davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as XXXX inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX, RI the XXXX I used ), XXXX XXXX, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NY)

This seems to be the only way you can respond to a response about an ongoing complaint I have read the response that was supplied to you by Wells Fargo. 

I have a number of issues with their response the first being they are asserting that I agreed to a 15 years mortgage over the phone, yet did you ask them to play this so called recording of my original conversation with them with my agreeing to this? I did and they refused to play it. I feel you should ask them to play it and if they do and they have not doctored it you will hear exactly what I have been saying all along that not only did n't I agree to anything I also asked if I signed the " The Request To Terminate Future Advances '' Sheet that I would not be bound to any mortgage. I was told yes I would not be bound to any program as you will hear on the recording. If they refuse to play it I think that speaks for itself and they should be found guilty of fraud. 

The second issue is I never received the letter dated XX/XX/2016 which supposedly was sent to me. The only letter I received in the mail during that time from Wells Fargo was the form to sign which I was told was to get further information on programs available, the form being " The Request To Terminate Future Services ''. When I asked XXXX XXXX when would I have received that XX/XX/XXXX letter he told me along with " The Request To Terminate Future Services ''. I did not receive that letter because it was never sent and if you look at the bottom of " The Request To Terminate Future Advances '' it says Pg 1 of 1. So if the letter of XX/XX/XXXX was sent with it I would think it would say page 1 of 2, with pg 2 being the letter or viceversa. 

It is common knowledge that Wells Fargo has taken the liberty to scam the public in a variety of ways. What has happened to us there is just no excuse for and it is criminal. To lie and try to manipulate people is wrong and we hope you require them to produce this so called recorded conversation.
Consumer complaint received 2017-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northland Group Inc (IL)

I had a settlement agreement with  Northland Group  #  XXXX , ( A   XXXX   XXXX   account #  XXXX  ) I paid my debt and have cancel checks, and numerous of times since  XXXX     2015 have  call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.
Consumer complaint received 2016-08-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OR)

Back in XXXX, I have started with assisting a client with the process of his short sale. From the very beginning I have advised the servicer that there are additional non traditional liens on the property but I feel that the negotiator has either conveniently ignored my warnings or did not understand them. It has been 10 months and I feel they have stretched this file out needlessly and have added on XXXX extra months of city fees to the additional liens and there was no real cause for this as I have outlined everything for them initially, but their internal department refused to listen to my comments/suggestions. 
There seems to be no end in sight. And the buyer/seller is feeling very uneasy about the whole transaction.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I have had REPEATED issues with EQUIFAX and seems to be a pattern of negligence or abusive intent. I submitted a dispute referring to my XXXX account that had a leading " - '' which was unnecessary or inaccurate and ambiguous, and in NO way did I phrase the validity or whether it should appear on my report. EVERY instance of EVERY dispute I have filed has NOT been adequately/sufficiently/properly/appropriatelyrelatively addressed. I demand accountability. I will be contacting every other govt agency and filing civil action to FINALLY hold this FOR PROFIT institution ACCOUNTABLE for their imprudent handling of consumer disputes for the sake of GREAT FINANCIAL GAINS TO THEMSELVES AND THE CREDITORS. I will also hold the CFPB accountable for ANY AND ALL actions that prevent or interfere with this objective, including the disabling of my account, which has been already done!
Consumer complaint received 2016-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RS Clark and Associates, Inc. (TX)

I have repeatedly disputed an account listed on my credit report as not being my account. I have submitted numerous requests to RS Clark for validation of the debt and have not received validation. This is a collection account for an apartment complex. I have never entered into a lease with this apartment complex and I have asked RS Clark to see a copy of the lease I allegedly signed. They have not been able to produce said lease in almost a year of communicating with them. In fact, RS Clark has recently closed this account because they recognize they can not validate it. However, the account needs to be removed and not just simply closed. Please remove the invalidated debt or I will have no choice but to file a complaint with the Federal Trade Commission. Thank you.
Consumer complaint received 2016-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

XXXX $ has been put on my credit dating back to 2013 from an apartment in which i did not live or have a lease at. I disputed this a few years back and it was taken off my credit, all of a sudden a few months ago it is back on and XXXX wont get back to me on all the disputes ive sent in. This is ruining my life and i owe this company nothing.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I had been wrongfully billed from a hospital because of failur of service at an emergency room. We had to go back to the emergency room for the same service the following day and disputed the bill with the hospital. The hospital then gave the outstanding bill to a collection agency. The hospital closed the account and the collection agency was informed but proceeded to to report it on my credit report instead of closing it on their end. Accoriding to Experian the account was closed from the collections agency but my credit has not gone up since the results.
Consumer complaint received 2016-07-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (PA)

In XXXX XXXX I got an auto loan from Susquehanna bank. After making several payments, Susquehanna sent an incentive to " skip a payment " for the holidays. I paid the {$30.00} fee ( interest payment ) and was everything was fine, my next payment was due the following month. I continued making my payments. Fast forward to XXXX, when BB & T buys Susquehanna. I begin receiving letters that I 'm behind on my car payment. Then my credit is hit 3 times in a 90 day period, saying I 'm delinquent 90 days. The local branch shows all my payments are current but corporate is showing different. Because of the buyout, I can no longer access prior bank statements, only corporate can. I was told by local branch it was a bank error and they would be in contact to fix everything. After a few days with no phone call, I called the collection dept that keeps sending letters. I was told because BB & T does n't do skip a payments, they do n't honor them, even though Susquehanna offered these. So I was told they will continue to hit my credit and send letters til it is brought " current ". How is this legal? This was an incentive offered by the bank BB & T bought. At this point, it 's looking like I 'm going to have to get a lawyer involved.
Consumer complaint received 2017-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TekCollect Inc. (TN)

XXXX calls everyday more than 10 times per day. When the phone is answered by an employee XXXX is very abusive and derogatory. He calls me a XXXX woman with no manners. That I am XXXX and can not add or subtract. He even asked me if I was alive during the day when I would not answer a question I did not know the answer too.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MO)

This instance is regarding an access inquiry made by XXXX, XXXX to my personal financial information on XXXX/XXXX/2016. I immediately contacted XXXX regarding the inquiry since I have not applied for any new credit and have no active accounts with them. I held a previous account with them which was completely dissolved several years ago and have no standing debt issues outstanding with them. Upon contacting XXXX, they informed me that they had no record of making the inquiry and that there is no new account that had been opened. They would have to send a letter requesting them to remove the inquiry. I have disputed it with Equifax and am awaiting a response. However, from the looks of internet info, there are apparently a lot of individuals having unauthorized inquiries made to their confidential personal financial information by XXXX. Do you have any information regarding any ongoing investigations with XXXX regarding these types of unauthorized inquiries to personal financial information? Also, would you be willing to investigate this unauthorized inquiry made by XXXX to my personal financial records?
Consumer complaint received 2017-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion refuses to comply with the FCRA and has not blocked the reporting of a fraudulently opened account. Both XXXX and XXXX have removed this account and have complied with FCRA 605B ( 15 U.S.C. 1681c-2 ). Transunion has ignored letters i have sent along with proof  of address and signatures showing that this account is not mine. The account reporting on my credit file by XXXX XXXX XXXX is a fraudulently opened account and as per the FCRA must be blocked from reporting on my file. I have included a copy of the correspondence sent to Transunion as well as the FTC Identity theft form as well.
Consumer complaint received 2016-07-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

This company is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
Consumer complaint received 2017-05-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (CA)

I had been getting these phone calls constantly from a number in Illinois. I am on the national do not call registry, so l never answer these. I was getting angry, so l answered it and asked who they were and why were they calling me constantly. They had my name and Social Security  Number. Th e said they where from  ARA Inc.  - Asset Recovery Associates and they were trying to settle a debt on a credit card from 18 years ago. I owed about {$2300.00} and they were settling for {$920.00}. l was very suspicious and questioned them every way l could think of. They seemed to have all the right answers. I had the money and decided to pay the debt off by debit card over the phone. They were going to overnight mail my confirmation letter with my release of liability. After 2 days it did not come. They told me to fell free to call if l had any questions @  XXXX   XXXX   XXXX   XXXX . I did and it rang funny and never connected. The transaction over the phone happened  XXXX   XXXX ,    2017 and the  first phone call back was the  XXXX  of  XXXX .   On the  XXXX , a  XXXX   County Sheriff s howed up at my door and told me that my confirmation letter was mailed to someone else who a few weeks earlier was scammed by this same company for credit card debt over  15 years old . Her name is  XXXX  and can be reached @  XXXX   XXXX   XXXX   XXXX . My letter was addressed to her with my information on the letter head.   This company collects your old debt for themselves. Who knows how many $ millions they have taken from people?   I would like my money back if it really did n't clear my debt. L have pictures of the documents and times and dates and names of all the people fr om ARA Inc. l   spoke with. Thank you.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assurance Professionals LLC (FL)

I was contacted by Consolidated Recovery Systems regarding a billing for which I had no knowledge. When I inquired, they stated it was a debt to XXXX XXXX XXXX XXXX. I had never received a copy of the bill. I requested they provide one. The bill they sent included my name but a random address unrelated to me and did not include any details for the billing. I instructed Consolidated Recovery Systems to stop contacting me. I called and wrote XXXX XXXX XXXX XXXX requesting a detailed bill and providing my correct address. They have not responded, but Consolidated Recovery System continues to violate my instructions by calling and attempting to collect a debt.
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SKO Brenner American, Inc. (CA)

Hi, I received a letter from SKO BRANNIER AMERICAN XXXX XXXX ) regarding a medical bill due from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. This letter states failure to respond, yet they did not have my apt # on this letter, i was given this letter from my neighbor. How can i respond if they do n't have my full address? I have sent letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$580.00} they say that i owe them .... They dont respond and make me wait on hold when i call them ... They are quick to overcharge the patient and refund after the fact, as this occurred often. My Doctor left XXXX in XXXX of XXXX and i followed him to his new office, i actually had a balance of over payment ... they are notorious for over charging their patients, but i paid as i needed medical attention so i did n't question it. XXXX mailed me a check in XXXX of XXXX for approx {$300.00}. and then a year later, i am getting bills saying that i owe them {$580.00}, yet no back up they can provide and fast forward to XXXX - i am now getting a letter from this bill collector in New York. How do i go about this problem and get this resolved. I 'm going send another letter to XXXX and now the bill collectors, yet i feel this is so wrong and need an advocate as i get too emotionally wrapped up over the phone and feel they will ding by credit. Apologies for the sound bites of information- happy to provide more details. Thanks in advance for your help / assistance, much appreciated. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TX)

I have been receiving collection letters from a collection agency called " Ad Astra '' for a debt that I have not availed ( from XXXX XXXX ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. 

This debt has been reported to credit rating agencies and is severely impairing my credit score/history. 

I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. 

I would urge you to investigate both Ad Astra and XXXX XXXX as to the origins of these collection letters.
Consumer complaint received 2024-10-08
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2016-11-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc. (NY)

Clear Spring Servicer my loan for XXXX XXXX at closing the balance due XXXX approximate and escrow amount XXXX approximate ( see attached ) Clear Spring online services allow you to see what is owe, escrow, tax and ( See Attached Payoff ) etc, The The approximate payoff would be XXXX returning the escrow money. XXXX XXXX said that the online services balance owe is a approximate. They changed pay off to XXXX approximate to pay XXXX XXXX XXXX me the borrower XXXX and there is no check in the mail. XXXX is the new lender so they paid the XXXX but the `` COUNTY '' still have XXXX XXXX as a lien on my property ( complaint will be made today on XXXX XXXX ) XXXX said that 's an issue to be resolved by Clear Spring ( case number complaint for XXXX XXXX ). I request XXXX to changed of Loan Servicer but was denied! Now my new lender to payoff XXXX request payoff and again Clear Spring changed the payoff from XXXX to XXXX, XXXX has a interest only loan but still waiting for signed closing documents and penalty for early payoff. Clear Spring charged owe interest and XXXX wo n't response to it correctness. Clear Spring owe me extra XXXX ) at closing totaling XXXX. And a paid account with XXXX XXXX still showing lien on my property. New lender Title company is trying to resolve the issue but XXXX XXXX and XXXX wo n't help or resolve the issue they both demand us to contact CLEAR SPRING.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I paid in full and closed a credit card account with XXXX Bank. Now as of XX/XX/2016 they are reporting it as 60 days late. How can a closed account have a status of 60 days late. 
I contacted the bank and credit bureaus with NO resolution
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX 2016, XXXX 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX ....
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have XXXX names on my credit report same peron just XXXX different names ... also weong address reciently moved maybe 4 months ago ... and also it says i have no employment info but i work full time and have been for the past few years