davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Hello, I reached out to I.Q. Data International , Inc. ( also know as, Rent Collect Global ) to settle an unpaid balance that I owed. After dealing with one person on XXXX, and a rude associate today on XXXX, I finally spoke to the operations director. Due to my financial constraints, I am not able to make the full payment of {$5400.00} at this time. I requested to set up payments, and they denied that saying that I need to find another way to pay the debit in full. They recommended taking out a personal loan with XXXX XXXX XXXX. I went online to apply, and was denied the loan. I called them back to tell them the results, and they said they could n't help me. They made me feel bad that I did n't have other means to pay this in full ; i.e. a credit card, a family/friend, or 401K. They said they would be taking further actions to collect on this debt and that they are reporting this to be credit bureaus, which would affect my credit score. When I asked what the further actions would be taken, they said they did n't know or could n't tell me. I asked to speak to someone that could tell me, and they said there was no one there that could tell me. I asked for another solution and they said there was n't one. To be clear, I ended the conversation saying that I am acknowledging the debt that I owe, I am voluntarily reaching out to you to make good on this debt, I am trying to set up payments to repay the debt, and you are denying me the right to make good and further going to tarnish my credit score. They said correct, and wished me the best of luck. I 've never dealt with anyone in my XXXX years of life that would n't take payments to settle a debt. Its unfair, and not the American way to further ruin my credit when I am trying to make good on a debt. These conversations are all recorded per their policy and can be verified.
Consumer complaint received 2016-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY (PA)

I live on XXXX, XXXX ( XXXX County ) and have banked with Wells Fargo Bank. I resolved a lawsuit in XXXX County, XXXX involving attorney fees ( involving a dispute over real estate in XXXX ) by agreeing to a Consent Judgment. It was my understanding that the creditor/attorney would have a lien on my interest in the realty that would be sold down there in several months. Nonetheless, the creditor/attorney immediately obtained a Writ of Garnishment from the XXXX court and levied my bank account with Wells Fargo Bank even though I live and work in XXXX. I was under the impression that the foreign judgment had to be " domesticated '' or transferred to XXXX before Wells Fargo could freeze my account. In any event, I believe Wells Fargo Bank is violating my rights by honoring the foreign levy of my bank account that has approximately {$3700.00} and affording me my exemption rights under XXXX law. As of this writing, I have not yet received any legal papers regarding the garnishment.
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America, closed my checking accounts stating that they all had negative balances. 
When I called to let them know that what they thought was not true, and there was enough money to cover all the overdrawn fees, they realized they messed up, BIG TIME. 
Even though, I had been their customer for the last 14 years, they went ahead and closed the accounts. Never really provided any assistance. It is true, I have been an in bad financial situation for a whole year. However, I am back on my feet now ; doing great. I have realized, they never cared about it. They just do this type of practice. When I called regarding this issue, the guy on the other side had some kind of an all powerful tone/attitude. Once I proved to them the stupidity they had done, this person seemed to be talking to me from under his desk. He could not find an excuse for what this institution had done. I apologized to him because I was getting off on him ; it was not his fault that this happened ( Still, I did not like his " I am always right attitude '' ). I demanded to have what was left of my money available now, so that I could go get it at the local branch. They said it was not possible until all transactions clear, that I had to wait until next week. I asked for a manager. The manager was very polite and sounded very humble. I have agreed to wait until next week to get the balance of my money. 
Therefore, the type of customer service was poor. They had no answer, when they realized that there was enough money in the account to cover for all negative balances. 
They went ahead and canceled regardless of what was in the account. When they realized what they did, they had no answer. Even after paying off these negative balance accounts, I will have to wait to see the rest of my money until next week. Holding me back on other payments I have to make.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have XXXX closed/paid accounts with XXXX XXXX. I recently learned through the process of trying to get prepared to purchase a home how any late payments affects your credit score. In XXXX 2016, I disputed XXXX inaccurate 30day late payments with XXXX and Transunion account # XXXX. It came back verified. I contacted XXXX XXXX several times trying to get documentation to support the late payments. They continue to say they will mail and/or fax proof of late payments but I continue to receive nothing from them. I even wrote a letter asking for forgiveness courtesy. Denied. I recently learned that being under 30 days late is not the same as being 30 days late. Transunion stated the same as XXXX that they can only report what is sent accurate or not and that they do not request for the company to show proof of the late payments they just report only.
Consumer complaint received 2016-08-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

During my recent credit check I have noticed a claim by a collection agency for {$1700.00} for unknown services which dropped my credit score by XXXX points. I sent a certified letter to this collection agency and the letter came back as undeliverable, and return to sender. The company in question is ARS ACCOUNT RESOLUTION or ACCOUNT RESOLUTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
Please find attached attachments regarding this correspondence.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (VA)

I have several inquires on my report that I didnt authorize. I have file several disputes and the only thing equifax say is : Its factual ... I have faxed them and asked for validation or proof I did it. Equifax in return dont answer my request each fax was issued a confirmation number XXXX, XXXX, XXXX, XXXX, XXXX and XXXX their excuse of not answering my request by fax is they thought it was fraudulent with all my personal information attached and the fax was sent through a secure line. Their stall tatics and the round around they give you for trying to get them to report 100 % accurate information os ridiculous. Then they had said teo of the inquires wasnt reporting on my credit report of course not when you have to dates wrong. These are the inqyires thats in questioning and I want them removed 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 ( never been to Texas ) XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

One year after I was declined for a store credit card with XXXX Bank, this company did a SECOND " hard inquiry '' on my credit report -- now a year later -- and declined me for credit again. One of the reasons I was declined was due to the number of inquiries on my credit. Now, two of the three inquiries on the bureau are from THIS COMPANY. I do not recall giving authorization to do another hard inquiry when dealing with XXXX Bank and feel this practice is deceptive and without adequate information and consent.
Consumer complaint received 2016-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Associated Credit Services, Inc. (OH)

I have a bill from firsts energy of {$280.00} and when I first moved from the property that it was owned it was {$400.00}. I have been in communication with first energy and they 've told me several times that they will NOT PUT THIS ON MY CREDIT REPORT as long as I make payments. Does n't matter how much I make long as I put something towards it. They also mentioned that with the system they have it may have to still go to collections bc its old however it wo n't go on my credit report. So associated credit services called me SEVERAL times and I explained to them my situation and assured them many times the status. Last call was one week ago and I let them know I made a payment. So I just made a payment a week ago and advised every time I get paid I will make a payment So the lady said se was willing to work with me and will also keep it from going on my credit report. Yet I see it on my credit report and different reps at this office said different things. I am doing my best to pay this off and I do n't want to be harassed and threated and on my credit report.Most people do n't even make attempts but I do and will keepon until its paid. I have a illness that kept me from work so I could n't pay the big amount of {$50.00} like I was as I was behind on so much but again I have been working on it. So I want them investigated and shut down for all this mess they just caused with it being on my credit report.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX bank, acct. # XXXX has been reporting inaccurately for over 5 years. 
For an Experian attorney, I 'm making a record here. With XXXX Experian was provided all account statements provided by XXXX XXXX records along with current law, ( FCRA, FDCPA,2009 Credit Card Act, Regulation Z TIL ) will with the following specific supported facts of my claim prove to Experian et al , that the account reporting can not be reported for one more day. 
The report is uncorrectable as the balance, status and all things reported are affected by illegal excessive fees and outright illegal fees period.I paid XXXX dollars to open a XXXX dollar credit line that could not exceed XXXX dollars.I was assessed late fees of XXXX dollars that legally could not exceed XXXX dollars.I paid an illegal internet access fee to pay the first fee payment, that is prohibited The late fees were assessed on XXXX/XXXX/11 and XXXX paid the illegal " pay-me '' internet fee on XXXX paid XXXX dollars in XXXX separate payments prior to XXXX/XXXX/11. 
Experian is reporting an account that is inaccurate for the fraudulent illegal charges of the creditor/furnisher, XXXX OF XXXX XXXX, SD. 
Now, as of this moment, Experian is KNOWINGLY and WILLFULLY reporting damaging information that is illegal for Experian to report for XXXX more day, regardless of any comment, e-oscar update, anything supplied by the furnisher.I suggest if Experian ca n't afford a lawyer they can call the CFPB AND FEDERAL RESERVE toll free at no expense and confirm what I have said.Any competent laymen employee could get this done. 
I will seek judicial redress at some point and this is a record of my attempt to mitigate my damages.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (MO)

I was dealing with an HVAC and they told me that they could offer me 0 % financing for 36 months through Wells Fargo. I thought the financing would be an installment loan. I gave my info directly to their office and they applied for the credit on my behalf so I did not see the application until they came to install the HVAC. A couple of weeks after I was told I was approved I received a credit card in the mail and my credit score dropped by over XXXX points because it was processed as a credit card not an installment loan. Worse I have to pay back the card in equal installments for 36 months instead of as a traditional credit card.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IN)

I lost my home due to a fire in 2013. Wells Fargo Mortgage was given a check by my insurance company who is XXXX. Wells Fargo stated they would issue the funds according to the progress on the rebuilding of my home. My contractor was XXXX XXXX XXXX XXXX, but the checks were written To XXXX XXXX, who is the owner of the construction company, and myself. I kept telling Wells Fargo that something was wrong and hired an attorney to fire the construction company, but Wells Fargo said no. XXXX % of the funds to rebuild my house were issued to XXXX XXXX. Wells Fargo inspectors claimed my home was 65 % complete so I signed the check and handed it over to XXXX XXXX. Since then, three years have passed, and I have continued to pay my mortgage on a home that is still yet unlivable. I called the city of XXXX IN building department to review the work completed, and my home has not passed city codes for any trades men workmanship such as electrical, plumbing, framing, foundation, HVAC, plus my home was never red flagged by any one from the building commissions of the city of XXXX.I have found someone who can fix the problems, but Wells Fargo & XXXX refuse to release the remaining funds. Wells Fargo is still holding XXXX and XXXX is holding XXXX. The work needs to be done before winter and I ca n't get either company to release my own money, as I keep paying my mortgage. I ca n't pay indefinitely without any hope of going home.Wells Fargo has given XXXX different completion results since work had stopped last year,XXXX % XXXX % XXXX %? How, can my home be XXXX % complete, there is no perimeter foundation, framing has been done incorrectly. The contractor cut into the support beams to run the plumbing, which has compromised the integrity of the build. I ca n't continue to pay on a house that I ca n't live in. The funds that I was receiving for loss of use are long gone. I have n't been able to get anyone to help me resolve this situation. The contractor is no longer on the job, and has n't been for some time. He took the money and ran. I have asked for an accounting of the funds that he was given and to date, have received nothing back. Wells Fargo wo n't help me, XXXX wo n't help me, and the contractor wo n't return my calls. This is a small home, but it was my home, all I want to do is go back home. There is still some money to being held, which I feel could get me back into the shell of a home, with heat and walls and correction to the frame and foundation. I am turning to you for help!
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (PA)

Hello : It has come to my attention that all or most of the credit card companies collaborated recently to start charging ridiculous late fee and interest charges on the balances, if the due date is on the weekends, when all financial institutions including the credit card companies are closed for business transactions. 
Therefore I would like the CFPB to send a memorandum out to stop this unlawful practice by the credit card companies. Why should their customers send XXXX dollars to them one or two days ahead of the due dates instead of them waiting for the next business day to receive the amounts? 
Your advise and action would be highly appreciated. 
Thanks,
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (FL)

I recently received my credit report and noticed there are inquires  on it that are damaging my credit score and my ability to obtain new credit is being jeopardized. I formally request that all non account holding inquires be removed immediately.
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

There has been fraud and robo-signing going on with the companies that handle our note and Deed of Trust! A complaint will be filed with the CFPB and other agencies in the near future regarding this issue. We are requesting the following information to complete our investigation before we file the fraud and robo-signing complaint with all supporting documentation including a third party investigation, with federal and state agencies! 
Now ; we send our monthly mortgage payments to Ocwen Loan Servicing, our servicer. Our trustee is XXXX XXXX XXXX. Again, I am requesting the following information in writing with documentation! 
First, provide documentation on who Ocwen Loan Servicing sends our monthly payments too. 
Second, provide documentation of when ( dates ) Ocwen sends our payments. 
Third, provide documentation of how much ( amount ) Ocwen sends each month. 
Forth, If Ocwen sends our monthly mortgage payments to XXXX XXXX ( our trustee ) as suppose to be, then Ocwen Loan Servicing must request additional information from XXXX XXXX! 
Fifth, has XXXX XXXX XXXX kept any of the funds that have been received by Litton and Ocwen Loan Servicing since 2006? 
Sixth, provide documentation on which investor did XXXX XXXX XXXX send our monthly payments too going all the way back to XXXX XXXX XXXX, our original lender on XXXX XXXX 2006. 
Seventh, provide documentation on how much did XXXX XXXX send each month to the investor? 
Eighth, provide documentation of the dates when XXXX XXXX sent the payments? 
Ninth, provide documentation on the type of payment sent to the investor? ( check, electronically, ETC ) Be warned, do not add any other information with in your response other than what is requested with in this complaint, otherwise more complaints will be filed against Ocwen Loan Servicing!
Consumer complaint received 2016-08-26
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (GA)

I received a call Monday around XXXX that I have medical debt of {$610.00} dollars that was owed to XXXX XXXX XXXX XXXX from 2013 that I was never made aware of. Since Monday, this company First Financial Investment Funds ( First Financial Asset Management ) has called everyday 8 times a day. They keep calling after I asked them to not call me again. I asked them on Tuesday to send me a bill in the mail at which point I will pay my debts, however I would not be doing so over the phone. Representatives are very rude and do not sound like legitimate company representatives. The reps will not let you get off of the phone with them and it 's always the same people who pick up the phone.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Recently, I reviewed a copy of my credit report and noticed several inaccuracies with the following account, which is negatively impacting my ability to obtain credit. I understand that the credit bureaus are required to investigate accounts to ensure their accuracy. Below is the account I am requesting you to verify as accurate : Account Name : XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX VI, Section XXXX, Subsections A-D, please provide the names and business addresses of each individual with whom you verified the account, so I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation. 
Upon further review, I also discovered several inconsistencies in the reporting of this account across multiple bureaus, causing inaccuracies that must be corrected. 
Furthermore, under the XXXX XXXX ( XXXX ), financial institutions are obligated to protect consumer privacy. The continued reporting of this inactive account poses a risk of unnecessary exposure of non-public personal information.
Consumer complaint received 2024-10-06
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. (TX)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and has violated my rights.. 

XXXX XXXX : # XXXX XXXX XXXX, XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX I looked at my Experian credit report and noticed some things are incomplete and not accurate. 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, as stated in 15 USC 1681 ( e ) ( b ).

Furthermore, under 15 USC 1681i, I am requesting a reinvestigation of this/these item ( s ). Please provide me with a copy of the results of your reinvestigation.

According to 15 USC 1681c-2, if any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified after reinvestigation, 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.

Additionally, under 15 USC 1681s-2, furnishers of information to credit reporting agencies are required to provide accurate information. They should 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.

According to 15 USC 1681c-5, treatment of inaccurate or unverifiable information requires that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if 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.