davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX child support opened a case against me in XXXX when they started taking child support out of my checks. I was then XXXX in XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed in XXXX of XXXX an report was added to the credit report in XXXX of XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings. I
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (CA)

I recieved a letter requesting payment on a debt that may have been my former wife 's. We we divorced on XXXX XXXX 2007 and her debts were discharged in bankruptcy in 2007. I have never had an account that they are claiming. And if I do not respond to them then they are claiming I am accepting a debt I never had to begin with.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello and good day, please read this complaint seriously. My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Consumer complaint received 2016-02-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (CA)

Well Fargo has been trying to collect on a past debt which 9 years old & purporting that I made arrangements for payments and have not promised nothing ( I am on Social Security ) Under FDCPA you can not garnish under state & federal law - Now calling with threats of suing and XXXX XXXX has said that court documents were filed in XXXX XXXX, CA - Which is a bare face lie XXXX XXXX is violating FDCPA and attempting to collect on a debt beyond statue of limitations 2007 - A letter was sent multiple times Cease & Desist - However ignored request. Wells Fargo refuses to stop calling - Want to sue!!
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

COMPLAIINT : WELLS FARGO N.A, WFHM, & XXXX XXXX TRUSTEE SOLUTION IS IN VIOLATION OF NOTICE OF TRUSTEE SALE OF MY ( XXXX XXXX ) PROPERTY LOCATED AT : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 
NOT RECEIVING PROMISSED LOAN MOD DOCUMENTSSERVICER REFUSE XXXX TO ACCEPT MY PAYMENTS DEFECTIVE PAPERS ARE RECORDED WITH XXXX TRUSTEE SERVICING SOLUTION, LOST THEIR TRUSTEE RIGHTS TO XXXX ( TRUSTEE OF XXXX ), CHANGED NAME OF THE ADDRESS & SUBSTITUTION TRUSTEE NOT FILED CORRECTLY, NO RECORD WITH STATE OF CALIFORNIA OF SUBSTITUTION TRUSTEE. 
NON DISCLOSURE OF DOCUMENTS & VIOLATION IE :. 1-XXXX BALANCE SHEET 2-XXXX OID REPORT 3-XXXX REGISTRATION STATEMENT 4-XXXX PROSPECTIVE 5-XXXX & XXXX XXXX SCHEDULE 6- FULL ACCOUNTING & VERIFY STATUS OF AN " UNCONSCIIONABLE CONTRACT '' .7- VIOLATION OF DUAL TRACKING -I WAS IN LOAN MODE WHEN WFHM SEND LETTER OF -NOTICE OF TRUSTEE SALE, NO DENIAL LETTER / APPEAL LETTER /RIGHTS OF THE TRUSTOR / BORROWER WAS SEND. 8-VIOLATION OF THE SECURITY FIRST RULE 9-WRONGFUL FORECLOSURE 10-VIOLATION OF THE XXXX FDCPA 11-VIOLATION UNDER B & P CODE XXXX ET SEQ :., NO RESPOSE TO MY NOTICES, OBJECTIONS AND DEMAND LETTERS DATED XX/XX/2015 & XX/XX/2015 12-THERE IS NO DELINQUENCY OR DEFAULT -LENDER HAS BEEN PAID IN FULL 13-JUDICIAL PROCEEDING IN WHICH ALL PARTIES ARE INCLUDED WILL PROVIDE FAIR DETERMINATION OF THE RIGHTS, OBLIGATION AND TITLE TO THE PROPERTY, MORTGAGE AND NOTE. TITLE AGENT SAME AS TRUSTEE HAS INSURANCE FOR ERROR AND OMISSION THAT ISSUED THE POLICY WILL HAVE TOTAL LIABILITY FOR THIS FRAUDULENT TRANSACTION. 
XXXX-VIOLATION OF CCC XXXX, XXXX XXXX, HBR, OCC & IFR . 
TO AVOID LITIGATION SOLUTION FOR THE PROBLEM IS THAT I WAS APPROVED HAMP AND PAID {$1800.00} FOR 9 MONTHS IN GOOD FAITH, I LIKE TO HAVE THE SAME DEAL, SO ME & MY FAMILY BE A GOOD CUSTOMER OF THE WFHM AND IN SUCH WAY BOTH PARTIES WILL AVOID EXPENSIVE LITIGATION AND ALSO MY LAWYERS AND CONSULAR GAVE ME THE ADVICE THAT RE ENTERY DEPT. XXXX XXXX XXXX IS NOT COOPERATING AND VERY RUDE IN HIS DECISION AND HE IS NOT GOOD FOR BOTH PARTIES. 
I HOPE AND REQUEST THAT WE SHOULD GET SOME REASONABLE PERSON WHO CAN UNDER STAND BOTH PARTIES AS CASE MANAGER IN THE RE- ENTERY DEPT :. 
I XXXX XXXX & FAMILY SUBMITTED ALL LOAN DOCUMENTS AND REQUESTED TO CANCEL / RESEND /POSTPOND SALE DATE. I HOPE YOU WILL UNDER STAND BOTH PARTIES POSITION AND INVESTIGATE THE MATTER, WHICH IS BEST FOR BOTH THE PARTIES. 
THANK YOU. 
XXXX XXXX
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I am a victim of identity theft. I sent in to the credit bureau a copy of my identity theft report, police report and a letter detailing the fraudulent items that I requested to be blocked from reporting on my report. Some items were blocked, however, not all of them listed in my letter and in the police report were. There are XXXX tax liens and a bankruptcy that is being reported in error on my report. I have never filed bankruptcy, nor have I had any tax liens against me. I contacted the courts directly and was told that they do not report to credit bureaus and that I would have to deal directly with Experian, as the other credit bureaus blocked the fraudulent reporting. Upon contacting Experian, I was told that they verified the accounts and will continue to report them. How can they verify them with the courts, if the courts do not report to them or communicate with them? I do n't understand why Experian insists on reporting fraudulent information at my expense.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Denied refinancing at a lower interest rate by SPS ~ Select Portfolio Services. This occurred while I was in XXXX with XXXX - XXXX. I had a XXXX and per doctor 's orders was not to be on my XXXX this time. I did the best I could, keeping up with my bills while only receiving partial pay of {$XXXX} per week from XXXX/workmen 's comp. At this time I was employed by a XXXX. Approximately two weeks prior to returning to my job they made the decision not to hold my job for me any longer, and I was terminated on XXXX XXXX, 2011. I got very behind on everything during this time period and applied to SPS to refinance my home at a lower interest rate, in order to lower my monthly mortgage payments. They rejected my application, while still charging me a 10.75 % interest rate on my home mortgage loan. According to current laws this is predatory lending. They have me over a barrel, as I had gotten farther and farther behind. I kept appealing their decision and finally they gave me a proposal for repayment which XXXX my monthly mortgage payment from approximately {$850.00} per mo ( which I was unable to afford ) to over {$1500.00} per month in order to repay the monies that I owe them. All the while the interest rate has never been lowered and is still the 10.75 %. We have been fighting them with an attorney for over a year now and they recently denied our filing stating we could afford the {$1500.00} per month for a mortgage payment. That is currently 47.5 % of my gross monthly income, which puts a real financial hardship on our household when considering other monthly living expenses. 








































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Consumer complaint received 2016-02-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

My wife & I have a second mortgage with OCWEN Loan Servicing , LLC, bought from our original loan company of GMAC, that we have made monthly payments on since XX/XX/XXXX, never being late & never missing a payment. XX/XX/XXXX we received a letter from OCWEN stating that our payment was being increased from {$460.00} a month to {$2100.00} due by XX/XX/XXXX. The letter was dated XX/XX/XXXX showing that an official notice of only 18 days was given of this increase. We had only 11 days notice upon receiving the letter. After contacting OCWEN & explaining that we could not possibly make this payment amount we were told by their " calculations '' that we should be able to handle this increase but were offered the possibility of a loan modification. We applied for this modification immediately & each month are asked to provide new documentation of our finances with no answer as to a loan modification. In the meantime, by today 's date of XX/XX/XXXX, we have been turned down for XXXX loans due to our high debt to income, have been reported to credit agencies as deragatory on the OCWEN account even after borrowing from family {$6300.00} to bring our account with them current, and get no answer from OCWEN to work with us to keep our credit in tact. We have explained medical hardship as our reason for need of modification as my wife lost her job almost 4 years ago & is now on full XXXX. We have working with yet another mortgage lender & have now been approved for a loan to consolidate our first and second mortgage but our payment will be raised approximatly {$200.00} which will be a hardship in itself. Needless to say, the notice given to us was questionable, unfair, and this company has caused us much stress and grief in the last few months. OCWEN customer service reps have remained uncaring, unwilling to answer questions, and stay to a straight script each time a call is made and ask all the same questions of us over and over again even though nothing changes for us week to week. We were advised to file this complaint by several loan officers from other mortgage companies who have been appalled at the treatment we have received from this company. This time frame has been unfair, impossible to work with, and in the meantime, our credit is being ruined by a company who has no concern to work with us and would rather see us file bankruptcy per the letters that we receive from them.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (AR)

In XXXX XXXX, I was granted a modification From Seterus Inc . I signed XXXX copies of the modification and returned it to the servicer in XX/XX/XXXX. According to the modification after making 3 consecutive payments it was supposed to become permanent, XXXX XXXX, after it became permanent in was supposed to be signed by the servicer and presented to The XXXX XXXX XXXX Arkansas Bankruptcy Court for approval. When I contacted Seterus about a copy of the modification this I was sent a unsigned copy, when I requested a singed copy I was told they had not completed it as of XX/XX/XXXX. After rigorous attempts to get a signed copy I received a sign copy in XXXX XXXX. I contacted Seterus at that time to request that the signed copy be summited to The XXXX District of Arkansas Bankruptcy Court for approval, I was told they summited a n unsigned copy XX/XX/XXXX and it was denied, I explained that the court had stated that it would not approve an incomplete document was the reason for the denial and requested that Seterus summit the modification with both parties signatures to the court stated above, I was told that they had no intentions of summiting the documents for approval believe this is in violation of the servicer rules
Consumer complaint received 2015-07-06
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I traded my 2012 XXXX for another car at XXXX XXXX in XXXX XXXX, XXXX Toyota Financial Services reported my car as a repossesion car and reported me to collection agaency by mistake, and ruined my credite from XXXX to XXXX, ofcourse they try to repair thier mistakes but damage was done by thier mistakes, I wonder if anybody from government side can punish this Financial Institution. ThanksXXXX XXXX
Consumer complaint received 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received from transunion credit reporting investigation which came back verified XX/XX/year> file # XXXX they didn't send me proper investigation as far as this account reporting HUGE ERRORS, AND MY RIGHTS HAVE BEEN VIOLATION FROM LACK OF PROPER INVESTIGATION
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

As I understand it, credit card companies are required by law to list the interest rates and balances subject to these interest rates on monthly credit card statements. I 've notified Bank of America on many occasions that my credit card statements, more often than not, DO NOT include this important information. As of my last complaint about it, BOA reached out to me and said it was a result of a system upgrade and my statements would now include that information. As of XXXX 2015 my monthly statement included the information I was expecting. It seems they corrected the problem for 2 months as XXXX 's statement to current no longer provides this information.
Consumer complaint received 2016-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc. (TX)

I am continuing to receive calls from a collection agency after notifying them that I am not responsible for the utility charges they allege. I also called the company that they are collecting for and learned that company does not use this collection agency nor do they have my name filed under any service. I believe it is a scam.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OR)

My loan was transferred to XXXX XXXX, which I did not initiate. Payments are being made, yet they have not submitted this to the credit reporting agencies. They said it takes 30 - 60 days for them to do so. This is unfair because it negatively impacts credit scores.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My loan was transferred to XXXX XXXX, which I did not initiate. Payments are being made, yet they have not submitted this to the credit reporting agencies. They said it takes 30 - 60 days for them to do so. This is unfair because it negatively impacts credit scores.
Consumer complaint received 2015-07-24
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have XXXX accounts with Bank of America, XXXX is a business account the other is a checking account. I made a {$500.00} online transfer for XXXX XXXX, 2015 from the business account to the checking account. At the time I effected the transfer I was given a transaction number of # -- -- -- XXXX. This evening when I went to transact some additional business I noticed that my account was short by {$500.00}. It seems that there were XXXX ( XXXX ) transfers from the business account to the checking account with the following transaction numbers : -- -- -- XXXX and -- -- -- XXXX. As you will see, neither of these numbers is the same as the original transformation number that I was given. Rest assured, that all my previous transaction numbers that I was provided at the time of the transaction correspond with what later shows up in my online account. 
I immediately contacted B of A. After waiting on the phone for an hour, I was finally connected to someone by the name XXXX who could offer no explanation as to how or why this happened. She said she would transfer the {$500.00} back to my account but she could not do it for value on XXXX XXXX, which is when the erroneous dare I say fraudulent transfer was made by the bank. I asked to be transferred to the manager she said she had just spoken with and I was told there was no manager on duty that could help me which I suspect was a blatant lie.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am urgently notifying you that my credit report contains numerous fraudulent accounts that were added without my knowledge or consent due to identity theft. I request the immediate removal of these unauthorized accounts to correct this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and XXXX these fraudulent accounts to be promptly deleted to restore the accuracy of my credit report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2016-03-24
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have been trying to open an American Express Serve One VIP prepaid account for the past month and a half, with no success. I used to have a Target Prepaid REDcard by American Express, which I closed in order to open a Serve account. On a recorded phone line on XXXX XXXX, 2016, XXXX in Account Protection Services stated : " rest assured that you will be able to sign up for another American Express Serve card. '' Nevertheless, despite numerous attempts online, over the phone, and by mail, I am still unable to open a Serve account : I keep on getting " Unable to Sign Up '' errors on the webform. I contacted them by certified mail on XXXX XXXX, 2016, and have yet to receive a response. The whole thing has been a big waste of time, and as of XXXX/XXXX/2016 I still am unable to open a Serve account as promised. I believe that American Express Serve is discriminating against me and similarly situated customers, and is not exercising due care in the management of personal data on their finance platform.
Consumer complaint received 2016-03-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation (IL)

I received a message from Global Credit and Collection company who said it was attempting to collect a debt I owe. I called the number back who said it was a non working number for XXXX. This same company left a message on XXXX other phone numbers that have never been associated with any account I have. It was disclosed on answering machines/voicemail that they were attempting to collect a debt from me.