davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
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. (GA)

Experian XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Dear : Experian, I was viewing my credit report and found some errors on my credit report that you are reporting such as Unknown Payment/Account Status. Also, some accounts were transferred with no Company Sold-to information reporting on credit report. Per the Fair Credit Reporting Act of 1964, all  accounts should be accurate on my credit report. All accounts are paid in full. Please updated all of these account to " Account paid in full '', " Account closed '' or Delete account statuses. 

Account : Account Number : Account Status : Payment Status : Balance : XXXX XXXX XXXX XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXX  XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXX   XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXX XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXXXXXX XXXX CLOSED UNKNOWN {$0.00} XXXX XXXX XXXXXXXX XXXX CLOSED UNKNOWN {$0.00}
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In XXXX My husband and I purchased a XXXX Vacuum that was financed through XXXX XXXX XXXX XXXX. My husban was station overseas during the time and we submitted the last payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX in which they did not process the payment. We had never missed a payment ( see Credit Report attached ). How in XX/XX/XXXX they state we were 60 days past due when they had just reported the XXXX payment as on time. Also why would we make every payment on time and get to the last payment and not make it? I called and spoke with XXXX at ext XXXX on XX/XX/XXXX when I saw this on my credit report. She acknowledged their error and stated that they did not process the payment when we submitted it. I gave her my credit card info to make that payment and she advised they would remove this as a charge off on my report and that it may not reflect for 30 to 60 days. I filed a dispute with the 3 Bureaus and Experian came back that they updated the charge off as paid in full. This was their error and they are lying to cover their mishandeling of our account.
Consumer complaint received 2021-05-05
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. (FL)

Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. Equifax, XXXX and XXXX  have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life
Consumer complaint received 2023-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

Issues with Wells Fargo from loan application all the way through processing and closing which is now effecting us in payments a year down the road. XX/XX/XXXX we closed. During the process, we locked in our rate during origination and then to be told during processing our rate is allowed to change. We had to escalate up two levels of management because our rate increased and Wells Fargo said that was allowed to happen even when rate was locked in. We were finally after a week of restlessness able to get our locked in rate approved. We also had a few issues during closing, a couple fees appeared shortly before closing that had not been on the closing disclosure before. Those however we ended up paying because they would not remove no matter how hard we tried. I wrote Wells Fargo corporate on the unethical business practices to be told nothing would be done by their complaint department. If I wouldnt have previously worked in the mortgage industry they would have completely been able to take advantage of me. Now in late XXXX we are struggling to pay our mortgage here to find out that our property taxes doubled ( extremely unlikely this being initiated by our county ). Wells Fargo refuses to take responsibility for not accurately having our property taxes on our closing disclosure making our mortgage increase {$500.00} per month for the next year from our original amount. After 12 months we will still be {$300.00} more than originally paying. This is an additional {$100000.00} over our 30 year loan from our closing mortgage monthly payment. No one is able to tell me why or how this happened at Wells Fargo. There were people in the house prior, not new construction, and the previous owners had no special tax savings that could have otherwise affected our property taxes. This would have greatly changed our decision to go through with this home purchase if this would have been the monthly mortgage amount as this significantly straps us financially even without the increase in daily living due to the pandemic. Our mortgage has increased XXXX of the original amount signed at closing. I understand minimal increased based on county tax increasing however our county taxes have not increased. Wells Fargo did an escrow analysis based on the negative escrow balance to find out they missed something during closing.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state. 
8. Your license numbers and Registered Agent or Agent of Service. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2022-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

ASSETCARE ( XXXX ) is reporting inaccurate information on my credit report. According to the FCRA, all information on credit report must be 100 % accurate. I took a screenshot of the account from my IdentityIQ. Assetcare has a incorrect date opened, last reported incorrect, date last active incorrect. I've sent out a debt validation letter with no response. I consulted with a FCRA rights attorney if need be.
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (OH)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Contact debtor on XX/XX/2019 to request proof that this is a valid debt. The companies are reporting information to my 3 credit reporting agencies without providing validation. This causing injury to my person because I am not able to obtain new credit based on these false invalidating claims.
Consumer complaint received 2017-12-19
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. (IL)

For many years I have been in direct contact with all three credit reporting agencies and two companies that are currently reporting negative on my consumer reporting file and they refuse to validate the debt. I have never applied, used, or paid for credit card via XXXX XXXX XXXX and the collection account XXXX XXXX XXXX can not submit any application or contacts to validate the account. Also they are incorrectly reporting payment history on XXXX XXXX and XXXX accounts.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (TX)

While I was overseas I became a victim of identity theft. The following inquires were not authorized by me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-27
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. (LA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 -XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -AT T XXXX 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 an account without my written instructions.
Consumer complaint received 2020-09-05
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: Experian Information Solutions Inc. (NJ)

Experian Boost allows select individuals to boost their credit score with Experian for a fee. Not only must you sign up with Experian for the boost but you must continue to support them financially to keep your boosted score. 

Now this goes against everything about fair credit reporting. There are a lot of people that don't have easy access to the internet, credit cards to pay for Experian 's service, or knowledge this is possible. And then there's me. Trying to improve my score when I'm about to get kicked out of my apartment at the end of the year so I'm trying to fix my score as fast as possible, but of course the Department of Education and Experian want to make sure this is as difficult as possible. 
( These predatory loans not only financially ruin you but they will not honor their word once you pay them. They will in fact report you multiple times if they can for the same debt. ) I have tried many many times to connect my bank accounts with Experian but I get an error when I try to connect my XXXX account even if I use my cell phone for 2FA verification that is valid and confirmed working correctly. 
I do not understand how only a select few can gain the benefits of this boost while so many aren't able to get the benefits? This is absolutely unfair. I will have to pay more for rates, possibly be declined when trying to obtain credit, which would make me have to apply again, and that would lower my credit even more. This is insane how this is legal. It will take me years and years at this rate to fix my score. The Department of Education is ruining the lives of so many young Americans and the credit bureaus are helping.
Consumer complaint received 2020-09-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MN)

When I initially entered into my initial CARES Act suspension of mortgage payments, five months ago, I was told by Loancare XXXX that it would be called a forbearance. When I inquired about what would happen at the end of the forbearance period, the Loancare representative told me that I could defer the accumulated forbearance sum to the end of my loan term. Today, Loancare has informed me that they had misinformed me about the deferment repayment option and that I could not defer when my forbearance period is up.
Consumer complaint received 2020-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I want to close my account and Chase is refusing to close it without me visiting a branch. I have provided all necessary paperwork via fax and Chase is still refusing. I am hesitant to visit the branch because of the ongoing COVID-19 pandemic.
Consumer complaint received 2021-05-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

MY STATE RIGHTS ARE BEING VIOLATED. I AM BEING OVERCHARGED ILLEGALLY. 

When closing the refinance in XX/XX/XXXX with the same company I had a mortgage since I 1st bought the house, I gave the closer a the originals from the state of WASHINGTON that I am a XXXX individual. 

It is XX/XX/XXXX. I have mailed by regular mail copies of the XXXX status, I have uploaded SEVERAL times to their upload option in the Contact US link ( which was re-suggested I use by the company just a week ago ). 

I have been overpaying and even struggling to meet the excessive payment. The 'released ' a 1st escrow payment, but I receive no refund from this company either. 

I called last week. The agent said she doesnt see any copy in the system ( whether the one I gave the colser, the one I sent by mail or the several I sent online ). The escrow rep told me to re-uploaded. I did last week. NOTHINHG changed. 

I wrote again yesterday to their non-functioning-Contact-US ( a problem I have had complaint about this company here before, they gave the impression that they upgraded and improved their online services, BUT THAT IS BULL!! ) I told them to contact me in 24 hrs. Of course, NOTHING happened. 

So, here I am, 1 step away from suing. I demand that they follow the law, adjust my bill, and/or give me a refund! Im being robbed here! My rights as XXXX veteran are more than violated. I did my due diligence.
Consumer complaint received 2019-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Received a voice mail from XXXX on XX/XX/19 stating I had pending debt in their office and it was best interest for me or my attorney to contact them at XXXX. Called on XX/XX/19 and I spoke with XXXX XXXX I emailed her proof I no longer owe this debt and it was paid and she is still calling stating I do. Also, having this robo call as stated above calling my kids, husband, in-laws.
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (TX)

I received notice from the AARGON AGENCY - below is the email received from the company that it has been paid -- the company refuses to acknowledge it and says that I have not paid. 

Aargon Agency INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Reference Number XXXX Sunday XX/XX/2018 at XXXX XXXX Debtor Account : XXXX Collector : XXXX XXXX Info. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Mobile : XXXX Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Status : APPROVED Approval Code : XXXX Order No. XXXX Reference No. XXXX Credit Card : ending in Subtotal : {$130.00} Processing Fee : {$0.00} Charge Total : {$130.00} I AGREE TO PAY ABOVE AMOUNT ACCORDING TO CARD ISSUER. 

Signature : X XXXX XXXX XXXX As of XX/XX/XXXX, this debt has accrued interest and has been bought out by XXXX XXXX XXXX XXXX. Phone # XXXX XXXX I just do not think it is fair to charge for a debt that has been paid.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - XXXX XXXX and Experian - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!
Consumer complaint received 2023-09-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I am a XXXX man, and I was very upset, on XXXX, XX/XX/2023, when I received a phone call at XXXX XXXX. 
I missed the call but was concerned because someone was calling me so early. Even though I didnt recognize the number, I immediately called back. 
The call was from a collection agency demanding payment on an old debt that was past the statute of limitations, in New York. 
The name of the agency is : IC Systems XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX I didnt recognize the name of the company they claimed I owed money to and the debt they were demanding payment on was XXXX or XXXX XXXX XXXX. 
I would like to file a complaint. 
Not only is this agency calling at an illegal time, but they are also participating in a predatory practice when they targeted, at least, this senior and demanded payment on a debt that is no longer a legal obligation. 
I would appreciate it if you could investigate this situation and let me know the results of your investigation. 
Thank you for your attention to this matter. 

Best regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX