davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX  ) 100072****Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (DE)

I had a debt from XX/XX/XXXX and due to lost of jobs and unemployment I was un able to pay debt. Now in XX/XX/XXXX I get served at my job for payment garnishment for Midland funding llc Creidt card. I did not get served with any court papers to appear in court. I just got a sheriff at my job. I check my credit report every year and this is the first time I have seen a judgement on my report in XX/XX/XXXX. It says it has been on going since XX/XX/XXXX. I look up the court docket papers. I do n't know my rights but something seems to be wrong. I never had this happen. I never had to go to court. I new nothing about it until this year.
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (SC)

I keep receiving calls from XXXX. They say they are trying to collect a debt that I incurred from my place of employment, but they do n't know what the acronym for the business means. The person calling is rude and refuses to send me any documentation in regards to the supposed " debt ''. The man that is calling says his name is XXXX.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In the past I opened a case to see evidence of the suspected fraud activity reported to XXXX and XXXX XXXX by Bank of America XXXX to myself. This evidence was never provided by Bank of America and I was told that if I cant provide a police report of the identity theft then Bank of America refuses to stop reporting this information. I never reported this case of identity theft to the police because I was young and immature and didnt understand the magnitude of its severity which I hoped Bank of America can understand. The day of the alleged fraud activity I immediately called Bank of America and confirmed I had no involvement but my bank account was still closed and negative information was reported.
Consumer complaint received 2023-03-28
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$610.00}.
Consumer complaint received 2015-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

My name is XXXX XXXX, My father, XXXX XXXX, passed away, XXXX XXXX, 2014. I have been living in his home for XXXX years taking care of him, until he passed. Also living with us where, my son, his wife and my Grandson. Upon my fathers death, I notified ( HSBC ) Beneficial, sent them death certificate, and explained to them I was willing to take over the debt with a lower payment, or do whatever what needed to keep this home. First they refused to speak with me. Then they have been requesting paperwork after paperwork, to which I keep faxing over and over. They keep stating they do not receive them. I have also sent the Executor paperwork and notarized relinquishment papers from all XXXX of my brothers. I gave them the Estate attorneys information, and they refuse to speak with the attorney. After all this time, they now tell me the home is in foreclosure status, without even notifying me in writing. But will notify me of a date to vacate the property. The only other thing they continue to tell me is " This is not your debt, this was your fathers debt, and you should not be responsible for it ''. My mother designed this home, my father built this home, and I was raised in this home. I gave up a home and property to come back to take care of my father, who was ill. I spent all of my savings to keep this place going. Now they wo n't even give me and my family a chance to keep it, now they want to throw us out on the street. All because " it 's not my debt! " They do n't seem to care that XXXX people will be homeless! 
This is ridiculous, when I have tried to work with them for over a year to adjust payment, or get a new loan in my name to pay for this house to keep it in my family, and to keep XXXX people from being without a home. 
Apparently, they like taking peoples homes and leaving them on the streets. This is not the AMERICAN way to do business people!
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NY)

I have a Banana Republic Credit card, administered by Synchrony Bank. I 've had the card for a couple of years and maintained good standing / payments. The bank as recently informed its card holders that the APR is going up from -- and already high 23.99 % to 24.99 % for no apparent reason, effective XXXX/XXXX/15. The company simply explains this increase : " These changes are being made to align pricing across the Gap Inc. Credit Card program. '' It seems usurious for a bank to do this without any trigger. Perhaps it 's legal, but it seems unjust and plain greedy.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion continues to report account items as included in a bankruptcy that what deleted as inaccurate from my credit file in violation of the following FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

The items are below : ACCOUNTS XXXX XXXX XXXX  XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

My complaint is Wells Fargo mortgage. My complaint # XXXX. I 've been Wells mortgage since XXXX XXXX. When I brought this property, there 's XXXX separate lots only XXXX lot with mortgage. Mortgage on address XXXX XXXX XXXX XXXX XXXX Oregon XXXX. Other XXXX lots is has no mortgage. Although when I purchased this property it was all connected. 
On XXXX XXXX XXXX I spoke to XXXX XXXX of Wells to resolve. I told Wells is not right. What I 'm fighting about is that Wells is making me to pay all XXXX property tax lots. Before refinance, which address XXXX XXXX XXXX XXXX property tax included in mortgage. After refinance XXXX XXXX XXXX XXXX is not include property tax in mortgage. It was never brought to my attention at the time of refinance. In my first payment I discover it Wells withdraw more than I 've agreed. 
Wells said all XXXX property tax lots I 've to pay. I told them, escrow XXXX XXXX XXXX XXXX property tax should be included in mortgage. Indeed I will pay XXXX other property tax lots ( which does not have mortgage ) or I will pay XXXX property tax lots on my own but Wells is not willing to do that instead they like to bundle all together. I do believe Wells see loop hole with XXXX lots and make it confusing to understand. The reason wells got involved I owned property tax on the other XXXX lots was discovered in XXXX. 
From beginning bad communication and never return phone call. It 's was so sloppy we missed closing in XXXX XXXX. XXXX said I 'm long committed customer to them and offer me XXXX steps refinance at 3.5 % with no closing cost. XXXX XXXX in our last conversation said I am XXXX with this and I agreed to this. That 's XXXX! We do not have agreement. I need help resolve this issue. I look forward to hear from you. Thank you
Consumer complaint received 2016-10-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY ()

XXXX CFPB casses compaints against wells fargo bank [ morgages ] wells fago bank has comitted fraud and perjury in courts across america, THAT MEANS ALL FINAL JUDGEMANTS FROM XX/XX/XXXX to XX/XX/XXXX SHOULD BE ANNULLED and propertys stolen by fraud and perjury should be returned or the total value plus interest to date and jail for all that took part in this criminal act of crime and this is more important than acounts that were falsly set up THIS IS A DELIBERATE ACT TO COVER UP OR DECEIVE JAIL FOR CROOKS
Consumer complaint received 2015-07-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (TX)

Flagship Credit Acceptance has cashed a vehicle warranty cancellation check which they should have sent to me months ago. I have been calling almost three months to get results along with my dealership who ran into walls trying got deal with them. I have encountered customer service reps who constantly hang up on me and give me no help. They advised me that it takes over a month to research a check. Which they claimed that they have mailed out before but they had the wrong address. If that would have beneath case the postman would have put it in the correct box since I have been in the same complex for 5 years. The managers are nonexistent I have spoke to several who have no clue of the process of researching a check. My loan is paid off so I do not understand why it is taking so long and they have confirmed that they have the check.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (NV)

I noticed a previously resolved collections account on my credit report. The account was resolved favorably n 2013, and reappeared recently. Repeated attempts to negotiate with the credit bureaus, collections agent and the original creditor have failed.
Consumer complaint received 2024-01-26
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: NAVY FEDERAL CREDIT UNION (FL)

I was XXXX and my credit profile was used by people in my family, when I was XXXX  I finally got my things together and was able to get into XXXX XXXX and seen a number of things I did not do or sign up for.
Consumer complaint received 2021-06-03
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. (IL)

there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's XXXX  work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.
Consumer complaint received 2015-09-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Alorica Inc. (MO)

I attended XXXX XXXX University XXXX XXXX XXXX, MO in the XX/XX/1990. I admittedly defaulted on my loan. My wages ended up being garnished for, I believe, 10 years. I received notification that my loan was completely paid off and my wages were no longer being garnished. A few months later, I received a letter stating that in fact my loan was not paid off and I still owed in excess of {$8000.00}. This information came from West Asset Management who has since been garnishing my wages ( again ) because I tired of their games. I was told that I could submit various financial forms for consideration of their rehabilitation program. After submitting various documents and being told they were n't good enough, I just quit and figured they could come after me. Which they did. I received another letter in the mail telling me they were now coming after my tax returns even though they 've been steadily taking out a percentage of my paycheck. I do n't understand how I can have paid off all the loan and interest, be told that I had fulfilled my obligation and then have them come after me again for garnishment and tax-returns. They are very opaque in their dealings and do n't make it easy for XXXX to understand just what one 's obligations are, especially as they apply to amounts assumed to be paid. Whether or not I think what they are doing is fair, is it legal? Can I be told that I have no further obligations only to have them turn around and tell me that I do? Is this an endless cycle of me paying off XXXX obligation only to be met another and another until my last day on Earth?
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

There is a Chapter XXXX bankruptcy listed on my XX/XX/XXXX Equifax Credit Report. This bankruptcy was not on the Equifax report between XX/XX/XXXX and XX/XX/XXXX. I was never notified that there was a change, and that this bankruptcy information would be placed on the Equifax report in XXXX ; it just reappeared with no explanation from Equifax. This action is illegal! In addition, the bankruptcy notation has been disputed to XXXX and XXXX because the bankruptcy court does not provide any information to the credit bureaus regarding bankruptcy. There is no law or standard that supports credit bureaus or XXXX XXXX placing bankruptcy filings onto consumer reports.
Consumer complaint received 2023-03-28
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XX/XX/2021
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

YOUR COMPLAINT To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX Please delete XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX the following names listed 2. My ONLY Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-06-03
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. (GA)

Hi All Credit Bureau listed me as an authorized user for XXXX XXXX, I never authorize or gave my social security number. I want XXXX XXXX  removed.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I made my final monthly payment of {$1400.00} on XX/XX/2021, within the grace period of 15 days, according to the loan agreement. My loan servicer Caliber Home Loan is not closing out my loan, but billed me a late fee of {$74.00}, a loan release fee of {$180.00}, and some amount of interest. 

I asked them to remove the late fee of {$74.00}, and they refused. 
I asked them to break down the loan release fee, and they refused. 

I have made all of my monthly payments on time, and now, they just want to stick me with all these bogus charges. I contacted the representative with ID # XXXX, and asked for his manager, and no manager was available to talk to me.
Consumer complaint received 2022-02-11
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. (IN)

I have called XXXX multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myXXXX  is paid for free and clear. XXXX  company continues to run my credit score into the ground because inaccurate information. XXXX XXXX XXXX refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. XXXX  has no right to place this information on my consumer reports when I have informed them that it is inaccurate.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XXXX of my reports there is a claim I have an open account in collections, this is incorrect. It was paid XXXX 2014. I contacted the company and they confirmed the account in collections was paid off in XXXX 2014, I just need to get it removed from my report.
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc. (NY)

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the credit and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.