davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-150 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-01-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

recieved my bill for payment due XXXX/XXXX/2017 again now where does it state how many days in this billing cycle. 
so how many days in this billing cycle? 
states " accrued interest '' {$86.00} how much of my payment of {$420.00} actually goes to interest and how much goes to principal? 
do i owe any late fees?
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Rewards — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I had XXXX ( XXXX ) credit cards with HSBC Bank USA that accumulate points for every dollar I spend with my credit cards. The points that I earn accumulate in my account until i used it for purchase of airline ticket or other goods and merchandise, base on the terms and agreement with the credit card company my points never get expired. I currently have XXXX points XXXX card and XXXX on the XXXX card. I received a letter in the mail one day to my surprise the bank close my account and cancel my credit cards. When I call the bank to inquire what the problem was I was told that my business was not profitable since I am a very good customer and I always pay my balance in full the bank is not making money from my business, when I inquire about my points the are saying I lost the points because my account was closed. I am writing to you to help me regain my points since the bank choose to close my account without my consent and did not give me the opportunity to redeem my points which worth a lot to me.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (DC)

I am reaching out to you because I believe I have been a victim of Wells Fargo mortgage forced insurance fraud with XXXX. As I was paying my insurance through my monthly mortgage payment serviced by Wells Fargo, they were supposed to be paying my insurance company. When I had damage to my house in XXXX 2015, I found out that the bank was not paying my insurance company. They have instituted a more expensive insurance policy that I did not approve of nor was I notified. I have been trying to get reimbursement and have not been totally successful. This has been a systematic and widespread practice throughout the financial industry resulting in multiple class action suits from homeowners numbering in the multiple XXXX dollars. 

As all of my correspondences are in emails and written letters, I am unable to upload most of my documents. Please reach out to me to obtain these.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (IN)

I have been dealing with all XXXX credit bureaus for almost a year. I also reached out to the companies reporting to validate the debt and neither one has done so. I gave them over 30days and nothing. XXXX act XXXX XX/XX/2010 and XXXX XXXX act XXXX XX/XX/2010 I want them both removed from all reporting agencies. I have disputed them so much that I ca n't even dispute them any more because they have supposidly been investigated but I have yet to receive any proof. Under law they had 30 days to show proof or delete it. Neither has been done. Also they will fall off XX/XX/XXXX on there own because they will be 7 years old. It should not be that hard to get things removed that have n't been proven in 30 days. Sending me a letter for identity theift like these companies did isnt validating a debt.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Finance Incorrect billing leading to repossession around XXXX Also I had Wells Fargo account with incorrect fees added and multiple overdraft fees leading to account closing around XXXX I received a letter a long time ago but have not received payment from lawsuit.
Consumer complaint received 2023-05-09
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: ID Analytics, Inc. (NJ)

I recently notified XXXX that I am a victim identity theft. The items in question do not belong to me. I have notified the US Courts and obtained documentation that shows that XXXX is incorrect. How XXXX claimed the information was verified and I would like to know what method was used to verify
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NY)

I have a lease on XXXX XXXX XXXX My vehicle was damaged in an accident and has been at XXXX  XXXX in XXXX XXXX NJ since XX/XX/XXXX. I have been paying my lease every month yet I have no use of my vehicle. Honda will not give me a return date for my vehicle after 11 weeks. I have contacted Honda HQ and they have created a case number. The representative refuses to allow me to speak to a case manager or any executive at HQ. I have no vehicle and I am still paying for my lease!!!!!!!!!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

LexisNexis continues to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on consumer report if there it is incorrect and considered identity theft as the name is not mine. My address is XXXX XXXX XXXX XXXX Ga XXXX there should be no other address listed if it is it is not mine and causing me significant harm due to being incorrect and the information not matching what is indeed true.
Consumer complaint received 2015-10-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Armor Systems Corporation (IL)

I have repeatedly tried to connect XXXX XXXX and their debt collectors who wrongfully keep charging me for a bill that XXXX claims is NOT billable to me. Their collection agency Armor continued to bill me and harass me at home and my workplace for over a YEAR. Finally it seemed to be settled as I quit receiving the bills but my credit is marked and ruined by this. I want this taken off my credit report at once.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX I have never lived at these addresses.or associate with address Please remove them. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I contacted Bank of America to cancel PMI based on my investor requirements. 


I received a letter from XXXX XXXX from Bank of America stating an original value amount mean the same as an amount on an appraisal. 

Im a XXXX XXXX XXXX XXXX for over 20 years. The property was purchased in XXXX. What was paid in XXXX would be the original value not an appraisal from XXXX. 

Make it make sense. 

Below is my investor requirements ; Borrower-requested cancelation of Borrower-paid mortgage insurance based on the original value The table below lists the requirements for Borrower-requested cancelation of Borrower- paid mortgage insurance based on the original value ( as " value '' is defined in Section 4203.1 ) : 1. Cancelation point Based on the original value, the loan-to- value ( LTV ) ratio must be 80 % or less. ( Note : As opposed to the conditions set forth in row 1, Cancelation point, of Section 8203.2 ( b ), there is no required minimum period having elapsed Ive requested to have the name of my investor provided. Ive received nothing but a generic boiler plate document that does not state the name of my investor. 

I requested to receive the written language from my investor stating the terms under which PMI can be canceled. 

Bank of America sent me a generic letter saying an current market value is needed based on my investor requirements. XXXX XXXX sent and email saying an appraisal is needed. 

Neither is correct. My investor does not require a current market value nor an appraisal. 

It looks like Bank of America is just making up things and not complying with the federal investor requirements for my mortgage loan? 

This is terrible.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I made my regular payment on XXXX/XXXX/2016 of {$50.00} and Bank of America went in again the next day without my permission and drafted another payment without my permission of another {$800.00} plus over draft charges of {$27.00} per day therefore to date this amount is {$160.00} plus another {$27.00} each business day until they reimburse my checking account at XXXX XXXX XXXX XXXX XXXX!
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have been accused of oweing a debt that is not owed. The debt is also outside of statute of limitations for collection.The creditor is XXXX XXXX. XXXX XXXX has numerous other law firms attempting to collect the same debt for them. All of the law firms are hired and maintained by XXXX XXXX. The first company to contact me was XXXX XXXX XXXX XXXX . I recieved a letter from them attempting to collect a debt. I sent XXXX XXXX XXXX XXXX a certified letter return reciept. The letter was an order to cease and desist dated XXXX/XXXX/XXXX. XXXX XXXX  which is a member of XXXX XXXX signed for and recieved the certified letter on XX/XX/XXXX. XXXX XXXX has now been notified twice to cease and desist and they have ignored all attempts to get them to stop. They keep assigning the account to another law firm who is a member of their colleciton agency. All of the attempts are from members of XXXX XXXX. In the last two months I have recieved calls from an attorney 's office called XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. They call but do not leave any messages. The latest call came from number XXXX on XX/XX/XXXX at XXXX. The call before that came in XX/XX/XXXX from the same number.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I have disputed this account over 4 times If I can recall. This account is not past due nor it is supposed to reporting late. Equifax deleted the historical information but did not delete the historical codes. I have attached the dispute confirmation. Equifax also deleted the account from me credit report reinserted it without sending me proper notification. Confirmation # XXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 
( B ) Requirements relating to reinsertion of previously deleted material. 

( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted The above-mentioned account was deleted from my file on approximately XXXX XXXX, 2016 and XXXX XXXX, 2016 ( please see enclosed page of credit report which details this ) and was reinserted on or before XXXX XXXX, 2016. Please permanently historical account codes and send me an updated credit report after it has been corrected. Thank you for your immediate attention to this matter.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

They are constantly call on my home phone & cell phone XXXX times a day even onSunday. 
They are also send mail to my renter, and my home owner insurance companyThey are saying that I am XXXX payments behind.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX incorrectly applied two mortgage payments inXX/XX/2018. This created a delinquency for XX/XX/XXXX payment and beyond. Ive been in contact with XXXX since XX/XX/XXXX and the problem is only partially resolved. XX/XX/XXXX-XX/XX/XXXX shoe correct payments on time. XXXX- present show as delinquent and this is incorrect. Ive submitted copies of cashed checks and the problem has not resolved.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted request to Experian regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau XXXX Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report. 

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

Thanks in advance, XXXX XXXX
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

I applied for and was pre-approved for a mortgage through Wells Fargo Home Mortgage. I was working with XXXX XXXX, a Mortgage Consultant with Wells Fargo ( XXXX ID XXXX ). After receiving a better interest rate with another lender, I decided not to go with Wells Fargo. As a condition of the mortgage, the new lender asked for a withdrawal/cancellation letter from Wells Fargo because my credit report indicated we applied for mortgage credit with a company named XXXX. Since there was no other bank, lender, or company we were working with other than Wells Fargo and the new lender, this hold up had to be associated with Wells Fargo. I attempted to contact XXXX XXXX and his office multiple times over the course of multiple weeks, but failed to receive any type of response back. This is holding up my ability to receive a mortgage through our lender. Here is the contact information for Wells Fargo : Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, NY XXXX XXXX XXXX Tel ( XXXX ) XXXX
Consumer complaint received 2015-09-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

I submitting a complaint against Conns in XXXX of 2015 for the same issue. I spoke with an Agent of Conns today and informed him that I will be making my payment on the XXXX and that if I continue to get calls I will be filing a complaint. I mailed a letter stating that I did not want to be contacted until I was past 30 days late on my payment in XXXX 2015. I am currently only XXXX days late on my payment and have received XXXX phone calls. At least XXXX of these calls were automated. I have attached a call log with the current information about the calls I have already received.
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (AZ)

My mortgage was sold to Seneca Mortgage and I had no idea until over XXXX days after the closing. I 've researched my consumer rights it and I should 've been notified XXXX days prior to this occurring not XXXX days after. At that point there was no XXXX payments due and the new mortgage company changed my due date to almost XXXX weeks different than my prior due date. I have also asked them to only call my cell phone and not my office phone XXXX times now and they still have n't called my cell phone and only call my office. By far the most frustrating situation I 've ever been a part of and from my research they did n't follow the guidelines.