davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (IL)

I logged in to check my credit today and saw a collection account on my credit for Diversified Adjustment, who is apparently attempting to collect an account on behalf of XXXX. When I started XXXX service a couple summers ago, I was offered a no-commitment trial period. Within the first two ( 2 ) weeks of starting service, my phone factory reset itself causing me to lose EVERYTHING, including some pictures of my 2 year-old son who had passed. I immediately returned to the store to return all the phones. The man at the store refused to take the phones back unless I agreed to pay a fee on the spot. I told him this was not explained to me at the time I purchased the phones and demanded to see a copy of the contract listing this fee. He was unable to produce it. I told him me returning the phones was non-negotiable as I no longer wanted anything to do with XXXX. He continued to be belligerent, so I left the merchandise on the counter and left the store. My teenage daughter was with me and witnessed the entire event. As to Diversified Adjustment, I never received anything from them at all or I would have disputed this account with them.
Consumer complaint received 2016-08-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NY)

I set up recurring automatic payments for a credit card and line of credit account with Wells Fargo Bank, but their system did not register this and two months later, I received a call my account was in collections for failure to pay. On the same day I set up the recurring payments with this bank, I set up recurring payments with XXXX other banks I have accounts with, and those have processed successfully.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have a unauthorized account on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % XXXX verifiable or accurate must be removed.
Consumer complaint received 2020-05-26
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. (OH)

I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Please delete the following numbers they are not mine:XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-03-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the three reporting agencies
Consumer complaint received 2023-03-19
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. (MN)

Please Delete this address, XXXX XXXX XXXX XXXX XXXX, CO XXXX from my Credit Report for inaccurate residential information because I have never lived at this location. My address is XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. states, I have the right to privacy.

Also 15 U.S.C 1681 section 604 A Section 2. states, a consumer reporting agency can not furnish an account without my written instructions. 

According to the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX has violated my rights
Consumer complaint received 2020-05-26
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: Lendmark Financial Services (GA)

on XX/XX/2019 i recieved an iquiry from XXXX. I didn't authorize this transaction.I disputed the inquiry for deletion but nothing was done about this inquiry.I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from Lendmark Financial S. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

Upon getting a notification from my credit monitoring service I noticed a collection had been placed on my credit report. Vance and Huffman LLC # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX, ( XXXX ) XXXX XXXX This collection account has been reported as a past due balance and was opened on XX/XX/2021 in the amount of {$740.00}. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature agreeing to any debt stated.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (ID)

XX/XX/2015 I contacted Wells Fargo to inquire about a loan modification as I was recently divorced and nervous about being able to remain current. After explaining my situation to the representative at Wells Fargo I was told that I qualified for a Forbearance program, which you need to do before you can qualify for a loan modification. I was sent a contract with my " modified '' mortgage payment and in the contract it states that Wells Fargo will report that I am paying a modified payment. No place in the contract does it say that they will report you paying late during the process.I paid the amount due as stated in the contract. 6 months later I go to refinance my loan to get my denied due to " late '' payments being reported on my credit. I have contacted multiple people at Wells Fargo and no one is willing to assist me clear this up. Wells Fargo is known for unfair and shady business practices and this is just one more added to their list. I would like for the lates that are being recorded to be removed as I never paid my mortgage payment late. I paid according to the agreement.
Consumer complaint received 2016-06-11
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have recently initiated an International Wire transfer ( XXXX ) in my bank by filling in the Foreign Wire Request Form. It was accepted by a bank rep. It was on XXXX XXXX. Date the transfer should have been available to recipient is XXXX XXXX. As of today, the transfer has n't still reached them. In my bank they say the transfer is complete now. They called to double check the last name of the recipient saying their correspondent bank have probably made a mistake there. 
Yesterday, I asked them to open an investigation request to check the current status of the transfer.
Consumer complaint received 2015-03-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect (FL)

I was injured at work in XX/XX/XXXX and XXXX took over. I had surgery done on XX/XX/XXXX, and all my medical bills were to be paid by XXXX. They are charging me rather than the Insurance company. I have sent XXXX all the debts outstanding and they promised to pay but they are still delinquent on my credit reports.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

XX/XX/XXXX : Consumer was alerted to unauthorized Inquiry ( s ) by XXXX who assured consumer absolutely no accounts opened / credit extended ; XXXX Incident # XXXX processed by XXXX XXXX female ) at ( XXXX ) XXXX on XX/XX/XXXX XXXX XXXX. 

XX/XX/XXXX : A ). XXXX falsely reported unowed debt to consumers spotless credit reports ; and, B XXXX. XXXX refuses to issue correction to credit bureaus after receiving notification of their errors.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ProCollect, Inc. (LA)

My name is XXXX XXXX and I have been a identity theft and fraud victim in XX/XX/XXXX '' and a company called PRO COOLECT HAS ACCURATE INFORMATION from me and a apartment complex that someone else has you my identity and rented a apartment and a broke a lease and utilities in my name at a apartment complex called " XXXX XXXX XXXX " in XXXX, XXXX a state I have never lived in and I have documentation and the apartment complex " Manager with 100 % proof that it was not me. 

They refusing to re investigate my case and sending this information to the credit bureaus and they are calling and threatening me. 

I have open a dispute on XXXX XXXX from the previous one that was closed in XXXX due to the manager XXXX EXT XXXX not properly handling my case. 

I can not live in XXXX states at XXXX time, also My job, apartment, and all detailed documents Proove I was in XXXX where I am from when the ; person ( s ) used my identity. 


Also I sent the apartment complex my ID and information that I never lost lost due to a breach with ( XXXX IN XX/XX/XXXX '' my insurance carrier. That the person that came got the APARTMENT was two different Identifcations used told by the property manager " XXXX " and sent them ( PRO COLLECT A LETTER on XXXX XXXX to them to cancel everything and they have not responded or giving me information now and making it hard for me and all XXXX credit bureaus to remove this all my file. 

This is a very stressful, heartbreaking, and long process since last year when I found out, and I do not have a lawyer or help and this will hinder me From future jobs ( I am college graduate working in the XXXX for seven years ), from renting a apartment, buying a home, and I need assistant. 



And they are rude, disrespectful, they did not send me information, and they told me there 's was not enough information giving me why I was held responsible. 

There were XXXX XXXX used for this apartment complex, and it was mentioned to me after the file was pulled and the apartment complex made me fully aware of this and PRO COLLECT HAS PROPER information. 


My number is XXXX XXXX XXXX I went all the way to XXXX to file a report, I did my affidavit, and filed with the FBI.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Specialized Loan Servicing is the lo an servicer for my mortgage. They sent me a paper notice that they had messed up my escrow balance in early  XXXX . Since then, I have received no follow-up mortgage statements, as I normally do, to pay my monthly loan balance. I tried to pay the balance online but no one can explain to me how/why I can not pay online. I have called and tried on several occasions to pay the monthly balance of my mortgage and I 'm concerned that they are trying to make me late on my payments and/or have inaccurately accounted for my loan.
Consumer complaint received 2015-10-08
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CT)

Discover Bank changed the interest rate on my IRA CD from without informing me of a change. I noticed this online when checking my account. Account XXXX. This account was added as a replacement account XXXX due to prior mistake made by Discover Bank. I called the bank to complain on Friday,XX/XX/2015, and spoke to XXXX. I informed her of prior documentation and case information but she was unable to make the correction and advised me that she would follow up with me but I have not received any other communication from Discover Bank. This is unacceptable. 

XXXX from Discover Bank called be back today, XXXX/XXXX/2015, to tell me they do not know what caused the problem. The only way they know how to correct the problem is to open a new CD account and transfer the assets into the new account. XXXX said she could not promise that the same problem would happen again. I told her this was unacceptable, since I was the one who noticed the mistake in the first place, and Discover Bank service is inferior. I requested that she escalate to her management my request for immediately liquidating all of my IRA CD accounts, WITHOUT INTEREST PENALTIES, and let me transfer then into another institution.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

this item is from XX/XX/XXXX when opened had XXXX insurance on it I am permant XXXX since XX/XX/XXXX now the XXXX or more different companies changing open date to XX/XX/XXXX or newer that is false it was opened in XX/XX/XXXX they are changing dates I have tried every time old companies called me I told XXXX insurance then never here from then again then new company and so on and so on this needs to be taken off it has been 8 + years not the 1 or two they are trying
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

Enhanced Recovery XXXX at XXXX XXXX XXXX. XXXX, FL XXXX alleges I owe them {$3500.00} and has been sending me collection notices. The company is reporting the collection past due. I do not know this company and have never done any business with them. The company dose not have a contract with my signature or and proof to Validate I owe them.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (PA)

I settled on a home on XXXX XXXX, 2015 knowing that I would sell my previous home within the month. I was told I could request a " recast '' with no problems ( agreeing to a {$300.00} charge ) and have my mortgage lowered to reflect that large payment from the sale of my home. I have been trying to get this information from Stearns XXXX XXXX XXXX since XXXX XXXX, 2015. To date I have not had any response from them & every time I call I get another round of excuses & promises that are never completed. I have spoken with several different representatives and everyone gives me a different story. Three times I was told that the information was either mailed to me or emailed to me ; but, I never receive anything. An automatic answering message states that the last time my loan was analyzed was XXXX 2015. That is when I took out the loan! I have been calling @ least 7 times within the last 6 weeks and have heard nothing from them.
Consumer complaint received 2015-06-01
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MN)

My name is XXXX XXXX. I had HELOC OVER 10 years ago which I paid and closed over 9 years ago. Wells Fargo failed to remove their name from the title and they are holding my closing. The buyer might walk away because of the hurdles by wells fargo. please help
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

Target has been having issues with the app lately and I was trying to get a old bank account removed off my credit card and unfortunately it didnt get removed and a payment of {$29.00} went through without my authorization on XX/XX/2021 and today it was returned by my old bank and I was charged another late payment fee of {$29.00} and I called target to see if they can get it waived and it unfortunately they cant do it for me and would put it in a dispute instead which it wont help at all since I have other two disputes open for over 90 days and I never got a credit for them and I would like for my fees to be waived one time I didnt want this payment of {$29.00} to go through and so target put it in dispute but they are unable to provide me a case number which is weird and they removed the {$49.00} dollar payment due which is also strange
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am writing because Portfolio Recovery is on my credit report as the responsible collector for an old cellular phone debt with XXXX. In my attempting to settle the debt with Portfolio Recovery, I requested that the initial debt along with the settlement agreement be put in writing and forwarded to me before payment is made. I was told the representative at Portfolio Recovery that the company could not provide me with proof of the debt in writing because of the state I live in. I am attempting to clear all debts and feel that I should not be forced to pay without receiving proof that they own they debt as well as the terms for settling the debt. I am requesting assistance with this matter.
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (IL)

My mortgage is currently being serviced by stearns lending. They presently charge you to make a payment online, and even when you are within the 15 day grace period, they are forcing a " one time draft fee '' of up to {$15.00}. This defeats the whole purpose of a " grace period ''. When one of their representatives called me on the XXXX of the month to harass me into making a payment over the phone, i informed him the fees they were charging were not waranted and that I would be filing a complaint.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX - This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NJ)

I submitted an application to be reviewed for loss mitigation options. During the process they kept asking for a legible XXXX form which was provided several times. The loan was denied for this reason. I went to the IRS and requested the tax transcripts for the years being requested and submitted my file again with the transcripts and XXXX forms once again. The servicer is now telling me that I do not qualify for any program and they have reached the limit of times my file can be reviewed which is 2 times. I 've requested proof of this guideline that I believe does not exist. I do not want to lose my home and need help.
Consumer complaint received 2016-11-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (NJ)

Online Collections XXXX, XXXX, XXXX XXXX, telephone number ( XXXX ) XXXX are attempting to collect debt of {$16.00} from their client XXXX XXXX XXXX when I am paying my bills to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, telephone number XXXX. 
Also all my XXXX XXXX XXXX XXXX are under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, CN XXXX, XXXX, XXXX XXXX, telephone number XXXX.
Consumer complaint received 2024-05-16
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Dear TransUnion XXXX XXXX, I hope this letter finds you well. I am writing to bring to your attention an issue I have been experiencing with accessing my credit report and freezing my credit profile through your online platform at XXXX XXXX XXXX. Despite numerous attempts, I have been unable to complete these essential tasks online. My Transunion credit file is not updating on sites like XXXX XXXX also. 

I understand the critical importance of regularly monitoring my credit report and taking proactive measures to safeguard my financial information. As a responsible consumer, I value the services TransUnion provides in this regard and wish to utilize them to their fullest extent. 

However, whenever I attempt to access my credit report or initiate a freeze on my credit profile through your online portal, I encounter technical difficulties that prevent me from completing the process. Specifically, [ describe the issues you're encountering - such as error messages, page loading problems, etc..
Consumer complaint received 2016-09-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

Re the Wells Fargo bogus account issues : I found my name on the " unclaimed money '' list. I had closed accounts at Wells Fargo some time before, and so far as I knew, got all my money. The money I got back through this apparently was from Wells Fargo. They had made no effort to contact me about this money, which should have been easy, since I have not moved. I suspect this was money that had been put in XXXX of the bogus accounts and then declared unclaimed. I suggest that there should be some outreach related to this issue so others who have or have had money at Wells Fargo check these lists in case this was a widespread practice. I think this should be part of your investigation ( or whoever is investigating Wells Fargo ), as I have not seen it mentioned anywhere.