davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PR)

On XXXX XXXX, XXXX and XXXX XXXX, XXXX I 'm requesting a reinvestigation of a dispute related to my credit. Unfortunately this dispute was not resolved as provided by law. Only was removed the account XXXX # XXXX****based on the XXXX and the Consumer Financial Protection Bureau ( CFPB ) settlement announced at XXXX, XXXX to resolve allegations that XXXX XXXX XXXX Bank XXXX known since XXXX XXXX, as XXXX Bank XXXX Other account with the same condition of the removed account, XXXX XXXX # XXXX, was not removed. I am also requesting that the information be updated immediately because is not done despite my multiple re investigation requests. This irresponsibility on part of the Equifax caused me several emotional, economic and job problems despite having few rights under the Fair Credit Reporting Act. As you requested, I, m enclosed additional relevant information that support this dispute.The XXXX and the Consumer Financial Protection Bureau ( CFPB ) announced at XXXX, XXXX a settlement to resolve allegations that XXXX XXXX XXXX Bank, known since XXXX XXXX, as XXXX Bank, engaged in a nationwide pattern or practice of discrimination by excluding XXXX borrowers from XXXX of its credit card debt-repayment programs. The settlement resolves claims by the department and the CFPB that XXXX XXXX violated the Equal Credit Opportunity Act ( ECOA ) by excluding borrowers who indicated that they preferred communications to be in XXXX or had a mailing address in XXXX XXXX from XXXX credit card debt-repayment programs. The agreement is a joint fair lending enforcement action by the department and the CFPB and is the federal government 's largest credit card discrimination settlement in history. Federal and State laws require that credit reports must be 100 % accurate, complete, and verifiable. I am concerned that you included the information below in my credit file in failing to maintain reasonable procedures to ensure accuracy in your credit reporting. As you can observe, the information was not properly investigated when I disputed those account in various occasions. Is your responsibility investigate and update the information as I 'm requested in the several disputed that I submitted to your credit agency. 

Another situation with those accounts is that the information reported by XXXX is completely inaccurate, and is a very serious error in reporting. As you can see, the provided information is incomplete or is incorrect. Is contradicts information in several areas of the report.
Consumer complaint received 2016-11-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (IL)

I sent 2 letters to request that the agency, XXXX XXXX XXXX, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].
Consumer complaint received 2016-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (MI)

First off, this is a {$250.00} bill, debt from XXXX, which i 've lost work & could not pay for EVEN that. This collection agency has called " Almost '' every morning right at XXXX, waking my XXXX & XXXX old grandparents. 

Furthermore, i 've spoken with their agents explaining i lost my job ; should be back working w/in 2-3 months, and for them to call back - or i rather prefer to call you back, i will be able to pay on debt then. 

Collection agency is based in Florida, but caller id says " XXXX XXXX, MI, '' this Collection agency is CIRCULATING a New phone # every call now, which seems purposeful harassment, to purposely change their caller ID # or buys multiple 'spoof ' phone lines to, well you can figure it out. 

I 'd made it clear, and was very cordial, straight forward, and doing best to resolve this issue ; at least 4 times I 've explained to them. 

The lady also stated to me " does n't your grandpa or mother have the money for a payment? '' which they HONESTLY do not, barely making ends meet ; not to mention i thought was pretty TERRIBLE of her to suggest!
Consumer complaint received 2017-05-15
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. (MD)

I have contacted The Credit Bureaus numerous times starting  XXXX    XXXX    XXXX  Present advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.
Consumer complaint received 2016-11-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IL)

My home closed on XX/XX/2016. I contacted Loancare ( who the mortgage was through ) at the end of XXXX about any escrow balance. They informed me we had just over {$43000.00} in escrow that was due to us, and that the funds were released XX/XX/2016. We have NOT received any of this money. Yes they have my updated information. I have requested new checks 4 times now and every time I call I get put on hold and they just tell me " the situation has been escalated. '' I have documentation showing how many times I have called, the messages I have left, and the emails I have sent. I hired an attorney to send a certified letter to Loancare, which he did, stating if the funds were not in hand by XX/XX/2016 I was filing a lawsuit. All I got in response was a generic email and NO money. My attorney recommended then that I contact the ILDFPR and they requested I contact you. I have documentation of all of the above and how we have not gotten a refund. Please help me! 

( I would also like to mention that the loan is under XXXX and XXXX. XXXX is my ex husband we owned the house together. When we divorced I went back to my maiden name of XXXX. I have court documentation proving all of this and can provide you with XXXX information if needed, he is aware of the situation and on board with moving forward. )
Consumer complaint received 2016-06-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (PA)

On XXXX XXXX, 2016 I wrote a check to Wells Fargo Home Mortgage for the amount of {$1000.00}. The amount was written out in words on the legal line and also in numbers in the amount box. Wells Fargo 's processing center processed the check for {$6000.00} on XXXX XXXX, 2016, which is an additional {$5000.00}. It overdrafted my account. This is a banking error. I contacted XXXX at the XXXX XXXX, PA bank and he reversed the check. It was resubmitted on XXXX XXXX, 2016. I contacted XXXX again and the same scenario occurred. It has since been resubmitted again on XXXX XXXX, XXXX XXXX, and also again today on XXXX XXXX. Every time I contact them to resolve the issue, they do not. I also contacted the home mortgage company and they told me they would charge ME {$35.00} to stop payment on THEIR mistake. I spoke with an attorney at Legal Aid in XXXX County, XXXX. She directly spoke with the bank manager XXXX at XXXX XXXX and he told her it is just a " bandaid '' effect and what he does only lasts for 24 hours. Therefore, it continues to happen over and over. I am beyond frustrated, want to close my account and ca n't because I have no money available, and I also can not get groceries or my XXXX daughter 's XXXX because every time I go to the store, my account is overdrawn and I can not access my fund. No one seems to care, at all, that this is happening. No one resolves the issue. I need legal help and also to file this claim because this has to stop NOW. I am a recent widow on social security and my social security is going to be affected. I 'm also receiving notices in the mail from all the companies I had automatic payments coming out of who I will now have to take the time to argue with to not charge me their overdraft fees and not affect my credit score. Once the credit score is damaged, it 's damaged. There is no reversing that. This is ridiculous!!!
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am unsure if this is the right department to be contacting, but after applying for a job, I received a copy of a background report from Transunion stating that I have a felony on my record. XXXX. This is not me!! The report stated that I have a right to dispute inaccurate information and offered a generic link to consumerfinance.gov. So, here I am. Please help!! Thank you.
Consumer complaint received 2016-11-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

According to the Dodd-Frank Act of 2014, Ditech Financial, LLC could be in violation for not providing me my final mortgage statement showing how the payoff was applied, ( i.e. how much was applied to principal and how much was applied to interest, etc. ). 

My record indicates that there was a total of {$96.00} overpaid on this account. Unless, Ditech Financial, LLC provide me with my last statement, there would be no way for me to know if the payoff they had provided to XXXX XXXX XXXX is accurate. I was informed by them that they do not provide the last statement, but a letter informing me that my account is paid in full.
Consumer complaint received 2017-01-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (CA)

Central Credit Services continue to harass me over a {$100.00} balance owed on a workers comp claim. Work Comp has already said they are going to pay it. 
They do n't want to hear it. They keep insisting it 's my debt and give them my debit card or credit card so we can not have a further problem. They threaten to ruin my credit and continue to harass me all the time. They are ruthless.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Was not able to get my annual free credit report on-line from XXXX, because the identifying questions did n't have anything to do with me. I did not live in any of the listed counties, or have any of the listed phone numbers. I believe the XXXX of the XXXX agencies that stopped the process was TransUnion, but I 'm not certain. Evidently someone has wrong information associated with my name and SS #. How can I get it corrected? Thank you.
Consumer complaint received 2016-09-12
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Specified Credit Association, Inc. (IL)

I have advised XXXX XXXX with Specified Credit to cease and desist. However, she continues to call me and leave voice messages. I do not have an account with Specified Credit. I have never done business with specified credit. Therefore, they have no right to have my personal identity information. On the last call I accepted from XXXX XXXX, she was so aggressive and rude that she quickly began discussing the account she was calling about without even stating the collection mini miranda. When I advised XXXX XXXX to stop contacting me, she told me she would call me whenever she wants to. I have never done business with Specified Credit. I have never authorized any business with their company. This company does not possess the right or legal authority to contact me or remain in possession of my personal information. I am requesting that this company not be allowed to sell my personal information to disguise their violations. XXXX XXXX has also contacted friends and relatives of mine, who told her to stop calling their phone as welI, and she advised them also that she will not. She has continued to contact them ... .I DO NOT WANT SPECIFIED CREDIT, XXXX XXXX CONTACTING ME. ONCE AGAIN, I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. Very, very, rude representative who has no clue of the FDCPA laws.
Consumer complaint received 2016-11-26
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (LA)

My American Express Serve Prepaid card has been duplicating charges since XXXX/XXXX/2016. I did n't notice the issue until XXXX/XXXX/2016. I am now in the negatives in my account and American Express has not fixed the issue. I am traveling out of state and to have this issue because of American Express and to not be able to reach anyone with customer service is extremely unprofessional. I want the charges taken off of my account and my original balance restored.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (UT)

On a purchase made from a company in XXXX, Citi visa charged a " Foreign Transaction Fee '' of XXXX % and an additional increase of XXXX % in interest rate. I was not notified of these charges and learned only when they showed up on my bill. Neither was the increase in interest rate disclosed.
Consumer complaint received 2016-10-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

I tried to make a purchase on XX/XX/XXXX from a specific website. The website is XXXX based so my account was immediately blocked. The transaction timed out and did not go through from the website. I did n't receive a receipt or confirmation so I went online to my bank account to check and saw this : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/2016 PURCHASE XXXX XXXX {$88.00} The funds are in pending status. I called Wells Fargo Claims XX/XX/XXXX and spoke with a rep who said that there was nothing he can do about releasing the funds because it is under Pending status. He advised to call the company to have them release the transaction. 

I emailed customer service at the company and this is their response : Hi dear XXXX Thank you for contacting the XXXX. 

Unfortunatelly we do not find any information in our system with the email : XXXX. Can you please send us a proof of the payment? 

I am very happy to help! 

Kind regards, XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXXXXXX The company above does not have phone customer service. I provided the transaction details through copy and paste like the above to the company 's rep in response to them. Still waiting to hear back. 

I tried calling Wells Fargo Claims department directly since that time XX/XX/XXXX. 3 days has passed since I tried to make the transaction and I 've had to wait up to 20 mins or longer and have been unsuccessful with getting anyone on the phone. The Claims department at Wells Fargo is unwilling to release my funds back to my account and there is no way to reach them. I 've tried calling 4x now and each time waited 20+mins and no one answering. This is unacceptable service from a large bank.
Consumer complaint received 2016-11-25
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services (OH)

Debt collector verbally abused me, called me XXXX and used inappropriate abusive language to myself, my husband and left threatening abusive messages on my neighbors and family members answering machines. Threatened to sue me and threatened legal action if debt not immediately paid. Made unauthorized debits to my account
Consumer complaint received 2016-06-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Over 2 months ago USAA put a security freeze on my account. I have called in a total of 5 times concerning this, and the last 2 times, they have said the issue was resolved. I still can not login to USAA.com " for security reasons ''. I just want my accounts unlocked at this point so I can move them out of USAA and to a better, more responsible bank.
Consumer complaint received 2016-05-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I had already settled the Debt with XXXX XXXX, 2013 Authorization to XXXX XXXX XXXX, NY, Completed Details - {$250.00} XXXX Merchant : XXXX XXXX XXXX, XXXX XXXX XXXX NY, Purchase Date : XXXX XXXX, 2013 Authorized Amount : - {$250.00} XXXX Authorization Date : XXXX XXXX, 2013 Time : XXXX XXXX Status : Completed XXXX XXXX XXXX XXXX XXXX But PORTFOLIO RECOVERY SERVICES of XXXX XXXX XXXX. XXXX. VA XXXX Phn : XXXX XXXX XXXX XXXX XXXX is trying to collect the same debt again .... 
Says they bought it from company called XXXX
Consumer complaint received 2017-02-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Chaparral Inc (OH)

Good evening team, I 'm filing a complaint on behalf of XXXX and since I co signed on the loan I feel the need to let your agency know how we are being treated. My wife lost her job XX/XX/XXXX due to health reasons. We continued to pay North coast according to our loans terms all the way through XX/XX/XXXX/ XX/XX/XXXX of this year until it became impossible to keep up with the loan term due to us losing an income and having XXXX children to cloth and feed and provide housing and on top of all the medical bills. XXXX, decided to do a voluntary repossession around XX/XX/XXXX/ XX/XX/XXXX some time after agreeing to do this with North coast they told us once the sell vehicle they will call and set up the remaining balance to pay monthly and drop the interest rate to XXXX %. XXXX, heard from Northcoast from the time they came and picked up the vehicle until they pending auction sale and they told us we had to pay {$150.00} to keep our account current and XXXX paid the {$150.00} and that 's the last I heard from Northcoast until Monday XX/XX/XXXX when XXXX called me and demanded a payment because we agreed to make a payment on XX/XX/XXXX ( XXXX to me ) the last I heard was that we were waiting for them to apply the amount they received from the auction ( if they sent something somewhere I never received anything. On the XXXX when they called me at work I was threated by XXXX to make a payment by the XXXX or else. She threaten to send my loan to their legal department. Caught me off guard because I thought we were waiting to finalize the new terms with the minus auction amount. XXXX customer service to say the least is not how a consumer should be treated when we are willing to settle the balance. I just feel getting threating calls at work is not acceptable and embarrassing for me at my employer where I hold position where I lead. I want to pay the debt but the threats is uncalled for. I even offered to pay the amount due on my next pay on XX/XX/XXXX to avoid any issues. I just want Northcoast to be transparent in regards to what monthly payment is due and how much because I was never informed and I ca n't speak for XXXX. If you want to hold me responsible I need to be informed what is owed and not be threaten to be sent to their legal department. I offered to pay on XX/XX/XXXX but they refused.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

This dispute and investigation is for Equifax Credit Bureau. I had XXXX accounts with XXXX XXXX XXXX as a XXXX in college. These cards were opened at separate times, XXXX in the XXXX XXXX and the other in XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. Equifax has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with Equifax that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. Equifax also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX Equifax reported the same XXXX accounts as being current late payments that went from 30 days, to 60 days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can Equifax not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they BOTH be removed once and for all! I am also disputing the fact that they have XXXX reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed Equifax keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!
Consumer complaint received 2024-11-23
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.