXX ever contacted me despite having both my phone number and email address. 

XX/XX/XXXX - Nothing has come in the mail. I email client services and request a new emailed account information and ask about the status of my physical copy. They do not reply. 

XX/XX/XXXX - I call and ask about the status of my physical mail and they have not sent to the new address I gave them. They try to bully me into paying right then and there saying they have an EOB from an insurance company and give me the date of the care that allegedly happened. I say that I do not recall what insurance I was using at the time and that I want my physical copy of my account information. The representative hangs up on me. I call back and talk to somebody else. They pressure me to pay as well and send me another email attachment that doesn't open.
Consumer complaint received 2019-04-17
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. (NC)

XXXX is reporting incorrectly to XXXX and Experian an account balance of {$2300.00} on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OH)

I received a collections letter for a 6 year old medical debt. Besides being right at the statue of limitations for collections in Ohio the bill is a billing error on behalf XXXX XXXX provider XXXX XXXX XXXX. I have confirmed with my insurance carrier, XXXX XXXX, the the physician never billed my insurance. Upon calling XXXX hospital billing to rectify this, I was informed that XXXX doctors perform their own billing. I am not responsible for this billing error. The physician can not provide any statements proving they billed my insurer and therefore are attempting to collect from me to cover their error. I was also advised in writing, by the collection agency, that consumer reporting agencies have been notified of this collection and ruining my good credit.
Consumer complaint received 2023-07-06
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX