davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

In a response I received from Wells Fargo Home Mortgage today, XX/XX/XXXX, they claimed they had already removed me from forbearance. Their response in writing is a lie. When I checked my online account, it stated I was still in forbearance. When I called XXXX today, they also stated that I hadn't been removed yet. 
Also in their response, they claimed that my statements were accurate. Another lie. My statements have not been accurate and they are still not accurate. I made 4 mortgage payments in XXXX, XXXX. One payment was in the amount of {$1000.00} + change, and the other 3 payments were in the amount of {$1100.00} each. 2 of the payments for {$1100.00} have not been applied to my mortgage account. I called XXXX and spoke with a rep. She could not explain WHY the payments were not applied to my account. She said she would connect me with an executive. I was then put on hold and disconnected. I called 2 more times and was disconnected before I even had the chance to speak with anyone. The 3rd time I spoke with an executive and she could not explain why my payments were not applied. The told me she would have to open ANOTHER CASE. Wells Fargo has already claimed in writing that my statements are accurate, but they can not explain to me why my payments have not been applied to my account. I am convinced there is not a more corrupt or dishonest bank than Wells Fargo.
Consumer complaint received 2020-07-21
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

On XX/XX/2020, XXXX XXXX filed a collection bill with Sequium Asset Solutions. The collection for {$460.00} showed up on my credit report on XX/XX/2020 and my score significantly dropped. Since I have never opened up an account with XXXX XXXX, I was concerned. After making a few phone calls, it appears that XXXX opened the account without a social security number. Since I have a very common name, and lived in the general vicinity of the person who accrued this debt, Sequium associated the debt with me somehow. We do not share the same middle name or any address, so I'm not sure how it appeared on my credit report. I have filed investigations with XXXX and Sequium, but this is completely out of their scope. I suffer because they did not find or attempt to contact the original person in debt to XXXX.
Consumer complaint received 2017-12-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (TX)

XXXX XXXX has sent me a notice to collect a debt in the amount of {$550.00}. This collection agency is not licensed for business in Texas, nor are they registered with the Texas XXXX of XXXX ; therefore can not attempt to collect a debt.
Consumer complaint received 2017-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After sending several certified letters that have been ignored by the credit bureau. I have send letters of disputed alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST {$1000.00} + PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION LEGALLY A CONSUMER COMPLIANT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM for the following late 1.XXXX XXXX-several late/missed payments 2XXXX XXXX-several late/missed payments
Consumer complaint received 2020-06-02
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. (IA)

I have 3 accounts with XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. This company has pulled hard inquiries on two of my accounts which seriously damaged my score and I did not give permission to do a check. I have had these cards for about 2 years. Always made my payments on time I. I called them and all they could tell me is Im sorry there is nothing we can do your accounts have been closed. And when I escalated it to a supervisor I was put on hold for approx. 15 minuets and then they dropped the call. I asked why would you do a credit check on a good standing already active account, and I got a Im sorry! I stated that should I get an attorney for this and thats when I was put on hold for a supervisor and got hung up on. 

There is also one other card I opened with XXXX for XXXX XXXX dollars I activated it but did not use it. They closed that as well before these two accounts So what do I do?
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

My Equifax credit report # XXXX dated XXXX XXXX, XXXX shows that both of the below referenced accounts were deleted from my credit report. 

XXXX XXXX Account # XXXX ( As it appears on my credit report XXXX XXXX XXXX Account # XXXX ( As it appears on my credit report ) Equifax removed them at that time and then reinserted them on my credit report without notifying me within 5 days of the reinsertion, per FCRA. I have since repeatedly disputed the above referenced accounts with them and they have not removed them again. I have an ongoing issue with Equifax not reporting all of my positive accounts, or removing my positive accounts on a monthly basis. They only re-report the accounts, when the companies report my positive accounts again. Now they have reinserted negative items that they previously deleted. Please see the attached proof of deletion.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX reports account opened in XXXX XXXX. Info is incorrect, account was opened in XXXX and included in bankruptcy. Original creditor sold account to XXXX XXXX XXXX. This is affecting my score. Please have them remove this incorrect info from all three bureaus.
Consumer complaint received 2020-06-02
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. (OH)

I have a unverified account with XXXX I have never done business with this company. I believe it is a HIPPA Act violation. I would like to know how my personal information was used and accessed without my permission. The reason for my dispute isXXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX is in compliance with OHIO XXXX. I also have report this account to the FTC, and XXXX County Sherif Dept. I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-05-19
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. (CA)

If I wan na get loan the credit card companies give me hard Inquiry in my credit report and credit score. 
Why? 
I wan na buy something like phone for example when I check if they accept me for payment already my credit score get down
Consumer complaint received 2021-04-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (TX)

I have an Ally Invest account and the issues first arose when I accidentally created a short position and sold to open a call. 

I noticed I only received partial credit for it but thought it would eventually get deposited seeing as it showed in my unsettled funds, however, the very next day the unsettled funds showed as nothing. So there goes about XXXX completely gone with no trace. 

Now today, I never received credit for a sale that I made. I had about {$800.00} in my account and went to sell another position for about {$900.00}. Immediately after my balance showed as {$0.00} and all my money is now gone. 

I can't even go back to trace the previous amounts that I was never credited but I just today, plain as day, that my money has disappeared out of nowhere and nobody knows what's going on. There is no record of my balance just a big fat XXXX. 

This is complete robbery and illegal.
Consumer complaint received 2019-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have reviewed a copy of my credit report and notice that Portfolio Recovery Assoc. is reporting a collection account with a balance of {$4400.00}. Portfolio Recovery Assoc, has violated FDCPA rules and regulations by failing to produce me a written debt validation notice that includes amount of the debt, name of creditor, and notice of consumer 's right to dispute the debt within 30 days ( see 15 U.S.C 1692g ( a ) )  What obligation do I have to Portfolio Recovery Assoc.? I have no written contract with Portfolio Recovery Assoc. nor have I received benefits from them, yet they have furnished information to the credit bureaus against my name and social security number demanding I pay {$4.00}, XXXX.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (AL)

IC Systems collection is reporting a collection on a balance of XXXX that is incorrect. First the account has been settled with XXXX XXXX XXXX XXXX XXXX and I have the letter that the account is closed and settled. It was a XXXX/XXXX bill. IC Systems is still trying to collect on the same closed account and the balance is not only incorrect, but I called them 4 times in the last 30 days to try to get them to correct it as well as disputing with XXXX. IC Systems continues to notify XXXX   the information is correct. Even after me providing the closed and settled account letter from XXXX. XXXX has acknowledged the account is closed and settled. Even though IC Systems is taking their time resolving the collections on my credit report, the amount is incorrect. Even when I log into IC Systems web page it still tries to collect the wrong amount as well as the settlement offered is higher than than the actual balance owed. It took XXXX  a year to finally admit that I they have had my equipment returned and finally credited my account. I still owed a balance of {$370.00}. IC Systems is reporting I owe {$610.00} and offers a settlement of {$480.00}. This is the only collection I have against me and it is being unfairly and wrongfully being reported. IC Systems contact is XXXX XXXX XXXX  XXXX, XXXX XXXX, MN XXXX. The reference number is XXXX. The account number associated with the XXXX   account is XXXX. IC Systems has caused me undue hard and unfair damage to my credit report after repeated attempts to have them resolve it.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX reports account opened in XXXX XXXX. Info is incorrect, account was opened in XXXX and included in bankruptcy. Original creditor sold account to XXXX XXXX XXXX. This is affecting my score. Please have them remove this incorrect info from all three bureaus.
Consumer complaint received 2020-12-09
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. (FL)

A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Specialized Loan Servicing Holdings LLC (TX)

Please see complaint XXXX, filed on XX/XX/XXXX. Attached is their response dated XX/XX/XXXX. Please note, that they state I was provided forbearance that was approved from XX/XX/XXXX through XX/XX/XXXX. Attached is my credit bureau pulled on XX/XX/XXXX showing they were reporting the account closed 120 day late. I have also included the document they sent on XX/XX/XXXX a request had been given to them to have the forbearance removed ( on a closed account with a new due date on XX/XX/XXXX. 

XXXX action items were required of them to do : 1. Correct the status of the account on the credit bureaus - COMPLETED 2. Have all credits rescored after correction - NOT COMPLETED 3. Return late payment monies taken out at closing they were not due as they have admitted that I wasn't late ( approximately {$17000.00} ) - NOT COMPLETED Attached are two of my XXXX  credit bureaus. 

Report dated XX/XX/XXXX showing SLS reporting the account closed at 120 day late and my credit score XXXX. 

Report dated XXXX showing SLS reporting the account closed paid as agreed, score at XXXX. 

I have only one 30 day late pay in XX/XX/XXXX that was closed that same month. The bureaus have not been rescored.
Consumer complaint received 2019-10-29
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: EQUIFAX, INC. (FL)

THE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE THOSE INACCURATELY PLACED INQUIRIES NEEDS TO BE REMOVED OFF MY CREDIT.
Consumer complaint received 2022-11-17
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report 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 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 2020-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Recently I submitted a complaint around XXXX this year regarding Capital One. ( Capital One Case:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Basically they are accusing me of {$500.00} of non returned checks back in XXXX. When I just started working in XXXX, the month before.Maybe this occurrs with some people, but not me.And I've prompted and initiated an investigation within their fraud dept. to not only clear my name, but bring this account current to what I truly owe.In case I wasn't clear.Because up until this situation, I've always paid my debts.Well I am back now to submit another complaint because Capital One has raised their Apr sometime after I submitted the initial complaint, making it impossible for me to pay this debt off. I've even tried paying over a hundred dollars at their request just to be done with it and it didn't even put a dent in it.Because they informed me my {$50.00} wouldn't be enough.Then they turned around and informed me by email that my {$50.00} was late. And on XX/XX/XXXX a XXXX XXXX reached out to me by XXXX  XXXX, explaining to me that ( as we discussed on our phone call, on XXXX XXXX, your account was restricted due to history of unreturned checks on the account.And that unfortunately, we are unable to reverse the restrictions and the account will remain closed ) .I had just lost my mom XXXX XXXXTherefore I personally and emotionally had a lot going on.As far as having time to respond to this situation in a timely matter.As well as process it.Basically nothing changed.In fact one of their reps told me she didn't see any unreturned checks.And proceeded to tell me the {$50.00} was not enough for payment.And that I owed over $ XXXX.I 'm just needing some resolve from this.Banks and other corporations should not be able to do stuff like this legally and especially after you make a complaint.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I have tried, in vain, it appears to get Sears Citi Executive rep XXXX to fix the inaccurate reporting from my XXXX  credit report with no success. I closed the account in XX/XX/2020 as a result of entering a debt management plan in XX/XX/2020. However, the Sears correspondence dated XX/XX/XXXX now erroneously indicates it was closed due to delinquency on XX/XX/2020. But the point of my complaint is that this is a closed account with a XXXX  balance yet the payment status shows it as DEROGATORY -closed not paying as agreedas of today. The payment status is not correct. I have had to deal with this numerous times and back in XXXX I have Sears correspondence attached indicating the account was in a satisfactory status. I paid the account in full in XXXX ; between XXXX the account remained in a satisfactory payment status. Yet, again, they have put it back in a derogatory payment status.
Consumer complaint received 2019-10-29
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. (NC)

In XX/XX/2019 After trying to dispute a credit card by XXXX XXXX that was in my name in the amount of {$1200.00} with Experian, they decided the information was correct even though I have never owned a credit card with XXXX XXXX on my report. 

My address that I use is incorrect, and I have never signed any agreement allowing XXXX XXXX to open a credit card in my name. 

When attempting to reach out to Experian over the phone ( which is what they require ), it is impossible to speak to a human to add details to my dispute and go over the fraudulent information. Now due to a result of incorrect reporting, XXXX XXXX is consistently damaging my credit, therefore rendering me unable to rent an apartment in my city. 

I have worked extremely hard to keep good standing credit, and prevent fraud in my name which has happened in the past. XXXX XXXX is known for having shady business practices, and unsecure/unfair credit reporting which is why I have never chosen to bank with them. 

Attempting to speak with someone from XXXX XXXX who is competent or speaks any fluent XXXX is impossible, and they are immediately unwilling to assist without certain information that I do not have knowledge of. 

I would like to hold Experian responsible for the damages occurred as well as XXXX XXXX. If the report is not fixed in the future, I will be taking legal action to clear my name so I can freely rent and apartment in my city.