davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a XXXX in the XXXX Co. Post Judgment Team - who confirms that the court records reflect XXXX XXXX XXXX plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, XXXX, and Equifax has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all XXXX credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a physician - the reason I was even in the aforementioned rental property - and I am trying to run my own business. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. Equifax just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (TX)

XXXX 2017 Wells Fargo rep XXXX XXXX submitted a refi plan for my home. He stated that the closing costs would be $ XXXX less than what was on the quote. He said that Texas had a rule allowing a max of 3 % of the loan amount in fees but regulations would n't allow him to reduce the fees in the beginning but the closer would update and show the 3 % correctly. XXXX would n't return my calls or e mails so I contacted his supervisor, XXXX XXXX -- -and he told me that he could n't do anything about the 3 % but that he would refund my appraisal fee of {$530.00}. I told him several times that I wanted that in writing and he finally sent me an email in XXXX stating that he would return the appraisal. Nothing after that. 
I received an email from XXXX XXXX VP of Well Fargo National Retail Sales -for a survey -- I responded with all the info and e mails sent to XXXX XXXX XXXX Executive Resolution. I keep getting letters from her delaying the solution. so I decided to contact your organization.
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A. (AZ)

COMPANY CONTINUES TO CALL BUSINESSES AND RELATIVES TO COLLECT A DEBT I DO NOT OWE. CALLS UPWARDS OF FIVE TIMES A DAY, NOT INCLUDING T HOSE CALLS TO BUSINESSES AND RELATIVES. REGARDING A DEBT I DO NOT OWE. THESE CALLS NEED TO STOP. THEY ARE THREATENING AND RUDE. THIS BILL IS NOT MINE, AND IS YEARS OLD, NO LONGER COLLECTIBLE LEGALLY. THESE EFFORTS CONSTITUTE FRAUD AND ARE ILLEGAL AND MUST STOP.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (OH)

I got the papers that cfpb sent me on what chase said where the did nothing wrong well got news for them yes they did. the women that I talked to about the modification said that I would have to stop paying them if I wanted the modification if they wont to do the right thing they will see that we never missed a payment. fore a lot of years and i would n't have missed any if it were not chase tailing me to stop paying them to get the mod. and if they would check then they will see that it has been recorded because every time that I talked with chase they would say that this is being recorded for training purpose if it was not done away with it they will find it. I do n't thank that I would pay all that money and then let someone have it don.t thank so. I was cheated out of it just because no one would help I will send you some papers XXXX I did not need the mod and I wish that I never heard of it then we would have XXXX fine the house would have XXXX paid for by now. but thanks to chase they cost us a lot over this my health money and I wont my house back that you stole from us and you can pay us
Consumer complaint received 2016-03-08
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TN)

This debt collector represent an auto insurance company. The insurance was cancelled before the next billing date. They insist that I owe them a bill. When they called, I tried to explain to them that I did not owe the payment, the caller had a rude and out rate attitude. Later I started getting harassing phone calls where they would call me and hang up when I answer.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Where to begin, stuff with Equinox just keeps getting worse. After pulling todays report, Equifax has broken the law so horribly I seriously pray the CFPB sues them. They have done the most nonsensical and illegal activity one can imagine and I am glad I have proof. 
They had received my ID Theft report, Police Report and all originals when my SSN was first stolen and misused in XX/XX/XXXX. They hesitated but none the less blocked XXXX Fraud Student Loans, Inquires that I never applied for, and other accounts. Ironically a XX/XX/XXXX closed XX/XX/XXXX XXXX XXXX XXXX account that was Paid on time and in good standing they deleted purposely as the facts and reports i attach will prove. None the less the reports are so filled with inconsistencies like fraudulent addresses, accounts, and timelines that make absolutely no sense. They EVEN REMOVED MY FREEZE THAT I AM ENTITLED TO UNDER STATE LAW. ONCE A CONSUMER SENDS A COPY OF HIS OR HER ID THEFT REPORT AND POLICE REPORT IT IS REQUIRED THEY DO SO. Now I have a plethora of reinserted ( and never told why or how they came to that idiotic position ) accounts, inquires, and as a form of retribution XXXX positive never disputed old but not beyond the SOL accounts DELETED. Please look closely at the evidence I upload, and the corresponding dates, you will quickly see NONE OF IT MAKES SENSE NOR ADDS UP. EQUIFAX IS IN CLEAR VIOLATION OF FACTA AND FEDERAL LAW.
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My mortgage was purchased last year by SPS ( Select Portfolio Servicing ) from XXXX XXXX. Prior, I used to pay approximately {$250.00} per month in excess of my contractual obligation, and per the terms of a loan with no prepayment penalty, any payments in excess of the contractual amount are posted to the principle amount. In the future, I intend to make considerably more " over '' payments. On my most recent statement, SPS notified me that unless a full contractual payment is made, any overage would remain in " in-posted '' status until it builds to a full contractual amount. As my contractual amount is approximately {$5000.00}, this indicates that I could pay {$500.00} over, but nothing would post to my account for nearly a year. This is a violation of the loan agreement and creates an over charge for interest. Based on my conversation with SPS, I believe this is a systemic issue for any payment overages that come as payments outside of a single monthly payment ( i.e. if I pay {$500.00} mid month every month, they would only hold it in escrow, if I pay {$500.00} over on an end of month payment, it would post to principle ). I believe any party paying unique separate payments on top of contractual are victims of this misallocation and over charge of interest. I was told because this was a " conforming '' loan, the payment allocation was at their discretion. Not sure how conforming status impacts the legal payment hierarchy.
Consumer complaint received 2016-03-08
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

letter Sent XXXX XXXX, 2016 XXXX XXXX - CEO XXXX XXXX - CEO, US XXXX XXXX - CEO, International Wal-Mart Stores , Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subj : Money Laundering by Walmart partner, Moneygram Payment Systems XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Gentlemen : We 've never met, but I 'm taking the time to write this letter on behalf of a customer, in the hope that you personally, and not just administrative staffers, will become more aware of the blatant fraud and money laundering activity occurring daily via Walmarts via Moneygram Payment Services. 

This story relates to my mother, XXXX XXXX XXXX of XXXX XXXX XXXX, age XXXX, for whom I have registered FPOA. Last week my mother was the unfortunate victim of a phone and internet fraud involving the loss of nearly {$8000.00}. Walmart was not strictly at fault in the several transactions that originated at your XXXX XXXX XXXX store via Moneygram. But nevertheless the transactions were fraudulent, aided and enabled by Moneygram, operating out of your store. 

I wo n't take the time to relate the entire sad story here. Suffice to say that via phone and Internet, my mother was induced to send cash via XXXX Moneygram transactions, to an unidentifiable name in XXXX. 

The Moneygram transactions, reported to law enforcement, were as follows : XXXX XXXX, 2016 XXXX {$1500.00} XXXX XXXX, 2016 XXXX {$1900.00} XXXX XXXX, 2016 XXXX {$1900.00} XXXX XXXX, 2016 XXXX {$1900.00} The series of incidents was first detected yesterday, XXXX XXXX. There is a XXXX XXXX XXXX police Theft report, # XXXX, and an FBI complaint, XXXX. It 's obviously quite embarrassing for my mother, but despite that we reported it to the appropriate authorities and are taking additional steps. 

I hope this letter has an impact on someone 's day at Walmart. Feel free to contact me at the address below. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Cc : XXXX Department of Commerce Division of Financial institutions XXXX Consumer Protection Financial Bureau www.consumerfinance.com FBI
Consumer complaint received 2016-12-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: NAVY FEDERAL CREDIT UNION (MA)

After reading the article that I attached the hyperlink below, I 've realized of the many illegal actions that Navy federal Credit Union took against me during my time in the XXXX XXXX. Prior to me closing my accounts out of pure frustration with them, I received several letters threatening to contact commanding officers. This threat alone would have put in a situation where I would n't have been able to lead the men and women below me and likely end my career. I also was locked out of an auto loan, causing it to go over the 30 day late mark, even though I had called and paid it. 

Hyperlink below : XXXX
Consumer complaint received 2016-12-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants , Inc continues to call my phone XXXXXXXX times a day trying to collect a debt that is n't mine. I asked them to mail me a certified return-receipt validation of this debt so I could contest it, and they refused. My attempts at explaining this situation to a supervisor were dismissed out of hand, and I was told to pay up or they would continue calling me.
Consumer complaint received 2016-03-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WELLS FARGO & COMPANY (FL)

I must start by saying this has nothing to do with my current mortgage. I 'm submitting this claim regarding my Home Equity Line of Credit. I know when I filed with Wells Fargo, to assume the mortgage note, I also filed to assume the Home Equity Line of Credit also as this was made knowledgeable me. The Equity Line of Credit was included but is not being acknowledged by Wells Fargo as of date. I filed chapter XXXX bankruptcy with the United States Bankruptcy court ( case number XXXX ) XXXX of 2013. Throughout the case, I 've received numerous correspondences regarding any adjustments to payment for which I 've have complied. I 've contacted my bankruptcy lawyer whom stated we did not file/ or included the Home Equity Line of Credit in the payment and that we needed to file which again will cost {$1800.00}. I 've also contacted Wells Fargo and to no avail I 'm back at square one. The Bankruptcy court documents states otherwise. In addition to this, my Home Equity Line of Credit statements which I 've been paying for, still has my ex-husbands name on the statements and it has been going to my ex-husbands address XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. But I 'm still paying for it. Changes have been made to my mortgage but not in its entirety regarding the equity line of credit.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 'm a XXXX year old male, I applied to live at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX Prior to applying I short sold my, home, so my credit reports, FICO score was very low, in the XXXX range. Now keep in mind, prior to applying, I lived in my home for XXXX years, now bankrupties, eviction, criminal record, and after the sale of my home I am DEBT FREE. 
But because of a low FICO SCORE, I was declined residency in XXXX XXXX XXXX. 
I call this DISCRIMINATION BY FICO SCORE. But lets call it what it really is and will become known as, DEATH BY FICO SCORE. 
Remember when HMO 's were not treating there patients, and many died, that was known as DEATH BY HMO, well this is the next to come " DEATH BY FICO SCORE. '' YOU MUST DO EVERYTHING IN YOUR POWER TO STOP THIS WAVE FROM HAPPENING. 
The private sector, is putting billions in advertisements to give the FICO SCORING SYSTEM more VALUE in OUR lives, SO WHATS NEXT?? 
You what to take a vacation, SORRY YOUR FICO SCORE IS TO LOW, YOU CA N'T LEAVE THE STATE. You want to go to a restaurant SORRY YOUR FICO SCORE IS TO LOW, AND ON AND ON. 
You must fight with all you power to ABOLISH THE FICO SCORING SYSTEM, XXXX IS THE COMPANY, THEY ARE ABOVE THE LAW, AND CHANGE THE RULES OF HOW FICO IS SCORED, FIGHT TO ABOLISH IT NOW Thank you.
Consumer complaint received 2016-03-07
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Talbot, Adams, & Moore, Inc. (OK)

I settled the balance with this company ( which I might add took hours ) They requested that I put the money owed to them on visa pre-paid cards which I did. The manager emailed me a letter showing that the balance was paid and I didnt owe anything. Now, I look at my credit report and it shows that I owe them less than the original balance which I expected to see a number there since we settled but thought it would say " Closed '' but it doesnt it is still open. So, I called. They said I would have to talk to XXXX since he is the one that took my payment. XXXX came on the line. I explained the situation and he mumbled. He didnt have an explanation. He kept dancing around my question and interupting me. He contridicted everything I said. He was huffing and puffing. Sighing constantly. This frustrated me a great deal especially since there was already a language barrier on his end. I could hear him whispering and then people laughing in the background and then I became upset. I told him that I didnt understand and I didnt want to call him back if I had more questions because my first question still hasnt been answered. He said " OH MY GOODNESS '' and he hung up on me!!!!! Im not sure what to do at this point. Im positive I can get my question answered from someone else there. But when I call they say I have to talk to him. I refuse to talk to someone who treats people this way. He is supposed to be a professional!!!! Hanging up on me?! This is ridiculous!! I am also filing a complaint with the XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint against Transunion Regarding Inaccuracies In My Personal Information As Reported In My Credit Report.

Details Of The Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, but my credit report shows an outdated address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX. I request that employer be updated to reflect the correct information..

Supporting Documentation : I Have Enclosed Copies Of Supporting Documents To Verify The Accurate Information Provided Above, Including : A Copy Of My Driver 's License Or Passport Displaying My Correct Name.

A Recent Utility Bill Or Bank Statement Showing My Current Address And Current Employer.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WV)

Was in the process of a loan modification with WELLS FARGO, submitted EVERYTHING they requested, but had to refax some material over and over again, because they stated they never got it. Making the process very long, and having to start over because I NEVER got the same person twice. Was NEVER directed to a representative to help me either. I was told the foreclosure had stopped while working on the remodification, only to be faxed a letter to my office on XXXX/XXXX/XXXX stating they needed the money ALL of it almost XXXX dollars by Wednesday. Wednesday morning a lady called my mother in law stating she needed to speak to my wife, and I was told if I could show proof we had the full amount everything would stop. We did that my father in law took the money out of his account and gifted it to my wife, ( sent notarized letter to them ) whos name is on the account, mine is not, but I was handling this remodification. That evening we sent proof of the cashiers check and the deposit ticket proving the money was in our account. They told me to LATE the sale took place. In shock, we asked how to go about buying it back. The lawyers office told me to shut up and walk away, Wells Fargo told me NOTHING I could do. Then next morning I spoke with someone in the loans department who told me I could do a RIGHT to RESCIND. First I was told of this, I immediately sent her XXXX XXXX everything she needed, again having to fax and refax several copies, but I did it, she said everything looked good. Would contact me on Tuesday. It is Thursday XXXX and nothing. I have OperationREACH trying to help, I have contacted XXXX lawyers to see if they can help. I was given a stall tactic and I was mislead and misinformed. I also have a copy of the SENATE BILL No. 361. I feel I have been treated unfairly, with my rights, my 14th amendment ignored as well. Please help me and my family keep our home. Its our XXXX!!! 
Thank you XXXX and XXXX XXXX Please contact me there is so much more to this nightmare.