davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-16
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC (SC)

My husband and I are super eager to get started on buying a home. We have herd a lot of great things from Veterans United so we wanted to get started immediately, however I just got off the phone with XXXX XXXX located in XXXX, Sc I believe. As we were speaking everything was going smoothly. I was ready to get the ball rolling. 

I was giving him my information as well as my husbands. When asked for my social security number, I was not in my office so I had to put him on hold to get my card from my handbag. He was on hold for no longer than 30 seconds. When I returned to the phone, he took my social security number and put it in the system. 

My social is newly issued since I have recently been able to adjust my status in the United States. 

XXXX 's entire demeanor towards me changed after giving him my number and his tone was very accusatory as he continued to ask me " okay ... where did you get this social? " ; that to me was already offensive as obviously the only place to legally " get a social '' is with the Social Security XXXX. I replied and said the Social Security XXXX of course. He then said " Okay, well it took you a while to go get your social '' I took that, along with his tone as a way of cornering me assuming I acquired my ss illegally, so at this point I felt attacked and discriminated. He continues to be-little me and say I have the wrong social since it 's not in the system and suggested that I did not give him the correct numbers. I told him he was offending me and he said " I 'm not trying to offend you '' yet his matter-of-fact, arrogant tone was loud and clear. 

I no longer wanted to continue to work with him and told him to eliminate all the information that was given to him as I did not feel comfortable proceeding with the conversation since buying a home is our biggest purchase I do not want to settle for this type of derogatory treatment. He should be honored my husband put his life on the line for XXXX to have the freedom he has now.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by Bank of America XXXX. XXXX XXXX was the XXXX lien-holder and tried twice to participate in a short sale, but Bank of America refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to Bank of America who told us the home was charged off and we did n't owe anything. Then we received notice from XXXX saying they had the loan now. We disputed the validity of this debt. XXXX at one time agreed that Bank of America should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now XXXX is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including Bank of America and XXXX XXXX ) that foreclosed on homes and should not have.
Consumer complaint received 2016-10-31
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

*Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts. 

In XXXX XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XXXX XXXX. 

Those items are : - XXXX/XXXX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : XXXX - {$980.00} These debts were all incurred in XXXX XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed an entry on credit report from XXXX, XXXX, XXXX. It came back verified. I then request the method of verification Transunion used, and they have failed to respond even though it has been longer than the 15 days required by law in violation of FCRA 611. I filed a CFPB complaint # XXXX ( copy attached ), in which they again ignored the request for method of verification, and merely re-forwarded the information to the furnisher. 

I have attached a copy of the results of the original dispute, dated XXXX/XXXX/16. I have also attached screenshots from credit reports on XXXX/XXXX/16 and today, XXXX/XXXX/16. There is no dispute comment on the tradeline I have disputed, in violation of FCRA 611.
Consumer complaint received 2016-06-16
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

very confused about this remark, progressive XXXX states that I owe XXXX and not sure why as I pay any balanced owed if needed. this was a total blind sided. I need this taken off my record ASAP. please help me on this issue.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Consumer Name : ( XXXX XXXX, Consumer Social Security Number : XXXX ), Consumer Date of Birth : ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened a XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

I had an issue paying my property taxes and called Wells Fargo Hime Mortgage to discuss the issue in XXXX of 2015. I was given the option to setup an escrow account with a 5 year repayment which truly would help my situation and be something I could afford. A couple of weeks passed and I did not receive any correspondence. I called again and was assured that it would be handled. A couple of weeks passed after that and I called again and was told a third time this could be done. A few weeks after that, I received a statement requesting repayment of the escrow in XXXX payments. They had paid my taxes and presented me with only a XXXX payment repayment plan without asking if this was ok. I had other means to partially pay my tax arrears and would have done that. They made a decision without asking me and now I owe them $ XXXX and this would raise my monthly bill by over {$1000.00}. I called back and was told the rules changes and they could not offer a 60 month repayment. Now my mortgage payment is very expensive and they have told me I could look into XXXX to lower my payment. This is not what I wanted to do. I am upset with the process because I was told what my options are picked an option that suited my budget and then they pulled the option saying it was no longer available. If the process was completed when I originally called in 2015, I would have the plan I requested, but Wells Fargo has no regard for their customers.
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

Almost 3 years ago I got a phone call from a debt collector saying they were trying to collect on a delinquent account for a store called XXXX and I spoke with that agent for almost 30 minutes on the phone telling them that I do not owe. Any money at all and that they needed to send me all Account Details to validate the debt and all of the cash and credit card transactions that I made towards that card because I always paid back what I used on that card it was only at a {$200.00} limit and each time I went into the store I paid back what I owed add One online payment via their website and with the cashier that I was cleared and now all of a sudden it 's on my credit report after 3 years I find it very odd now that all of the locations of XXXX have closed and all of a sudden I am getting something on my credit report saying that I owe them {$320.00} and I said that they need to also check with the XXXX store  in XXXX XXXX Florida in the XXXX store in XXXX Florida for the Reps that I gave cash money to for my account and told me that each time I was cleared I only use the card no more than four times
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-12
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)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2016-12-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BTH Management (TX)

This company has failed to provide me verification and validation of debt. This also needs to be update on my credit as disputed. This is not my debt and I am demanding proof of this debt. Also this agency must be license and bonded to collect in the state of Texas. I have attempted to contact this company but continue to go to a voicemail. I need proof this debt is mine. Date of Service something bearing my signature and in general what this was for? The last XXXX of my social are XXXX and date of birth XX/XX/XXXX.
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.       XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  ....
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

EXPERIAN HAS LISTED IN THE COMMENT SECTION OF GOAL FINANCIAL THAT THE ITEM WAS UPDATED FROM OUR PROCESSING OF YOUR DISPUTE XX/XX/XXXX. I NEVER DISPUTED THIS LINE ITEM. I DID ASK FOR VERIFICATION FROM EXPERIAN THAT THEIR SHOWING ME TO BE 180 DAYS LATE ON MY PAYMENTS WAS CORRECT. THEY HAVE NOT BEEN ABLE TO SHOW ME VALIDATED PROOF. HOW CAN I BE LATE ON A LOAN THAT WAS IN FEDERAL DEFAULT PROGRAMS XX/XX/XXXX AND XX/XX/XXXX. THIS INFORMATION THAT THEY ARE LISTED IS INCORRECT. SO I AM ASKING THAT THEY GO BACK TO XXXX AND GET PHYSICAL PROOF THAT I WAS INDEED LATE FROM XX/XX/XXXX TO XX/XX/XXXX. I DO NOT BELIEVE THAT I WAS AND YET THEY ARE REPORTING THIS. I AM ASKING THAT THIS ACCOUNT BE UPDATED TO SHOW OK/CURRENT TERMS OF AGREEMENT MET AS WELL AS UPDATE THE COMMENT TO SIMPLY SAY " ACCOUNT CLOSED DUE TO TRANSFER '' AND TO REMOVE THE REST OF THEIR STATEMENT THAT MENTIONS THE WORD DISPUTE. NO ONE DISPUTED THIS. ASKING FOR PROPER VERIFICATION IS NOT DISPUTING.
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I returned the product on XXXX XXXX, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XXXX XXXX to Bank of America to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from Bank of America ( BOA ). After I returned the product back and contacted with BOA, BOA said that they already sent the money to them and closed the case. Further, because my case is expired, BOA ca n't reopen my case again ; thus, I did n't get the money back until now. 
I contacted with the seller 's bank " XXXX '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. 
I hope it is not too late to get my money back before XXXX transfer the fund to the seller. Could you help me to solve the problem? 
Thank you so much.
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc. (CA)

XX/XX/2017 I verbally called the servicer FCI Lender Service Inc to request solution to the delinquent mortgage and to prevent forclosure. I am the ex-spouse of the Primary borrower and as result of the divorse was awarded the home. A package was to be sent which would allow me to apply for a modificaton and it was sent & received XX/XX/2017. There we no letter that were sent out requesting additional information and it was n't until 2 weeks later when a letter was recieved stating that there was a foreclose date of XX/XX/2017. During this time we were miss-informed about a Chapt XXXX, due to that we wanted to keep our home. At this time I have remarried a few years back and are able to maintain the mortgage when the modification is completed. It has not been a full 30 days and already a sell date was entered. 

We need to request stop motion of the foreclosure so that the modification has time to be approved by the lender. Since FCI is the servicer, we were unable to mail the modification directly due to the representative only questing for us to send it in writing first and would not relay the information to us. It is our concern that the servicer is not working in our favor to keep and modify our mortgage and may be delaying the process on purpose. 

As of today we have sent the servicesor all the information needed in order to process the modification to our knowledge.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

XXXX is continuing to try to collect for a debt that was paid in full several years ago. The collection agency Convergent Outsourcing is reporting the debt on my credit report incorrectly and it has been paid in full.
Consumer complaint received 2016-12-20
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CMRE Financial Services, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX provided my personal information to a third party without written or verbal consent. They sent my information to CMRE collection agency. They are in violation of XXXX laws.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

I 'm receiving letters from ProCollect Inc. that I owe a bill to XXXX XXXX when I been with XXXX for 13 years. I talked to them and they still sending me bills please assist me in this matter.Their office is XXXXXXXX XXXX XXXX, TexasXXXX.Phone number XXXX Thank You, The bill has my name and address, but is not mine someone is using my name and address.I Protect my identity Theft with XXXX and XXXX And I know is not me I do n't know what else to do.
Consumer complaint received 2016-12-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (GA)

The finance company has left messages for one of my references giving detail XXXX what the call was about. And left a voice mail at my phone # giving VERY specic details, amounts, dates concerning my account information. I work collections and these specific details, Im told are against the law.
Consumer complaint received 2016-12-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (SC)

Had a deposit come in for {$1800.00}. Bank says my acct was hacked and funds taken out. It was sent to fraud department and as of today 4 and a half months later I still have not been reimbursed.
Consumer complaint received 2016-12-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (MD)

I do n't have much information, as I have not been contacted. I was just approached by a neighbor because they called HER and acted like it was a character reference and asked all sorts of questions, including where I work, my phone number, and more. She did not respond, as she 's aware not even I have her number, so I would n't have used her as a reference. The person who called was XXXX and her number is XXXX.