davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

I am disputed the following account with the company  Credit Control Services   XXXX  was placed on my credit credit with providing me with a RIGHT TO DISPUTE or NOTICE STATING THIS ACCOUNT WAS A COLLECTION ACCOUNT. I have disputed the account I was a victim of Identity theft if your company would have notified me I would have informed your company. Please Cease all collection activities including reporting this account to the Credit Bureaus as Correctly reporting information. I am requesting your company to remove any account information that may be reporting
Consumer complaint received 2017-06-19
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. (MI)

I tried to apply for credit somewhere and they told me I was denied because of a fraud alert through equifax I have never had fraud and this does n't belong to me and want it removed. Can you please help with this!! This is the first I have ever heard this. Thank you for your help in advance
Consumer complaint received 2017-06-19
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. (TX)

On  XXXX   XXXX , I disputed unauthorized credit inquires on my report to the  XXXX  bureaus. They responded that they do not handle inquiry disputes and I have to contact the companies directly. I contacted the companies on  XXXX   XXXX ,  2017  and they sent letters back saying that I had to dispute the inquiries with the bureaus because it was on their report.     I did not make these inquiries and the companies and the bureaus are sending me in circles. I have spent over {$100.00} sending certified letters to the bureaus and companies and they are not researching the inquiries or trying to fix it.
Consumer complaint received 2019-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2019 I was alerted by my credit monitoring service, XXXX XXXX, that a hard inquiry was made on my credit report. Considering I hadn't applied for any loan applications I suspected fraud. The company listed for the hard inquiry was XXXX XXXX   XXXX. I contacted them and they told me they were used by a 3rd party, XXXX XXXX XXXX, a lending company based on South Carolina. I attempted to contact the company to no avail. The inquiry appeared with XXXX and Transunion. I called both bureaus and told them about the incident. They both told me that to dispute the inquiry I had to get verification from the lending company as well as other supporting documentation. The issue is the lending company has yet to contact me back and I fear that something fraudulent is going on.
Consumer complaint received 2017-06-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

This what I believe to be true and correct. I was out of the country from  XXXX   XXXX ,    2017  to  XXXX   XXXX ,  2017 . When I returned the only documentation I received from my mortgage company dated  XXXX   XXXX ,  2017 , requesting documentation of the income and assets of  XXXX   XXXX  because he was not on the original loan. I mailed this documentation back on  XXXX   XXXX ,  2017 . I also received a later dated  XXXX   XXXX ,  2017 , and  XXXX   XXXX ,  2017 , stating that they received the complaint that was filed on my behalf. I have learned that my property was sold on  XXXX   XXXX ,  2017 , while I still have not received a denial letter from my mortgage company, meaning I thought my paperwork was under review. I have since received a letter from my mortgage company, dated  XXXX   XXXX ,  2017 , reflecting that notification regarding your upcoming payment change per my modification agreement.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On or about early XX/XX/XXXX, I received a notification through XXXX XXXX that one of my credit cards had been closed. When I called Citi, they told me that it had been closed due to inactivity. Usually I would receive a letter indicating the credit card will be closed if I did n't use it. They refused to reopen the account unless they did a hard pull on my credit report. As you know, this affects the consumer 's credit score. They can easily do a soft pull and see the same information as they would with the hard pull, not to mention that my account with them has been opened for 17 years, since XX/XX/XXXX and always kept it in good standing. Hard pulls affect my credit score, they acknowledged that they could do a soft pull but refused to do that. They said that I had acknowledged that my account will be closed if it was not used in over 25 months when I acknowledged the terms and conditions I have requested the terms and conditions that I acknowledged at least two times and I 'm yet to received them. 
I feel this is unfair because it affects the consumer 's credit score and they should give notice about closing accounts.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account has written /Charged off and on credit Reports it is showing Late Payments/Missed Payments on Credit Report..it is unlawful to write off and still report
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On the XX/XX/XXXX, I logged onto the Wells Fargo website to make my XX/XX/XXXX payment. I made my payment as I always do. When I logged in XX/XX/XXXX to make my XX/XX/XXXX payment the site said that I was do for the XX/XX/XXXX payment. I called Wells Fargo and asked them what happened why did they not process my payment? They said they would do an investigation and let me know the result. They have now just told me that they did not see any errors? I always pay my account online with them and i have never had any late payments. I always make sure that I never pay beyond the 30 day period as I need to protect my credit. My credit is perfect, I have no lates at all, my Fico score was nearly 800. I just found out that Wells Fargo have now reported me as having had a 30 day late, I checked my credit and my score has dropped to XXXX. They have caused me financial harm. 
I asked them to correct this and withdraw the late report they have sent to the credit bureaus. They are saying they will not. Of course even their records indicate I am up to date with them since both the XX/XX/XXXX, XX/XX/XXXX payments have been made. This 30 day late they have reported took place through no fault of mine, why the payment did not process I have no idea why. I will be happy to send you a copy of my credit report which shows that I have perfect credit to prove that I never pay late. 
I very much appreciate your help in resolving this matter.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Who m It May Co ncern   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC S EC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Who m It May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) liste d below are as follow : Please update to the correct address  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  Have enclosed  XXXX  bills PLEASE UPDATE MY CUREN T ADRESS AD DRESS :  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  BELOW IS NOT MY ADRESS  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit h 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that yo u investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I   request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the p ast six m onths.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the ite m ( s )  in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required  by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comp ly with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I am undergoing a shortsale for the sale of my home with my mortgage holder ( Bank ) and have a negotiator working on my behalf to get a settlement. The Bank offer me a {$30000.00} promissory note settlement and I countered with {$10000.00} no interest. They then countered for {$10000.00} with 6.625 % interest and I accepted, and now the Bank is refusing to accept this arrangement and threatened that if I dont accept {$15000.00} promissory note that they will foreclose on my home. How are they able to change their last offer ( which I accepted ) and try to back me into a corner? I have their offer in writing. Please help ...
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

In XX/XX/XXXX, I had to file bankruptcy and applied for a loan modification with Fay Servicing. After countless paperwork, I received a letter granting it, but it just put my past due amount in the rear, kept my 6 % interest rate, increasing my mortgage amount, which I was having trouble paying to begin with. I struggled but paid them. 

Hurricane Irma hit us in Florida and I had to use funds to make emergency repairs to my house. Due to the fact that I am in bankruptcy, I did not qualify for any relief they offered other custiers, ( ie two months relief ). they told me that I need to apply for another modification, which I did. In the meantime, I receive my insurance proceeds from XXXX to start repairing my house. I signed and mailed the checks over to them on XX/XX/XXXX, totaling {$35000.00} ( check # XXXX for {$2900.00} and # XXXX for {$32000.00} ). Fay servcing has yet to release one dollar back to me for repairs. I have done their paperwork, provided estimates, liability insurance from the contractors, but every time I call them for an update, I am still missing documents. 
I decided then to act as my own contractor to bypass all of the paperwork they need and, per their policy, will provide them proof of all expenses. I am still waiting for a response to my letter sent to them stating such on XX/XX/XXXX. 
They are also keeping a settlement check that I received from a lawsuit that I settle with XXXX  XXXX when they denied my claim for water damages in XX/XX/XXXX ( which is why I had to file bankruptcy for, I paid all of the repairs out of pocket ) ; check # XXXX, {$11000.00}, made payable to myself and XXXX XXXX, XXXX ). I could use that money to get my loan up to date in full since it is my own. I have told them countless time this was my intention. Still, no answer. 
I was contacted by my account manager on XX/XX/XXXX to advised me the loan modification that I applied for was denied, due to the fact that " I have exceeded the amount of request '', which is 2. I only had 1 modification in XX/XX/XXXX. He told me to appeal when I get the paperwork. I asked him of the status of my lost drafts, " I do not know, I will look into it ''. I have now mold in my house, and it is becoming inhabitable, but I have nowhere to go. I am a single mother, sole breadwiner and have XXXX dependents, my motehr and my XXXX year old daughter. I did not qualify for FEMA, since my insurance carrier is covering my claim. I truly believe Fay servicing is doing everything they can for me to lose my house. I can not get any answers from any account managers, can not communicate directly to their lost drafts department, nor speak to a manager. What Fay Servicing is doing is illegal and immoral. I have kept a line of communication with them throughout my entire ordeal, provided all information they have asked of me. I am please asking for help in trying to resolve this matter.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

Dear sir/madam On or about XX/XX/XXXX, right before the fraud transactions happened ( XXXX $ ) a series of fraudulent activity also occurred on multiple platforms. I had fraudulent activity on my credit cards ( XXXX  as well ), social media accounts, and my email login credentials were changed. ( I attached photos ) It wasnt immediately noticed that a large amount of money was removed from my savings account, as I rarely check that, thinking it was safe. The police were notified, and an identity theft report was filed. This has been a very stressful situation for me and the hardship it caused is unimaginable. 

TD Bank mailed me letters from the merchant that contains IP address login information, which is part proof of Authorization, from me. Whats bizarre about those, I was able to recover my emails and there was email sent From the merchant that also contains IP addresses, only one of the the 8 which matched the ones on the documents they sent to TD. They were all from different locations some relatively near and some far from my hometown, including Georgia, Pennsylvania, & Maryland. The information that the merchant is providing seems very in accurate and questionable. 

Ive contacted TD banks fraud department. They were able to recover 5 of the 12 unauthorized charges. After that Ive gotten no help. Ive asked for a written explanation from the bank multiple times so that I could prove My innocence.. Im not sure how Im being told some charges were unauthorized and refunded to me, but the others were authorized. Im not a scammer, and none of the charges were authorized by me. 

On XX/XX/18, I had {$5000.00} taken out on an IP address in Delaware. How is that me? I am attaching screenshots of the XXXX address along with its location.
Consumer complaint received 2017-06-19
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. (TX)

I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : XXXX, XXXX and Experian multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my XXXX, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MA)

I recently went to check the balance of a gift card, and the balance was {$0.00}, with multiple purchases occurring in California ( while I live in Massachusetts ). After contacting AMEX, I was told the card was physically swiped at both locations and was told there was nothing they could do. After informing them I have n't been to California in years and I have the card in my possession, I said there must be a security flaw. They continued to push back saying there is nothing they can do, and I finally had to have them commit to escalate the issue. The person on the phone promised me I would receive a call within 48 hours, to which I asked he reconfirm that as we were on a recorded line. After reconfirming I would receive a call back within 48 hours, the call ended. Two weeks later, I have not received a call and when calling back regarding the issue, AMEX is demanding a receipt from the time of purchase ( which I do not have as it was a gift ) and has refused to commit to have someone call me back. I informed them that I was promised a call back last time, to which the response was there is no way to confirm them. I reminded the worker that we are on recorded lines and it was very easy to confirm to which I was put on hold, and now 25 minutes into the call I have not had anyone come back to the line.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Experian has my credit file mixed with another person, someone who has a similar name but a different gender. My name is XXXX. I am not only being penalized by Experian for their mishap, but I have no XXXX XXXX and I'm being advised that I'm unscorable due to my being deceased. I am alive, and I mailed a XXXX  letter, my XXXX, and my Social Security card proving I am not deceased. Experian ignored these notarized and official documents and nothing changed for over a year. Experian is allowing a company called XXXX XXXX to report on my report for someone else, but I am not that person, nor am I dead. I have filed disputes, and my next step is legal action. I want XXXX XXXX removed from my profile along with the name that is not mine, which is not my XXXX. I am being denied credit because Experian refuses to update this information. I want it updated ASAP. My dispute with XXXX XXXX should be resolved by XX/XX/2024, based on the XXXX XXXX allowed.
Consumer complaint received 2023-01-09
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. (PA)

XXXXXXXX XXXX  delaware is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 3 different credit amounts {$2700.00}, {$0.00} and {$2000.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Today XX/XX/2022 I attempted to remove a security freeze from *MY* experian credit report. This needs to happen because according to a credit union Im being denied bank accounts due to the freeze unless the freeze is removed in a few days. 
I called several time and was unable to reach an agent. The only option the robot offered was to send my personal information ( Copies of IDs and bank statements ) through the mail. That costs me money, time, and is slow and is extremely un-secure. They have a self service portal which wouldnt upload my copies and a freeze removal option which also doesnt work. And the phone number listed to get to an agent which is different from the main number just takes you back to the main robot. 
This is my personal information on my personal credit report. It should not be this hard to manage my personal information. Again if it was just a XXXX question fine but as I said earlier this is going to deny me a banking product and that seems really messed up.
Consumer complaint received 2023-02-09
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)

The data furnishers indicated that disputed accounts are accurate. However, they don't send any documentation to prove that the accounts are accurate. 

If they really validated the accounts, why is my credit report showing errors. Check the reasons for every accounts indicated in the attached documents.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX I contacted both XXXX and XXXX by phone to remove inaccurate & non approved hard inquiries as well as inaccurate information & addresses. Both companies refused to investigate, Validate or remove these inaccurate items.