davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-11-11
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. (AL)

My wallet was stolen with my ID and social security card I checked my report and noticed multiple fraudulent accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KY)

In XXXX our loan was sold to Green Tree. We had only been with XXXX XXXX Bank for about a year ( XXXX ). We continued to pay monthly to Green Tree and in late XXXX filed Chapter XXXX Bankruptcy and reaffirmed with Green Tree. They were not included in our Bankruptcy plan. They were paid on time every month. In XXXX XXXX I received an Escrow Account Disclosure Statement. This was the XXXX XXXX I had ever received from Green Tree. It included a Deficiency Amount of {$3100.00}, shortage amount of {$860.00} for a total of {$3900.00}. I called them immediately. There were some odd things on the statement. For example in XXXX of XXXX there was {$310.00} to other. They could offer no explaination but said it looked odd so they would do another check and get back to me. I would call and check but was told it was still under review. In XXXX my payment went up to an amount I could not afford. My previous payment of {$660.00} jumped to {$850.00}. I contiued to make the {$660.00} because I had not heard any results from the escrow review and calls to Green Tree were fruitless. XXXX XXXX XXXX XXXX from collections called me to ask for the rest of my payment. I made the difference and she promised that she would investigate. Apparently the analysis was complete but I was not given any information. She submitted it again. I continued to research on my own and found my homeowners policy had increases. I called my insurance agent. We conference called Green Tree on XXXX XXXX. I was told that my escrow account was not my concern and I had no right to request statements or verification of where the escrow money had been paid. I was told we were not talking about my money and I would not be given any other information other that the standard Escrow Account Disclosure Statement. My agent and I stated that it was my money and I have a right to know where it went.He also reworked my insurance so there would be no money coming out of Escrow for insurance in XXXX. The agent reacted rudly to my insurance agent and told him the escrow would not be reworked, it would make a difference. It should have in my opinion. The Green Tree agent was extremely condescending and she was n't the last. My requests for information concerning this large amount of money was met in the following weeks with raised voices, rude tones and speaking to me very slowly. The revised Escrow Statement arrived on XXXX/XXXX/XXXX with a shortage of XXXX, Deficiency amount of {$2300.00} for a total of {$3700.00}. I refinanced with another complany this month but prior to the payoff Green Tree tried to bully me into making XXXX XXXX payment. The loan was paid off XXXX/XXXX/XXXX. I was never given an answer as to why my escrow did not receive a review in 7 years. My lawyer stated that since it was not part of the Chaper XXXX I should have received Escrow Statement. The phone calls, rude behavior and stress was uncalled for.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2016-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

This concerns case XXXX. We contacted you to let you know that someone at Wells Fargo named XXXX has agreed to review our case again. Today we received a load of documents from Wells Fargo. All the responses given to Consumer Financial by Wells Fargo is false twisted information. It was Keep Your Home California who advised us to contact Consumer Financial Protection Bureau on the State and Federal violations by Wells Fargo. Now Wells Fargo is retaliating for us going to Consumer Financial for help. All the Bank has been saying is very confusing because it does not make any sense. We received Federal help through Keep Your Home California and now Wells Fargo is using the funds as a severe weapon to manipulate us. XXXX XXXX from Wells Fargo got upset because we are using the word blackmail to describe their actions. But we know of no other word that describes what they have done to us so far. All the mixed up information that Wells Fargo has confused all agencies with, we happen to have a paper trail of documents from Wells Fargo themselves that show proof of their illegal activity and their continuous lies and contradictions. Wells Fargo is illegally threatening us with foreclose as we are now in modification. If they attempt to foreclose it will be the second time they break California State law that says a Bank can not foreclose while someone is in the process of modification. But that is no problem with Wells Fargo as they had simply said the first time they done this, " We take no responsibility '', we suppose they will say the same again in total disregard of the law. We do not know what Wells Fargo wants, nobody does! We have fully cooperated to the best of our ability to do what Wells Fargo asks but no one knows what Wells Fargo wants, not even Wells Fargo. We have asked for our rights from Wells Fargo in this case and have been constantly denied. Would Consumer Financial please ask Wells Fargo exactly what is it they want. This has gotten totally out of hand by Wells Fargo. Please advise how we could liberate ourselves from these inhuman representatives of Wells Fargo.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2015-09-26
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC (SC)

Bottom line we have XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accepted employment that was rumored he had before the State announced the {$53.00} XXXX TAXPAYER-FUNDED INCENTIVES with Movemnet Mortgage. XXXX is a XXXX for Movement Mortgage in XXXX with a substantial salary. Movement mortgage is best known to pay referral sources to be the in house lender such as XXXX and XXXX and XXXX XXXX XXXX well over XXXX figures a year each.. So lets connect the dots, XXXX now Management with a mortgage firm that accepted {$53.00} XXXX in TAXPAYER MONEY for incentives to then turn around and pay private enterprise for business for himself to earn a very well paid living. 
See his web site to where he said these type of deals are outrageous!! 









SC Lawmaker Gets Gig With Company Receiving Tax BreaksMORE STATUS QUO CORRUPTION FROM XXXX STATE 'S RULING ELITE|| By FITSNEWS || A South Carolina lawmaker has XXXX given a job with a company that got more than {$50.00} XXXX from XXXX State taxpayers. 

Movement Mortgage - which received XXXX} XXXX in taxpayer-funded incentives in late XXXX to relocate its corporate headquarters across the border from XXXX, XXXX to XXXX XXXX, XXXX - has hired XXXX XXXX XXXX XXXX. XXXX announced his hiring via XXXX on XXXX. 

XXXX is close friends with XXXX governor XXXX XXXX - whose administration approved the incentives package for XXXX. 

Sound shady? It is ... 

This website has repeatedly railed against government-subsidized, market-distorting incentives - arguing they provide certain companies with unfair competitive advantages at the expense of individual taxpayers and small businesses. Also, South Carolina 's escalating use of such incentives has failed to create jobs or raise income levels over the long haul. 

Now we learn a state XXXX is getting a job from XXXX of the company 's benefiting from these anti-competitive subsidies? 

Shameful ... 

Also XXXX Mortgage - despite its claims to the contrary - appears to be re-inflating a new housing bubble by offering loans to those rejected by banks. 

" We do n't want to go back to the subprime days, when we were extending credit to the wrong folks, but we do want to make sure we 're extending credit to those borrowers who do have the ability and capacity to repay the loans but XXXX just not have traditionally documentable income, '' the company 's founder told XXXX earlier this year. 

Yeah ... what could possibly go wrong? 

XXXX XXXX XXXX 2015 XXXX Terms Privacy & cookies Developers English ( United States XXXX
Consumer complaint received 2015-11-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I received a phone call from gulf coast collection agency about a debt they said I owed. I said that I was the person that they were looking for and asked what the debt was about. he asked for personal information which I would n't provide unless he told me what the debt was and told him again that I was the person and he called me and without him verifying information I could n't give him any personal information at which time he said unless I gave him personal information he would hang up which he did and then posted negative information on my credit report. I want the negative information removed from all reports.
Consumer complaint received 2024-08-30
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased my apartment XX/XX/XXXX and XX/XX/XXXX I was approved a short sale under HAFA. The sale was completed and I was told that any negative credit reporting would be removed from my record. To this date, the mortgagor has not removed negative credit entries from any of my credit reports with any of the agencies. This is having an adverse affect on my ability to apply for other credit and is unfair.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

I 'm trying to refinance my mortgage. I defaulted on a loan to HSBC they sold it to XXXX but there is n't any record of the transfer. I paid XXXX and XXXX, XXXX 's attorney but now I cant get a clean title. What do I do?
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

We have not been able to work with XXXX XXXX XXXX and now Green Tree Servicing and have not had a mortgage payment since 2006 when XXXX was refinancing. Green Tree Servicing has stonewalled all our attempts to get a gov't program and/or loan modification.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$70.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/year>
Consumer complaint received 2015-06-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I am being sued in a local district justice court by Midland funding on credit card debt that is way past the statute of limitations to collect and they are in violation of the Fair Debt Collection Practices Act. They have already filed a lawsuit against me. There are XXXX different credit card accounts they are suing me for. XXXX had NO payments made on it at all since XXXX. Therefore this debt is over XXXX years old and is not enforceable to collect in the state of Pennsylvania. The XXXX credit card has not been payed on since XXXX which makes this over XXXX years old and again in violation and is not enforceable to collect. The third credit card has not seen a payment since XXXX. This information came directly from the Midland Funding website with my accounts listed so this information is accurate and correct. They are in violation of XXXX of these XXXX credit card accounts. I want the lawsuit dropped immediately and all fees and costs associated to be dropped or I will contact an attorney and I will let him pursue legal action against Midland Funding for violating the statute law in Pennsylvania.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (PA)

I have an American Express card however, they call my WORK phone constantly XXXX or XXXX times daily. This is a work phone that should not be used. Can we get this bill down to a reasonable payment plan? We are in good standing, however, Is it possible to get this down? Please stop contacting my work phone XXXX with collection phone calls. My supervisor is getting these calls to PLEASE STOP and mail information to me XXXX XXXX XXXX XXXX XXXX Pa XXXX. What can I do too pay this off? Also increase my credit limit?
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

I asked the USAA rewards XXXX XXXX XXXX to lower my interest rate from 17.9 % to something lower. To my surprise they told me that thanks to President Obama 's new credit card rules that they COULD NO LONGER LOWER ANY INTEREST ( APR ) on any existing cards. I find that hard to believe. I checked with my banking institution and they were not aware of this. USAA is telling their customers that the law prohibits the reducing of APR on any active credit card. Is this the truth, I really doubt it?
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Google Compare Credit Cards Inc. (NJ)

Received a notification from XXXX XXXX XXXXXXXX stating my Google Wallet was being deleted. Spoke to them for over 2 hours for the triggering event of the notification. They directed my to contact Google Wallet at XXXX. Google Customer Service did not clarify what amounted to a Google Wallet transaction. I requested a supervisor and was told they would only work via email for resolution. I was adamant about wanubg to physically talk to someone and not try to explain this via email correspondence. I was told this was not their process. I asked for a supervisor immediately on the phone. I even started telling them I had a reading issue and would not respond to an email. She consistently said the escalation was via email and I consistently started raising my voice to the point of screaming to SPEAK to someone. I was hung up on.
Consumer complaint received 2016-03-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc. (MO)

I paid Louisiana Recovery Services on XXXX XXXX in the amount of {$260.00}. This was for a medical account for XXXX XXXX. I asked for a letter confirming that the account had been paid and was told I would receive one. I have yet to receive this letter. 
I was also told to fill out the credit card authorization form and authorize {$11.00} and that would expediate and they would remove the account from all XXXX of my credit reports. I faxed in the form, called and verified it had been received. It had been received as of XXXX XXXX. I disputed the account on all XXXX credit reports as being paid. 
On XXXX, LRS did not remove the account and updated it, still saying it had not been paid. 
I called most recently in XXXX, at least 3 to 4 times. The last time, the representative lied to me telling my wife who was calling on my behalf that he had just spoken to me. Which was a lie, because I was in meetings in work all day and had not called them at all. 
As of XXXX XXXX, this account is still listed on all XXXX of my reports as unpaid. This is adversely affecting me and my ability to qualify for a home loan.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX  Account # XXXX, Experian Account # XXXX, XXXX Account XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-08
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ascension Point Recovery Services, LLC (TX)

On XXXX AscensionPoint Recovery Services, LLC. sent me a letter stating : Dear estate of ( my name ). The letter did not give me my mini-miranda rights nor did their letter state they they were a debt collector. 

I disputed the debt in a letter dated XXXX and requested that they conduct an investigation and to send me the results. 

On XXXX I received another collection letter from them with out receiving results of the investigation of my dispute on the alleged debt. The collection letter attempted to collect {$12000.00} and then it also stated to me : " You personally are not required to pay any of the debts from the estate. '' What estate if I am still alive and the the letter was sent addressed to me! 

XXXX the FDCPA and the Texas XXXX XXXX.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Plus Inc (NY)

There is a bill owing to XXXX that i do not know about. I am trying to dispute the issue, and i am not getting anywhere with the company. I was told that they would send me paper work to be filled out, and it 's over XXXX weeks and i have not received it. I would like to do business and i can not do anything because of something that i do n't know about.