davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have contacted Transunion several times over the course of the last 4 months, via phone and online to have 4 erroneous public records removed from my credit file. I disputed this information with Transunion as well as XXXX and XXXX. The other 2 credit reporting agencies removed the unverified public records and Transunion has not. I have also requested Transunion to supply written proof of the so-called debt/public records and they have not provided the information requested. Since they have refused to verify the information and the information has not been verified through the State, it is unfair to me. A debt should be validated from the state that filed the lien not a PUBLIC RECORD VENDOR! No other credit bureau will report it because it has not been verified by the state! A public record vendor can not be the one verifying this debt- its against my rights to have someone/vendor verify a debt that is being reported against me, especially when they do not and can not supply any proof or documentation that indeed this debt is mine.
Consumer complaint received 2016-08-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Dealer Services did not handle my repossession properly. According to the State of Texas UCC 9.506 & State RISA XXXX MVISA statutes a deficiency can not be claimed unless all of the required notices were properly & timely given. As well as all allowable redemption & cure time limits were adhered to. Wells Fargo failed to followv these requirements. I have contacted this company with no response to my request of proof of these noticed being sent due to the facts that I never received them & continued to get mail at the original address listed on my loan. After leaving that address I then had my mail forwarded. However if the notices were sent & received or sent & returned they should have proof of this. Which I 've asked for.
Consumer complaint received 2017-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

I received a collection letter from  Central Finan  cial reg arding a debt owed to  XXXX   XXXX   XXXX  on  X/X/2017   . I dispute the validity of this debt as I have met my annual deductible and should n't have any out of pocket expenses. I need further documentation verifying that this debt is valid.
Consumer complaint received 2017-09-04
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. (FL)

I am writing this letter to file a complaint against Trans Union regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all 3 Credit Bureaus. When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card,  Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX XXXX, Trans Union and to XXXX XXXX numerous times for their review and to this day still no response. In XXXX XXXX I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX Card and been faithfully paying that account on time as well. By now having those 2 accounts should have helped restore my credit history and generate a Credit or FICO score for me.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$XXXX}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. Please help.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

XXXX county recorder shows a lien file XXXX with a balance. an individual chapter XXXX bankruptcy discharged debt in XXXX. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX in XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.
Consumer complaint received 2017-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear TransUnion, This complaint is in reference to the tradeline on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX See attached page from my credit report. ( attached file- XXXX ) This company is operating illegally. In order to comply with the Texas Debt Collection Act - TEX. FIN. CODE 392.101 a third party debt collector must post a {$10000.00} surety bond to the Texas Secretary of State. XXXX XXXX XXXX XXXX is not in compliance with this law and the violation is both civil and criminal - TEX. FIN. CODE 392.402. Also, XXXX XXXX XXXX XXXX is not registered with the Texas Secretary State, therefore, no registered agent exists in Texas to receive service of process. I want to file suit but I can not! 

The Texas Secretary of State lists all legal debt collectors here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not listed ! 

I have already disputed this information directly with both XXXX XXXX XXXX XXXX via debt validation letters per FDCPA and Texas Debt  Collection Act. They finally responded to CFPB complaint but stated I sent a cease/desist in XXXX, XXXX, that is not true! 

I have filed complaint/disputes with : With you, TransUnion, via direct dispute sent via XXXX 

Also via CFPB Compliant # XXXX ( attached file- XXXX ) Texas Attorney General Compliant # XXXX ( attached file- XXXX ) This company is violating the FCRA. Please delete this tradeline or I will be forced to seek relief in a court of law.
Consumer complaint received 2017-09-04
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: Experian Information Solutions Inc. (TX)

Dear Experian, This complaint is in reference to the tradeline on credit file by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX See attached page from my credit report file # XXXX. ( attached file- XXXX ) This company is operating illegally. In order to comply with the Texas Debt Collection Act - TEX. FIN. CODE 392.101 a third party debt collector must post a {$10000.00} surety bond to the Texas Secretary of State. XXXX XXXX XXXX XXXX is not in compliance with this law and the violation is both civil and criminal - TEX. FIN. CODE 392.402. Also, XXXX XXXX XXXX XXXX is not registered with the Texas Secretary State, therefore, no registered agent exists in Texas to receive service of process. I want to file suit but I can not! 

Texas Secretary of State list of legal debt collectors is found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is n't there . 

I have already disputed this information directly with both XXXX XXXX XXXX XXXX via debt validation letters per FDCPA and Texas Debt Collection Act. No response until I filed complaint with CFPB and XXXX XXXX XXXX XXXX then stated that I sent a cease and desist letter in XXXX that I never sent. 

I have have so far filed complaints/disputed : With you, Experian, via direct dispute - dispute closed XXXX. 

Also via CFPB Compliant # XXXX ( attached file- XXXX ) Texas Attorney General Compliant # XXXX ( attached file- XXXX ) This company is clearly violating the FCRA, FDCPA, and Texas Debt Collection Act. Please delete this tradeline or I will be forced to seek relief in a court of law.
Consumer complaint received 2016-08-31
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Hewitt-Capital ()

I recently received a call from Hewitt Capital LLC regarding an amount of {$76.00} owed to XXXX XXXX XXXX for a payday loan. I paid this loan off about 3 months ago so it confused me as to why this company was calling me saying I was being charged for a Breach of Contract. They asked me if I wanted to it the voluntary way and I agreed. The person who called threatened me with the XXXX as I am an XXXX XXXX XXXX personnel. I researched Hewitt Capital LLC only to discover that it is a scamming company that bottom feeds from anything they can get their hands on. They are about to charge me {$76.00} that I DO NOT OWE on XXXX. I have attached a picture of the letter they sent me over email, threatening to add {$30.00} if I was unable to pay the amount I owed. The address on letter is from where I was previously stationed.
Consumer complaint received 2016-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (PA)

I have been in XXXX for two years, and entering my third. ACS has continually, through the three years, continued to withdraw a monthly amount, and claims they have no record of my enrolling in school ( no other lender has this issue ). Furthermore, I can not get a person on the line now, because every time I try to call, the system gravely informs me that my account and social security number are incorrect, and to 'call back when I have that number. ' Again, I am entering correct information. ( Although the website says it does n't display the full account number, with is supposed to be found under a non-existent general info tab ). This is beyond frustrating, and ACS should be held accountable in some way. Please help me contact them and get this issue ( that should not be an issue ) resolved. Thank you.
Consumer complaint received 2017-09-04
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: Experian Information Solutions Inc. (ND)

I am a victim of identity theft. I have 2 police reports on file with the XXXX and XXXX XXXX Police Department in regards to fraudulent collection accounts and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. I have sent both police reports to XXXX XXXX, XXXX and Experian in regards to the fraudulent collection accounts and hard inquiries. The following collection accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, {$7800.00}, XX/XX/XXXX, XXXX, {$6000.00}, XX/XX/XXXX, XXXX XXXX, {$290.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, Further I have been receiving harassing phone calls and death threats from XXXX XXXX representatives.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Adler Wallach & Associates, Inc. (NY)

AWA COLLECTIONS XXXX Account Details ACCOUNT UTILIZATION {$720.00} spent {$720.00} Balance not me and this one also AWA COLLECTIONS XXXX Account Details ACCOUNT UTILIZATION {$1800.00} spent {$1800.00} Balance N/A Limit A credit limit is the maximum balance you can have on a revolving credit account, such as a credit card or a line of credit, that an issuer has agreed to extend to you. 

- Utilization Credit utilization rate, or credit utilization ratio, is the balance you currently owe divided by your credit limit. 

Report Date XX/XX/year> Account Type Collection Account Status Closed Monthly Payment {$0.00}-
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -XXXX does not provide me the opportunity to " dispute online ''. 

On XXXX, XXXX, I became a member through Experian to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- XXXX does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " XXXX '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary ''  Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since XXXX/XXXX/XXXX. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my XXXX XXXX and my life, it is my literal XXXX  during emergencies, and every paycheck is an emergency.
Consumer complaint received 2016-08-31
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (PA)

I took out a home equity mortgage with Wells Fargo Mortgage in XXXX. I have had this repeated issue whenever I pay my bill past the XXXX of the month, but always before the end of the month. They charge a late fee of {$13.00}. They repeatedly have not applied my late fee and keep saying that I owe it. They are putting the monies toward the principal balance. Today after talking to XXXX XXXX at XXXX about the matter he transferred me to XXXX XXXX at XXXX He said as a courtesy he could apply one late fee amount to the unapplied late fees. They now have me down for two late fees. He said they can not do that without further research. I said if brought in my receipts ( because I pay them at the bank due to other issues I 've had with them in the past that I reported when they said they did not receipt payment by mail or online ). He said that actually it is to my benefit to have the late fee go towards the principal because it will reduce the interest. I explained to him I have already paid off a mortgage on this home early and I am aware of how mortgage amortization works. I have also dealt with shady mortgage companies who tried this same trick of saying one was behind due to not applying late fees. I 've owned my home since I was in my XXXX 's in the XXXX 's so you can imagine that I 've seen the patterns before living in a city where predatory lending virtually began. 
So, I am going in to the bank with my payment receipts from the last few months to attempt to rectify this matter today. XXXX XXXX gave me his direct number and fax line. Hopefully this can be taken care of. 
I am complaining because this has been a continuous problem this year. My last calls in the spring rectified the problem at that time. Now just a couple of months later they are doing the same thing. I am sure if this is happening to me it might be happening to others. I trust you will investigate this Wells Fargo practice that I believe violates the Fair Debt Collection Act.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

Today,XX/XX/XXXX, I used XXXX to access my credit reports. 

I am on a XXXX XXXX computer, running mainstream antivirus software, the XXXX web browser, and the XXXX plugin for additional security. 

XXXX and XXXX both allowed access to my credit report without issue. 

However, Experian blocked access with this error : " A condition exists that prevents Experian from being able to accept your request at this time. '' This error is reported online to indicate that Experian disagrees with my use of the security and privacy plugin XXXX
Consumer complaint received 2017-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

Last summer ( I believe XXXX ) I noticed that my auto pay on my XXXX XXXX card from US Bank was making the minimum payment and I thought it was set for full balance every month. I called the bank and they said I could change this online. I made a one time balance payment and then I thought I set up auto pay for full balance each month. The auto pay portion of the web site is difficult to navigate and does n't display which balance pay option you have selected for auto pay, as far as I can tell. 
I just checked my credit report and noticed that they did not make this change, so I have been paying minimum payment the past year, exactly what I called them last summer to avoid. The bank claims I made a mistake in setting up the auto pay, which is certainly possible, but they do n't have any records one way or the other. If I did make an error, I 'm complaining that the US Bank auto pay set up is not transparent and can lead to these types of errors. If I did n't make an error, I 'm complaining that US Bank did not implement my request for full balance auto pay. Either way, it 's very difficult to tell what the account is set up to do, which will lead to these situations.
Consumer complaint received 2017-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (MO)

XXXX XXXX popped back on my credit report without sending me any notifications in the mail. They also failed to report to the credit bureau within 30 days of my dispute from their previous reporting. By federal law they are required to place a " notice of dispute " on my account within 30 days of my dispute. In which I send certified # XXXX. In which was signed on XXXX XXXX,2017. I  have retained a copy of the date and receipt as well as a time-stamped copy of my credit reports, showing a violation of the Fair Credit Reporting Act section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the 30 day period.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

I deposited {$240.00} through the atm to transfer to another account with Wells Fargo. I was showing a positive balance and made the transfer. The next day, I looked and saw that my account was negative because of pending transactions ... I immediately made a {$40.00} deposit. 
Later on the same day, they charge me {$35.00} for the transfer that was made. This is a lie because the bank does not allow you to transfer funds if the funds are not available. This is how they post it : XXXX/XXXX/16 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$220.00} ONLINE TRANSFER TO XXXX CHECKING XXXX {$35.00} XXXX/XXXX/16 ONLINE TRANSFER TO XXXX CHECKING XXXX REF # XXXX ON XXXX/XXXX/16 {$220.00} This is a lie. It is impossible to transfer funds you do n't have to another account. Since they post it incorrectly, the fee is not valid and I should not be charge this {$35.00}. They have an obligation to be accurate and it is not okay for the banks to get away with charging fees on excuses.