davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have remaining items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an FTC REPORT # XXXX. Ive already included these remaining items in my previous letter & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-03-31
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. (FL)

In accordance with the Fair Credit Reporting Act Dept of XXXX Acct # XXXXXXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 

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 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In XX/XX/2020 an agreement was made with XXXX XXXX to catch my account up. The agreement was that I would no longer he e a delinquent status if I agreed to lay XXXX by the end of each month on XX/XX/XXXX of 2020 XXXX was paid. The delinquencies on this account should have been removed before XX/XX/2020 dating back to when the delinquency began. Request that the new agreement allowing XXXX payments be provided. My payments starting in XXXX and continuing up to this day need to be honored. I have disputed this Numerous times with no success
Consumer complaint received 2018-11-17
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC (FL)

I purchased insurance on my home on XX/XX/XXXX to comply with my reverse mortgage. On or about XXXX XXXX XXXX, I received a notice from XXXX claiming I had not purchased insurance on my property. I wrote them back on XXXX XXXX with all the information they requested about the insurance I had already purchased. On or about XX/XX/XXXX, I received another letter from XXXX claiming that I had still not purchased insurance on my property. I called them back right away and the XXXX rep. took all the information again to show I had the insurance. XXXX  ignored all of my communications with them, and even though they had all of my information and could have called me or sent an email, on or about XX/XX/XXXX, I received yet another letter from XXXX claiming that I had not purchased any insurance. I notified the agent for the insurance I had purchased back in XXXX, and he sent a fax to XXXX  on XX/XX/XXXX with all the information about my policy. I also on that date sent a certified letter to XXXX informing them of the many attempts I had made to inform them that I had insurance. On or about XX/XX/XXXX, I received a letter from XXXX  that they had used my funds to purchase a second insurance policy on my home, and that the purchase would show up on the next report of how much I had available in my line-of-credit with them. 

As their actions have now cost me {$1700.00} to pay for a full year of what they claim is a second insurance policy on the same property, my home, and as they continue to ignore any communications from me, I am convinced that this is another scam to cheat the elderly. Can you help me, and what do you advise I do?
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NE)

We purchased a washer with the Lowes credit card ( total amount {$860.00} ), and it was broken upon delivery on XX/XX/2021. We sent it back, and the order was marked as returned in Lowes system. Lowes called us and told us that we had to place another order to get the washer. The store then tried to place an order for us by asking us for our Lowes card information, but we said we would place a new order ourselves ( they then refunded the money for this 2nd order they placed without our final permission - this amount was {$830.00} ). We bought another washer that was successfully delivered on XX/XX/2021 ( total amount : {$820.00} ). Lowes didnt refund us for the original order ( {$860.00} ), and we filed a dispute with Synchrony which was accepted to be process. On XX/XX/2021, we got a letter stating that Synchrony has adjusted our account for the disputed amount, but they never applied this credit to our account. Please see the attached statement as of XX/XX/2021. I tried contacting Synchrony again but didnt get an answer. This has been a very frustrating experience.
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (MD)

This organization ( XXXX XXXX XXXX ) is harassing my family members by calling their house. I do not live there nor have I lived there for over 10 years. They are sharing information about my debt with them and I believe it is inappropriate
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX
Consumer complaint received 2016-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AR)

Over a period of a year I attempted to modify my mortgage loan by submitting documentation to Wells Fargo. On the pay before the Foreclosure Sale, Wells Fargo denied the modification request because the utility bill for the home had been mailed to the P.O Office Box. The utility service address on the utility bill is the address for my home. The P.O. Box is the address on my Wells Fargo account. For verification purposes, Wells Fargo has always verified my I. I. by requesting the information on my mailing. address
Consumer complaint received 2022-11-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (TX)

I used acima finance company for some furniture from XXXX, i have made all my payments on time i used a credit card to make the payments and i notice on XX/XX/22 every time i made a payment to the company i have been getting charged a XXXX $ XXXX advance fee. I asked the company how are the charging me an they stated as a debit card instead of a credit card, i asked if they can charge my card back and then take the payments back as a credit charge they stated they cant do that an they cant do anything to help me but pay one XXXX $ charge.
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TN)

My servicer was recently changed from Dovenmuele to The XXXX XXXX. 

I have made every payment through bill pay at my bank. I received a payment returned for my XXXX payment. I was unaware at the time that bill pay was sending it to the old servicer. 
I got my new account set up at XXXX, and the balance due was showing two payments were due instead of just one ( XXXX ) I immediately caught up the mortgage payment, and started researching... 
Apparently XXXX payment was sent out through my bill pay and received by Dovenmuele, I had proof from my bank of this. Dovenmuele said they did not have my payment. After I sent them the proof they MAGICALLY found my payment! 
They told me they were going to wire this amount back to my Bank, this was on Friday XX/XX/XXXX. I have called my bank everyday to check on the payment... I still have not received it. It is now XX/XX/2022. My money is floating somewhere and its absolutely ridiculous the time spent and the work I have had to do just to prove that I sent them this payment! They would have kept my money if I had not put the effort into it...
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2018-06-06
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: CL Holdings LLC (MI)

XXXX XXXX account was opened in XX/XX/2017 and it has a balance of {$450.00}. Ive called XXXX several times to resolve this and theyve yet to rectify it and its reporting on my credit. Also, theres a XXXX XXXX bill on my credit, opened XX/XX/2017 with a balance of {$1900.00}. Ive contoacted them several times and even attempted to do a payment plan because its on my credit. Its unfair because this is not and was never my account.
Consumer complaint received 2018-01-30
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: CITIBANK, N.A. (CA)

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit. While these applications did not yield accounts the fraudulent related inquires were found on the credit reports. Previously we sent official disputes to the creditors however two are still being reported to the credit bureau XXXX. A recent XXXX credit report shows that inquiries with CBNA and XXXX XXXX? XXXX  XXXX are still being reported AFTER official disputes were provided to both of those banks disputing the applications as fraud related. This is now a violation of her federal consumer rights.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I am requesting a copy of the original assignment of my loan account from XXXX. I am requesting documents to show and prove Wells Fargo Had the right to collect or had rights to my loan. 
Wells Fargo received a assignment from the FDIC XX/XX/2012. Still there are not records that show how Wells Fargo had the right to collect any payments on my loan prior to this.
Consumer complaint received 2024-02-23
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, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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: CITIBANK, N.A. (GA)

To Whom It May Concern : I called Sears Repair on a complaint that I was not receiving ice from my XXXX refrigerator. A technician was sent out to inspect he informed me that my ice maker was inoperative and that I needed another one, which required 3 different parts for repair. It also required that I defrost and unplug my refrigerator for two days. The parts were sent to my home XXXX delivery. On XX/XX/2019 a second technician arrived to perform the repair after performing his inspection, he determine that I didn't need this repair and parts that was present. It only required the defrosting of the unit, which he explained often happens on this particular XXXX refrigerator. He put in his computer all the information and refund to me credit back to my account. He gave me labels to put on the Parts Packages that I needed to return back to Sear through XXXX on that date. I have all the documents date and time in which XXXX delivered to Sears and whom sign for its return. I have unsuccessfully sent all this information to Sears to present proof of the return and requested that they update their records to reflect but as of to date absolutely nothing as been done. Thank You..
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX sent me 3 different sets of paperwork ( which I 've attached ). The information XXXX XXXX sent me bears different dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These loans are fraudulently reporting to credit bureaus and I 've asked them on numerous occasions to validate this debt. My concern is that XXXX XXXX paperwork contains 3 different hand writings that are n't mine. Not to mention the dates are way past the statue of limitation. The first one that states consolidation loan bears a signature that does not match my own along with a stamped date of XXXX/XXXX/XXXX. The second statement has XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the last statement says XXXX XXXX XXXX which is not my name at all on XXXX/XXXX/XXXX. This is very concerning that XXXX XXXX does n't have proper documentation on said accounts and is a violation of my rights.
Consumer complaint received 2022-03-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal uses the wrong info on the XXXX report. NFCU HAS MY CREDIT ACCOUNT SCORE AT XXXX.MY XXXX SCORE IS XXXX. I JUST ASKED FOR A NEW LOAN SO I CAN GET A LOWER INTREST RATE ON MY LOAN. THE SAME THING HAPPENED TO ME WITH NFCU ON A PREVIOUS LOAN. I WAS DENIED A LOAN BASED ON INACCURATE INFORMATION WHICH I HAD TO PERSONALLY CORRECT BY OBTAINING THE CORRECT INFORMATION ON MY OWN. THE LOAN I ASKED XXXX WAS BASICALLY THE SAME AMOUNT THAT I OWE ON A HOME IMPROVEMENT LOAN. I HAVE READ THAT NFCU MAKES IT DIFFICULT FOR PEOPLE IF COLOR TO OBTAIN LOANS, AND IF THAT IS VALID. I FALL INTO THIS CATERGORY.I HAVE A FLAWLESS REPAYMENT HISTORY WITH NFCU & 30 YEARS AS A MEMBER. I DO NOT UNDERSTAND WHY I WAS TURNED DOWN FOR A LOAN THAT IS ALMOST FOR THE AMOUNT I CURRENTLY HAVE.
Consumer complaint received 2021-09-10
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. (NC)

I have been disputing erroneous information with Equifax, XXXX, and XXXX regarding accounts that were a result of identity theft. I submitted the identity theft affidavit that showed these fraudulent charges happened to accounts that I had. I attached the police report, identification, etc. I have submitted a XXXX Letters and also sent letters for Method of Verification. The only thing that consistently comes back is verified. One credit bureau is actually reporting these accounts in good standing while still stating it's a chargeoff. I have sent copies of the police report. id theft affidavit, state-issued id, all documentation, and only receive credit reports back saying verified or they will ask for the same information all over, The same regarding my personal information. None of the credit bureaus have complied with the FCRA regarding providing me proof and copies of what's in my file regarding these accounts.
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
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. (NJ)

Experian is refusing to remove inaccurate unverified information. After XXXX their 3rd party vendor removed and inaccurate information. I provided the supporting documents to experian from XXXX. 
Accounts XXXX
Consumer complaint received 2021-09-10
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. (NC)

I have been disputing erroneous information with XXXX, XXXX, and Transunion regarding accounts that were a result of identity theft. I submitted the identity theft affidavit that showed these fraudulent charges happened to accounts that I had. I attached the police report, identification, etc. I have submitted a XXXX Letters and also sent letters for Method of Verification. The only thing that consistently comes back is verified. One credit bureau is actually reporting these accounts in good standing while still stating it's a chargeoff. I have sent copies of the police report. id theft affidavit, state-issued id, all documentation, and only receive credit reports back saying verified or they will ask for the same information all over, The same regarding my personal information. None of the credit bureaus have complied with the FCRA regarding providing me proof and copies of what's in my file regarding these accounts.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (OR)

I have an XXXX store line of credit ( via synchrony ) and wanted to transfer the balance to a new card I just opened with my credit union. 

They said they do not allow them. 

" XXXX XXXX : AgentXXXX XXXX : We do apologize, unfortunately we currently do not offer balance transfers between credit cards. I regret the inconvenience. '' So basically they are not accepting a check that was already sent to them by my credit union, and keeping me locked in to a higher interest rate. I think that is criminal/highly unethical. My credit union tried to send them money but they rejected it. How is that okay?
Consumer complaint received 2016-04-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

I lost my mom on XXXX/XXXX/XXXX, she had fell behind on her mortgage in XXXX. She was also receiving help from NJ XXXX at the time. They were paying a portion of moms mortgage and mom payed the rest. When mom passed she willed the house to myself and my brother, my brother XXXX on XXXX/XXXX/XXXX. I contacted Ditech 2 months after mom passed and the gave me a trial period payments with the promise of a loan Mod. at the end. I made all XXXX payments and then the claimed because mom dies I needed to assume the mortgage ( which I am more the happy to do ) To this date the have not accepted any more payments and have filed suit in court with the intent to foreclose. Everything they have asked me to submit I have. I truly believe the have acted unfaithfully. This is my moms live long work and my childhood home. I would appreciate any and all help in trying to keep our home.