davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX  XXXX XXXX mortgage is reporting wrong information in all of the credit report I have dispute the balance on my credit report that caused my scores went down I am not late but XXXX  XXXX  XXXX mortgage have increased my principal after weeks later so many complaints so many calls the problems still there.I paid my mortgage every month I dont miss payment so why my principal increased from {$79000.00} in my statement to {$81000.00} on my credit report when I disputed it why all three credits bureau told me to contact XXXX  XXXX XXXX mortgage I did for weeks they still not fixed the problem because the balance is wrong finally XXXX  XXXX XXXX mortgage told me I have a short in my escrow that may be the reason I the increased in my principal.I never anything like this my escrow monthly payment is {$520.00} and my principal monthly payment is {$220.00} a month and my escrow balance is XXXX so how they went put more than the balance said and also why put it in my principal and when question them they gave all kinds of stories but still not fixing my credit report problems with the wrong balance? 
I want XXXX  XXXX XXXX to fix it and report the real balance.
Consumer complaint received 2021-10-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MT)

I have a VA Mortgage through Freedom Mortgage and in XXXX did an Interest Rate Reduction Loan ( IRRL ). Previously I expressed on what I was told on " recorded telephone lines '' to remove my phone number, email, and mail from any further solicitation. I was assured in XX/XX/XXXX that my name was removed to " no further be contacted ''. Since I have been contacted several times by representatives of Freedom Mortgage trying to solicit me to take out an equity line of credit on my residence. In the past 24 hours I have been contacted two times ( XXXX XXXX and XXXX XXXX ) with these services even though I have requested several times not to be contacted. I contacted Freedom Mortgage today at XXXX XXXX. using phone number ( XXXX ) XXXX and again was told on a " recorded line '' to be removed from all solicitations. This happened to me in XXXX and I took out an equity line of credit before the housing crash, resulting in liquidating all of my XXXX and savings to pay off the mortgage in order to move to another state. This is the same strategy that occurred then and will more likely happen in the near future, resulting in over valued homes and the collapse of banking industries. I do not want to be contacted and feel Freedom Mortgage is preying on Veteran 's trying to have them take out monies on the equity of their homes, which I feel is predatory.
Consumer complaint received 2020-11-18
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. (AZ)

I CREATED AN FTC REPORT IN XX/XX/2020, BECAUSE A FRADUULENT ACCOUNT WAS PLACED ON MY CREDIT FROM XXXX. XXXX  WHICH IS ORIGINALLY FURNISHED BY XXXX XXXX. THEY ARE CLAIMING THIS ACCOUNT WAS MINE, SO I REMOVED THE ACCOUNT OFF OF MY REPORT USING THE FTC LAW 605B. THEN THEY RE-INSERTED THE ACCOUNT ILLEGALLY BACK ON MY CREDIT XX/XX/XXXX. WHAT THEY ARE DOING IS ILLEGAL AND IF NOT RESOLVED I WILL BE PRESSING CHARGES.
Consumer complaint received 2019-06-06
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. (CA)

I am so disappointed how XXXX, Experian and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX  XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am so disappointed how XXXX, XXXX  and Transunion 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-06-06
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. (CA)

I am so disappointed how Equifax, XXXX and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax Fraudulently placed Fraud Alert without my consent and permission. Upon Fraudulently placing Fraud Alert, Equifax tried everything possible not to give my credit report. This is Fraud and Abuse by Equifax.
Consumer complaint received 2021-11-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Citizens One Bank is in violation of the Cares ACT Forebearance by not letting me taking advantage of it. There are 18 months to use under this act. This bank is stating that I have been in forebearance for 17 months which is not true. I had a forebearance for 2 months last year which was paid in full and my account was taken out of forebearance. I requested another forbearance this year in XXXX up until now ( 4 months ) and they tell me my account has been in forebearance which is not true ; It has only been in for 6 months. They told me I only have one month left to do a forebearance. I did not request a 17 month forebearance and had no knowledge while I had been previously paying my bill before this second forbearance. They are violating the CARES ACT by continuously running a forebearance on my account I was not aware of. They will not correct it and allow me to take advantage of the CARES ACT. 

This bank is also reporting false information on my account that it is delinquent today. They wont answer the phone to take my call when I am trying to get my account fixed. The supervisor hung the phone up on me.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

We bought our home through Wells Fargo in XX/XX/2016. The following XXXX, we received a letter from Wells Fargo saying that we were {$4500.00} behind in our escrow account. They originally tried to blame the problem on me telling me that my taxes must've gone up. My taxes did not go up. Then they told me that I should have a savings account to handle these types of problems. After reviewing the deficit, they realize the mistake was theirs. I was then forced to pay {$4500.00} to get my account up-to-date. I asked them if it would be acceptable if I transferred the money from my account to my mortgage with a note in the memo stating this was for escrow. They told me that that would be fine. I then transferred the {$4500.00} with a note in the memo. I also adjusted my monthly payments to reflect the increase in the escrow amount. Not long after I received a note from Wells Fargo stating that I was {$11000.00} behind in my mortgage. We have never missed a payment, everyone of our payments has been on time. When I called them to discuss the letter I received it was determined they had misapplied my {$4500.00} and somehow managed to screw up my mortgage payment history. After spending some time on the phone with them they rectified my payments. However, just yesterday I received another note from them saying that again we are behind on our escrow. Wells Fargo is a train wreck.
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC (FL)

After recently reviewing my credit reports. I have noticed a account I do not recognize. I asked XXXX  & XXXX  to investigate and verify a collection from " MOUNTAIN RUN SOLUTIONS ''. I have not received any response from the credit bureaus since XXXX regarding the investigation. I have asked the credit bureaus multiple times with no success. I have also reached out to Mountain Run Solutions, where I directly requested them to validate the debt ( show me proof that the debt is mine ). First letter was sent on XXXX, second one was sent on XXXX & third was sent on XXXX. No response from any parties involved. The collection account is also not showing in dispute, they are blatantly ignoring me.
Consumer complaint received 2023-01-31
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction.

Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose
Consumer complaint received 2021-01-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Capital Mitigation Services, LLC (WI)

I don't know who these people are or what debt they are calling about because they don't disclose it. They call from number XXXX and say " they are with Revenue Reporting and are handling a matter that directly concerns me and before they sign off and submit anything they want to give me the opportunity to go over the details of the matter. It's imperative that they speak with me ... and they will leave a message with my office also ... '' This is not OK to not tell me what the debt is and to call my employer!!!
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Amsher Collection Services, Inc. (AL)

I SAW ACCOUNTS THAT WERE FRAUDULENT AND REPORTED THEM TO CREDITORS AND THEY REFUSED TO REMOVE THE ACCOUNTS.I 'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT.
Consumer complaint received 2022-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

I purchased my townhouse on XX/XX/XXXX with a mortgage loan from Wells Fargo Home Mortgage ( XXXX ), and I was fully satisfied with the terms and conditions, as I was when I refinanced the mortgage on XX/XX/XXXX. However, when I applied to refinance the mortgage in XXXX, a Wells Fargo Home Mortgage representative said that in addition to my master insurance coverage with XXXX XXXX XXXX XXXX provided through the XXXX XXXX XXXX that runs my property and that provided my master insurance since XXXX, I needed to buy an additional insurance to cover my personal belongings. Wells Fargo Home Mortgage can not possibly know the value of my personal belongings and, in my opinion, that is none of their business. From XXXX to XXXX Wells Fargo Home Mortgage did not need to insure my old sofa and a TV set, but when I objected to buying an insurance in addition to my master insurance, I was told that I would not be able to refinance, so I had to agree to buy a policy from Travelers ( XXXX ). A few days later I called Wells Fargo Home Mortgage and asked to speak with a manager, but the person I talked with said there was nothing that could be done. Since XXXX XXXX, I have been paying {$280.00} per year for the insurance I do not need, which comes to {$1400.00}. 
A few days ago, a friend told me about your organization, of which I have not heard before, and I respectfully request that you help me to refund {$1400.00} that I was forced to pay against my will. Since XXXX I never once had a late payment ( monthly payments are automatically withdrawn from my checking account ), both my wife and I ( we own the house jointly ) have been fully employed as university professors, and I think that Wells Fargo Home Mortgage had no reason whatsoever to inflict a force-placed insurance on us in addition to my master insurance.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MO)

The following are scam transactions XXXX, XXXX Online Store , Best Buy, XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX, Online Payment Fraud, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX , XXXX ( XXXX ) , XXXX, XXXX XXXX, XXXX , XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX are all sc ams either by local criminal suspect XXXX XXXX XXXX in XXXX XXXX , MO XXXX , USA scam mers, and overseas scammers. Some are on line payment fraud where deposit was was made then withdrawn before deposit funds were rejected. Citi Bank - Lost and Stolen Fraud refuses to XXXX ate, to provide documentation requested, and to properly trace down scammers. In addition, push back to XXXX XXXX rather than work with us to provide necessary documents to track down the se scammers through legal authorities.We suspect someone at XXXX ( now XXXX XXXX XXXX XXXX XXXX ) ( XXXX -- XXXX ) and XXXX XXXX XXXX ( XXXX ) to be some of the scammers. In addition I have traced some transactions to XXXX. Without cooperation from Citi, we can not co mplete documentation to resolve and find scammers. News Release XXXX XX/XX/2020. The Office of the Controller of Currency ( OCC ) took actions based on the bank 's unsafe or unsound ba nking practices for its long-standing failure to establish effective risk management and data govern ance programs and internal controls. This failure also resulted in a violation of 12 CFR Part 30, App endix D, " OCC Guidelines Establishing Heightened Standards for Certain Large Insured National B anks, Insured Federal Savings Associations, and Insured Federal Branches. '' The agency also issu ed a cease and desist order requiring the bank to take broad and comprehensive corrective actions to improve risk management, data governance, and internal controls. The bank senior management and the bank 's board has not made timely, sufficient progress in complying with the order. As a res ult of the unsound baking practices overseeing fraud and scams, the bank has turned to collect fro m consumers for their massive failures of effective risk management and internal controls. The OC C should order Citi to cease and desist these practices and demand changes in leadership. Specifi cally in the case of this complaint demand Citi cease and desist for their failures as established in t he OCC complaint with any further actions regarding XXXX XXXX. Further demand Citi cease and desist harming consumers credit and correct XXXX XXXX ( and other harmed consumers ) credit reporting to " pay as agreed ''. 
Citibank has not made written contact since XX/XX/2020. This dispute is closed and to be reported to credit agencies as " Paid As Agreed ''. Citibank failed to respond in a timely manner as set forth in the correspondence to them and as a matter of law.No further responses to this matter will be made to any agency regardless of demands in correspondence, threats, and regardless of operation of law of any kind.
Consumer complaint received 2020-11-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, 2020, CAPITAL ONE BANK USA add a hard inquiry on my credit report per XXXX  and XXXX. On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Attached please find the documents that are proof of manipulations, fraud, and identity theft. Clear my credit file since the fraudulent now under my social security account was already paid off. 

First find the federal student aid report from XXXX College as off XXXX, it clearly state that my balance was in collection was {$13000.00} Even I paid it off. see check attached. 
Second find the letter from USDE dated XX/XX/XXXX which clearly state the total amount of loan consolidated on a duplicated fraudulent account Using my identifiers XXXX XXXX now under my social by fraud, and identity theft, as off year XXXX the balance was {$13000.00}, matching the numbers on my original student loan, and also state that the total amount due to satisfy debt worse {$14000.00} Also attach find XXXX Direct loans statement 1098-E form the last one I had received until todays date. ... 

Following the numbers requested on the letter dated XX/XX/XXXX, On XX/XX/XXXX I Issued a check in the amount of {$14000.00} to pay my outstanding balance on my original account as requested to the IRS off set unit And also requested to satisfy my account And refund any overcharges. The IRS issues a refund in the amount of {$2700.00} with {$.00}. 


I never received the satisfaction letter. 

And Last find US Department of education later dated XX/XX/XXXX in this letter Is more than clear the fraudulent transactions, Harassment and criminal activities from XXXX XXXX the attorney involved in this fraud. 

This letter contradicts and had huge discrepancies on the balance due on the previous letter dated XX/XX/XXXX my account is still outstanding when I already pay off its entire balance due based the information provided on the duplicated account using my identifiers matching according to Their own letters, why the harassment?, Why do you are already charging me for an account was already paid?. Please stop Criminal activities and economic crimes set up by the US Department of education and me clear and satisfied my account stop terrorists from making false claims to the IRS, stop government harassment. 

Today I did file a new complaint because still Transunion XXXX. Transunion refuses to correct inaccurate information in my file such as current residence address and student fraudulent loan currently now under my social security by fraud and identity theft, however it was already paid off since the payment I made to my original account were transferred and applied to using to the fraudulent account Now under my social security.
Consumer complaint received 2021-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (TX)

The original creditor XXXX XXXX XXXX  has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. CKS Prime investments is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, CKS Prime investments do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block CKS from further collection attempts including credit reporting.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc. (VA)

Kikoff is not reporting to XXXX with current payments that have been reporting to all other consumer reporting agencies. I would like this to be updated so that I can gain positive reporting for XXXX that is currently not reflecting.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

I have paid this debt in full to XXXX XXXX XXXX even though it was not owed. This property team is a third-party company hired by my property manager. The property manager and the property team were in a legal dispute for years. I was caught in a little dispute and that was apply to my credit even though I did not owe this money.
Consumer complaint received 2021-05-02
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. (CA)

I recently noticed a unauthorized account on all three reports. I disputed the XXXX XXXX account and it was removed from XXXX. under the FCRA, any item found inaccurate or unverifiable information must be shared between all three bureaus. Transunion and Experian have refused to follow the guidelines they have in place or provide proof used to verify data repoerting.
Consumer complaint received 2021-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

The original creditor XXXX XXXX XXXX  has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX XXXX is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX XXXX do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.