davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have been trying to bring my account current since my Forebearance Suspension ended on XXXX. I contacted Wells Fargo numerous times to obtain a hardship letter to withdraw funds. I resumed my monthly payments while on Suspension in XX/XX/2020. They told me at one point to go to the branch to get the letter which end up being a wild goose chase. Two weeks ago I got a letter about a COVID Partial Claim. I told them numerous times I do not wish to pursue workout options and wish to pay my balance in full. Today I received a call from a title company scheduling for me to sign this partial claim. I declined yet again. I feel Wells Fargo is attempting to set me up for Foreclosure vs. sending me what I need. Every call disclaimer notes I do not need to pursue workout options if I was in a bankruptcy or recently discharged. I want to pay my balance in full.
Consumer complaint received 2021-04-06
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. (CA)

This account is involved in litigation and does not belong to me. I never established this account. I have advised XXXX XXXX and Equifax regarding this account that was obtained under my name. I have no knowledge of this account and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately which I did and it still has not been removed my credit file.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

I received notice from XXXX on XX/XX/XXXX that my loan was going to be serviced by Nationstar Mortgage LLC d/b/a Mr. Cooper. It is now XX/XX/XXXX and I still have not received any notice or statement from Nationstar.
Consumer complaint received 2021-04-06
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. (CA)

This account is involved in litigation and does not belong to me. I never established this account. I have advised XXXX XXXX and Experian regarding this account that was obtained under my name. I have no knowledge of this account and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately which I did and it still has not been removed my credit file.
Consumer complaint received 2018-09-29
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. (TN)

I submitted a dispute via mail on XX/XX/2018 to the listed address for each of the major credit reporting agencies with the hope that my Identity Theft case would finally be resolved, according to the rule of the Law in the Fair Credit Reporting Act, Sect 605b which states that a victim of Identity theft with validation shall within 4 days be blocked/deleted. This did not happen instead each Agencies stated they had 30 days according to their policy to investigate. Not only is this legally wrong, nothing ever happen.
Consumer complaint received 2021-09-21
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: Southwest Recovery Services, Inc. (NV)

Around XX/XX/2021, I noticed a collection appearing on my XXXX XXXX XXXX Credit Reports from Southwest Recovery Service in the amount of {$3100.00}. I have no knowledge of the collection agency or the original creditor, therefore I disputed with account with both XXXX XXXX Credit Bureau. I received XXXX XXXX XXXX 's results within 30 days and they stated the account was verified. So in XX/XX/2021, I wrote a dispute letter to the collection agency with the address provided by XXXX report disputing the account directly with the collection agency. I received the returned letter back stating the address was undeliverable. Then I checked my XXXX report, because the address for the collection agency was listed differently on the XXXX report and sent a 2nd dispute letter to the address listed on XXXX credit report and again the letter was returned to me as the address being undeliverable. Then in XX/XX/2021, I wrote to XXXX and XXXX credit bureaus requesting removal of the collection account due to the address being inaccurate. I received a response from both credit bureaus again stating the information is verified. I am requesting that this account be removed permanently from my reports. I have attached documents for your review. 

Thanks in advance
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I received and email from Macy 's to change my address for a purchase XX/XX/XXXX I never made the purchase. After changing my password and logging into my Macy 's account. There are several purchases dating back to XXXX on an XXXX card ( possibly a Macey 's store credit card from XXXX XXXX I called Macys, they said I would not be held financially responsible. But the account is still under my name/ social security number they have been making purchases using my online account in a Macey 's card under my name Macey 's stated there was nothing further they could do
Consumer complaint received 2021-09-21
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: EQUIFAX, INC. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-21
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: ENCORE CAPITAL GROUP INC. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-04-06
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. (MA)

Re : Inaccurate account on credit bureaus : XXXX XXXX XXXX XXXX account : XXXX To : XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX, To : Equifax & To : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see with my own eyes - Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2016-07-03
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (MS)

We have been dealing with quicken Loans for the past 90 days and had a terrible experience. Back in XXXX we started the process to transition our construction loan. They told us they need XXXX 45 days. Our originally closing date was XXXX XXXX. We were going back and forth. Every week since XXXX we were told we would be closing within the week every time we called them. Never were told if any issues. Finally in the middle of XXXX after My husband had called them every day we were told about an issue with XXXX of our construction loans being unsecured. I spoke with the bank that handle our construction loan and we had that small loan changed to a personal loan so we could get our mortgage closed. It was costing us {$33.00} a day in interest and all we wanted to do was close because we were told we would be closed by XXXX originally. We continued on for several weeks almost every Monday we were told we would be closing by that Friday or Saturday. One week ago I was very frustrated and posted a comment on XXXX about how it had been 80 days and it is unexceptable. My husband and I have good credit, good income and they told us it would be a quick and easy process. We had people from the corporate calling us that Saturday trying to get the loan straightened out.Monday we had a XXXX call us telling us we were getting {$5000.00} credit and {$500.00} back in cash because how quickens handled the loan. Thursday morning The vice president of the bank we have our construction loan through and my husband XXXX way quickens because of all the miscommunications and delays. The interest rate expired several times throughout the process and i asked everytime because the interest rate expired we should get a better rate because this was not our fault and they kept giving me the same interest rate saying there was nothing they could do and they tacked on several fees i would have put more documents in the upload section but quicken loans deleted several of them they were trying to charge us XXXX for the appraisel wich is unheard of a long with several other fees but they have been removed i 'm sure they still have documentation of this.The vice president of this bank really stood up for us and told them how unorganized this process has been. After they all disconnected the call quickens called my husband and told him they could not continue because our construction loan expired XXXX XXXX. Quickens has known it was expired for two months. Now we are paying {$6100.00} in interest fees to extend our construction loan and met with an attorney about recouping our losses.
Consumer complaint received 2021-09-21
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: EdFinancial Services (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAP ONE AUTO Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7100.00} {$7100.00} {$7100.00} No. of Months ( terms ) : 73 73 73 High Credit : {$26000.00} {$26000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$7100.00} {$7100.00} {$7100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. Merchandise was taken back by credit grantor ; there may be a balance due. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-01-30
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. (NJ)

I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XX/XX/XXXX
Consumer complaint received 2021-04-06
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. (WA)

I sent A letter to dispute collections and unauthorized inquiries on my credit report sent out XXXX on XX/XX/XXXX and received on XX/XX/XXXX ( tracking # XXXX ) sent out Equifax which were sent certified mail on XX/XX/XXXX and received on XX/XX/XXXX ( tracking # XXXX and XXXX ) I did not receive respond within 30 days. I requested in dispute letters for copies of proof of the the original contract with originals signatures and if the could not verify and provide proof to delete accounts from my credit report within in 30 days. they did not provide original contracts signatures or proof and they did not remove disputes from my credit report. I also requested for all un authorized fraudulant inquiries listed to be removed and they were not removed. I called equifax today on XX/XX/XXXX and XXXX to ask why where they not removed and they stated they can not remove inquiries that I have to write a letter to each company listed on inquiry and dispute them to get them deleted. 
I would like my the collections I listed to be delete and all inquiries listed to be removed
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

CFPB : PLEASE SEND THIS COMPLAINT TO THE US DEPARTMENT OF EDUCATION. THE COMPANY INVOLVED, XXXX, A LOAN SERVICER FOR THE DEPARTMENT, IS THE PROBLEM. THEY HAVE THUS FAR REFUSED TO RECOGNIZE THEIR ERRORS AND I SEE NO HOPE IN CORRECTION. I WOULD LIKE THE DEPT OF EDUCATION ITSELF AND ITS LOAN REVIEWERS TO MAKE A DECISION ON RESOLUTION. 

Problem : XXXX is reporting my account as 90-120 days delinquent to the credit bureaus even as I pay as required under the terms of a recent loan recasting that it had itself calculated. 

XX/XX/XXXX XXXX recasts my loan, including outstanding principal of XXXX, interest due of {$690.00}, fees due of {$47.00} at an interest rate of 4.25 % over a term of 228 months with a graduated payment schedule. The new payment, effective XX/XX/XXXX, is {$290.00}. See Attachment 1 for Loan Recasting terms and calculations. 

XX/XX/XXXX Payment made {$400.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Auto debit fails/payment is not made XX/XX/XXXX Loan is 24 days delinquent XX/XX/XXXX XXXX reports loan as 90 days delinquent with delinquent interest to Equifax, XXXX, and XXXX XX/XX/XXXX Payment made {$290.00} - this is the XX/XX/XXXX payment XX/XX/XXXX Payment made {$1100.00} - this is the XX/XX/XXXX payment with extra for principal reduction XX/XX/XXXX XXXX continues to report loan as 90-120 days delinquent with delinquent interest to Equifax, XXXX, and XXXX XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX XXXX continues to report loan as 90-120 days delinquent with delinquent interest to Equifax, XXXX, and XXXX See Attachment 2 for payment history . 

Throughout XXXX - XX/XX/XXXX, I have emailed, called, contacted XXXX repeatedly. They have repeatedly refused to review and correct their erroneous and destructive credit reporting. My credit score has gone down by XXXX points because of all this, existing credit lines have been restricted if not closed altogether, and higher interest rates applied to existing credit card accounts.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I opened a Truist account with a {$500.00} bonus offer attached to it, and opted for electronic statements. On XX/XX/XXXX, I received an email saying the bonus would not be honored, without any specific explanation. At this time, I attempted to log into my account, at which point the online interface told me that my User ID was not recognized, which continued to occur when I tried again later in the week. Customer support wait times were in the 2-3 hour range and it was not possible for me to operate on this schedule. 

Given that I was told the offer wasn't honored and my account was no longer usable online, it seemed clear to me that my account was closed. However, on XX/XX/XXXX, I received a paper statement in the mail ( despite having opted for electronic statements ) indicating that I was charged both a paper statement fee and an account maintenance fee, totaling a charge of {$14.00}. This is unacceptable, particularly given my lack of access to the account because of Truist 's actions and the lack of availability of its customer service.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I had an issue in late XXXX with someone using my personal information to open a XXXX XXXX  debit card and then trying to withdraw {$10000.00} from it after attempting to transfer from another account from a different bank. I reported this incident to all agencies. 
In XXXX, I received a XXXX XXXX  XXXX in the mail that I did not apply for. I called them up to let them know I didn't apply and asked how this could have happened since I had placed a freeze after the last incident. They mailed me a letter stating that I needed to provide documents containing personal information ( Valid government photo ID, proof of residency, emails/written notifications I received ).
Consumer complaint received 2018-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (AZ)

i have called them on XX/XX/XXXX and made my payment the representative took my payment and she read the script and we were all done so i called back on XX/XX/XXXX to find out why the money is still in my bank acct and i was told that it was canceled bc the rep did not complete the phone call and so the payment was not prepossess rite so i asked to have them pull the phone call and tell me why she put that there if she did complete the call and them i got transfer to a different department to do other things and do i got a rude manager on the line very very rude service in this company she said she cant help me so she got me over to the collection department and the rep there when i told him what happens and i said this crazy people in costumer service need to be train ride he said he is not going to talk to me and hung up the phone and did not take my payment for my house so i called back to talk to some one else i was on hold for over 45 min and cant get no one on the line ever why do we have to have company in this world when they refused to talk to people with a professional matter and help them why are this people taking this personal and not handling this professional level.. 
i got my house in XX/XX/XXXX and they finance us thru XXXX XXXX and this has been a nite mare with them
Consumer complaint received 2021-08-17
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: Experian Information Solutions Inc. (PA)

This company did not complete an accurate investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services (IA)

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. I sent a letter to AAMS XXXX and I have yet to hear back about in regards to the status of that letter.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (OR)

XXXX attempted access to my account with a company called XXXX to access my business webpage, I could not and access my account company could not advertise through XXXX, XXXX and local listings. This was reported numerous times to XXXX, XXXX and XXXX. I lost all access to my business and and to my XXXX, XXXX, business accounts and still have no access. 


I soon after discovered that I have also lost access to the following personal and business accounts, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. this was all reported to the companies listed as well as the following agencies ; FTC, XXXX, XXXX, XXXX, XXXX. 

My accounts have been used for online purchases and I have also have no control of any of these accounts and have had my identity completely stolen with no ability to attempt recovery. THIS IS ALSO HAPPENING TO MY FIANCE. 
We have also reported the suspected individual and companies who are responsible.