davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (SC)

Someone stole money from accounts at both   XXXX    XXXX   XXXX  an d Wells Fargo Wac hovia Bank. I want to know how to qualify to get money back, There have been  XXXX  Civil Suits about both banks. There are several mistakes about the banks statements  XXXX  about wells fargo is they charge me several nsf fees after they stole the money if you look at the statement they stole the  XXXX  then charge me  XXXX  of bank charges .then they stole from   XXXX   XXXX   XXXX   on  XX/XX/2011    and when i went to bank and got money on  XX/XX/2011    that is not on there the the have the balance incorrect on  XXXX  balance is  XXXX  then on  XX/XX/2011    balance is  XXXX  which is incorrect they have it backwards. There was just a class action law suit file on wells fargo and i should have been  XXXX  of the people to qualify top get money back. why dont people look in the data base to see how many people have had claims file against these banks to stop this from happening there is someone who also got credit cards in my name and a house mortgage on my credit report.
Consumer complaint received 2018-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Green Square Company LLC. (TN)

On XX/XX/2018 I was contacted by Premier Recovery regarding an account I am unaware of. When I called XXXX a gentleman answered the phone and said hello. He didn't say the company name. 
When I gave him the file number he called out another someone else 's name. I asked the guy if I could get validation of the debt & he replied that they would not do something that I could do myself. He also refused to give me any contact information to the original creditor when I asked repeatedly. He began to raise his voice at me and didn't assist me with my concerns. I am unaware of the debt and simply was requesting information since I don't recall having an account with XXXX XXXX XXXX. The gentleman was very rude and uncooperative. He was irate because I asked for proof of the account. The guy was very unprofessional.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE DISPUTED WIT H TRANS UNION OV ER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS  XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX   XXXX   XXXX  ,  XXXX ,  XXXX  I DO NOT RECOGNIZE THESE INQUIRES AND  TRANS UNION S TATES THEY VERIFIED THESE INQUIRES AND I KNOW THEY DIDNT BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRES
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (AZ)

This is a complaint from  XXXX   XXXX  again st Mercantile for Mercantile 's fa ilure to provide requested information for the debt alleged. On   XXXX   XXXX   XXXX      ( consumer )   XXXX   XXXX , received a demand letter from creditor,  Mercantile.  On   XXXX   XXXX   XXXX    , consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact  ( s ) ; b. Any notice ( s )  of assignment or receipt of sale of the debt alleged ; c. Any not ice ( s ) of d elinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ;  f. Proof th at you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.    Mercantile res ponded on   XXXX   XXXX   XXXX     providing only statements, and no chain of title. On   XXXX   XXXX   XXXX    , consumer ( through legal counsel ) responded asking for a chain of title. It has been  Over 6 w eeks since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of  USC 1692, and oth er federal acts which require lenders and deb t collectors to a ct in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2018-10-30
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: Experian Information Solutions Inc. (GA)

am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im trying to buy a house
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A cas e (  #  XXXX  ) was submitted back in  XXXX     2017 to the CF PB for a company reporting on my report, Stellar Recovery. The company stated they would obtain and send verification. I have not received said verification. I have disputed as such with the credit bureau. Transunion has yet to investigate my claim given into account all the evidence submitted showing my attempts to obtain validation from this company. The item continues to be reported, hurting my credit profile and financial reputation.
Consumer complaint received 2017-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC (CA)

I took a private student loan on  XXXX   XXXX ,  XXXX . I was supposed to start paying the loan in  XXXX   XXXX . My mother was the co-signer on this loan and she included this loan in her bankruptcy in  XXXX   XXXX . In  XXXX   XXXX  my mother dismissed her bankruptcy and contacted  XXXX , the owner of the loan at the time, to ask them to re-affirm the loan so we could start making payments. We were told the loan had been charged off and there was no way to make payments on the loan. I never made any payment on this loan and it went delinquent in  XXXX   XXXX . Recently I was contacted ( 7 years lat er ) b y  XXXX  different collection companies trying to collect on this loan. I informed all three companies that the statutes of limitation in California is 4 years and I have no legal obligation to pay this debt. I have asked all  XXXX  companies to stop calling me, however I continue to receive collection notices and phone call to my cell phone, home phone, and my mother 's cell phone. The  XXXX  companies are :  1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  Phone number  XXXX . They are demanding payment of {$20000.00}  2 )   XXXX   XXXX   XXXX   ,   XXXX   XXXX .  XXXX   XXXX   XXXX , NY  XXXX  Phone number  XXXX . They are demanding {$16000.00}  3 ) U nknown company, received letter by mail with no Company address, Phone number  XXXX  Processing number  XXXX . They are demanding payment of {$19.00}.   I have copies of all three letters/notices.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: WELLS FARGO & COMPANY (CA)

I requested a credit line on Wells Fargo, when the statements came the name of the account was wrong I assumed it was not my account and should not pay, I asked the bank to stop sending receipts that were not mine, after 6 months I saw my credit score and then I realized that the account was really mine, but the name was wrong. I paid in full after I saw it but my credit score is damaged now.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (LA)

The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX  and XXXX  to remove late payments. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Hello CFPB, We just read about the multistate action involving  Ocwen Loan Servicing.  Is there a plan to provide consumers victimize d by Ocwen with a s hare of the fines levied  against Ocean?  In   XXXX   after Ocwen claimed we were behind in our escrow balance we initiated our own research and found our escrow account had been mishandled  by Ocwen. After m onths of effort on our part to get our escrow funds back and eventually refinancing our home, we got out from und er Ocwen and their thr eats to dramatically increase our mortgage payments.   We spoke with several attorneys in     XXXX   and they felt there must be many others affected by similar   Ocwen stunts but believed it was cheaper for us to refinance and move on.
Are previous customers of Ocwen going to receive any money for damages ( stress, lost time, lost money, etc. ) from this action? We are Maryland residents and would like to know how to file a claim.   Thank you.
Consumer complaint received 2017-04-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I do n't know if my case is not that unusual. But I would like to be clarified with this please.   I have defaulted mortgage payments for family reasons. The bank of America foreclosed my property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL  XXXX    XXXX   XXXX   XXXX   XXXX  . I sent a cheque ( number #  XXXX   ) to  pay for the arrears but they returned the check because they want me to do the reinstatement process instead. They sent me reinstatement calculation dated  XX/XX/2017    at  XXXX  an amount of {$12000.00} which I though was very large amount so I borrowed money from my wife and relatives to pay. On  XX/XX/2017    at  XXXX , the bank o f America s ent me again a reinstatement calculation which I believe is the correct one with the amount of {$9300.00}. I called the bank  of America and spent 4 hours being transferred to 4 departments. One su pervisor told me that they will reimburse or send me the difference of the  XXXX  reinstatement amount which is $ {$3300.00} in  7 b usiness days. After 12 days, I called again because I did not receive a check. This time I spent  5 hour s on the phone transferred to every department in the ban k of America. One supervisor l ady told me that there is no such thing as reimbursement. I want to get back the overpayment that I have made. Kindly educate me please.    XXXX , bank  of America mortgage costumer Loan Number  :  XXXX
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MN)

This past year I officially changed career fields to follow my passion, going from business to education. Taking advantage of the  XXXX   Grant (  {$8000.00} upfront for school fees in exchange for serving in a high need field in a low income school ) allowed me make this change.     I am now fulfilling the goal of the program working as an  XXXX    XXXX   in a   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX ,  XXXX , MN ). Recently, I received notice that my {$8000.00} grant was turned into a loan that I have to repay because I did not follow their fine print rule of informing them that I am in fact fulfilling the goal of the program. They sent three notices by email that went to my junk mail before I could read them, and then they sent a piece of real mail to my house stating that my grant had been converted. They claim there is nothing I can do to reverse it.     I believe it is unjust that I could so easily be robbed of my grant when I am fulfilling the goal of the program. Additionally, the fact that I did n't receive a paper copy notice until it was too late makes their communication process seem inadequate.
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AL)

PHOENIX FINANCIAL SERVICE has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law
Consumer complaint received 2018-03-30
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: Michael Haynes & Associates, LLC (TX)

XX/XX/XXXX I started receiving phone calls at work from XXXX XXXX XXXX XXXX. The company is called Michael Haynes and Associates. The lady ( XXXX ) stated I'm listed as " uncooperative and unreachable '' and that there is going to be judgement against me in the state of Georgia. ( I live in Texas ) XX/XX/XXXX I returned her phone call and a man answered. I asked him to stop harassing me at work. He stated that I owed money on a XXXX credit card. I told him that I don't have any outstanding debts, and if I did it would've have been over 10 years ago. He called back from XXXX XXXX XXXX XXXX and left a nasty message on my voicemail. He said that he did a " quick search '' of my social security number and has my current address. He stated that he is drawing up papers to have me " served '' and that I will need to get a plane ticket to Georgia and appear in court. 
XX/XX/XXXX A call from same company, but another phone number XXXX XXXX XXXX XXXX. XXXX XXXX left a voicemail in reference to " processing a claim '' and " going after the full balance '' if I don't cooperate.
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (AL)

Golden Key Credit Inc. has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law. Date XX/XX/17, amount {$870.00}
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AZ)

an account has been reported to my credit report again that has been previously removed by other collection agency 's once they verified that this is not owed by me I spoke to a supervisor and he was not helpful when i told them to verify it with XXXX
Consumer complaint received 2018-10-30
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: Experian Information Solutions Inc. (MS)

I am concerned about the validity and accuracy of the recent investigation done by the XXXX and Experian..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been getting the run around from Equifax regarding inquiries. Equifax has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Equifax a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 3 inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX/XXXX/XXXX,
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (NJ)

i had medical bills sent directly to collections and reported on all three reporting agencies. Not only did i dispute with the collections agency, they refused to acknowledge the illegality of sending a XXXX insured a bill, let alone report derogatory remarks to credit reporting agencies. They refused to identify the provider so XXXX can file a formal complaint. The hospital had no information. 
My dispute with XXXX and XXXX resulted in the deletion of the derogatory marks, and classified it as fraudulent charges unsubstantiated by the collection agency. 
My dispute with XXXX was denied. The collection was determined valid, and updated immediately. 
Inconceivable. And they want documents if i can demonstrate the accuracy of my dispute! I do n't have documents. I never received a bill, i do n't know the practice or physician. There are 2 separate derogatory marks, submitted to collection on the same day i went to urgent care.
The balance billing of a XXXX insured is illegal, and i have no evidence besides the hospital invoice showing it is satisfied.
State and Federal want to investigate the provider for prohibited practices. I was refused this information or a bill from the agency.
Its incomprehensible that XXXX refused to remove fraudulent remarks affecting my credit, especially with my formal dispute notate in the remarks by the collection agency. It was seamless to rectify with the other two agencies. 
i am a victim, who ca n't file a complaint against the provider who fraudulently billed me, and further victimized by XXXX bad faith conduct and violation of my consumer rights. 
it 's appalling that this was validated and reported on my permanent record. I had to dispute the fraudulent remarks. Now, i 'm further victimized by XXXX to validate the inauthenticity.. why? 
What can i do? The other two credit reporting agencies responded quickly and acknowledged fraud. What information did XXXX obtain to validate an illegal collection. 
And I still need an actual bill. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending bills? 
i need XXXX to explain their investigation and determination of validity. 
i need a bill for these alleged charges, which XXXX required me to obtain because they want to formally investigate and fine the practitioner for prohibited billing practices and fraud
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (LA)

Disputed with the company XX/XX/2018 and also submitted with cfpb about the original company and they had no validation and deleted the file. I viewed my credit report this morning and seen that another account was added back on the file with the same amount. I have contacted Equifax several times. I have spoke to different reps and supervisors I even noitified them I had sent in a ftc report. I have asked for proof that this account is mine. I have been dealing with this for since XX/XX/2018. What else can be done? I am very disappointed with them.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have disputed the late payments on XXXX XXXX XXXX   account. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have been getting the run around from Experian regarding inquiries. Experian has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Experian a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the XXXX inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX