davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

XX/XX/22 I applied online for a 2nd mortgage for an investment property loan with Wells Fargo Bank. A representative contacted me and indicated he would be sending me a pre-approval within the next few days. A few days later, he told me I could expect the pre-approval letter " by XXXX ''. In the meantime he requested I send bank statements, W2s, employment verification and a copy of my identification. I sent everything he requested. Once I verified he had received my documents, problems began. He stopped communicating unless I reached out to him. He told me several contradictory statements about the loan. He told me the loan was reviewed by the underwriter who needed 25 % down or a cosigner. When I agreed to that term he then told me the underwriter needed me to address a dispute Id made to my credit report. After I explained the dispute he then told me I needed to provide another bank statement. When I submitted another bank statement I also complained about how my loan request had been handled. Last week, as a denial, I received a letter stating Wells Fargo did not offer the loan package I had requested as the reason for the denial. The loan type listed was " conventional '' which Wells Fargo does in fact offer. I began sending courtesy copies of our emails to a bank manager who never contacted me. My credit score was within their parameters for the loan, I have steady long term employment and my debt to income is low. I believe I have been subjected to loan discrimination due to my race.
Consumer complaint received 2022-02-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

This home has a homestead exemption in place due to status as a service connected veteran. All homestead documents to that effect were completed and signed at closing on XX/XX/2021 & the homestead was approved by XXXX XXXX, XXXX XXXX is the lender. ( Nationstar/Servicer ) Some months later, I was sent a letter stating the mortgage was going up due to an escrow shortage for the property taxes. I spoke with several managers & advised with the Homestead exemption that there should be no shortage, my payment has yet to be modified.
Consumer complaint received 2022-02-06
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)

XXXX XXXX XXXX is reporting on Equifax closed accounts as accurate and on time. Equifax is reporting closed accounts as open and on time. 
The accounts are reported daily as on-time. The accounts have no status and no remarks. These accounts need to be deleted. The closed accounts are keeping my fico and vantage score from improving and increasing due to the fraudulent scams to keep the closed accounts as open when they are not. By keeping the accounts XXXX XXXX can continue to be paid. This practice of reporting these closed accounts does not allow any financial opportunity for future credit or financial assistance
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AZ)

Dentist came up with a plan for {$3000.00} and enrolled me in Care Credit a year ago. Today I was hit with nearly {$900.00} interest because the balance wasn't paid in full. 
I was not properly informed of the terms or how this account was structured. The dental office staff suggested I apply for this credit line because they had a 12 month interest free offer going on. 
I went in because of a toothache and was up sold into a " bacteria analysis '' and deep cleaning. I really just needed the pain to stop. The pronlem tooth was not pulled, the dentist decided a different needed to be removed. So I still have the same broken tooth bothering me and after paying $ XXXX for a year I still have a {$2900.00} balance. My credit scores have plumetted. After I pay down the balance, care credit would reduce my credit line below my current balance, making it appear as if I was overmy limit.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

My Amazon store credit card handled by Synchrony bank, is telling me I am late with a my payment that is due on XX/XX/2019. I sent them a XXXX XXXX money order ( XXXX ) on XX/XX/2019 for an amount of XXXX. I have not tried to contact them, I remember their poor customer treatment from dealing with them in the late XXXX 's and I am glad to see that XXXX will soon stop using them. I will stop using this card once I get it paid off, which due to my inability to get a debt consolidation loan will take some time. However I am not nor was I late on this payment for XX/XX/2019. 
Synchrony Bank should be fined heavily and preferably be put out of business along with their CEOs and upper management placed in prison. They obviously still believe in ripping people off.
Consumer complaint received 2019-07-30
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. (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate :
Consumer complaint received 2018-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (RI)

Hello I looked up and both credit reports for me and my mother. It no longer show 's up at all Why are you trying to collect a debt that was A discharge and B Was so long so that it doesnt even show up. Are you that greedy that you are trying to ruin my chances at buying a house
Consumer complaint received 2022-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (AL)

Assetcare is in violation of the fair debt collection practice act. I have attached a letter that shows all the violations. They also sent this letter to the wrong address and the mail lady gave it to me because she know me.All violations is listed below 1. 15 usc 1692c ( a ) communication without prior consent, expressed permission, I never gave them consent to contact me and they sending fraudulent letters without my permission.

2. 15 usc 1692A or 803 ( 6 ) clause ( f ) any creditor who in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts.The letter attached shows they are attempting to collect this alleged debt in another company name which is a violation.

3. 15 usc 1692J furnishing certain deceptive forms is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief.They sent a false letter with my personal information which is a violation.

4.15usc 1692 ( f ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law.I have no contracts nor agreements with this company, the letter attached shows assetccare says I owe this alleged debt and I dont which is a violation. 
This letter have no signature nor person name listed on the letter. This letter is false and they stole my personal information and is using my information for their personal gain.
Consumer complaint received 2022-05-23
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. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2022-02-06
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. (CA)

i have been writin the credit bueaus for over a year, XXXX, XXXX equifax is da worst, they have refused to delete addresses, ive never lived at, which i belive is keeping me from getting da promtion in my XXXX XXXX, job. I have never lived at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor XXXX XXXX XXXX they have XXXX bankruptcys on my report that are not mine. I have been to the bankruptcy court, who can not find anything on me, how is it the credit bureaus have this stuff under me.I have a very common surname, which is has gotten me mixed up before, but i have written dem, at leat a year and a half, and have gotten nowwhwere. i am aware. it has cost me money in promotions, time and money ill never get back, how is this possible in dis country, the best of all?
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Accordance with the Fair credit reporting act this creditor Capital One has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment
Consumer complaint received 2022-05-23
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. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-02-06
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. (GA)

I did not consent to, authorize or benefit from any of the following inquiries. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX- XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I noticed discrepancies on my account last year and contacted the reporting agency. There is an account i've asked four times to be investigated. Even filed a CFPB complaint and they removed it but put it back on with updated spelling. I am disgusted. 

I sent a letter XXXX, XXXX, XXXX, XX/XX/2021, and XX/XX/2021. 

The charge off from XXXX XXXX  remains on my report and with conflicting reporting. I want it DELETED. 

The account number is missing, high credit amounts are different, date of last payment and active is different, payment history is different. If its the same account and they both investigated HOW is the accounts reporting differently.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Hi! I am needing help removing my bankruptsy from my equafax and XXXX  report. pls pls help due to me having XXXX.
Consumer complaint received 2022-05-23
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)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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
Consumer complaint received 2022-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

My mortgage was transferred from XXXX XXXX to XXXX by mr cooper as on XX/XX/2022. I sent my payment to the payee information on the my XXXX loan website and it was deducted from my bank account and never applied towards my balance. They are claiming i did not send the check. I had a 3 way call with mr cooper and XXXX and they confirmed payment was sent to the correct address and account number. Now mr cooper has sent me an email stating they can not find my payment still and that I am responsible for paying even though they processed the check against something.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I used to have XXXX XXXX Credit Card from Wells Fargo, which was closed in winter XXXX. That card had certain benefits, such as Cellular Telephone Protection, Retail Protection, Extended Warranty, Worldwide Travel Inconvenience Insurance : For Lost or Damaged Baggage, etc. Those benefits were supposed to be covered by XXXX XXXX XXXX, a member insurer of the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. When I filed a claim for my losses, XXXX XXXX XXXX denied it with false reasons. I filed an appeal, and it was not even responded to. So, the guide of benefits specified that all disputes were supposed to be arbitrated by XXXX XXXX XXXX ( XXXX XXXX. When I filed my request for arbitration with XXXX and served with my XXXX XXXX XXXX XXXX and its representative, XXXXXXXX XXXX XXXX, they refused to participate in arbitration, and XXXX administratively closed my Case Number : XXXX. The XXXX 's decision clearly stated that Wells Fargo was supposed to remove XXXX XXXX XXXX as its underwriter from its guide of benefits. However, Wells Fargo refused to obey that decision and it didn't remove XXXX XXXX XXXX from its guide of benefits. When I filed my complaint with CFPB XXXX, Wells Fargo responded that my card was closed in XXXX, therefore I lost all benefits in XXXX. Well, first of all, even if my card was closed in XXXX, any claim I filed prior to that was supposed to be properly responded and arbitrated within allowed time period. Second, my card was still open in XXXX, and it was closed in XXXX ; however, I filed my claim with XXXX XXXX XXXX prior to my card was closed, that was why XXXX XXXX XXXX was supposed to review my claim and respond to my appeal, which it didn't do. Besides that, all disputes related to the claims filed prior to the card closure were supposed to be arbitrated with XXXX, which XXXX XXXX XXXX refused to do as well. So, I request another time to remove XXXX XXXX XXXX from Wells Fargo XXXX XXXX XXXX XXXX XXXX decision clearly stated.
Consumer complaint received 2022-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (MI)

I have contacted all three credit Bureau, XXXX XXXX, XXXX and The Bureau to get this resolved since XX/XX/XXXX. XXXX credit agencies are reporting the same debt two different amounts and days apart. It is also showing as past due but was satisfied via garnishment and should state collection paid as of XX/XX/XXXX. This is with XXXX funding and The Bureaus. XX/XX/XXXX & XX/XX/XXXX is the reporting date in the amount of {$1500.00} & {$1500.00}. XXXX XXXX is reporting an account on XX/XX/XXXX in the amount of {$72000.00} this is not my account and nor was there an inquiry completed for this.
Consumer complaint received 2022-05-23
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. (AZ)

In accordance with the Fair Credit Reporting act 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. 

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
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

The following addresses listed as my personal information on my XXXX and Equifax credit report is inaccurate : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. The addresses are not my addresses and I have never resided at the above addresses.
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KINGS CREDIT SERVICES (CA)

In XXXX I was in an XXXX relationship, I left the property in question and informed the manager of my situation. 2 days after leaving, a man whose wife was having an affair with my ex caused damage to the apartment. I spoke with a lawyer who claimed he was representing the apartment complex. Explained the situation and was told my name would be removed from the issue. Never heard anything again about it. On XX/XX/XXXX I received a notice in the mail from Kings Credit Services. This notice simply stated the amount and " Re : XXXX XXXX  and various others '' along with the debt amount, debt collection agency 's name, address and phone number. There was a important consumer information disclaimer stating that it was an attempt to collect a debt. There was no information on my rights, or how to dispute the debt. When I contacted the agency on XX/XX/XXXX, I was informed that there was a judgement against me. I had no knowledge of this prior, and was never provided paperwork. XXXX XXXX, the representative I spoke with, claims that I was served by proxy with the papers given to someone I was close with. I reached out to this person and they have no recollection of this. Further, the company never mailed out any other documentation to me. Literally the notice I received in the mail on XX/XX/XXXX was the only piece of mail received from the debt collector, and it does not state anything about my rights at all.
Consumer complaint received 2022-05-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-05
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. (TX)

Unauthorized use of my Credit Report. 

Im filling a complaint because Ive noticed XXXX XXXX, Equifax, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how equifax, XXXX, and XXXX are able to obtain, furnish, and report completely false and inaccurate information on consumers report. Especially without the consent of that consumer. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.