davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DE)

I currently have a mortgage with Wells Fargo. The mortgage is currently 9 years old. I phoned the company and asked them to remove PMI due to time paying into the mortgage. They said I have to pay until XX/XX/2019. XXXX note with XXXX owed. 
Perfect payment history. Loan was absorbed from XXXX.
Consumer complaint received 2021-09-02
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. (NC)

I have disputed addresses and names that are not associated with me and due to the fact of being associated with fraudulent accounts the information is confirmed correct by the reporting agency its only one name XXXX XXXX XXXX XXXX that should be associated with me as well as one address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ) is the only address that should be associated with me
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

Good Morning XXXX XXXX XXXX ; This is unreal! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2019-08-22
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (GA)

I have setup payments wit this company for the last 2 years. They will only setup 6 months at a time. The day that the last payment is taken out they start calling me every hour on the hour. Its ridiculous to be harassed this much. I've been paying them {$300.00} a month for the past 2 years without fail. When I call to set up the next 6 months payments they give me grief and tell me that I need to take out a loan to pay this in full and that at the rate i'm going its going to take 12 years to pay it off. I mean if I could I would but I'm paying them monthly so what the XXXX does it matter.
Consumer complaint received 2022-08-06
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you 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 block/remove the following items : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PHYS XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 2020-12-03
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. (LA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (OH)

XXXX XXXXN & EQUIFAX has been reporting fraudulent accounts on my credit report Ive sent all 3 bureaus a demand and comply letter pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Now this federal law states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Ive attached a copy my drivers licenses My FTC report And a detailed letter stating those accounts are fraudulent and are not connected to me in no way shape or form and was not authorized by me. So as stated above XXXX  had 4 days to remove those items from my credit report. All XXXX bureaus have received my letter through certified mail on XX/XX/2021 or before that date and these accounts are still showing up on my credit report. I want them removed immediately
Consumer complaint received 2019-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

XXXX XXXX refuses to accurately calculate the number of qualifying payments I have made on my student loan toward Public Service Loan Forgiveness. I sent in my last public service Employment Certification Form in XX/XX/XXXX and now it's XX/XX/XXXX and XXXX XXXX still has NOT calculated my qualifying payments accurately. 
As of the XX/XX/XXXX date, I have made 68 qualifying payments. XXXX has reported to me random numbers, all less than 68. In fact, just recently it lowered the number of payments I made without explanation, without documentation, without reason. 
That it takes XXXX XXXX  nearly a year to count up payments accurately is a terribly sad indictment on the competence of this agency and its representatives. It's time for Federal intervention.
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

On XX/XX/XXXX, my home was destroyed by a tornado. I contacted the mortgage company, LoanCare aka XXXX XXXX  at that time. I requested a payoff statement per my insurance company request, and a check was mailed in XX/XX/XXXX for the full amount of the payoff ( {$48000.00} ). I called the mortgage company, and confirmed that the check was received, and that the loan was paid in full. My insurance company confirmed that the check cleared the bank on XX/XX/19. On XX/XX/19, I recieved a letter from LoanCare stating that the check was rejected, and was returned to me. I did not receive the check. I have made numerous calls to LoanCare, and have been told that the check was placed in a " suspense account '' in error, and the payoff would be rectified immediately. I sent a letter by mail and an email on XX/XX/19, asking that they apply the check to the account, with no response. I have waited the seven business days for a response, and have heard nothing. The check still has not been applied to the loan.
Consumer complaint received 2019-08-22
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. (OH)

On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both XXXX and Equifax regarding XXXX XXXX XXXX XXXX intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with XXXX on XX/XX/XXXX, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact XXXX can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!
Consumer complaint received 2018-09-13
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. (FL)

Following a recent review of my credit report at the Equifax, XXXX and XXXX  consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX XXXX ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.
Consumer complaint received 2019-08-22
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. (NC)

Please note that the mentioned companies listed are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-12-03
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)

THE ACCOUNT/LEASE LISTED IS FRAUDULENT SOMEONE USED MY NAME SOCIAL SECURITY AND PHOTO ID TO GET A APARTMENT LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AUTHORITIES ABOUT THIS IDENTITY THEFT REPORT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2022-01-07
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. (PA)

I reached out to all XXXX credit reporting agency XXXX XXXX 2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knowingly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2020-12-03
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: AES/PHEAA (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

I started the refinance process with Citibank in XXXX of 2020. After delivering all paperwork and necessary documentation and keeping that information up to date as requests, I was denied the refinance. This happened after I asked if we could close by XX/XX/XXXX because my husband would be out of town for two months and would not be able to attend a closing until XXXX or late XXXX. The loan officer ( XXXX XXXX ) working on my account cc 'd the boss ( XXXX XXXX ) of the loan manager ( XXXX XXXX ) and a day later, it seems like Citibank found a reason to deny us they said there was a clause in our proprietary lease they found objectionable and they denied our building, which means we don't get to refinance. On top of this, when our apartment was appraised, it was full of mistakes and our appraisal ended up being {$30000.00} less than our upstairs neighbors who are white ( we're Black ) and have a smaller apartment, fewer in-apartment amenities, and fewer shares. My neighbor told me the appraiser did not even enter his apartment. When I complained to the loan manager at Citibank about the low appraisal, he waived it off and suggested there must have been some other reason for it to come in low. We were planning to renovate our bathroom so I did not order another appraisal at that time and I did not want to hold up the process, so I let it go. My upstairs neighbors were able to complete their refinance ( their lease is the same as ours ) and they are able to take advantage of historically low rates, while we have been locked out. Incidentally, the original mortgage on our apartment was with Citibank and they had absolutely no problem with the lease at that time. Why is it suddenly a problem now? Citibank wasted 7 months of my time, cost me nearly {$800.00} refinance application fee and calculable extra interest since I can't refinance now, and then denied us when I asked if they could meet a deadline. It seems unfair to me that because Citibank was unable to meet a deadline and did not want to admit this, they found a reason to deny us.
Consumer complaint received 2018-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (GA)

I have been receiving calls for months from XXXX XXXX XXXX XXXX XXXX XXXX. A recorded message is asking for a XXXX XXXX. I do not know this person! 
After getting these calls for weeks, I finally called them and asked them to take them off of their calling list. They refused because I would not provide them with my personal information. I am XXXX   with XXXX XXXX so it is difficult for me to get to the phone. I don't need these calls! They call very often. I have a very small CID, but I have that this month alone, they called on : XX/XX/XXXX @ XXXX PM, XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM Yes, dates are correct XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM During this month, our phone / internet service has gone out on occasion with XXXX, so I don't know if they attempted to call more frequently or not. I do know that my sister-in-law XXXX XXXX and we were in a different state for a couple of days in early XXXX and when we returned there were several calls at that time. I don't know what else to do, since they only seem to want my personal information. I do not know these people ( XXXX XXXX XXXX XXXX and I do not know XXXX XXXX XXXX XXXX? XXXX. My husband 's name is XXXX, but I know he has a credit rating over 820 and we have been married for more than 30 years. Our last name ( nor any of his family ) is NOT similar to anything that sounds like XXXX?. I do not know if someone has found our number and given our number out, but I don't even give it out to doctors. I just want these calls to stop and appreciate any help you can provide.
Consumer complaint received 2019-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I had check my credit report and it show that I have a collection due from XXXX XXXX cellphones company since XX/XX/2007. This is a 12 years ago matter. I been contacting XXXX XXXX  company and they said that is nothing they can do because I dont have the supposed account number. I am stock on a circle here. Please help me to resolve this matter. Do not know if I will have to hire a lawyer to take care of this. Thank you
Consumer complaint received 2019-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (FL)

FROST- ARNETT is the collection agency. we have asked them 3 times to send us detail information on 2 accounts they are trying to collected. we asked for complete address of the customers and a detail bill for both medical bills. 
we have also asked if our insurance has made payments on these bills : XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX XXXX XXXX. {$510.00} We made these request by telephone and in writing certified mailing. 
They have made no effort to correct this problem.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

First : This refers to a debit card on a Citibank checking account but your checking account form did not include " debit card fraud ''. 

On XX/XX/2019 my wallet was stolen in XXXX at approximately XXXX XXXX  XXXX time, XXXX XXXX  Eastern time. I called my banks including Citibank to notify them of the theft and was assured by all that my cards had been cancelled. 

At approximately XXXX XXXX  XXXX time, XXXX Easter time, I discovered that approximately {$2600.00} in transactions had been made on my Citibank debit card. I again called Citibank and reported this, disputing all the charges. These transactions had begun about 1 hour after my initial call to Citibank, at XXXX XXXX XXXX / XXXX XXXX  Eastern time. 

Citibank gave me a temporary credit for the fraudulent charges and said they would investigate. 

Citibank has informed me that they have decided to leave one of those charges, for {$1000.00} on my account and have debited my account for that amount. To repeat, this was a charge that occurred 1 hour after I reported my card stolen and after Citibank assured me the card was not usable.