davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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: MIDFIRST BANK (IL)

There is a late reporting fee from XXXX XXXX XXXX XXXX  which is not XXXX XXXX  of a property that I was a cosigner on. The property has since been moved off of my report as I am no longer on the mortgage I would respectfully like that late payment removed from my report.
Consumer complaint received 2016-08-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (NC)

Applying for a mortgage PNC BANK tried to charge me for a simple bank statement. The mortgage company wanted my last 2 months bank statements. They want {$5.00} a statement. {$10.00} total. Threatened them with you- they miraculously waved the fee. Thanks for being thdre
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

I have never made a purchase with this credit card, it was closed not long after it was opened and this debit collect keeps harassing me and calling me about 20 times a day, I already talked to XXXX and was advise I never made a purchased with this card. This is effecting my mental health as they keep calling about a charge I never made. 

XX/XX/2016 {$110.00}
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (WA)

I have problems with Equifax who does not allows to get my credit report with Free Annualcreditreport.com, which one time per year. And I tried to contact them by emails, mails, and phones, but I do not get any respond. When I applied for loans the Creditors pull my credit it still show this problems:1./ Bankruptcy chapter XXXX ( this is more than 10 years already ) 2. Collection fraud, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED CHARGED, account # XXXX {$340.00}. All of these issues need to remove as soon as possible if you can help. These issues against with my Bank 's Loan Proposal. Since you get this message please let me know. My email : XXXXXXXXXXXX and Cell # XXXX
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my Experian Credit Report. Since XX/XX/XXXX I have been disputing XXXX accounts, XXXX XXXX XXXX ( Account # XXXX & XXXX ). On my Experian Credit Report these XXXX accounts show no payment activity and or transactions. Furthermore, the XXXX accounts are more than 7 years old. ( # XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX )
Consumer complaint received 2024-01-27
Product: Credit reporting 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 are accounts listed on my credit report that I am not responsible for. 
1. XXXX Account # XXXX {$9300.00} 2. XXXX  XXXX XXXX  # XXXX {$0.00} 3. XXXX # XXXX {$3900.00} 4.XXXX XXXX # XXXX {$0.00} 5. XXXX # XXXX {$3000.00} 6. XXXX # XXXX {$11.00}, XXXX 7.XXXX  XXXX  XXXX XXXX {$920.00} 8. XXXX # XXXX {$3100.00} 9. XXXX XXXX  XXXX # XXXX {$2800.00}
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I have a Mortgage Loan being serviced by ASC. I have applied for a XXXX Loan Modification in XXXX 2012 - about 4 Years back. I have submitted tons of documents month after month after month. But every time I am getting a rejection or denial for wrong reasons or no reason at all, as happened in the current submission.Case in point, is their latest rejection letter dated XXXX XXXX XXXX ( copy attached ), which gives no specific reason for their denial. However when my 3rd Party contacted them, they say that because, I did not pay the Mortgage payments for over 3 Years, I am not eligible for a Loan Modification. I do not know, where from they are getting this new rule. Is XXXX not devised for people like me who are hard pressed to make the unaffordable Mortgage Payments? Are ASC and Wells Fargo ( the investor ) not participating in XXXX? 
Besides, there is no want of trying on my part, as I have been vigorously following up with them about my modification for the last 4 years or so. In fact it is they who are at fault, in not giving me the Modification and dragging the case on, year after year, despite my full eligibility.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Block, Inc. (MD)

I received a fraudulent 1099 form for tax year 2021 from a company at my home address, with my social security number. The company is Block , Inc., f/k/a Square, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I called the company, it was stated they sent the 1099 because I owned a business. I have never owned a business. I am XXXX yrs. old and XXXX I let the customer service person know and told them I was filing a complaint with the Federal Trade Commission immediately. The form stated : in box 1a on form 1099 Gross amount of payment card/third party network transactions {$1000.00} and listed the number of payments as XXXX. The filer 's TIN XXXX : XXXX, the 1099 indicates payment amounts of $ XXXX - $ XXXX - $ XXXX - $ XXXX & $ XXXX. The account number applied by this bogus company Block , Inc. f/k/a Square IncXXXX to my name is : XXXX. Over 25 yrs ago I had my identity stolen, it was a horrible experience. I don't ever want to go through that again. Please investigate this company and stop them from sending out fraudulent materials to seniors. I'm very upset they have my complete address and social security number, this is frightening
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MA)

Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called LVNVFUNDING directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. 

I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, LVNVFUNDING will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.
Consumer complaint received 2022-09-06
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  # 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 2016-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: West One Capital Group Inc. (CA)

I did not know that there would be an " Early Loan Payoff Restriction '' with my refinance. No one ever spoke to me about it. I was surprised to see this when I was signing the documents in front of the Notary. Several days later, XXXX occurred. So now mortgage rates are even more competitive. Someone told me that this Early Loan Payoff Restriction is illegal. I have an opportunity to refinance at 3 % fixed for 20 years. I am interested in pursuing this option. West One Capital has evidentally already sold this loan to XXXX. So I am wondering if this Early loan Payoff Restriction is legal, will West One pursue it, since they 've already sold off the loan, and if so, why? How much will the fees be?
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

On XXXX XXXX I sent a dispute letter to Equifax certified mail asking them to send documentation and proof of debts belonging to me. Equifax received my certified letter on XXXX XXXX at XXXX after receiving my letter they provided no response and no proof of debts belonging to me. It is now XXXX XXXX, 2015 and the debts are still unverified and have still not been removed for my credit files. Under section XXXX ( a ) ( XXXX ) ( A ) ( I ) they have not provided me with documentation of accuracy of the disputed accounts and all items should be removed immediately. I am asking that they honor FCRA 15 U.S.C. 168li, and remove all unverified account immediately other wise they a continuing to report unverified debts on my credit reports. Attached I provided the dispute letter I sent and the certified tracking card from USPS tracking number XXXX.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (FL)

I refinanced my mortgage on XX/XX/2016 with XXXX XXXX. My original mortgageholder was PHH Mortgage. Because my real estate taxes were due XX/XX/XXXX, both companies paid my taxes, PHH paid them through the escrow they held from my monthly payments. Because the check from XXXX XXXX was received first, XXXX County cashed their check and returned the payment made by PHH Mortgage. This was confirmed by XXXX XXXX County and also by PHH when I contacted PHH Mortgage about the return of my escrow. I was told I would have to wait until it was processed. That was two months ago. I have repeatedly tried to call PHH Mortgage about the return of my escrowed monies and I am unable to reach anyone. They have collected and held my tax money since last year, and while they tried to pay it XX/XX/XXXX, since it was returned to them, this money should now be returned to me.
Consumer complaint received 2015-11-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

My checking account with JP Morgan Chase was in the negative because of XXXX fees in two days. Also I was charged fees the week before and I always have a direct deposit. I attached my statement to show how many fees they charged. XX/XX/XXXX, XXXX fee, XX/XX/XXXX, XXXX fees, XX/XX/XXXX, XXXX fees, and XX/XX/XXXX, XXXX fees. I think this is excessive and I want my money back. It adds up to {$300.00} and I am on a budget, I can not pay that, they will not help me and they were rude on the phone. This has happened to me last year also and I did not get any help then either. I am trying to do the right thing but I can not catch up with them. I had to borrow money to pay them.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

I got a hard inquiry from a company call ed CBNA (    XXXX   XXXX   XXXX   XXXX    )   XXXX   XXXX  SD  XXXX  Date of inquiry  XXXX   XXXX   2017 Was  not authorized.. fraud ..
Consumer complaint received 2022-09-06
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2016-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (TX)

I have XXXX student loans in TPD at NelNet under the 3yr monitoring period which XXXX began XX/XX/XXXX and other XXXX were XX/XX/XXXX so XX/XX/XXXX instead of discharging the XXXX XX/XX/XXXX I was notified that all XXXX were being reinstated so after a couple phone calls helmet put the loans back in monitoring discharging XXXX and leaving XXXX until XX/XX/XXXX. XX/XX/XXXX helmet reported my loans to the XXXX credit agencies but have made a huge error and refuse to fix their mistake. Basically my XXXX loans are reported to experience, XXXX as XXXX desperate loans and to XXXX as XXXX delegate loans with XXXX account # XXXX being being reports to all XXXX burueas 5 times with different amount that total {$14000.00} bringing my overall credit as being serious delinquency and dropping not only my rating but my wife 's as well from XXXX to XXXX. I have contacted helmet and have been told by them they have done no wrong but there is o excuses for this company to take XXXX loans and report them as XXXX loans then be informed of their error an ignore it. I have since filed disputes with all. XXXX credit burueas and will be going back and putting fraud reports with documention showing how wrong nelnet is and hope that I do not have to file bankruptcy because they refuse to properly do their job. Help make them do their job correctly nothing more nothing less. XXXX XXXX
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

Received a letter from the magistrate court of XXXX  County stating that XXXX XXXX XXXX XXXX XXXX was suing me as the assignee of CITIBANK.

Form states that it is a " PLAINTIFFS APPLICATION FOR DISBURSEMENT OF FUNDS ''.

The following wording is noted : " NOW COMES the Plaintiff in the above styled case and files this Application for payment of all funds due Plaintiff paid by Garnishee after such time as the Clerk determines that no claim has been filed and no Traverse has been filed with twenty ( 20 ) days after Garnishee 's Answer was filed.

Moreover, Plaintiff states Garnishee and Defendant will be properly served with the Garnishment pursuant O.C.G.A XXXX and that proof of such service will be filed with the Court prior to any disbursement of funds. '' This letter is signed by XXXX XXXX XXXX XXXX XXXX, Georgia Bar # : XXXX   The law firm that sent the letter is XXXX XXXX XXXX XXXX XXXX  The APH File number is XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (NE)

on XX/XX/2022 in my mail box on XXXX PM XXXX XXXX retrieved a letter purporting to be from " XXXX / XXXX Attorneys At Law '' whose letter states : " The purpose of this letter is to remind you that the tax return season presents an opportunity to resolve your account. The following options are being offered to settle your debt : '' and then goes on to offer options to settle SOME sort of debt that I am unaware of for some account I am unaware of. 

The header states " Date : XX/XX/2022 Our Client : Midland Funding LLC '' I had to unfold the letter TWICE to finally get " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Well, which is it? Are they the debt collector or an attorney representing the debt collector? This is a serious breach of several consumer financial protection laws. They can't threaten to sue me and they can't IMPLY they are attorneys then say at the end they're a debt collector. I would like them to consider this matter settled in full for their breach of laws.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Pre-Arbitration Notice and Intent to File Legal Proceedings Regarding Improper Account Retention, Non-Account Removal, and Statutory Violations : 15 USC 1681a ( 2i ), 15 USC 1681 ( b ), 15 USC 1681c ( 5 ), 15 U.S. Code 6801, and 15 U.S. Code 6802 of the Fair Credit Reporting Act ( FCRA ) This Notice is hereby given that I am initiating pre-arbitration proceedings due to its violations of the following federal laws and the failure to remove an inaccurate account from my consumer report, and its willingness and KNOWINGLY BREAKING THE LAW AND VIOLATING MY CONSUMER RIGHTS.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lending Club Corp (NY)

I went delinquent on a loan with lending club. I negotiated to pay the debt. Before I paid the debt : a representative from lending club told me that once I paid that debt, it would be considered paid in full and removed completely from all  credit report one p ayment was processed on their end. I have completed the payment, yet it is still report on my credit report as of yesterday [  XXXX / XXXX / XXXX  ] I request all trade lines be removed all credit reporting agencies Lending Club Loan # -  XXXX  Date of Birth -  XXXX / XXXX / XXXX  Social Security Number -  XXXX
Consumer complaint received 2015-07-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I had an account with Wells Fargo that I had asked to be closed due to fraudulent activity on the account. Wells Fargo agreed to close the account, yet never did. I called several times, and even went into the branch where the banker was supposed to close the account and was told at least twice they would close it and still ... they never did. After a while a reoccurring charge on the account came through and I was charged over {$100.00} in overdraft fees. The bank never paid out the charges, and still wanted me to pay over {$100.00} back to them. I explained multiple times that if they would have closed the account like they said they had the multiple times I had asked, then there would not be an overdraft to pay at all. After over 6 months of going back and forth, they agreed to pay {$42.00} and said that I would still be responsibility for {$60.00}. Mind you, they want me to now pay {$60.00} to the bank for money they never paid out on my behalf - all because the account was never closed the multiple times I asked for it to be closed and the multiple times I had been told by bankers that they were closing it.
Consumer complaint received 2016-04-07
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: ALLIANCE FINANCIAL RESOURCES (AZ)

I was approved for an fha loan where I was putting 20 % down and paying the upfront mip out of pocket at closing. This is the way I was approved. After closing I noticed that the mip was included in my loan amount. I have evidence of this entire episode. 
I contacted my loan officer and he said not to worry that he would take care of it. This is all in an email I have kept. Numerous times I had contacted the lender for this to be resolved. It is my understanding that the approval of my loan was changed after my loan closed, I have all the information saved for your review to proved that my loan information changed after my loan closed to make it look like I did n't want to pay upfront mip out of pocket ... I called FHA and they said to get with my lender and I did. They are trying to say this is the way it was. Not so ... 
I need help.
Consumer complaint received 2024-01-27
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: Experian Information Solutions Inc. (TX)

Ive contact EXPERIAN via certified mail, the dispute center and the problems are still not being solved. 

UNAUTHORIZED CREDIT INQUIRIES I noticed that 4 of them were done repeatedly. 

Violation of 15 U.S. Code 1611, 15 U.S. Code 1681 15 U.S. Code 1692K 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
Consumer complaint received 2024-01-27
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: Experian Information Solutions Inc. (TX)

Ive contact EXPERIAN via certified mail, the dispute center and the problems are still not being solved. 

UNAUTHORIZED CREDIT INQUIRIES I noticed that 4 of them were done repeatedly. 

Violation of 15 U.S. Code 1611, 15 U.S. Code 1681 15 U.S. Code 1692K XXXX XXXX XXXX XX/XX/2023 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
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aqua Finance, Inc. (WV)

Aqua finance ( A pplication #  XXXX  ) pulled my credit report they claimed I applied for credit with one of their clients which I did not. They placed an illegal unauthorized credit inquiry on my report. I have done my research and they have done this in violation of the fair credit reporting act. I asked for proof I authorized this inquiry a signed application or something they could n't provide it because I never applied. But they still sent me a letter refusing to remove the illegal inquiry so I am now researching my other options. I plan to take this as far as I have to I 'm not going to just let a business pull my credit because they want to.