davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (MD)

I sent a letter regarding the matter however, no response from the company. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " WFDS d/b/a Wells Fargo Dealer Service '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2016-11-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UBS BANK USA (NY)

1. UBS refuses to respect a duly executed power of attorney. 
2. UBS is unreponsive in processing an international estate liquidation. The process was initiated in XXXX 2016, and it remains unresolved to-date. Communication from UBS has been scarce and few. After several phone calls, voicemails, and emails, I am still unable to reach someone who is able to provide a meaningful status update of the account liquidation. UBS is maliciously delaying the process, and depriving the surviving account owner of much-needed funds.
Consumer complaint received 2021-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (IL)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2015-06-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX XXXX XXXX XXXX, I have sent the requested documents and they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is not following the California Homeowner Bill of Rights. This law banned the dual- tracking of forclosure. Wells has set a forclosure date of XXXX/XXXX/15 without giving me an answer to my completed loan modifIcation application. I have been trying to work with my bank, I believe they have not been willing to work with me because I am XXXX.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

1681s-2 ( a ) ( 1 ) ( B ) - After a dispute, the information can not be furnished if the information is in fact inaccurate. 

AFFIDAVIT Notice, it is a fact, affiant is aware, This information has been disputed. After this procedure upon discovery, my consumer report is still showing the information inaccurately. This is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) and the account must be removed. 

This furnisher is not following industry 's own XXXX XXXX Compliance and reporting ACCURATE AND COMPLETE information and they have not, which is a violation of the FCRA. I have prepared my exhibits in case arbitration or litigation will be a necessary step going forward
Consumer complaint received 2021-04-29
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), this company is required by federal law to verify, through the physical verification of the original signed consumer contract. This has not been produced, nor has account has not been validated, in the allotted timeframe. I have yet to hear a response from company. I demand deletion of this account
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for an XXXX XXXX American Express XXXX, the offer said that the welcome bonus is XXXX XXXX bonus points and a free night certificate if i spent {$2000.00} in 3 month. I spent over the spending requirement, and the bonus points wasn't credited to the account. When I called and inquiry they told me at the time of the signup, they told me that i wasn't offered this welcome bonus but my credit card application was approved. This wasn't told me at the time when I signed for the card, and I paid the {$95.00}. Unclear process, very unreasonable and misleading. Since I don't recall I saw that I was declined a signup bonus, since this is the first time I applied for XXXX American Express Credit Card. Also, I paid for the {$95.00} annual fee.
Consumer complaint received 2022-02-08
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: NAVY FEDERAL CREDIT UNION (CO)

Navy Federal Credit Union has reported a fraudulent account on my credit reports. I have contacted them several times once I discovered these active accounts. They years later are on my credit report even though I have disputed them several times. XXXX, XXXX, and XXXX refuse to remove them.
Consumer complaint received 2022-02-08
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. (TX)

They been sending me this for over ten years and they refuse to send me date of service and copy of original invoice, like I have requested. I have no idea what they talking about. There should be a law to prevent reporting agency from putting this on a person report without first investigating it their self and send a letter to the people, to verify if its a true statement..
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (NC)

on XXXX showing should be removed over removed will not be removed. showing opened it is closed only account is mine is XXXX and XXXX inquiry is not mine sent in XXXX police report and federal trade commission avidavitplease removed from credit report.
Consumer complaint received 2017-02-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation (CA)

Super high interest, just borrowed {$750.00} loan, i pay them {$240.00} twice a month, every payday and the rates super high n it will come up to almost {$3000.00} for the whole duration of the loan, its yoo much .. 
Name of company Zocal Loans
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

I disputed recently the XXXX XXXX XXXX card that is showing up on my credit report with you because the card was opened without my knowledge this is the case of identity theft you have removed all the other accounts that were opened but for some reason the XXXX XXXX XXXX card is staying on there Equifax is the only one thats reporting this the other XXXX credit reporting bureaus have removed the account as being fraudulent why formation and do you have that 's proving this account belongs to me I mean my credit report have shown variations in my social security number being used at one point there where a couple mail forwarding addresses that have been removed at this point I mean obviously it has my name on the card and I would imagine that a lot of the information is very similar or the same this is why its called identity theft but I would like details as to what information you have obtained that has led you to the conclusion that this card belongs to me
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE LENDERS OF AMERICA (TX)

I had put in that I was interested in a mortgage with XXXX. I was inundated with emails from XXXX XXXX even though I never responded. He called many times until I finally answered. Although I told him I was not interested in a VA loan he would not let it go and I had to finally be rude and cut him off to tell him I was done with him. When a customer says they do n't want to do something then that 's where it should stay.
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (VA)

I opened a credit card with American Express with the express purpose of transferring a balance from another American Express product. This was clearly stated in the conversation that I had with the American Express representative. Not only did she state that I could transfer the balance, but that it would also be allowed under the 0 % for 6 months offer that they were running. I opened an XXXX account at that time. When I called to transfer the balance, they told me that they could not transfer balances between American Express products. They offered no remediation. I subsequently closed both my new " Blue '' card and my American Express " Green '' card. I still have the " XXXX True Earnings '' card that was the original card from which I wished to transfer the balance. I feel that the American Express agent selling me the credit product intentionally committed fraud to make a sale. I have reported this to their own fraud department who refuses to call be back at this writing.
Consumer complaint received 2015-09-26
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: NCB Management Services Inc. (CA)

This company had called and threatened coming after my family and I filed a cease communication. Since then they just change people calling all of my family. They continue to threaten my brother, sister, and mother. They called my brother and threatened to find out where I live and constantly harass my family. I no longer live with my family and I have been unemployed. I have been going to college and have been trying to just survive. I wish to resubmit a cease communication again.
Consumer complaint received 2024-02-14
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2015-07-26
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (TX)

I was denied a credit card from American Express XXXX dated XXXX XXXX, 2015 ( after receiving numerous mail solicitations ) and when I tried to get a free copy of my credit report from XXXX on XXXX XXXX, 2015 XXXX refused to honor my request. XXXX 's web site requested information which I provided and each time it responded that that the session had timed out. Regardless of how fast the information was put in the response was always " the session had timed out '' .This is an obvious ploy to frustrate older consumers and to make them think they are unable to complete the process.I use my computer 's auto-fill capability so even a few seconds seem to be enough for the " session to time out ''.
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

I have been incorrectly charged in the amount of {$2300.00} for force-placed homeowners insurance when I already an insurance policy, for which I have provided copies of policy both via emails to XXXX and attachments on your company website. Here are the dates that I have provided proof of insurance to the company : XX/XX/2021 An e-mail that includes a screenshot of acceptance of insurance policy on your companys website. 
XX/XX/2021 An e-mail that includes proof of insurance that covers XXXX through XX/XX/2021. 
XX/XX/2021 An e-mail that includes proof of earthquake insurance. 
XX/XX/2021 An e-mail from our insurance agent with a message from one of your representatives stating that forced placed was resolved. 

A letter to Network Capital Funding Corporation was sent on XX/XX/2021, requesting for this error to be corrected and the insurance bill to be refunded. I have not received a response to correct this error.
Consumer complaint received 2017-02-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tormey Bewley Corporation (CO)

The dept is my sons, same name, different ssn.different birthdate.I have successfully disputed this dept .it was removed from my credit report.then XXXX resubmitted dept to my credit report.when I contacted them by phone they stated that the way to clear this up is have my dead beat son pay his bills ... So unprofesional, and then I was told sorry they do n't know what to tell me.Then the employee at the credit collection agency, XXXX , XXXX. repeatedly hung up on me.Could not believe the lack of treatment.This is not my dept.
Consumer complaint received 2015-05-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: KEYCORP (AR)

This Keybank/XXXX loan was to pay XXXX, The XXXX. I am on a graduated payment plan, but it is about to balloon more than XXXX the amount I am paying now and they said I have no options. I explained I am a single mom who is currently homeless and with a XXXX ( staying with friends and family ) and would n't be able to afford {$400.00} per month. My net income last year was XXXX. My XXXX may be able to support that much next year but not this year. They refused to refinance me. They said I do n't have any options. It feels illegal and wrong somehow. I 'm still willing to pay I just ca n't afford that much right now. I 'm begging for your help.
Consumer complaint received 2017-02-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (KS)

On XX/XX/XXXX2017 I contacted ERC in regards to a letter my father had given me from them. I spoke with an individual and requested a copy of the written contract. At which time, I was transferred to a XXXX. XXXX continued to speak over me, belittle me, and engage in unprofessional and abusive conduct. I have subsequently had to see a XXXX as a result. 

Afterwords, I contacted the company and requested to speak with their attorney regarding their illegal conduct. I received an e-mail from a XXXX XXXX in response to my letter and clearly provided legal advice. Her own words state " XXXX XXXX let me advise to you, that no law exists where an employee of any agency is required to tolerate and withstand continued insults and bullying by a consumer no matter how angry that consumer feels. ". She goes on to provide legal analysis in the letter. After checking with the Florida Bar Association, XXXX XXXX is not licensed to practice law. 
Under Florida Criminal Statute " Engaging in the unlicensed practice of law in Florida is also a crime. It is a third degree felony. '' The conduct of this company and its employees is completely without word. It surpasses industry standards and recklessly disregards both civil and criminal law.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Delinquent account — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Hello, I have a credit card account with Navy Federal Credit Union opened around 2012. I believe in the last few months I been receiving collection letters considering this account. I was SURPRISED because this account ALWAYS been paid on time never late. I reach out to Navy Federal and they stated that they did not have any information on me in their system. I give another representative my access number and he contacted his manager and they stated that my access number does exist. But this negative information is reporting on my credit reports. Can someone please help me in this matter it feels like I 'm going in circles.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I order a free copy of my credit report on XX/XX/2016. Upon checking my credit report I noticed that there were inquires done as if someone is trying to use my information. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have not inquire about any credit on these dates listed on my credit report. Although, I know it stated on my credit report that it does n't affect me I am convince someone is trying to use my information to obtain credit or tangibles. How do I stop this? In about an year I want to purchase a home and I do n't want any of this on my report at the time of purchase to affect me. I have several vehicles that are paid off so I was n't at anytime trying to purchase another vehicles. I am disputing other items on my report so that 's not an issue. The issue is someone is trying to use my information.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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 2021-09-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

1-XXXX XXXX put me in a collection without my knowledge, but when I paid the just to avoid negative impact on my record I asked for it to be removed the first time they said in few weeks XXXX and it never was removed and today, XX/XX/2021 they tell me they will not remove it even it was paid in full. 

2-XXXX  and Equifax are not telling me any updates about fraud charges for hospitals that were no accurate, I have been in this dilemma for 4 years, every time is the same problem. 

3- My information was compromised according to the Equifax breach and there is information that shouldn't be on my record.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MN)

Chase Bank is charging me {$500.00} per month, or {$6000.00} per year for my escrow. I escrow taxes and insurance. My annual insurance is {$1400.00} and my taxes are {$3700.00} annually, for a total of {$5100.00}. So Chase is overcharging me by {$930.00} a year.