davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Did Wells Fargo pull a bait & switch by changing a 15-year mortgage to a 30-year mortgage at a higher interest-rate? Over the term of the loan, total interest payable was increased by {$160000.00}. It is a sad tale of nonexistent emails, lost documents, discovered exhibits, mysterious sentences, secret guidelines, disappearing taxes and bad math. Really bad math. Wells Fargo based its action on numerous misstatements of fact, having the effect of understating income and overstating debt in the critical debt-to-income ratio. More importantly, when Wells Fargo last month finally disclosed how it computed its final DTI ratio, it became apparent that the monthly amount it allowed for the 30-year higher-rate mortgage was more than sufficient to pay the 15-year lower-rate mortgage. Yet, Wells Fargo approved only the 30-year loan and denied the 15-year loan. While it is unclear whether Wells Fargo made these many mistakes out of intent or incompetence, it should quickly correct its now obvious error out of simple  fairness and to avoid acting in bad faith.
Consumer complaint received 2020-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC (AZ)

I have a mortgage that originated XX/XX/2020. I secured property insurance through my carrier of choice - XXXX XXXX, which I quoted on XX/XX/2020, and XXXX has billed my escrow account at XXXX Mortgage for the premium on XX/XX/2020, XX/XX/2020, and XX/XX/2020. That bill is still unpaid, and I have a notice of pending cancellation effective XX/XX/2020 from XXXX. I had to resort to paying XXXX out of my own pocket and XXXX should receive the money on XX/XX/2020. 

Another insurance company wrote a policy for our property, which I was not aware of and Envoy paid this random company instead. I was unaware any of this was going on with this random company until early XXXX, when I received the notice of non-payment from XXXX. I managed to get a refund from this random insurance company sent to me, which I promptly sent to Envoy to apply to my escrow account so that they could pay my true insurance company XXXX. I did not know anything was amiss because this other insurance company never sent me any paperwork. 

I have tried multiple times to call Envoy at XXXX. I apologize, I do not have dates. But I have spent many hours on hold at that number, only to have their system hang up on me every single time. One time, I did hear what sounded like voices in the background but nobody picked up. I wrote to them in their online portal on these dates : XX/XX/2020, XX/XX/2020, and XX/XX/2020. I provided my phone number and email address to contact me. I have not received a single response other than a confirmation email stating that they have received my request. 

I do not have any documentation from Envoy other than the confirmation emails as they have been 100 % unresponsive with me.
Consumer complaint received 2017-08-07
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: ID Analytics, Inc. (CA)

I tried to get an auto loan and SageStream reports my credit score at almost half of other credit info services. I tried to go online to get a copy of my report to see why but they require copies of my original ID, SS # and I do n't want to put that out there. They do not offer an easy access to my information online so I can see and dispute its accuracy. But mostly I never heard of these people before and my score is only low with them so I am concerned they do not know what they are doing and they are ruining my credit reputation out of their incompetence.
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I previously submitted a complaint on XX/XX/XXXX in regards to XXXX XXXX attempting to collect for a debt that is not owed by me. The company XXXX XXXX responded on XX/XX/XXXX stating that I retained an attorney, and that they do not have a record of my attorney 's contact information. They requested that I provide that information so that they can contact my attorney directly. Lastly, Midland advised me if I was a victim of fraud to provide them with a copy of a police report or affidavit of fraud showing that I have reported the fraudulent activity. Since then I have sent ALL of the requested information as requested by Midland Funding. I sent a letter with my attorneys information and contact number as well a notarized copy of an affidavit from the FTC reporting the fraudulent activity. These documents were sent out certified mail on XX/XX/XXXX it was received by Midland on XX/XX/XXXX. I received a letter from Midland dated XX/XX/XXXX stating that " We are uncertain of what you are specifically disputing '' and " provide written explanation and documentation demonstrating any errors in our account information ''. Again, a request for my attorney 's information is asked for again. The same information was sent to XXXX XXXX XXXX the original creditor, I have not yet received a response from them however I XXXX is no longer reported on my credit reports. In this case, if the original creditor has been removed from my reports I DO NOT owe Midland Credit Management nor do I have a contract with MCM. I have done ALL that has been requested of me to resolve this debt and MCM has NOT provided anything VALIDATING this debt, I have since then followed step by step instructions from MCM to further resolve this debt and still I am being told that they are uncertain of what I am requesting.
Consumer complaint received 2018-06-03
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. (TX)

I have submitted my FTC and police department reports regarding my identity theft to all three major credit bureaus on more than one occasion. A few marks have been corrected, in their defense, but not all of them even though I have disputed them several times. I am a single mother and I am trying to buy a home asap for my daughter, who is in college, and my infant son. They should not have to pay for a theifs wrong doings. I work hard to provide for my children to make sure they are contributing members of society. The goods were even delivered to the person, who stole my identity, home. The identity theifs name is XXXX XXXX XXXX and the address is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. I have proof that I have not lived there in years. After she stole my belongings she had an order put in place so I could not come retrieve any of it. I clearly am not allowed to even go to the house much less receive, packages, credit cards or mail there. help me get this fixed. I'm desperate at this point. Thank you for your time and patience.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2022, I received a letter that synchrony bank/ Value city card closed saying too many revolving credit accounts with this account having no payments due and paid in full they closed it. I believe this is unfair because they have no idea that I had fraud on some of my accounts and just to close this one for basically no reason is really wrong. This account never had a late payment and balance was paid in full. I know this affects my credit report. Please look into this. This is completely unfair.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This XXXX XXXX XXXX  card account has been reporting incorrectly on my credit reports for years. I DO NOT recognize this account. It should NOT be reporting on my credit reports.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX  XXXX  XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

XX/XX/2022 after 17 years with XXXX decided to look for cheaper cell phone service. Saw XXXX advertised person over XXXX got a discount and also got a discount for auto pay. After talking to a XXXX representative in person saying I would not get the discounts and it would cost more than XXXX  which I had for 17 years I decided to go to another phone carrier that was cheaper. My wife and I both decided to have our cell phone numbers ported over again after 24 hours. I made numerous attempted phone calls to XXXX to dispute the matter but they ignored my request. Also at the time my social security number was not given to XXXX. Now they have turned it over to collections and some how XXXX got my social security number. Since XX/XX/2022 XXXX is not advertising cell phone service for 1/2 of what they were XX/XX/2022. The information they gave me at the time was very misleading and their cell service also not working very well in my house. I do not have other means of telephone communication and need a cell phone to work inside my house. I have also received letter from collection debt collector that I have an attorney which is false and misleading. I request assistance in this matter. Thanks!
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I have attempted to UN-Freeze my credit report in order to apply for my mortgage. 

Experian is the only bureau that I souls not complete this with. Experians system has locked me out and I can not access my account to unfreeze it. I have called more than 10 numbers with no help. I have mailed in the forms required to Un-Freeze my credit and it is still not working. 

Experian has no way available to reach a human via phone or email to resolve this problem. 

I need experian to UN-FREEZE my credit or I will lose the house.
Consumer complaint received 2017-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have attempted to reconcile my repossessed vehicle payoff with direct phone calls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and finally a consumer protection email on XX/XX/XXXX requesting to attempt to reconcile my defaulted car loan with Capital One. I have left voice mails stating my desire to try and get this taken care of. I am trying to do the right thing but they refuse to even try to help me get this done! Please help.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

The company has never reach out to me regarding the debt. The company keeps reporting the debt as an open debt as of XXXX. A certified letter was mailed out to the company back in XX/XX/XXXX asking for verification of dates of service and other necessary information. The company failed to respond to certified letter and no communication has ever been received from company however company is still reporting to credit with last reporting of XX/XX/XXXX.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-05-05
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. (MI)

XX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} THIS IS NOT MY ACCOUNT. My identity was stolen and used to attain phones. This had been settled with XXXX and is still showing on there. 

XX/XX/XXXX XXXX XXXX XXXX Balance : {$8500.00} THIS IS NOT MY ACCOUNT. 

HARD INQUIRIES that I did not do nor authorize on my XXXX report : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES and accounts that I did NOT authorize on my EXPERIAN report : XX/XX/XXXX XXXX  XXXX XXXX : {$3600.00} THIS IS NOT MY ACCOUNT INQUIRIES : XX/XX/XXXX XXXX  ( I wasnt even in the USA ) XX/XX/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
Consumer complaint received 2019-10-28
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: CMRE Financial Services, Inc. (CA)

While checking my credit report I noticed an account that was not mine that was in collections/chargeoff. 
The information is Original Lender XXXX XXXX XXXX XXXX. 

Bureau Name CMRE FINANCIAL SERVICES Date-XX/XX/2019  Amounts- {$3200.00} This should be under my fathers report. 
We have the the same name exception of are middle name.
Consumer complaint received 2020-11-17
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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters told me when I paid this in full they would delete from my credit report. It has been months now and still showing on my credit report. Did they just lie to me about this just to get it paid. I up held my end and paid on the faith that they would delete this from credit report.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (NY)

Unfortunately, CFPB and regulatory agencies are failing in enforcing banks and financial companies to provide minimum customer service. 

I have a question about a charge in my card, and it is XXXX impossible * to contact anyone. Customer are left XXXX completely XXXX unassisted. Obviously, on purpose. 

How CFPB and regulatory agencies allow that? 

Prepaid cards often have very little time to be used ( a few months ). 
MyPrepaidCenter.com, maintained by Blackhawk Network , Inc, has a Contact Us link. The card in question is a Mastercard and they provide the telephone number XXXX. 

Please, call this number. You will be in an automated system with no option to speak to anyone. 

It seems the * only * way to ask a question is to send a physical letter to the address : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TX XXXX Letters take many days to arrive, can be lost unless you spend more which can be cost prohibitive ( why send a {$5.00} letter to question a {$15.00} charge ). 

Is this the best you can do, CFPB and regulatory agencies? Allow business like Blackhawk to operate with no customer service at all? 

Business like Blackhawk they laugh at regulatory agencies.
Consumer complaint received 2021-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

During XXXX, I paid total escrow of {$34000.00} to AmeriHome Mortgage Company , LLC ( AmeriHome ). 
During XXXX, AmeriHome disbursed {$12000.00}. My closing XXXX XXXX ) escrow balance was {$15000.00}. AmeriHome states that the escrow balance is not a surplus and continues to demand a monthly escrow amount, for XXXX, of {$1700.00}. 
I have called AmeriHome to request an explanation of why I do not have a surplus and why am I being required to continue paying monthly escrow during XXXX. The representative told me he could not answer my question but will have a supervisor call me. It has been over 2 weeks and I have not received a call.
Consumer complaint received 2023-03-22
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-29
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 received emails from Transunion and XXXX  alerting me that eleven hard inquiries and a XXXX reservation were now on my credit reports using my first/last name and social security : TRANSUNION XXXX XXXX - XXXX ) XXXX XXXX Bank XXXX - XX/XX/XXXX XXXX ) XXXX XXXX - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX/ XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX USA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX ) XXXX XXXX, XXXX, DC XXXX {$310.00} I DID NOT APPLY OR SUBMIT ANY APPLICATIONS FOR ANY OF THE ABOVE HARD INQUIRIES. I have requested a Credit Freeze with Transunion and XXXX bureaus. 
It has been a stressful and tedious process in contacting all of the hard inquiries companies in the attempt to clear my name.