davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper / Nationstar overpaid my insurance resulting in a refund which they never reapplied to my impound account or mortgage balance. Essentially Mr. Cooper / Nationstar overpaid my insurance and then kept the refund, stealing a {$2200.00} refund meant from me.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/2019 collection agency XXXX XXXX reported an open balance of {$1000.00}, I contacted the original creditor XXXX, XXXX and XXXX  to advise them this was included in Chapter XXXX discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I AM IN DIVORCE PROCESS, FOR THAT REASON MY CK ACCOUNT IS FROZEN. 
DURING THIS PROCESS WE HAVE ANOTHER TEMPORARY LEGAL ORDER FOR THE JUDGE WHERE ESTABLISHED WITHDRAW THE MONEY ONCE A MONTH FOR FOR {$6500.00} ( ATTORNEY FEES ) ( ONLY ONE TIME ) AND {$2000.00} FOR MY LIVING EXPENSES EVERY MONTH COMMENCING ON XX/XX/2019. ( THAT LEGAL ORDER XXXX. XXXX MY ATTORNEY SENT TO BANK ). 
THE PROBLEM WITH THE BANK WELLS FARGO IS THEY WONT GIVE MY {$2000.00} FOR XXXX. ( SEE PAGE 10 OF THE TEMPORARY ORDER ) I CLAIM MANY TIMES BY PHONE BUY THE LEGAL DEPARTMENT WONT RECOGNIZES THE LEGAL INSTRUCTIONS FOR THE JUGDE, WITHOUT ANY EXPLANATION ANOTHER COMPLAIN WITH THIS WELLS FARGO BANK IS THE FIRST TEMPORARY ORDER EMITED BY COURT IS FOR ALL MY PERSONAL ACCOUNT. IN THIS CASE THIS ACCOUNT IS A BUSINESS ACCOUNT, NOT A PERSONAL, SO WHY THEY DECIDED FROZEN AND AFFECTED IN MY BUSINESS?
Consumer complaint received 2020-11-16
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: Global Lending Services LLC (UT)

1. On XX/XX/2020, GLOBAL LENDING SERVI add a hard inquiriy on my credit report per XXXX. 
2. On XX/XX/2020, XXXX XXXX XXXX XXXX  add a hard inquiriy on my credit report per XXXX. 
3. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-10-27
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. (CO)

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. 

I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. 

My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MN)

Equifax compromised my personal credit information in their recent data breach ( as confirmed by them on their equifaxsecurity2017.com website ). This compromises all of my current and future financial accounts. I would like resolution/compensation.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 a request for validation from XXXX XXXX was sent Certified mail : # XXXX XXXX XXXX XXXX XXXX After 30 days they provided no response. 

I did not give XXXX XXXX Lawful Authority to obtain my information 18 U.S. Code 1028 On XX/XX/XXXX a request was sent to Experian Certified Mail : XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i for removal of any remarks that are inaccurate, incomplete or that were not able to be validated by either. They were not able to provide any of the documentation required by law to show proof that ; The debt belongs to me By providing ; *The original contract with my signature XXXX XXXX license to collect in the the State of Texas *Proof that the debt was purchased or assigned to them *Full payment history from the original creditor Not one document was provided, by either. 

As well as the inquiry removed by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I have no account related to this company nor did I request any information from them or give them consent to view my credit report.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions. Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-06-04
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. (AL)

I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I've contacted the FTC, the police and I'm doing this on my own behalf. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXXXXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681, Section 604a, Section 2, states that " In general, subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX the financial institutions, and consumer reporting agencies XXXX and Experian do not have my written consent. Any and all consents to Experian, XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. '' XXXX and Experian are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. '' i
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (HI)

On XX/XX/2020 I discovered that Equifax Credit Bureau dropped my credit score by 92 points in a 30 day time period. The only change in my credit card balances over the last 30 days is a XXXX purchase in which I countered with a XXXX credit line increase with two of my creditors. According to the credit report from Equifax my Credit usage is 9 %. I called XXXX XX/XX/2020 Equifax to find out why my credit score dropped drastically. The representative informed me that she could not discuss my credit score over the phone. But that she could provide me with a free credit report, and will send it regular mail. I agreed to the free report! Bottom I believe that Equifax made an error in calculating my credit score. I need this issue resolved. I feel helpless, for I have done very well managing my credit and should not be punished like this!
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JH Portfolio Debt Equities, LLC (CA)

On XX/XX/2019 I sent a letter ( attached ) to credit control via USPS certifeid mail, which was received by them revoking consent to be contacted by telephone. Despite sending my revocation of consent to be contacted by telephone Credit Control LLC contacted me on my cell phone on XX/XX/2019 and on XX/XX/2019. This is a violation of the Fair Debt Collections Practices Act and is total harassment. I am requesting that Credit Control have their counsel contact my counsel to resolve the matter.
Consumer complaint received 2020-10-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LCO Financial Services, LLC (FL)

This company has harassed me from day one. I have asked them repeatedly not to contact me at me place of employment l, and they continue to do so on almost a daily basis. They are putting my job at risk. I explained that the number was listed on my loan app only for verification purposes. They are a nuisance. I need for this issue to be corrected.
Consumer complaint received 2019-06-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mobiloans, LLC (VA)

Called me during work hours, and after I politely asked him to call me after work he started raising his voice, saying " You need to pay your bill, you haven't made a payment in a year, '' and that was after I asked him not to call me until after XXXX XXXX. I believe I had {$500.00} when I no longer had the ability to pay ( child support arrearage, etc ), and that amount has since gone up to the thousands.
Consumer complaint received 2018-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES (IN)

XXXX worth in student loan debt. I keep asking about the forbearance issue and they keep telling me they cant help me or dont know anything about it. Ive tried to talk to multiple people about my situation. The school my loans are through are closing and is being sued due to fraud and lying to students. I was told that i am capable of getting my loans discharged because of the school and not being able to use my degree or anything. Ive been requesting help and havent been getting any. Besides being told what i owe and how i would like to go about paying it
Consumer complaint received 2018-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AZ)

Repeated telephone messages from Wells Fargo Bank left on XXXX for someone unidentified or unknown. Latest message on XXXX XX/XX/2018 at XXXX MST. Text : " This message is for XXXX. My name is XXXX and I'm calling from Wells Fargo Bank. My telephone number is XXXX XXXX. My extension is XXXX. Please return my call at your earliest convenience. Thank you. '' There is no XXXX associated with this number and there never has been. The owner of this telephone number has no relationship of any sort with Wells Fargo Bank. Wells Fargo Bank has been notified via telephone callback months ago that they have been calling the wrong number.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (OH)

Equifax mishandled my credit report with 209,000 other consumers in a massive data breach. I am now at risk for identity theft or tax fraud, according to equifaxsecurity2017.com, as are many others.
Consumer complaint received 2021-08-12
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. (TX)

In XX/XX/2017, Experian unlawfully used my credit report without my permissible permission leading to the fraudulent and forged loan with XXXX XXXX XXXX XXXX listed in my credit report. Attached is the incomplete, undated, and forged application used to access my credit report. It was sent to me by XXXX XXXX XXXX XXXX as the document used to asscess my personal information. It was not to be processed by Experian but Experian allowed it. Also attached is the sheriffs report filed in XX/XX/2017 listing XXXX XXXX. Experian can blame whoever they want but remove XXXX XXXX XXXX XXXX from my report.
Consumer complaint received 2020-12-04
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. (AZ)

XXXX holds 8 students loans of mine, and I have been in deferment since day one due to income. However they have all eight accounts showing extremely late like 120 days and I've never even had a payment agreement to be late on. I've written them several times with no changes and no reply. I've left my number, email, address and I've gotten nothing. I called once but the person didn't make any sense so I wrote in to have proof of correspondence. The person I spoke with ( XXXX ) stated she doesn't know anything about credit reporting and that I should call back in the early morning because managers are there at that hour. Like I said ; it didn't make much sense to me so I wrote in. I've also been disputing it with all three credit bureaus and I'm going on month ther three with no response or change. This is creating a huge drop in my credit score and creating problems with even being able to rent a home. Because my score drops so significantly because it's 8 different loans so they hit me 8 times. I really need this taken care of. Any help would be greatly appreciated. 

Thank you so much!
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my instructions
Consumer complaint received 2018-07-23
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: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX DATE : XX/XX/XXXX CHASE CARDMEMBER SERVICE XXXX. XXXX XXXX XXXX, DE, XXXX Attention : Legal Department To Whom It May Concern : This letter is in response to your letter for account : XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate. 
As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
Consumer complaint received 2022-08-13
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. (NJ)

Dear Experian, I, XXXX XXXX XXXX XXXX XXXX, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XX/XX/2017 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

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

Delete this account immediately, unless you want to be held XXXX per violation.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I have a medical debt that is XXXX and all 3 credit reporting agencies XXXX, Experian and XXXX all stated and show on their websites that medical debt under {$500.00} will no longer be reported yet they will not delete this bill that is in collection and under XXXX as of XX/XX/XXXX XXXXThey all state this debt shouldn't be reported after XX/XX/XXXX XXXX