davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (MI)

I submitted a complaint XXXX about The NCS inc, they did not send out the notice to me to offer to lower the debt on XXXX/XXXX/16 it was sent around XXXX/XXXX/16 they said that they gave me a dead line of XXXX/XXXX/16 this is false the deadline was XXXX/XXXX/16 and I have the letter to prove it. it is clear that this company do n't mind lying to achieve their goals. They have XXXX complaints about their underhanded tacticts and many more coming daily.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KY)

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 2024-02-08
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: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : USDOEXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2016-12-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

An account was opened under my name using my personal information by Wells Fargo bank without my consent or my knowledge. 
I called the bank and their explanation was the account was created based on the information received from an employer for which I had stopped working for more than 2 years prior to the opening of the account. 
I found out that the account was opened on XX/XX/2014. Although they claimed that it was closed, I can still see the account on my profile whenever I log in. 
It is important to note that I had serious security issues with the bank mentioned above. I used to receive email almost on a weekly basis informing that my account was compromised ; therefore, my online access was blocked and I, every time had to go and change my password because someone was trying to access my account according to them. 
That situation caused a lot of stress on my relationship for I thought my wife was using my computer to access my account. That belief led to many unnecessary arguments in my relationship. I could n't imagine that someone from the bank was trying access my bank profile to create an additional account. 
I need you to please guide me in what my course of actions should be for this outrageous crime.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

While I out of the county as a government contractor, upon my return I was in the process of buying a home. I pulled a copy of my credit report and noticed several items that I knew were not accurate. I did some research and found out that I was a victim of ID Theft. I notified the credit bureaus and they have not responded back to me yet. Below is the list of fraudulent accounts that I need to have deleted. 

-Credit Collections date opened : XX/XX/XXXX Bal : {$360.00} XXXX date opened : XX/XX/XXXX Bal : {$00.00} -XXXX XXXX date XXXX : XX/XX/XXXX Bal : {$00.00} XXXX XXXX  date opened : XX/XX/XXXX Bal : {$440.00} -XXXX  date opened : XX/XX/XXXX Bal : {$1200.00} -XXXX  date opened : XX/XX/XXXX Bal : {$8100.00} -XXXX  date opened : XX/XX/XXXX Bal : {$1600.00} XXXX XXXX date opened : XX/XX/XXXX Bal : {$590.00} XXXX XXXX date opened : XX/XX/XXXX Bal : {$770.00}
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I reached out to Ars Resolution in XX/XX/XXXX by sending a debt validation letter requesting information on a collection account from XXXX on XX/XX/XXXX for {$220.00}. 
I also requested that if they couldn't verify the debt in thirty days to notify XXXX  for removal for inaccurate reporting. 
As of XX/XX/XXXX I have not received any correspondence from the company.
Consumer complaint received 2020-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX XXXX, Transunion, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I recently obtained a copy of my credit report. I noticed a collection on my report from Diversified Consultants for {$670.00}.

# 1. I was never notified about this debt.

I never received any letters or phones call concerning this debt.

I was never given an opportunity to dispute this debt, it just showed up on my credit report.

# 2. I do not owe this debt.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I believe that XX/XX/XXXX my mortgage was bought by Select Portfolio Services Inc. from XXXX. I did not receive notification from anyone that this had happened. I had automatic bank transfer for our mortgage with XXXX. SPS received payment for XX/XX/XXXX-XX/XX/XXXX, then they stopped collecting the mortgage payment. XX/XX/XXXX I had a XXXX XXXX, this laid me up for awhile. XX/XX/XXXX we found out that Select Portfolio Services had acquired our loan. The way we found out was that they ( SPS ) were starting foreclosure proceedings. After multiple times of trying to repay what we owe ( SPS refusing our payment every time, even though it was their mistake ). We are now in the world of loan modification and repayment. I have sent them all the information that they have asked for, 3-4 times. Every time I get a answer from them that they did not receive the fax or the fax broke down, transmission problems, etc. These people have no class, instead of working with us they would rather ruin you. I had no problems with XXXX or XXXX our previous loan agencies. We have lived in our home for 12 yrs and now we are being forced out. I know now that I have been SCAMMED by SPS. Something should be done about these people. Decent homeowners are being forced out of their homes for no reason. I will be contacting the FBI and the Attorney General of Florida.
Consumer complaint received 2016-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titan Receivables, Inc. (CA)

I received a notice from Titan Receivables, INC referencing XXXX XXXX XXXX. Prior to this notice, I have not received a call or notification from XXXX XXXX XXXX stating that I still owed anything. I thought my XXXX was fully exonerated. Furthermore, after receiving this notice in XX/XX/XXXX, I called Titan to ask them about the noticed they 've sent. I told him I had no problem making monthly payments but was just confused because I thought it was exonerated but he said no. Titan reported this " Debt '' to the credit bureau which I felt was very harsh. I 've received one notice in XX/XX/XXXX and no prior notice from XXXX before they turned the account over to titan. I do n't think its right that this account be on my credit as derogatory and I already made plans on making payments. I will like this debt off of my credit as I will continue to make payments as I always do with any of my accounts. I did n't received proper notification from titan or XXXX XXXX and its not like I 've been given chance after chance or contacted about this debt. I 've received one letter and that 's it. Now this debt is on my credit. This is so not fair.
Consumer complaint received 2017-01-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have a mortgage with Carrington Mortgage. They took over this mortgage loan on XXXX XXXX 2016. My monthly mortgage payment includes and escrow portion for taxes and insurance. Carrington Mortgage failed to make the insurance payment causing my policy to be cancelled for non payment. The recent XXXX storms caused damaged to the home. The home is exposed to the elements and is at risk of additional damage. Carrington is trying to shift responsibility of the non payment to me. The property has no insurance and despite my efforts I am transferred between people with no progress. They have advised me that they will force place insurance at a higher cost causing my payment to go up and my coverage to go down for my own personal investment interest on this property. on XXXX XXXX they said they would send an adjuster out and they have not contacted me or sent anyone out as of XXXX XXXX. They are talking about filing a claim with another company which will not work since the damage is preexisting. They clearly have no idea what they are doing. 

They need to prioritize the issue since the property is not properly secured and exposed to the elements. My efforts at covering the hole in the roof are temporary. If another storm goes through there will be additional damages. 

In the meantime, I have tenants displaced that I am covering their housing costs.Please kindly involve yourself in this issue to get the mortgage holder to understand the severity and importance of their proper handling of the matter.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I received a letter about a card for my unemployment during the month of XXXX. When I didnt receive the card, I called an spoke to a rep who said that he was putting a replacement card in the mail on that night ( XX/XX/2020 ). I still have not received the card.
Consumer complaint received 2015-09-28
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I went through a foreclosure with WellsFargo, that ended on XXXX XXXX, 2010. Since then I have requested the paperwork in regards to the foreclosure on a few occasions. Most recently I requested the file on XXXX XXXX, 2010. WellsFargo is still unable to provide this documentation for proof. Also, the bigger issue is that the foreclosure is reported incorrectly on my credit report. It does not show the date of the foreclosure, which I was able to confirm with the Veterans Administration ( VA ) Regional Office XXXX. The VA confirmed they payed {$44000.00} in guarantee on XXXX XXXX, 2010. This needs to be corrected.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Dear Sir/Madam, I am writing to you regarding discrepancies in my credit report that have come to my attention. After reviewing my credit report, I've noticed inconsistencies in the reporting of the XXXX account, which is affecting the accuracy of my credit profile. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies like yours are mandated to maintain accurate and fair credit reporting. Specifically, under Section 1681e of the FCRA, it's required that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy in the information they report. Furthermore, Section 1681i grants consumers the right to dispute inaccuracies and request investigations into disputed information. 

Upon reviewing the credit report provided by your agency, I've noted the following discrepancies regarding the XXXX account : Equifax : No. of Months ( terms ) is reported as XXXX, while XXXX and XXXX report 63 months. 

Date Last Active is reported as XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX. 

Two-Year payment history for XX/XX/XXXX is missing. 
XXXX and XXXX : Date of Last Payment is reported as XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 
Two-year payment history for XX/XX/XXXX is missing. 

These discrepancies not only violate the FCRA 's requirement for accurate reporting but also undermine my ability to access credit on fair terms. Therefore, pursuant to the FCRA, I kindly request that you immediately investigate and rectify the inaccuracies in the reporting of the XXXX  account on my credit profile. 

I understand that the FCRA mandates a prompt investigation and resolution of disputes within 30 days of receipt of a consumer dispute. Thus, I kindly request that you provide written confirmation of the removal of the inaccurate information from my credit report within this time frame. 

Thank you for your attention to this matter. I trust that you will address these discrepancies promptly and in accordance with the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-07-04
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Reliant Capital Solutions, LLC (OH)

I have a a unverified account from Reliant Capital SolutionsLLC. I had previously disputed this account. I have never done business with Reliant Capital SolutionsLLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Reliant Capital SolutionsLLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital SolutionsLLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Consumer complaint received 2022-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

On XX/XX/XXXX Mr. Cooper was put on notice to dispute the amount that's due on the mortgage. My mortgage was purchased from another company XXXX XXXX in XXXX without my knowledge or personal consent. Everything Mr. Cooper sent corresponding to my dispute has been frivolous on their end as well as negligent. Mr. Cooper was also put on notice this past year for their reputation of deceptive practices which I've reported before. XX/XX/XXXX XXXX XXXX  sent its agents to my personal domain and took pictures of my domicile without my knowledge or consent. Cease and Desist was sent as well as a summons. I have tried rectifying this matter on several occasions with no solutions. Everything Mr. Cooper send to my domicile is a violation of my rights and they should be held responsible for their tyranny and abuse to its consumers. I've asked for clarity on the terms on business. All is confusing. Mr. Cooper has threatened to foreclose on my domicile with disregard to my position as a consumer.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As a victim, I am writing to dispute information contained in my credit file regarding a collection that does not belongs to me. It is important to stress that under the Fair Credit Reporting Act ( FCRA ), all unverifiable and unauthorized information must be removed. It is deeply concerning that my rights have been violated by the reporting agencies, despite providing them with proper documentation, such as an FTC report, to conduct their investigation. Regrettably, I never received a follow-up regarding my request. It is crucial to note that as a credit reporting agency, you are required to maintain strict procedures to ensure that all public record information likely to have an adverse effect on a consumer is complete and up to date. You have a legal obligation to complete your investigation within XXXX  days, as permitted by law, and mail the results to me. Any failure to do so will only compound the situation and further harm my credit profile forcing me to take more drastic measures. Please be aware that your credit reporting agency is now subject to federal consumer financial laws, including the FCRA and related regulations. These laws include a ban on " abusive '' acts or practices, as outlined in Section 1031 of the Dodd-Frank Act. Therefore, I implore you to take this matter seriously and act promptly to remove this negative item from my credit file.
Consumer complaint received 2024-02-08
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: EQUIFAX, INC. (AZ)

I am following up on my complaint dated XX/XX/year> regarding the consistent oversight of my requests for correcting the erroneous status of my account by your agency. Despite multiple written submissions, I have not received any response thus far. Furthermore, inaccurate information concerning my accounts persists on my credit reports, indicating potential non-compliance with the Fair Credit Reporting Act, specifically 15 USC Sections 1681, within the legally mandated timeframe. The continued reporting of unverified information raises concerns of willful negligence and non-compliance with federal statutes, despite my persistent efforts to address the matter directly with the creditor. Below are the accounts that continue to be reported : XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$78000.00} XXXX XXXX Balance : {$19000.00} XXXXEquifax : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$78000.00} XXXX : XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$78000.00} XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (DE)

I made a large deposit ( $ XXXX ) into my checking account with Wells Fargo Bank. The deposit was made on XXXX/XXXX/16. The bank said the funds would not be available until XXXX/XXXX/16 which is 11 days or 6 business days. I called to determine why it would take so long to validate the funds when they run a batch process for deposits and withdrawals on a nightly basis. Their response was - that 's how long it takes, which is ridiculous in this day and age. I also inquired if I was receiving interest while the funds were deposited in my account but not accessible and the answer was no. So in addition to not be able to access my funds I am also not receiving the benefit of earning interest on my deposit. And although the interest is paltry even on the large deposit I made, if they are subjecting all of their customers ( XXXX XXXX ) to this arduous XXXX6 days validation of deposits and not paying interest at the same time, it is a significant impact on the consumer. Especially considering the are the second largest depositor in the XXXX.