davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (TX)

I mailed letters to XXXX, Equifax, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

My loan servicing history shows that the property taxes that are collected with my monthly mortgage payment was disbursed from my account in XX/XX/2021. 
I received a delinquent property tax notice regarding the property taxes on XX/XX/2021. 
I contacted my loan servicing company. 
All that they told me is that they show that the property taxes are disbursed to third party processing company and they are responsible for getting the property taxes paid. 
I have since refinanced but my disbursed property tax payment is still missing ( {$570.00} est ) and I had to pay the installment again thru the close of my new loan plus the penalty ( {$600.00} ). My property taxes have now been paid twice by me yet only the delinquent payment has posted to the County. 
Also, the loan servicing history shows that my property insurance was disbursed in XX/XX/2021 and that has not been posted with my insurance company. When I refinanced a full year insurance premium was being collected thru the close and that amount has been posed to my account. The loan servicing company shows they disbursed the insurance premium but no one can tell me where that payment went because it did not go to my insurance company. 
So, I have paid my tax installment twice and my insurance premium twice. I am out of pocket almost {$1100.00} from my refinance.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (CA)

I have an account reporting on my credit belonging to GM Financial. I purchased a car from XXXX XXXX XXXX in XXXX. In XXXX my job was moving me out of the country and I did a voluntary surrender on this car. In XXXX I had a balance on the car of {$14000.00} but we settled on a balance of XXXX ( see Exhibit A attached ). In XXXX of XXXX met with a judge and agreed on an amount to have taken from my paychecks to satisfy the account. I was garnished from XXXX to XXXX. To my knowledge the balance was satisfied. I held the same job with the same corporation the entire time. But this account is STILL reporting on my credit with a balance of XXXX. This is an illegally calculated and reporting deficiency balance. I have reached out to GM Financial multiple times and received nothing but the court documents. Nothing relating to the satisfaction of the judgement. I find it hard to believe that 10+ years of garnishment has not settled this debt. I am desperately in need of help. According to my credit reports, my last payment was in XXXX, inaccurate! Just with the dates given and proven in the documents attached, this account is FAR past 7 years from default. I will fight with the courts on the satisfaction of the judgment but PLEASE remove this illegally reporting account from all of my credit reports. Thank you.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (NC)

Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I received a checking account statement in the mail from Wells Fargo, even though I have never in my life had an account with Wells Fargo. I called and they said there are actually two accounts in my name but I never created these accounts that were created in XX/XX/XXXX. They then said they would investigate and call back. They gave me a case number and phone number to call. I have never heard back and I wait on hold for hours when I call and no one answers. I did verify the phone number is the correct one for Wells Fargo ID theft department. 

The only time I gave Wells Fargo any information was when I was on a board of a historic association. I was 3 third person listed as as an account backup. I believe they fraudulently created these accounts to increase their activity.
Consumer complaint received 2021-04-07
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. (FL)

Upon checking my credit report, I notice an account from XXXX  XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that XXXX  XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My attorney, XXXX XXXX, XXXX. has offered Wells Fargo a short payoff amount of {$1.00} XXXX of {$1.00} XXXX owed. She has presented proof of funds from the buyer whom I am selling to. More than one year later, XXXX has not presented a payoff letter. The representatives have been hateful to Attorney XXXX and her paralegals. The Wells Fargo representatives are hanging up on her staff rather than giving Attorney XXXX  an answer on the status of a decision. Secondly, Wells Fargo has requested the same paperwork over and over again for more than a year. Usually after 90 days, Wells Fargo will send me a letter claiming that the submitted documentation is insufficient to decide on a decision. Note : Wells Fargo is requesting the same documents I had already provided months before. But, I do provide them. Next, I am always receiving letters saying that Wells Fargo will have an answer on or before XX/XX/2021, for example. But, the deadline will pass and there is no response. I need to know from the Consumer Financial Protection Bureau why Wells Fargo continues to delay providing a short pay off letter to that I can sell this property to an approved buyer who has provided proof of funds.
Consumer complaint received 2021-04-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center (AZ)

Arstrat repeatedly calls me from XXXX within minutes apart. This happens multiple times a day. Missed call XXXX XXXX, Answered their call XXXX XXXX ( 2 incoming calls from them within 6 minutes ), Missed call XXXX XXXX, Missed call XXXX XXXX ( 2 incoming calls from them within 7 minutes apart ), Missed call XXXX XXXX, Answer their call XXXX XXXX ( 2 incoming calls from them within 4 minutes apart ), Missed XXXX XXXX, Missed XXXX XXXX, Missed call XXXX XXXX, Answer their call XXXX ( 2 incoming calls form them within 2 minutes apart ). When I have advised them this is a CFPB complaint, I was advised well I should just answer so they can talk to me. I work and can't continue being harassed as this is distracting to my work production and has caused compliance issues for me at work. Every time I answered the 2nd back to back call from them, no one says anything and shortly thereafter they hang up.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scott Fetzer Financial Group Inc. (TX)

I have continuously disputed this account with the credit bureaus and the company itself. This account is being reported inaccurately and I want it removed immediately from all credit reporting agencies. It went from closed, paid charge-off in XXXX to having a balance now. The original balance also changed. It went from {$2000.00} in XXXX to {$2200.00} in XXXX.The date opened changed as well. Another issue is that they are updating it ever month as a charge-off. A charge-off can only be charged off 1 time. How are they reporting 3 charge-off on my credit report in XXXX and 2 charge-offs in XXXX? I was denied a loan because they said I have recent charge-offs on my account. They reported a new charge-off for XXXX, XXXX and XXXX of this year. I have attached the copies of my credit bureau report that show the differences.
Consumer complaint received 2015-06-09
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (FL)

On Sunday XXXX XXXX while shopping my debit card was not accepted by the merchant. I called TD bank and was informed it was turned of due to suspicious activity. I was glad they did that. I called the bank and found out that someone got my debit card number and used it XXXX times at a grocery store in XXXX for the amount of {$61.00}. I have never been t o XXXX. Even though I told them it was fraudulent they took my money anyway and wont return it for 10 days if at all. I am on a fixed income and can not afford to loss this money. 
I have been violated by the person that got my debit number and then by my bank.
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

My issue is with the " Origination Charges '' simply stated I was charged a fee of {$3300.00} but my origination charges should have been {$440.00} ( A difference of {$2900.00} ) Its been a month now and below email is the last correspondence received from Penfed. I received a partial refund but still owed {$350.00} On Fri, XX/XX/2020, XXXX XXXX XXXX, XXXX XXXX wrote : Mr. XXXX, Ive done the research this morning and I can see that you are in fact missing funds. Based on the amount that was approved for the concession of {$2900.00} and the amount that was deposited into your PenFed share account of {$2500.00}, we still owe you {$350.00}. 

I have emailed XXXX my findings and will reach out to you once I hear back from
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/1998 I purchased a house on XXXX XXXX XXXX, XXXX XXXX, VT XXXX. At the time my mortgage company was XXXX XXXX which bought XXXX XXXX in 1998 and assumed the name XXXX XXXX ) the previous owners at the time were XXXX and XXXX XXXX and the mortgage company was XXXX XXXX XXXX, and that mortgage company didn't discharge the loan with county in Vermont. I'm currently in the middle of trying to sell my house and the title search company was the one that found the error. There were apparently 2 successor banks dueling over who was the proper interested lender. XXXX XXXX had the original mortgage and they merged into XXXX  XXXX XXXX. However, there was a purchase at some point by Chase of certain accounts. So Chase and XXXX needed to decide who could handle the matter. The mortgage references both XXXX XXXX XXXX, which became XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX, which became Chase. However, both Chase and XXXX are telling me they have no record of this mortgage and need evidence of the payoff. Right now I'm out about {$7000.00} dollars because of this error and it doesn't seem like Chase who bought that account is trying very hard to resolve this matter.
Consumer complaint received 2024-01-19
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. (GA)

I'm a victim of identity theft the accounts I have mentioned in this report do not belong to me they were opened as fraud I am seeking your help to get this removed from my file. 
XXXX has removed these fraudulent accounts from my file how is it possible that the creditor says XXXX thing to XXXX credit bureau and says a different thing to the other XXXX? This makes no sense.
Consumer complaint received 2022-01-18
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. (AL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pro Com Services of Illinois, Inc. (MO)

Account Name : PRO COM SERVICES OF ILL Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection Account of {$420.00} The information above is on my credit report, and it's from a collection agency which is an infringement on my right provided by the Fair Credit Reporting Act because I was not informed in any way possible ( mail, email, or a phone call ) about the debt. I called the agency and I was told they sent a letter back in XX/XX/XXXX. I moved to a new address on XX/XX/XXXX, so I would have seen the letter ( s ) they claimed they sent. The most unfair part is the debt they claimed I owe is in the amount of {$420.00}, if I got the letter ( s ) they claimed was sent and I was able to verify the debt, I would have paid it. I have an unfair negative item on my credit report because of this.
Consumer complaint received 2023-05-23
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-23
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. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I had my credit reports frozen on all three reporting bureaus. 

Today XX/XX/2021, in order to apply for an apartment lease I went to unfreeze them. 
I had no problem doing that with XXXX or XXXX, but Equifax was not able to process my request online so I called the number they provided. 

After completeing a lengthy verification of my identity I was told they were unable to remove the freeze and I should call back another time. 

Their system had no problem verifying who I was, and promptly unfreezing a report should be an obligation they have given the role they play in credit processing and approval. 

I was unable to connect with a XXXX, and the agent would only give his name as XXXX.
Consumer complaint received 2023-05-22
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (NY)

The following inquiries i didnt authorize below : XXXXXXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX DATE : XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX DATE XXXX XXXX
Consumer complaint received 2020-04-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. ()

Please mediate in the dispute with JP Morgan Chase Bank Group XXXX XXXX XXXX XXXX XXXX, NY XXXX, USA. 
Unclaimed Asset/Assets Re-united, USA International Remittance Department Our Website : www.jpmorganchase.com Phone : XXXX ( XXXX ) XXXX XXXX XXXX TELEGRAPHIC TRANSFER OF $ XXXX. 
============================== =========
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH REPORTING AGENCIES IN REGARDS TO INACURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO INVESTIGATION RE3SULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAYS I FILED A 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET RECEIVE ANY RESPOSE
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NJ)

Our mortgage loan servicing rights were sold to Caliber Home Loans in XXXX 2014. 

To this day, we have NOT RECEIVED ONE MONTHLY STATEMENT FROM CALIBER. 

We have never received a statement, or any letters, or correspondnce providing us with the loan number of the account, who to contact for questions, monthly payment, amount owed. 

This is a clear violation of CFPB Rules for Servicing of Mortgage Loans.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

Southwest Credit located at XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX has been sending me collection notices of {$410.00} due. This collection is reported as past due. I do not know this company nor have I ever done any business with them. They do not have a contract with my signature. I've sent a dispute letter asking for proof of debt with something with my signature that would validate the business. They've neglected to provide that document THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE
Consumer complaint received 2022-01-18
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. (NC)

I am having an issue with the credit bureau company Transunion. I have disputed inquiries that should not be on my bureau with no response from them. The inquiry dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not obtained or tried to obtain any credit with lender or creditors. I have not signed anything to obtain any credit. These inquiries should be removed immediately.