davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I was contacted by this law firm- Linebarger , Zgoggan Blair & Sampson claiming to collect a debt on behalf of XXXX prepaid program, but the issues with the letter they sent me were that : it had the wrong parent company name ( they used XXXX instead of XXXX ), they used the wrong website ( XXXX, instead of XXXX ) they used an account number that was n't mine, and my account setup with XXXX mandates that they automatically reload my account from my credit card, so having an outstanding balance is not possible. My opinion is that this law firm - Linebarger, Zgoggan Blair & Sampson is practicing some sort of fraud to collect money from toll customers.
Consumer complaint received 2015-04-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

My loan has been under 78 % LTV and I have requested in writing twice for Wells Fargo to drop my PMI coverage as the Homeowners Protection Act of 1998 states. They refuse and state I have to have it for 5 years. I have been under 78 % for more than 3 years. They state I have to be under 78 % and seasoned 5 years.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

All the credit agencies reported a disputed phone bill with XXXX XXXX XXXX as current even though it was from 1998. This caused my credit score to fall from XXXX to XXXX and prevented me from leasing a car at a price I could afford. The collection agency for XXXX XXXX XXXX called XXXX did this to force me to pay this old bill that was a billing error. They should not be allowed to falsify information and the credit reporting agencies should be responsible for making sure information is correct.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX, XXXX, I discovered a XXXX account ending in XXXX had been re-inserted into my credit file for a XXXX TIME. This debt was XXXX deleted XXXX under the debt collector XXXX XXXX. It was deleted again under Receivables XXXX XXXX. Now this debt has resurfaced again on my credit report under XXXX XXXX XXXX. Neither XXXX nor TransUnion has notified me within the required five ( 5 ) days of re-inserting this twice deleted item. 

According to the Fair Reporting Credit Act, my rights were violated because I did not receive any such notification. Please delete this item immediately.
Consumer complaint received 2015-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (MO)

We closed on our new home at the end of XXXX 2014. Our title company held money from us at closing to pay for 2014 taxes. When the tax bill came in the mail the title company paid the taxes and refunded back to us the extra money they had collected to pay 2014 taxes. We then noticed in a mortgage statement that our lender claimed to have paid the 2014 taxes. We called our title company and they told us no, the title company had paid the taxes and the title company sent us proof of payment and a refund of the overage they had collected at closing to pay taxes. I have repeatedly reached out to our lender to get this corrected and to no avail it still has not been corrected. I want this corrected and the money put back into our escrow that should have been in there the past 6XXXX months, and ensure we have not been paying interest on an " advance in escrow, '' payment that it states when we log into our account online. Would like this corrected immediately, been trying for over 6 months to get this corrected, been more than patient with this.
Consumer complaint received 2015-05-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (WI)

I am on social security XXXX and when I took out the loan for {$800.00} I did not realize that when the loan was paid that I was paying them {$2300.00}. They knew I was on XXXX and that my income was fixed. Also my XXXX is a XXXX that causes to not understand and know what I am really signing. I paid back over {$1600.00} to them and could n't any more. At the end of every month I had no money or food until XXXX on the XXXX of the month. I even called to make other arrangements but they said no. So I stopped paying them and a couple months ago made a payment arrangement with me for {$99.00} a month. I thought that was the end of the loan but I am still getting phone calls and threatening emails. I tell them I am only about to pay {$99.00} a month but they said even after XXXX monthly payments I still owe them over {$200.00} still. I asked them to send me a statement and they told me they do n't mail out anything it 's done through there website. It tells me nothing or explains nothing. I do n't have a written contract. They said I signed XXXX on line. I do n't know or remember ever doing that. I have explained everything to them but nothing matters. I suffer from XXXX and there phone calls are making everything worse. I do n't want to go back to the hospital and I have no family.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion, XXXX, and XXXX continue to report the account listed as XXXX  Acct # XXXX incorrectly. There are several inconsistencies within the account itself and the information being sold from XXXX is incorrect which has now lead to a civil dispute between the parties. Transunion, XXXX, and XXXX do not have access to my personal financial records and therefore can not legally or lawfully verify information. The only reason each credit bureau continues to state the information is verified is because of the financial gain that each company gains. TransUnion, XXXX, and XXXX are domestic profit companies which means they exist solely to make money. These companies buys information from vendors they rely on to verify information but this information can not be verified unless the consumer verified it. I have done no such thing and no reasonable investigation has been done. There are several inconsistencies within the account like date opened, number of months, high credit, last reported. comments are incorrect, date last active, and date of last payment. Since these items are not the same how in the heck are they supposedly verifying one account three different ways. It is so obvious they are not actually doing an investigation into my claims. Also these companies are clearly ignoring law and when sued denying any wrong doing like XXXX that I am currently in litigation with and their attorney has denied all my claims when clearly the evidence is in their face. These companies can not verify any information because these are NOT people but corporations created to make money by selling information.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion and XXXX are reporting an account that is incorrect. The account in question is XXXX XXXX Acct # XXXX I have previously disputed the same information with Transunion and XXXX and they alleged to have verified the account but XXXX was unable to and removed the account. It is quite clear that neither business can verify the information but instead make claims to have verified the information since from the beginning I have stated that this account was fraudulent. I never signed any contract with this business. This is my last attempt at trying to save us all money before this turns into a civil lawsuit which you will lose because no one will verify this information under penalty of perjury. I will seek default summary judgement because this is my attempt at trying to work this out. XXXX I have already sued you in court and awaiting award.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: POLARIS HOME FUNDING CORP (GA)

I received an urgent notice about my mortgage in an official looking envelop. This was unsolicited and did not indicate that it was a marketing flyer. It refered to 'guideline changes ' and that I was selected for a 'reduction progarm ' which will 'lower my monthly payment significantly. ' This, it turns out was untrue, but assumed they would pay off my fixed rate loan for a variable rate loan, however, the variable rate was n't much better than my fixed rate and did not amount to a 'signficantly lower payment ' compared to my current mortgage. This letter was alarming, deceptive and felt predatory in its design. In the fine print I see that it is a solicitation from XXXX XXXX XXXX and XXXX XXXX ( contact information in the attached pdf file ). I feel their tactics are the type that regulatory reform was intended to eliminate.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Well I have recently been looking into credit score and I have a few things on my score that need to be removed if possible. The three things are a phone bill for XXXX XXXX XXXX, one with XXXX, and one with XXXX. These places are all in XXXX, in and I have never dealt with any of these
Consumer complaint received 2015-12-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (NY)

Missing debit/credit on ledger. I have a Hassle Free Account attached to my personal Checking Account at Key Bank. The Hassle Free account is used by my son who goes to school away from home. My son buys a week long subway pass every week in XXXX. On XX/XX/XXXX he tried to purchase a week long subway pass. The money came off of his debit card but did not transfer to his XXXX XXXX. He alerted the XXXX personnel and they said that they had processed a credit to his debit card. They said that the credit would show up in a few days and that if it did n't we should notify XXXX to get the money back. The charge showed on his ledger as a debit until XX/XX/XXXX and then it just disappeared off the ledger completely. ( He subsequently bought another pass that is debited on XX/XX/XXXX. ) This is extremely problematic and just exemplifies once again Key Bank 's Magical Accounting. If this has happened to my account without any explanation, how often does it happen to others. If a charge comes on the ledger then it either is debited from the account or credited back to the account, but it does n't just disappear. If I did not pay attention to my account as I do, then this might not have been noticed. I have attached statements from XX/XX/XXXX ( this one shows the charge in the pending section and also shows that my son bought another pass on XX/XX/XXXX. that charge was completed ) XX/XX/XXXX that is the first day the charge was missing and XX/XX/XXXX which shows that there is no charge on the ledger. I have documentation of the days in between to show that the item is missing and can supply these if needed.
Consumer complaint received 2024-11-21
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. (MD)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was shocked to see incorrect accounts on my credit report this morning and have no clue how they got there. I checked my credit report as usual, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors persisted. Because of this, I'm asking that the documents I've provided be thoroughly reviewed so that I never have to worry about this again.
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (WA)

I tried sending XXXX letters, XXXX certified in XXXX to the address listed on my Experian credit report. Both items were returned to me and the incorrect address is still listed on Experian. Im unable to properly dispute an alleged collection due to their inaccurate frankly misleading information. Ive attached certified tracking and proof Ive tried to address this issue.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I tried logging into my Bank of America account only to see a notification stating that my account had been closed. I reached out to XXXX XXXX a Bank of America representative thats been handling my complaints with CFPB, I could not get a hold of her. I then call the regular Bank of America number to find out more information as to why would my account be closed. I never did anything malicious on my account, no fraudulent activity, literally nothing as to I could not figure out why would they close my account. The only thing I did was inform Bank of America of a company that fraudulently used my card number to make unauthorized purchases on my account. They denied my claim and never initiated any temporary funds while the claim was in research. I was given a bogus reason stating that too much time went by and I did not make them aware of the fraudulent charges. I made them aware as soon as I noticed these unauthorized charges on my account. Now on XX/XX/XXXX my account is closed as if Im the culprit or had anything to do with money being stolen from my account. Ive gotten absolutely no help from anyone Ive spoken to including XXXX XXXX. Theres no history of fraudulent activity on my account, Ive only ever used my account honestly since XXXX to do nothing more than pay bills, and simple uses.
Consumer complaint received 2015-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (VA)

The J. C. Christensen & Associates , Inc. collections agency located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending a large number of letters to our address. The letters are addressed to XXXX XXXX XXXX who does NOT live at this address. XXXX XXXX XXXX is a neighbor who live across the street from us and just happens to have the same last name. We do NOT owe any debts to this agency, or any agency for that matter. It is an inconvenience to have to walk over to our neighbor 's house and hand over their letters every time we receive them. Finally, my wife took the measure of returning XXXX of these letters to the XXXX XXXX with a request to stop sending them, but the request has been ignored. I presume the agency thinks we are deadbeats requesting a stop to collections activities when in fact we are NOT the rightful owners of this debt. Failure to cease communication upon written request is a violation of FDCPA. We request this agency cease and desist from sending letters to our address. I also have UDAAP concerns about the letters. The letters do not name the creditor and just say " Time Sensitive Document ''. The most recent letters are yellow envelopes inside of a white envelope with a clear panel on the outside envelope, which seems pretty shady. I never open these letters, since it is a crime to open someone else 's mail, but finally did a XXXX search on the return address to identify the creditor. We sincerely hope the CFPB can bring a stop to these harassing letters and change the business practices of this agency for good.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am at a loss of words. Long story short, I signed up with TransUnion to get on top of my credit. I then discovered that someone ( who i actually know ) took out a {$50000.00} loan in my name. Frantic, I call TransUnion, to get nowhere. I cant understand anyone. I asked multiple times to be transfered to a supervisor, and that just did not happen. The people here do not speak english. They are not equipped to handle these situations. They could barely understand me when I tried to give then my social security number, let alone tell the slightest bit of information about this XXXX loan in my name! I have XXXX questions, and the agents there and barely understand what I am saying. I need help. Please. There is fraudulent activity and I am a victim of identity theft. I do n't have any other numbers to call..who else do I go too? I am feeling like i got scammed all over again.
Consumer complaint received 2015-04-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION (CA)

I purchased the car from XXXX Autos who used Lobel Financial for the loan. Immediately after I got insurance they raised the monthly payments. I called them and asked for them to mail my new account balance to me or email it and they hung up on me. I called back they said I have to fax a request. Now I paid to fax my request and they say they do n't know where to send the fax. So I send another fax with the fax number to send the disclosure to and they can not confirm they received that fax. They wo n't let me speak with a superior. I have been getting the run around trying to get the balance owed since XXXX this year. I need to know the account balance it 's my right so that I can pay off my car in full so that I do n't have to deal with this company anymore but they refuse to give me this information. And everytime I call I get different people telling me different things.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

This is XXXX XXXX, and I am directly submitting this complaint with no external parties involved. I have included letters that describe in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported by XXXX, Experian, and XXXX.
Consumer complaint received 2015-08-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Credit Central Holdings, LLC (SC)

Contact people came to my home XXXX visit they used vulgar profanity and I felt that he therend me, essive phone calls to my sister, XXXX man comes to my home very rude therting me I go inside home he stands on my porch yelling very loud that her lives a woman will not pay her bills could hear him all around the street I called law but he was gone before they arrived, I was served to appear in court with no court date then man calls me with news that he filing judgment got throes papers few days ago.This company has broken every collection law against me so much harassment, I need help with this matter, please.
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

i was denied a hamp because the unpaid balance is over the hamp limit, I am only {$14000.00} over the limit of the hamp & also requested to pay this amount towards the principal to allow me to get reviewed thru the HAMP but they did not respond to my request. also they stated that they are unable to reach an affordable mortgage payment based on my income. my gross income is XXXX and that me or the co-borrower have reached the allowable number of modifications. I am at a point that I can afford my current mortgage payment, but I can not afford to pay back what I owe in the past which is over 200 thousand dollars, I want to save my home and I am trying every avenue to do so, however they seem that they are not willing to help me, instead they prefer to go thru the foreclosure process which it will cost them more money to them. I want to stay in my home and I am trying every avenue to do so.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I settled through short sale my first mortgage ( # XXXX ) and second mortgage ( # XXXX ) with Bank of America ( supporting documents are attached ). 
However, Bank of America forwarded my second mortgage to a collection agency called XXXX Mortgage. On XX/XX/XXXX, I sent XXXX a certified letter letting them know that they were collecting on a settled debt ; however, XXXX continues to harass me with letters and has reported me delinquent to all credit reporting agencies. Bank of America needs to update their records regarding my loan and notify XXXX that I have no outstanding payments or delinquent since this debt was settled with Bank of America on XX/XX/XXXX.