davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
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: LEXISNEXIS (OH)

On or about XX/XX/2018, I called XXXX XXXX for an auto insurance quote. The quote came back more than double my previous rate and I was told by the rep that they had pulled a LexisNexis report that showed multiple accidents accounting for the increased rate. I contacted LexisNexis and requested a copy of the report. 

The report I received from them dated XX/XX/2018 includes accidents for other individuals from other states with different dates of birth and social security numbers. I contacted LexisNexis and was told that my insurance company had provided that information to them and that I would need to contact my insurance company. When I contacted my insurance company they did not have that incorrect information and said they did not provide that incorrect information. 

I filed disputes with LexisNexis for the incorrect information and am still waiting for a response. I feel that LexisNexis should be held accountable for recording incorrect information especially when they have dates of birth, addresses, and social security numbers, all of which are easily verifiable. There is no reason for other individuals ' information to be carelessly put on my report.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC (TX)

On XX/XX/XXXX, myself, my mother and ex husband were called from The XXXX XXXX in regards to a 'complaint ' against me filed with them. This was the voicemail that was documented : Good morning this urgent message is intended for XXXX XXXX I'm contacting you today in regards to a complaint it's been forwarded to my office to discuss the pending actions that may be filed against you you'll need to immediately contact the firm that issued this complaint the number provided by the firm is XXXX you'll need to reference file number XXXX so please understand that this is a time sensitive message and failure to respond may result in the firm proceeding forward and making a decision without your participation please be advised that all calls are logged in submitted as proof of the efforts being made to notify you of these actions I called back and spoke to XXXX XXXX at extension XXXX. She told me that I owed {$8000.00}. She said there was a letter mailed a month and a half ago. I did verify that it was sent to the incorrect address. She asked her director if they would honor the pay off and they said they would. The pay off is {$1800.00}. She told me that this was for Continental Finance credit card which was opened XX/XX/XXXX and charged off XX/XX/XXXX. I do not see this on my credit report and I did not see it on my credit report when I cleaned it up back in XXXX. I asked her for 30 days to validate the date and she said I was 'in default ' and that giving me that time was not an option. She stated that my case would be filed to go to court either today or at the latest on Monday if I didn't agree to a payment plan or give them a post dated check or something to 'cease and desist. ' According to the statute of limitations, I can not be sued for this debt.
Consumer complaint received 2022-10-24
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. (NY)

In reviewing my credit report, I discovered inaccurate information including my name, address and phone number. I sent a letter to Experian, however the incorrect name, address and phone number have not been removed from my credit report.
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Mr. Cooper Group Inc. (NV)

On XX/XX/2021 I wire transferred {$170000.00} from my checking account to NationStar Mortgage LLC XXXX, TX to retire loan # XXXX held in lien on a property located at XXXX XXXX XXXX XXXX XXXX, NV XXXX. As of today no action has been taken on the part of the lender to pay off the mortgage or return my money. I've made numerous calls to associates of the lender and have received nothing but the run-around. No one seems to be able to answer my questions. I have not received a single email or phone call to get to the bottom of this situation and am finally reaching out to you for help. Besides many sleepless nights on my part, my son-in law has had negative reports registered on his credit reports that will affect his borrowing qualifications and interest rates for who knows how long. According to the company 's Resolution Team I should have received an answer within 7-10 business days. This time period expired days ago.
Consumer complaint received 2022-07-30
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. (MD)

They are furnishing this account on my consumer report. 

XXXX Account Number : XXXX 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 instruction 15 u.s.c 1692c 15 u.s.c 1692b 15 u.s.c 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX acct # 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 2017-02-28
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

Citibank is not applying excess payments to the highest interest rate. They are claiming a lower rate balance transfer qualifies to be paid first because it has a promotional expiration date. That makes no sense - it 's not an interest free promotion ( deferred interest ) it just means the rate will go up when it expires. This does n't qualify as per the legal requirements.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion refuse to allow me to see my credit reports online. XXXX just started this to me after I submitted the complaint against them through the CFPB. They refuse to accurately verify the accounts in question instead they just update the accounts with the fraud information. As far as Transunion they won't allow me to create an online account either they tell me I already have one every time I try to reset the password it shows an email that doesn't belong to me. I have brought this up which clearly indicates fraud but they refuse to help me. Instead, they send letters to my XXXX XXXX verify my address which I have done several times and yet they won't update it. I will be uploading my pay stub as proof of address on this complaint. It is also against the law to prevent me from accessing my credit report. I have to rely on other sources to get my report. then they try to force me to pay a credit score that they won't even update. XXXX sent me a letter in the mail that said I didn't have a credit file yet here we are still with this information they won't delete.
Consumer complaint received 2020-04-09
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: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (FL)

I have a HELOC with Iberia bank that was established in XXXX. At the time of this writing and the time that the issue I'm reporting occurred I've had a zero balance on this HELOC. In XXXX of XXXX I was contacted by an Iberia employee in reference to a past due annual fee for my HELOC account. I informed the employee that I did not receive any communications via email or letter mail regarding this annual fee and that the fee was late due to no fault of my own. The employee agreed with me and advised to just pay the fee as soon as possible, which I did. Despite Iberia bank 's failure to send me a bill they reported me to the credit bureaus as being 30 days late on a mortgage loan, 30 days late for an annual fee of {$50.00} on an $ XXXX HELOC with a zero owed balance. I'm in the process of refinancing my loan and this negative mark on my credit report is having a huge impact on my ability to obtain financing. I'm being penalized for the failure of Iberia bank to notify of money owed, please help.
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IL)

Enhanced Recovery Co. Opened on XX/XX/2015 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. 
This is a violation of my consumer rights because I was unable to dispute this debt. 

http : XXXX My Identity was stolen. I did not have an account with them.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-05-25
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. (OH)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc. (FL)

i asked this company before to validate this debt and they ignored me. now i keep getting collection letters from them. They want to collect on a judgment from the year XXXX, and that is like over 14 years ago. The judgment from court had expired and it was never renewed by the creditor so the judgment is no longer collectable. The collector has failed to validate the debt and is trying to get me to pay on something they know i no longer legally owe.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (OK)

Account is being reported as late and delinquent when I am prepaid for years. I’ve been making big payments to get these paid off, and currently show no balance due. However, my most recent credit report shows me as 90 days delinquent on these accounts.
Consumer complaint received 2022-05-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I contacted Wells Fargo mortgage on XX/XX/XXXX regarding my existing loan modification loan regarding the maturity date of XX/XX/2052 with XXXX payments remaining. I have been paying on this loan since XX/XX/2013 so it doesn't make sense to me that I still have 30 years left on this loan. Plus I found out that 73 % of my payments go to interest! The math doesn't add up to me and I would like this explained to me. One of their reps promised he would call me back but never did. I feel like I am getting the run around and no one wants to help me. He was going to transfer me to their home preservation department but they refused to take my call. I just want to make sure I am not over paying on my mortgage and that I have the correct amount of terms left. I had to stay on top of getting this loan modification since it took 2 years to approve. During that process they assigned me to numerous reps and then said I missed deadlines and had me start the whole process all over again. Also while going thru this process they would send me monthly foreclosure notices. It was a very stressful time for me.
Consumer complaint received 2022-05-05
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 the following creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Accordingly, 15 U.S.C. 1681 602 ( a ) states, I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2, further states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2020-04-09
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)

I have check my credit. I notice Accounts that I did not Authorize, how this happen I cant understand how Can Companies Allow. What happen to Verifying and do diligence. however I did not give any consent to have these Accounts open theses Account are not Valid and I want them removed of my credit
Consumer complaint received 2022-06-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX, has violated my rights. 
I have informed the consumer reporting agency that several rights have been violated by them publishing this account on my report. Certified letters were sent. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) .EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete this account from my consumer report. This company is in violation of 15 U.S. Code 1681.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (IN)

in XXXX of XXXX  my mortgage loan service was changed from XXXX XXXX  to Gregory Funding. I informed " Gregory Funding that a payment I made in XXXX of XXXX  had been made with XXXX XXXX. Eventually, we found that the payment was made and the payment was transferred to Gregory Funding. Since that time I have not been late for any payments. I am trying to refinance my loan since Gregory Funding is a predatory lender and charging me 7 %. I called Gregory Funding to get my payment history and was told that every payment was 30 days late. That is not reflected on the website run by Gregory Funding and now I can not apply for an FHA loan. This is FRAUD!!!!!!!! I was not 30 days late on my payments 11 times. I don't know where to turn but I believe legal action by CFPD needs to be taken against this company. They essential have made me a prisoner to a high-interest loan and through false reporting made it impossible to get another loan. Something needs to be done about companies like this.
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

My fiancee and I have a joint mortgage that we got through Wells Fargo Home Mortgage. A condition of getting this mortgage was enabling auto-debit, so our mortgage payments are automatically taken out of our bank account every month. 

During the month of XXXX, my fiancee and I opened a joint checking account. We updated our bank account information in Wells Fargo online banking. At no point did I see an option to enable or disable auto-debit, and at no point was I ever warned that auto-debit would be disabled. When looking over my bank statement at the end of the month, I realized that no mortgage payment was taken out of my account. I logged in to see that I had my XX/XX/XXXX payment >30 days past due and my XX/XX/XXXX payment several days past due. 

I called Wells Fargo, who informed me that when you switch checking accounts, you need to call them to have them manually re-enable auto debit. I was not warned of this at any point during the process. Wells Fargo also assured me that this wouldn't be reported to any of the credit reporting agencies. I made both payments and I am current on my mortgage. 

During the 30+ days my mortgage was past due, Wells Fargo made no attempt to call me, email me, or send me a letter to let me know I was past due on my mortgage. They did, during that very period of time, call me to offer me credit cards, deposit accounts, and investment services. 

2 days later I received a notice from XXXX that my credit score had dropped from the mid-700 's ( pristine credit ) to XXXX because I was delinquent on my mortgage. I have called Wells Fargo several times over the past three weeks and have been told " well, I don't know what you want us to do ''. They also said that they had no phone number for me. No phone number ... .the same bank that called me not 1 week prior to say " because you have been a great customer of Wells Fargo Mortgage , we would like to offer you a special rate on a credit card! '' I have spent a lifetime making debt payments on time. Not one blemish, not one late payment, not one single reason to think I am anything short of being as creditworthy as the US government. My fiancee and I make over {$300000.00} a year combined. These payments are literally no trouble at all for us to make. I need Wells Fargo to remedy this situation, which was entirely their fault.
Consumer complaint received 2021-11-04
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. (TN)

AFTER FURTHER REVIEW OF MY CREDIT REPORT, I HAVE NOTICED SOME ACCOUNTS THAT I HAVE BEEN AFFILIATED WITH. I DID NOT AUTHORIZE ANY PERSONS TO USE MY INFORMATION FOR THESE ACCOUNTS AND WHAT HAS BEEN RE-REPORTED TO THE BUREAUS AND IS NOW ON MY CREDIT IS 100 % INACCURATE. PLEASE ASSIST WITH DELETING THIS ITEM EXPEDITIOUSLY AS I AM NOT THE PERSON AFFILIATED WITH THESE UNKNOWN VENDORS.