davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-28
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC. (IL)

Equifax continues to report a collection account for XXXX XXXX XXXX XXXX for a voluntary repossession that occurred 7 years ago. XXXX logic has failed to provide documentation regarding legal notices or of the reasonable sale of the vehicle despite sending requests certified mail. I have provided Equifax with copies of the letter requesting said documents, copy of the certified mail receipt and the XXXX report showing the sale of this vehicle and they refuse to correct the information. I tried calling the customer service line today and the operator would not let me speak to a supervisor.
Consumer complaint received 2016-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (KY)

I have an item that should have been removed from my credit report. All other credit reporting agencies removed the item after investigating. Equifax did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Equifax reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items. 

Equifax is unresponsive, difficult to get in touch with and only concerned with " Selling '' you a credit report or their online services. 

I need help getting this resolved. I have no confidence in Equifax to resolve this.
Consumer complaint received 2015-07-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Columbia Collection Service, Inc. (OR)

I received a letter in XXXX XXXX from Columbia Collections. It said that I owed money for my ex-husband 's hospital stay in XXXX of XXXX. I told them that it was the first I heard about it, but they said they called me once in XXXX, and I told them that I was getting divorced and was not responsible for my ex-husband 's bill. They said okay and did n't contact me again for ~ 2 years. When I got the letter in XXXX of XXXX and they explained that I was responsible, I paid it right away. I now have a mark on my credit report, which lowers my credit score. I do n't feel that I was notified properly.
Consumer complaint received 2015-12-22
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: COLLECTECH DIVERSIFIED, INC. (IN)

CDI of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX sent a collection notice to XXXX XXXX on XXXX/XXXX/2015 for alleged unpaid medical payments. This notice was void of any mandatory FDCPA language on the notice. Furthermore, not only is the alleged debt over 7 years old ( SOL in TX is 4 years ) but more disturbing XXXX XXXX has been dead for over 2 years.
Consumer complaint received 2016-01-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (TX)

I do not owe any of these depts. The the last two months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, these dept collection agencies keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. These collection agencies keep call me every month, and they spelled out the name and date of birth which were clearly not mine. 
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe. 
These are the XXXX collection companies the file delinguents on my credit reports every month : PHOENIX FINANCIAL SERVICES, XXXX XXXX XXXX
Consumer complaint received 2015-06-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (MI)

There was a fraudulent late fee added to monthly payment. Statement history does not match the information that servicers are giving me. According to information provided by Wells Fargo, the late fee is n't a late fee, but rather accrued interest placed in the late fee section because " there was nowhere else to put it '', despite there being a section for outstanding interest. I was told this was the result of an adjustment and the late fee has nothing to do with XX/XX/XXXX, but was not reflected on my bill due XXXX/XXXX/2015 because the adjustment was done after that date. As I have issued complaints with the CFPB several times about similar issues and nothing has changed with the practices of this company, I no longer wish to deal with this company any longer.
Consumer complaint received 2015-09-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (AL)

I entered a contract with an un named bank when i purchased my 2008 Hyundai Santa Fe. I purchased the automobile at a cost around XXXX The loan then was purchased by Santander without notice until my first bill was recieved. In this time i was going through a very bad divorce and became late with payments. There were also times that I had my vehicle repossessed. I would always pay to get things caught up and tried to make timely payments. Now that i am back on my feet and can make larger payments i have found that I am receiving accrued interest daily and a large amount of unpaid fees and charges. I was never and can never get a answer as to why and where all these charges are coming from. I am trying my best to pay this loan off as fast as i can but with all of these undisclosed charges it is impossible to get ahead. 
Also on my credit report they have placed that my account has been closed and when asked to take it off it still remains. This is very annoying when trying to get other loans and have to explainn why this is still on my credit report.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX and the information listed below, which appears on my credit report, is a result of that XXXX 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. ( XXXX Account # : XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  Documentation
Consumer complaint received 2024-08-15
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. (CA)

I would like to dispute these inaccurate items on my credit report listed below. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. 

XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$1000.00} XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2015-11-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

Have full coverage insurance, paid co pay of XXXX dollar as required be my XXXX XXXX XXXX plan to hospital XXXX at time of visit. Visit was 10 min to look in my ear. My insurance was billed afterwards. Then i got nasty calls from CMRE. XXXX to pay or they would destroy my credit. I explained to them the bill was paid in full. I now see repeat strikes on my XXXX credit reports from them. I would like to take legal action
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XXXX and XXXX I went through XXXX XXXX hardship due to my spouce lossing her job and while I wait for a decision on XXXX. I have been unable to work full time since 2012. I was XXXX payment behind of my Bank of America credit Card. I recived a letter stateing they wanted to help me catch up so I called ( this was at the end of XXXX ) I signed up for a program allowing me to pay XXXX dollers a month which would have been very reachable for me while I wait for a answer. I was told they would not review my information for the program untill I made a payment so they set a payment to be taken out on XXXX XXXX. I noticed that the XXXX had passed and it had not been taken out and I had recived a few calls. I called them on XXXX XXXX and it seemed none knew anything about me signing up for the program. After looking into it they said the payment was denided ( had plenty of money ). I repaid that same day XXXX XXXX. 10 minutes later I got a call from BoA and had to go through the whole thing again. Weeks went by and I started to recive phone calls so I called back again. Once again they were not aware of me enrolling and I had to tell them everything again. The agent said it was still pending becouse they needed additional information and that they only call 2 times and leave no message. I was then told that the interest and late fees would continue to collect. around a week later ( not sure of the time line ) I recived a call from the agent that called me 10 minutes after I paid on XXXX XXXX and he had taken this to his manager and was clearly frustrated as well and told me that that agent could have helped me complete this. 30 days or so had gone by and it was XXXX and I was informed I am XXXX payments behind ( was only XXXX ) and my min due was XXXX and it was roughly XXXX or so at the time I signed up for the program. I tried to call recently to find out how much I owed and the agent couldnt give me a solid answer so I am unsure why they are saying I am XXXX payments behind and how much I owed when I made the payment on XXXX XXXX.
Consumer complaint received 2015-07-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (NY)

I recently received a letter with a refund check from M & T bank. It said " On XXXX XXXX, XXXX, the Consumer Financial protection bureau published an order related to certain M & T free checking and totally free checking account open between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. '' And based on the order, I was eligible for a refund of {$56.00}. But {$41.00} has been applied against the overdrawn balance currently outstanding on the account. BTW, this account was closed in XX/XX/XXXX and I was n't aware of overdraft status. Based on a phone call with a bank representative, this overdraft status was resulted by the charges that the bank was order to refund me ( there was {$14.00} charged four times ) and the account was n't closed properly. I feel that it is unfair that they charged me with unfair charges to begin with, then took the refund away from me due to the overdraft charges resulted by these charges. I called them and they deny any of their wrongdoing.
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MA)

Please see my attached legal action letter sent to IndyMac Bank back on XXXX XXXX, XXXX. At that time, they had wrongfully entered my investment property, changed the locks, winterized the property, boarded windows, and then sent me a bill for all of the work. The property was vacant ( tenant evictions months prior, then then copper piping damage resulted in this vacancy for a few months ). They deemed the property was " abandoned '', which is entirely false! This letter was never addressed, and instead my loan was sold to Ocwen immediately. I am writing now, because come XXXX/XXXX/XXXX, my loan will be converting from a Interest only into a full amortizing 20 year fixed mortgage. At the time in XXXX, I took a XXXX ARM XXXX, with the plan of selling the property within those 5 years. As you can imagine, the market crashed and I am not longer able to sell. I still have not gotten back the equity that was lost. Especially the equity needed to refinance the home as a XXXX family investment. I do not qualify for XXXX, a rate and term refinance or a consolidation refinance. Additionally, I have a 2nd mortgage with XXXX, formerly XXXX XXXX XXXX, which is a 30 year due in XXXX. I have an additional 5 years on this mortgage at 9.75 % until it Balloons on me. With no options to get out of either of these mortgages, due to lack of product or assistance, I feel stuck. I am a mortgage broker myself, and have been for the past 14 years, I can not find an option to get out of these mortgage. I can not refinance and I can not sell. Additionally, because my mortgage license is tied to fiscal responsibility, there are no options for me to short sell, deed in lieu or allow foreclosure. This would all impact my mortgage origination license and ultimately harm me and my family even more. I need help. I need assistance. I am a responsible person with good income, good credit, XXXX children and a career. I have no options, and come XXXX of this year, XXXX, I am going to be put in a situation that I simply can not afford. There are no options out there for people like me who pay their mortgage on time each month, but do n't have the required equity to better their situations. Neither Ocwen or XXXX can refinance me. I have tried to Modify, but make too much money. I have been contacted by companies telling me they can get me a modification, but only If I do not pay the mortgage for 2 months. Im not willing to do this either, as that is not the right thing to do. Please let me know what options I have so I can continue to hold onto this property until I have an opportunity to sell it. 

I have attached a timeline of communications in which IndyMac bank simply refused to take responsibilty
Consumer complaint received 2015-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (SC)

A collections agency EOS CCA offered an resolution of debt authorized by client with a lump sum settlement of 55 %. I paid this to protect my credit. Some time later another company XXXX XXXX XXXX wants the remainder of the balance. I sent XXXX a copy of the settlement statement from EOS and proof of payment with no resolve.
Consumer complaint received 2015-12-18
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (CA)

1 ) I was never made aware by Transworld Systems Incorporated ( TSI ) that they own a debt associated with my social security number. 
2 ) I was also never made aware by Transworld Systems Incorporated ( TSI XXXX that I am able to dispute this debt. This debt is due to identity fraud. 
3 ) Transworld Systems Incorporated ( TSI ) does not operate during the operating hours they have state on their prerecorded phone message ( XXXX ) and website. Numerous times in six months I have called and left voice messages asking for someone to contact me and noone from TSI has bothered to. 
4 ) Five times in the last six months I have requested a fraud packet via written mail and phone message from Transworld Systems Incorporated ( TSI ) and have still not recieved a fraud packet. 
5 ) Transworld Systems Incorporated ( TSI ) may be a ghost compant that does not truely exist or blatantly violates laws pertaining to debt collectors, as evidenced above.
Consumer complaint received 2015-12-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

XX/XX/XXXX we were having trouble making our mortgage payment of {$1500.00} to Ocwen Servicing LLC. The interest rate on our mortgage loan is set at 10 %, so Ocwen suggested we do a loan modification to bring down our interest rate to something more affordable. 
We were asked to send in our XX/XX/XXXX XXXX XX/XX/XXXX income tax returns along with bank statements, pay stubs, and a financial obligation questionnaire. All paperwork was faxed in XX/XX/XXXX. They called in XXXX and said they were missing the XX/XX/XXXX tax return so I emailed it and was told that the loan was under review and they would call in XX/XX/XXXX. In XX/XX/XXXX I was told it was still under review, in XX/XX/XXXX same story ... my loan is still under review. I asked in XX/XX/XXXX if I could make a payment and was told NO that they could not take any money until the paperwork for the modification had been decided upon and completed and was told they would call again in XXXX. In XX/XX/XXXX I am told a decision still has not been reached and they would call in XX/XX/XXXX XX/XX/XXXX I am told they have no decision and will call again on XX/XX/XXXX. On XX/XX/XXXX I am told they are missing the XX/XX/XXXX taxes and will need me to resubmit this and will call me again on XX/XX/XXXX. Again I asked if I could make a payment and was told NO, not until a decision has been reached. In the meantime I am now 6mns behind and am not allowed per Ocwen to make any payments while the interest on my loan and the amount I owe towards payoff continues to rise and my credit score continues to drop as they report to the bureaus that I am late on my payments. I am worried they are pushing me into foreclosure by not moving on a decision and I am not understanding why.
Consumer complaint received 2016-03-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I attempted to use an ATM at the branch located on XXXX XXXX XXXX. in XXXX, AL. The ATM had an error message which stated that there were n't any transactions available. I returned to the branch and requested that the bank cash a check. They refused to do so an indicated that it was a transaction which they were refusing to all consumers and that they would n't allow anyone to take cash but only make deposits. I asked how long the policy would remain in effect and she indicated that it was as a result of computer issues.
Consumer complaint received 2016-02-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bailey Automotive Finance Inc. (SC)

Case number-XXXX.Thank you for taking the time investigate my current situation. Sure I have been late, so when I paid on XXXX/XXXX/2016 and I pay bi-weekly. I made a payment of one payment and as soon as I finished paying that payment. I get a phone call, not from their business number but from that personal cellphone to ask me why did n't I make two payments. To me I would think they use this tactic to get me to answer a call. So why did n't the person that took payment ask or tell me that. Their business ethics is far from professional. They are just money hungry. They also called me to say that my insurance had cancelled, when I just paid my insurance company on XX/XX/XXXX and the payment was due on XX/XX/XXXX, so I had to take time from job call the insurance and they advised me my insurance is up to date and not due again until XX/XX/XXXX and they did n't even contact the loan company to say the insurance was cancelled. I wish for them to Cease & Desist calls from them until this matter is resolved, but would like a record of my payment history after each payment mailed my address.
Consumer complaint received 2016-02-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Comerica (PA)

My entire wallet was stolen in XXXX 2015 and many of my credit cards were used. One of them was my child support credit card, XXXX, which they used {$550.00}. I have sent all the requested information, police report and they are saying the status is " fair hearing '' which means they can take as long as they want to resolve matter. I provided the company with all the requested information and there is no reason they should be holding my monies.