davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2024 I made several calls to Experian to resolve an issue of a debt that was appearing on my report while applying for a home. Experian reported not seeing this debt, yet I have it in front of me when a hard pull was initiated from the mortgage company. The debt was paid years ago and it is still reporting late. Also, the case of XXXX was resolved years ago as I completely furnished proof that XXXX was in the wrong and I have been fighting with XXXX about this issue with the promise of XXXX resolving this being on my report. Yet again, XXXX has hired a third party collector for the fourth time and it is on all 3 of the credit bureaus. Please see previous dispute with XXXX on this matter through consumer finance. After being transferred several times, I keep getting 'disconnected ' from the agent. I have provided proof numerous times about XXXX showing vast amounts of emails where XXXX states I owe nothing. This was 3 years ago. Additionally, I have a ghost credit being reported as very very late, yet I can't see it and it's been paid. Could someone please remove XXXX again ( this needs to stop as it is seriously lowering my credit worthiness. ) My credit reports all show that I have never been late on anything, yet I have a score of XXXX with the mortgage using its own algorithm. I'm tired of constantly being 'disconnected ' and need this resolved asap.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (KS)

I purchased a phone with XXXX XXXX. The card was with TD bank. I paid off the entire balance over the phone. I never received another bill, however I have credit monitoring and it alerted me to a delinquency. I reported the error to XXXX and they investigated. They said TD bank claims the {$20.00} charged to my account was legitimate. I then sent the dispute letter to the company as required on their website and never received a reply. After reading reviews online I believe this is not a new scam. I never made a charge after I paid the phone off. It was a 0 % interest card so there is no post payment interest. Lastly the fact that they refuse to reply is unprofessional, clearly I wouldn't let a {$20.00} charge drop my credit nearly 100 points.
Consumer complaint received 2017-11-15
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. (TX)

Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( XXXX ) - Letter by XXXX XXXX XXXX dated X/XX/2016
Consumer complaint received 2017-07-10
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: Experian Information Solutions Inc. (CA)

I am contacting XXXX today because consumers can no longer purchase their credit score without being forced to sign up for Experian 's monthly credit monitoring subscription. In previous years, I am able to go to XXXX, download my credit reports, and purchase my credit scores in a straight-forward fashion. Today (XX/XX/XXXX ), I see that XXXX of the XXXX credit agencies - Experian and XXXX - are using deceptive marketing tactics to lure consumers into purchasing their monthly subscription when they are thinking they are making a XXXX-time purchase of their credit scores. As a credit trainer for seniors, I am particularly concerned that this vulnerable population will be tricked into paying for a service they never intended to sign up for and possibly not discovering the problem until many months and many dollars later. <P/>With XXXX at least, there is a very, very tiny link at the very bottom of their " get your credit score '' webpage that allows consumers to bypass their credit monitoring subscription to pay for the credit score directly. <P/>Experian, however, does not offer ANY option to purchase their credit score without having to become a credit monitoring " member ''. This was what I was told by an Experian representative when I called for assistance. I called back subsequently to lodge a complaint with Experian 's corporate headquarters but was told by the operator that she did not know who I could/should speak with at the Executive Offices. When I acquiesced to speak with an agent who will take my complaint, I was left on hold indefinitely. I hung up after about five minutes of waiting ... <P/>Please advise Experian ( and to a slightly lesser extent, XXXX ) to cease and desist in using predatory marketing practices regarding credit scores and make them more easily accessible to consumers. One should not have to scour a webpage with a fine-tooth comb to purchase one 's credit score. And consumers should never be forced or tricked into signing up for a monthly subscription of a service they do n't want simply to get their credit scores! <P/>Thank you for taking the time to review my complaint. I hope something can be done. <P/>XXXX XXXX.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the collection account listed on my consumer report, which is associated with XXXX XXXX XXXX. The information regarding this account is inaccurate and I have no recollection of ever doing business with this collection agency or signing any agreement with them. 
According to the Fair Credit Reporting Act ( FCRA ), it is unlawful to report inaccurate information on a consumer 's credit report. As such, I request an immediate investigation into this matter and the deletion of the account from my consumer report. 
Here are the details of the account in question : -Collection Agency : XXXX XXXX XXXX - Balance : {$250.00} - XXXX XXXX paid off - Date Opened : XX/XX/2023 - Account Number : XXXX I have no record of any business dealings with the mentioned collection agency. As such, this account is in violation of the FCRA and should be removed from my consumer report without delay. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary actions to ensure the accuracy of my consumer report.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I initially applied for two mortgage loans in the beginning of XX/XX/2019, there were some follow up questions and I provided all the required information almost instantly. I was refinancing my primary residence and investment property in Hawaii. The file was not fully underwritten in over 60 days. At the end of XX/XX/XXXX I decided to cancel the loan since I did not see any progress. I was referred to a different captive agent in Wells Fargo ( Sales Manager ) who was supposed to push things through faster. I initially re-applied around XX/XX/XXXX. After again a few back and forth follow-ups the loan was finally submitted on XX/XX/XXXX. Underwriter did not even look at the loan until XX/XX/XXXX and then the basic questions started to roll in about my ratios which were not even calculated correctly. Regardless, this was a clear Regulation B violation where I did not get a reply within 30 days from my loan submission. And this regulation has been violated twice! The bank 's excuse was that they are really backed up and don't have enough underwriters on staff. I have the proof in the text and emails.
Consumer complaint received 2017-07-10
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: Experian Information Solutions Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX SS XXXX XXXX DOB:XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. <P/><P/>I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. <P/>If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you.
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I lived at the Residences of XXXX XXXX for over two-years without any late payment on {$3000.00} rent. I absolutely loved my unit and all of the amenities. The unit became uninhabitable for me and my then XXXX XXXX XXXX Daughter. I have Management/Ownership every opportunity to fix the problem. In the end they provided a de-humidifier and left us to suffer. I informed the Manager that I would be moving because I was not going to wait for my Daughter to get sick. I moved out, had the unit professionally cleaned, and returned the keys. We received a move out statement where they attempted to charge us a lease break fee and relet charges. In Illinois Tenant Remedy for an uninhabitable dwelling unit is lease break. I disputed the charges and requested my day in court. Instead, the Management Company and Owner Representative sent this erroneous debt to Collections. Now I'm faced with the negative impact to my credit.
Consumer complaint received 2017-11-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Centron Services (MT)

I spoke to a representive for centron Services about a levy put on my savings account. This person claimed he needed to call the processing center to see if the amount had been charged before he could talk about settling. The person from centron Services called me back stating the money had not been taken out of my checking account via the levy so I could pay them out of my checking account to settle for a lower amount. This was on XXXX/XXXX/XXXX. The representative stated that if I gave him the checking account information to process the settlement they would release the writ levy on my savings account. They charged the settlement amount to my checking account and continued to process the savings account levy which totals more than the debt that is owed and was misleading. I called to try and fix the situation and was told I would be refunded the amount that was not owed. The letter attached shows the amount that original levy was to be removed from my savings account, The photo of my checking account shows record of the amount that was processed for my checking account which totals more than the debt ever owed. I told the representative this was illegal to charge more than owed and she told me it was not illegal.
Consumer complaint received 2022-03-10
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-10
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

My property is a townhome that was affected by a flood of the building and an insurance claim was filed in XXXX. The repairs were completed before the insurance check was even processed ( due to overwhelming amount of claims because of Hurricane Florence the same week. ) Check was mailed to mortgage company to sign and return in XXXX. They still will not release the funds, even after doing a full inspection to insure repairs we're completed. I want the {$14000.00} they owe us for this claim, as well as {$500.00} for the time this has take and {$240.00} for interest. It should not take 60 days to receive an insurance check to recoup our loss on this property. 

Its not right that even when a consumer does everything to bring the property back to better standards than before the claim, that the mortgage company can hold you by the throat and not release the claims. We will be suing the mortgage servicer if the interest and {$500.00} for our time is not paid in a timely manner.
Consumer complaint received 2017-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Reduction in my yearly income of {$XXXX} Unable to pay mortgage since XX/XX/XXXX House on for Sale XX/XX/XXXX Have been negotiating with Carrington Mortgage Services ( CMS ) and XXXX XXXX XXXX for approval for a short sale. 1st proposal submitted to CMS in XX/XX/XXXX was denied - because sale price was low - ( 1st Buyer left contract ) Denied again in XX/XX/XXXX due to my Credit Score of XXXX - CMS stated that my credit score needs to be below XXXX - ( 2nd Buyer left contract ) Denied in XX/XX/XXXX - Credit score XXXX - CMS stated that my credit score is still too high - ( 3rd buyer still on the contract )
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-09-08
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: WELLS FARGO & COMPANY (CT)

I have these accounts that are not mine and i want them to be removed. 



XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AXOS FINANCIAL, INC. (GA)

My husband passed away from XXXX XXXX XXXX, XXXX. I have been attempting to negotiate a forbearance agreement with Axos bank regarding my mortgage since XX/XX/XXXX. They rejected my request and I have been unable to make the payment. My house has been on the market since XX/XX/XXXX. It is now under contract and the closing attorney submitted a request to access signed by me for a payoff letter. That request was submitted approximately three weeks ago as we are scheduled to close XX/XX/XXXX. Just this week we finally heard that they can not process the payoff request because my name is signed on it and not my husbands name. In XXXX when I first began attempting to negotiate with them, I provided proof that I owned the house with my husband joint tenancy with right of survivorship and had subsequently transferred ownership solely to myself. In addition, I provided a copy of his death certificate. Axos has all the documentation to show that my husband is deceased and that I own the property. They are refusing to provide a payoff letter to the closing attorney which would allow me to sell the home and pay them. I can provide any and all documentation that may be necessary, I just need a payoff letter ASAP!
Consumer complaint received 2021-09-08
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. (MD)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO VALIDATE THE STATED ACCOUNTS AND INQUIRIES, THE PURPOSE IS TO ENSURE THE ALLEDGED ACCOUNTS ARE PERMANENTLY REMOVED FROM MY CONSUMER REPORTS. THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION AND PURSUANT TO FCRA 605B ( 15 USC 1681C-2 ), THESE ACCOUNTS ARE IN VIOLATION OF IDENTITY THEFT AND FRAUD AND MUST BE BLOCKED IN DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX Is reporting a XXXX account as a charge off and a XXXX auto loan and XXXX credit card and credit first accounts even though they are fraudulent also XXXX is reporting a fraudulent XXXX credit card and same with transunion
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

Our mortgage through AmeriHome Mortgage was satisfied ( closed ) on XX/XX/2019. We have been waiting on escrow and overpayment refund for 27 days. The automated phone system states that all monies owed back to the customer would be released within 20 days.
Consumer complaint received 2021-09-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have these accounts that are not mine and i want them to be removed. 



XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Consumer complaint received 2024-01-29
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. (MI)

Recently I, XXXX XXXX, was denied an extension of credit by XXXX XXXX. On XX/XX/year>, I applied for a personal loan at XXXX XXXX. 

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) XXXX XXXX has violated my federally protected consumer rights. Also put a hard inquiry on my Experian credit report. And told me I was to receive a call back but didn't. 

15 U.S Code 1642 15 U.S Code 1681 ( M ) 12 CFR 1002