davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Advised by Wells Fargo Home Mortgage that my loan modifications in XXXX XXXX and XXXX XXXX were " not converted in a timely manner. Also, the loan modification for XXXX was completed with a " 40 years '' payout. I received two ( 2 ) letters from Wells Fargo dated XXXX XXXX & XXXX XXXX advising me of the errors i.e., six ( 6 ) years after my first loan modification of XXXX. There was no credit adjustment issued on the first modification i.e., XXXXand {$470.00} credit issued on the second i.e., XXXX XXXX which was deducted from the principal balance
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX notified me that I had a new Capitol One card that was opened a month ago. I had frozen all three credit reports a year earlier. Called Capitol One, notified them this was unauthorized. Call the three credit agencies and filed disputes. Then called Capitol One back to confirm account was canceled, and to inquire what was the address used, and how could it have been approved with the freezes in place. Their response? " Please send your request by fax. '' Who has a fax these days?
Consumer complaint received 2020-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

On XX/XX/XXXX the bank received a refund from the county on my taxes in the amount of {$7500.00}. I have still not received a refund and they can not tell me when it will come they say like XXXX. Also I asked that my house payment be reduced to reflect the amount of taxes I pay Now which is {$550.00} versus {$3300.00} And they refused to Reduce my payment until XXXX.
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suttell, Hammer & White, P.S (CO)

I have a judgement that is being held against my from XXXX and XXXX XXXX XXXX XXXX Attorney at Law, this judgement resulted as a garnishment. The garnishment was paid in full and I have documentation to prove it. They keep sending me letters saying judgement is valid and that they did an investigation and that it must be paid. I have yet to receive a call back after numerous calls trying to get this resolved.
Consumer complaint received 2020-11-27
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)

On my XXXX  credit report the information on the XXXX account is incorrect as I have provided documentation to prove of the incorrect information on the XXXX/XXXX  account XXXX  have deleted the account from my XXXX credit report as well as Equifax has removed XXXX/XXXX  from my Equifax Credit report for reporting incorrect payment history on my credit report the second account on my credit report is XXXX XXXX XXXX XXXX account they are reporting incorrect payment history on my report I have provided documentation for all these incorrect account payment history on Equifax Credit report and XXXX Credit Report there is incorrect payment history on my XXXX  Credit report for account XXXX XXXX XXXX XXXX payment history is incorrect this will be the last time I contact this company to get this taken care of with all these credit reporting companys XXXX  and Equifax need to delete XXXX XXXX XXXX XXXX and XXXX/XXXX  from my report I will get a attorney and sue because this is really unfortunate for these two companys to report incorrect information on my file please delete last request
Consumer complaint received 2020-11-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  and XXXX XXXX XXXX broke law andfair debt collections practice they said i was served with court documents but i was not uneven in town i sent demand letter asking for all negative reporting and court documents to be removed they agreed. Credit bureaus have failed to remove from report
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (SC)

My mortgage company Shellpoint Servicing has reported over 90 days delinquent in mortgage payments on my credit report despite approving me for a forbearance and then a deferment under the CARES Act as a result of the COVID-19 pandemic. I was initially approved for a forbearance for XXXX - XXXX. In XXXX, I made two payments which were refunded as the file had not been updated to reflect the end of my forbearance. I was then approved to defer the missed payments to the end of the loan. I have never been late on any mortgage payments and as a result of these delinquencies in my report, It has cause adverse impact on my credit. I have reached out to the company and the matter has been referred to their credit department. I have been denied for a loan due to the delinquencies showing on my credit report and need it corrected as soon as possible.
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc (MO)

I have a personal debt with PayPal. A debt, I am not liable for. 

I opened a business account with paypal since XXXX of XXXX. The day my business made its first dollar paypal then flagged my account, put my money on hold due to this debt I am not responsible for. 

Your XXXX XXXX is an XXXX ( XXXX XXXX XXXX ) which in the court of law you can not hold a XXXX accountable for personal debt. You can not take my money and hold it XXXX for a personal debt. This is illegal and I want to pursue legal action against paypal for this matter. 

I want the limitations to be removed and my money to be released.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kingston Data & Credit International Inc. (AL)

ON XX/XX/2021 I NOTICED AN ACCOUNT ON MY CREDIT REPORT IN THE RESULT OF IDENTITY THEFT. I CONTACTED KINGSTON DATA & CREDIT TO WARN THEM ABOUT THE FRAUDULENT ACTIVITY. THIS COMPANY FAILED TO INVESTIGATE AND PROVIDE ME WITH ANY AND ALL SUPPORTING ITEMS REPORTING INACCURATE AND FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS A COMPLETE VIOLATION. THIS ACCOUNT HAS NOW BEEN SENT TO A COLLECTIONS FOR DEBT THAT I DO NOT OWE BECAUSE OF THE LACK OF KNOWLEDGE, INTEGRITY, PROFESSIONALISM, AND BEING COMPLIANT AND REFUSING TO INVESTIGATE AT ALL. LEAVING ME TO HAVE A DAMAGED CREDIT REPORT FOR SERVICES I DID NOT OBTAIN
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
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: IMPAC MORTGAGE HOLDINGS, INC. (CA)

On XX/XX/2020, Cash Call Mortgage Company ( CCM ) located at XXXX XXXX XXXX XXXX, CA XXXX ran my credit without my permission. I found out through notification from my credit company ( XXXX ). I called chase and asked to freeze my credit. This is an identity theft.
Consumer complaint received 2020-10-27
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 have already notified experian about account number XXXX XXXX XXXX. They refuse to remove it from my report given that I have already shown them multiple documents showing this account does not belong on my report. They keep telling me that the account is accurate and verified but I have never heard of this company nor have I owned any accounts with their creditor. I recieved a letter from another company about the same account. Two or 3 companies can not own the same debt. I am requesting documentation from experian about this account that they have reporting in my file.
Consumer complaint received 2015-06-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery One, LLC (FL)

I was leased on as a XXXX for XXXX out of XXXX KY in XX/XX/XXXX, but due to low pay per mile I terminated my lease with them in late XX/XX/XXXXXX/XX/XXXX (XXXX)
filed a debt collection against me for XXXX to Recovery One collection agency from XXXX Ohio.The Recovery One is charging me (my acct number XXXX) XXXX and even though this matter is only in disputing stages they already made inquiries to my credit report without my consent.I have tried to contact the Recovery One and to discuss  the charges with rep  but conversation went without any progress.Looking for any help or info that I can get.Thank you.
Consumer complaint received 2020-10-27
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
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. (PA)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC (AZ)

The company in question is AVID Acceptance out of Utah/ We are not struggling per say but we pay a few days late, not 30 days late as of yet and for the last three years we have this loan. The loan itself is and has been a predatory loan on which we were charged excesive fees from the dealer but more importasntly we are, we were and we will be charged over 18 % interest rate. The balance does not go down at all. At the time we needed the vehicle and we agreed to the terms. It is still predatory because our credit history was small. Everything was paid on time but there was not a lor of trade lines. To the day these insipid people call us everyday and sometimes twice a day. My wife get interrupted at work and it's simply harrasment that I am going to stop at any cost. 
Last week we hit the bottom when they offered a " deal '' to my wife to postpone the payment for XXXX until the end of the loan so we could have a breather for this month in the midst of a pandemic and with XXXX upon us. After the disgusting loan clerk/collector got the document signed by my wife, they said we neded to still pay XXXX yesterday. That did not make sense other thatn this company continue to steal our money in fees and scams/ Bait and switch kind of procedure. 
We cancelled the " deal '' and paid XXXX. At this point if possible I want to report this company for harrasment, deceptive practises, predatory lending and whatever else applies. They are a firm that I will never recommend to anybody else and would like to take them to court. Please notify me of any action I can take in your behalf.
Consumer complaint received 2020-10-27
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. (NV)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (MD)

I submitted my letter on XX/XX/2020 and today is XX/XX/XXXX, its been 32 days per the Fair Credit Reporting Act, you have 30 days to validate the inaccurate debts or remove these accounts. Please remove these accounts immediately. 

I have included a copy of the letter that I mailed to you certified on XX/XX/2020.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BHFC Financial Services INC (NV)

On Saturday, XX/XX/2020 at approximately XXXX, I learned my vehicle had been repossessed by my financial institution BHFC Financial. On Sunday, XX/XX/XXXX, I spoke with customer service manager XXXX. Despite the fact having documentation proving that I payed all my car payments, he informed me that I was behind on payments. XXXX stated that I owed partial payment from XXXX and a full payment from XXXX and XXXX. XXXX also stated they didn't receive payments for two months and then referred me to the recovery department. I then spoke with XXXX in the recovery department who told me that the company was not willing to work me anymore to which they never did work with me! They often would not communicate with me at all about the payments not being received ; they did not send me any notices stating that I defaulted on the loan at all! XXXX told me that in order to get my vehicle back, I need to pay {$13000.00} including a repo fee included in the price. The original cost of the car was {$10000.00}. They not only didn't contact me, but they didn't contact any references! I am sad, stressed, and in disbelief. This is not how a paying customer should be treated! I couldn't believe that a company would take my car after I paid them every time! I am a single mother with a baby and I need my vehicle to care for my child!
Consumer complaint received 2021-05-01
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: Exeter Finance, LLC. (TN)

These accounts no longer mine. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this letter. 
ORIGINAL CONTRACT PAYOFF DISCLOSURE INTEREST RATE DISCLOSURE BALANCE HISTORY PAYMENT HISTORY CREDIT INSURANCE
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Please be advised that this correspondence IS NOT A Dispute, rather a demand to remove the inaccurate information being furnished on my consumer report ( s ). This notice is being sent in reference to the charge-off account ( s ) which you claim are in derogatory condition and are unlawfully reporting. 

Pursuant to the IRS publication XXXX, it is unlawful to furnish income on a consumer report. According to the IRS, a charge-off is defined as income and you must file a XXXX You are in violation of the law by furnishing income on my consumer report. A charge-off can not be considered both income and debt. Remove this information from my consumer report ( XXXX ) immediately.
Consumer complaint received 2020-11-04
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)

I have reached out to the credit bureaus ( all 3 ) on multiple occassions asking them to investigate this account XXXX XXXX XXXX Acct # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked them each time to investigate this account as it was not reporting accurately. However, they continue to not investigate nor are they putting in comments that i am challenging this accounts accuracy ( Disputing it ). 

Below are the issues that are wrong with this acct : 1. As you can see 2 of the 3 credit bureaus are reporting NO balance but XXXX  is still reporting a balance of {$2100.00}. How is this? How is this being reported as a chargeoff each month when i have no balance? 
2. Acct Status : 2 show as derogatory and one shows as paid. This is a paid collection! 
3. High Credit : XXXX  shows a high credit limit of {$2200.00}. XXXX  shows a high credit limit of {$0.00} and Equifax shows a high credit limit of {$2000.00}! How can this be if this is the exact same account? 
4. Credit Limit : XXXX  and XXXX  both show {$2000.00} and Equifax shows {$0.00}? 
5. Comments : these are all different and NONE of the credit bureaus show that i have been challenging this! 
6. Date Last Active : XXXX shows XX/XX/XXXX, XX/XX/XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. How can this be accurate? 
7. Date of last payment : XXXX  shows XX/XX/XXXX, XX/XX/XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. 
8. Payment history : the payment history is inaccurate on this as well! 

How can this be? Isn't the information on my credit report ( good or bad ) supposed to be accurate, verifiable and truthful? I have been telling all 3 credit bureaus since XX/XX/XXXX that this account is inaccurate and that if they could not fix it with accurate info that they needed to remove it. 

I am attaching screenshots of the most recent screenshot of my credit report from XXXX where the account is still inaccurate!!
Consumer complaint received 2024-02-02
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX