davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CT)

XXXX-18 : PHH Mortgage Services attempted to make a phone payment. in order to do this, they required I verbally record my voice agreeing to legal terms not on this company 's website - unreasonable tried to make payment on website - couldn't login. requested password reminder. after 16 minutes, received a reset. after 3 attempts it did not work and locked me out of my account. password requirements were excessive : " Your password should have 8-14 characters including at least 3 from the  following character types : number, uppercase letter, lowercase letter, special character ; no more than 2 consecutive repeating characters ; can not contain your username, first or last name ; field is case sensitive. " tried to contact technical support. website said they were open until XXXX XXXX, called at XXXX XXXX. recorded answering machine said close at XXXX call back during regular business hours. incorrect hours listed on the company 's website. 

can not make payment on time. got paid today. payment due today. I am blocked from paying this on time. I have been trying for over an hour. There is no way to make this payment after XXXX. I was at work until after XXXX. 

Terrible company to work with. This is not the first time this has happened to me. This is my second complaint for similar problems. Last time, I received a letter from the President saying to use their other website : http : //homeloans.tiaa-cref.org. That site has as many problems if not more. I was also offered the ability to make phone payments at the discounted rate of {$7.00} a payment. Crooks! 

I log into 10 websites a month to make payments. This is the only unethical company that blocks me again and again from being able to login, and then charges me for paying late.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MT)

I received an American Express Delta Skymiles promotion in the mail that offered me XXXX miles if I spend {$1000.00} in 3 months. I signed up for the card online and was approved When I received the card in the mail, the welcome kit mentioned nothing about the promotion I had signed up for and was approved. I called American Express and asked for the details of the promotion and confirmation that I will receive the XXXX miles once I spend the {$1000.00}. The first couple phone calls I was reassured that I will receive the promotion benefits and they would send out a welcome kit saying so, I never received anything in the mail. My final phone call was XX/XX/XXXX when I was told that I won't be receiving the promotion because I had had an American Express card before. Then I was told by the supervisor that the promotion wasn't even from American Express but was from Delta. So now they are just full of excuses to avoid holding up their end of the deal and giving me the promotion. Just to note, This promotion received in the mail was addressed to me and it included my Delta Skymiles number. Whether this was a promotion from American Express or Delta or a joint promotion, someone needs to hold up their end of the deal and do what is right. I expect the promotion offering me XXXX miles once I spend {$1000.00} to be sent to me in writing. Thank you,
Consumer complaint received 2018-02-16
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. (AZ)

I am a victim of identity theft. I recently sent XXXX and Experian a police case number # XXXX, XXXX XXXX Sheriffs Office in reference to the following fraudulent and unauthorized accounts : XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. The accounts are fraudulent and dont belong to me at all. I been receiving harassing and threatening phone calls of abusive and profane language, death threats, threats of taking legal action against me, having me arrested and put in prison for life, daily around XXXX XXXX and around XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX Representatives for over 2 years. This is a serious and egregious violation of The Fair Debt Collection Practices Act under Federal law. The accounts are fraudulent and dont belong to me. The following credit inquiries dont belong to me : XXXX XXXX and XXXX XXXX XXXX The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I had gotten a auto loan with XXXX XXXX in XXXX, and They did repo the vehicle in XXXX for failure to pay. But I have constantly tried to get this company to correct info on my Transunion Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3.. 
This is how it was listed in XX/XX/XXXXand still listed as of this complaint, Transunion say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On my XXXX, XXXX and Trans Union credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I made a purchase with XXXX and they did not deliver the goods as promised on the date expected thus items were returned. XXXX continued to charge my card after the items were returned. I disputed these charges with my credit card company and they were initially reversed however they were added back on at a later date.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. 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.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-11-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent a request to the credit bureaus to investigate errors on my credit report. They were supposed to respond with the results within 30 days. Its been over 45 days, and I have yet to receive a response from XXXX or Experian.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX i got an alert that I authorized an credit check with XXXX/XXXX for an account. Which is impossible. I was sick in bed. I called XXXX to clear it up the were very understanding could not find anything. I call Experian who put it there they absolutely refused to do anything and said it would stay on until XX/XX/2020. XXXX said they saw no where in there files where I seeked a credit application.
Consumer complaint received 2018-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (WV)

I left for basic training with the XXXX in XX/XX/2018, and during that time I was hit with a collection that was not mine. It stated that I had went to a medical office XX/XX/2018. And since then I have been hit 6 times with this creditor and there would have been no way I could have even went to this office because I was in basic training and couldnt leave. I have been able to take 4 off but there are still 2 on my account. Which is killing my credit score. I try contacting the office but it doesnt take me anywhere. Im only XXXX years old and I dont know what to do. Or how to get it to stop hitting my accounts. Please help me if you can, I dont want it to continue to ruin my credit. ( XXXX ) XXXX is the number to the office but when I try to call it doesnt work. Theyre called Midwest recovery system and I cant even find a real website on them. They first hit my account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, two on XX/XX/XXXX and the last one hit XX/XX/XXXX. Please help. I dont know what else to do other than trying to dispute but no one has been able to help keep them off permentaly. Every time I check my XXXX XXXX score it goes down in huge amounts because of this creditor. And Ive tried contacting XXXX and XXXX but nothing works.
Consumer complaint received 2018-02-15
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. (NJ)

XXXX XXXX XXXX claims I own them {$1000.00} but it's fraudlant they told me if I can prove I never owned a XXXX XXXX account that they would delete this because that's where the payments were being made from I have all the proof and a police report
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (TX)

XX/XX/XXXX National Credit Systems , Inc . 
I asked The supervisor XXXX XXXX to give XXXX authorization to remove a Paid debt from my credit. 
Amount {$670.00} paid XX/XX/XXXX. 
XXXX XXXX said no that she would not talk to anyone from the XX/XX/XXXX or any Credit Bureau, when I asked her why XXXX XXXX said it was against company policy and it was not worth losing her job. I asked to speak with her boss and she said NO. 
I asked her again for her to give me her supervisors name and was told no. I asked her who owned the company and a direct phone number and she lied to me and gave me a false Name and Email and no number. 

This is not acceptable business practice by any means..
Consumer complaint received 2018-11-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by XXXX XXXX because they sent a dispute update to XXXX but did not notify me by mail. According to fair Credit Reporting laws, XXXX XXXX should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2018-02-16
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)

Equifax is leaving case XXXX open but sent the attached letter to me which shows again that they did not conduct an investigation per my request which is a violation of my rights under FCRA. They also did not conduct the investigation per my CFPB complaint. They are clearly showing no regard for the FCRA. Their non-compliance under section 616 of the FCRA is greatly affecting my ability to obtain credit. If these inquiries are not immediately removed, I will file a complaint with the FTC and Attorney General with the proof of there violation and proceed with filing suit through my local court system.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (FL)

In 2009 whilst away at school my name was used to open a utility account with XXXX. this account was opened fraudulently without my consent or authorization. 
I have not or did not give permission to any person to use my confidential information to open an contract or for me to be included me on any application for service with XXXX.
Consumer complaint received 2016-08-24
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RCS Recovery Services, LLC (AL)

We have been asking for a statement on this debt for 2 weeks now, original request submitted XXXX XXXX. We were told then we would have it by XXXX the following day. We have received the same response each day since but are now being told that they have 30 days to send verification. We are set to close on a house on XXXX XXXX and the only thing holding the bank up is verification of this debt. I have also given them permission to speak with our lender to verify information when she calls. They have railroaded her each time. My last conversation with them was this morning in which they told me to continue to wait to which I replied they could continue to wait for further payments until we receive a statement. We have been making payments and are more than willing to continue. We would like to pay the debt off in full at this time but are being advised by the lending bank to wait until we receive the requested documentation.
Consumer complaint received 2016-08-24
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

Hello I recieved a letter several times telling me there a collection agency looking for me too pay {$150.00} from a past medical bill when i was playing hockey in Indiana. The company is HRRG in XXXX XXXX Florida. my acct number with them is XXXX and bill is from emergency prof of Indiana. My dad made arrangement with them to pay the balance. He then stopped that payment because this company i believe illegally put this debt on my credit report, and also same exact on my dads credit report. My dad has the health insurance and i 'm a dependent. When i went to dr i was told i wont be seen unless my social security number was put on paperwork, me being XXXX i did it and now i 'm having negative credit on my credit report when it was perfect. They have been calling and i was told " you know this is yours so pay it and we can close out the file. On another occassion i was told it ca n't be held much longer and that it will go to our legal department where it will cost you more in fees. How can i have this removed from my credit file. I do n't want to be harassed anymore. 

Thank you XXXX XXXX
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Servicer, Specialized Loan Servicing, Inc ( SLS ), has confirm the reception of documents various times to be reviewed for Loss Mitigation solutions. On most recent communication, Servicer confirmed the reception of Bank Statements but requested that they be resubmitted to so the Non-Borrowers contribution. Bank statement submitted on previous occasions were marked accordingly to identify ALL Contributions received for the household. Multiple email correspondences can be provided to show that ALL NECESSARY DOCUMENTS HAVE BEEN SUBMITTED ON VARIOUS OCCASIONS WITH FOLLOW UPS TO CONFIRM THEIR RECEPTION. 
Servicer, on multiple occasion has filed to comply with CFPB regulations - additional information will be uploaded describing the servicing process till the appeals and borrower 's action to file Bankruptcy to delay the foreclosure sale.
Consumer complaint received 2016-08-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

In the month of XXXX I had a death in the family and needed some time off from work so i needed help with my monthly payment on mortgage for the month of XXXX so i called wellsfargo and asked them what i could do so i didnt miss a payment. They suggested a Loan Modification and told me not to worry about making the payment for XXXX that it would be put back into the loan once i was approved i called her several different times and asked her if i should try and make some kind of payment and she told me not to worry about it if i didnt have have the full payment cause it wouldnt apply till i had full payment so i didnt make any kind of payment and then found out that they had denied me for the loan modification and told me i had to come up with both monthly payments. I can not afford to make XXXX payments in 1 month that is why i asked for there help in the first place they refuse to help me and keep charging me late fees every month. I payed the month of XXXX on the! XXXX and instead of them applying it to XXXX they applied it to XXXX and now saying i owe XXXX by XXXX! XXXX i have tried to contact the home preservation manager and left him messages to contact me and i have yet to hear anything back. If they would have never told me not to make that payment i would be up to date on my payments and not getting forecloser letters. It took me 2 years to buy this home only for them to take it away from me. Wellsfargo is doing nothing to help me on any level.
Consumer complaint received 2018-02-15
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: Long & Foster Financial Services, Inc. (MD)

I have tried numerous times contacting XXXX XXXX XXXX in trying to resolve a fraudulent credit pull from their company. I have spoken to several different departments within the company and they either have " no record of my name in their database '' or are unable to help me. This was pulled on XX/XX/2017. After calling their company several times, as well as calling the XXXX number, and filing a report on XXXX 's website, 9 months later and I am still unable to resolve this issue.