davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (WV)

My loan with XXXX XXXX XXXX was sold to SPServicing in 2013. I requested assistance with a loan modification due to a {$30000.00} dollar decrease in income resulting from the need to relocate to assist a XXXX child. I have submitted the documentation as requested repeatedly, submitted additional documentation, and when requested updated documentation due to an almost 2 year long process. To date I have not receive a modification or resolution of any kind. I initiated this process because I was having difficulty paying my monthly mortgage payment. At the outset I was only a few months behind, however over the past year and eight months since I began the process I have fallen further and further behind on mortgage. 
This company touts their caring nature and states their desire to assist in obtaining a loan modification, and prevent foreclosure, but this is not my experience with SPServicing. I do n't feel that they have acted in good faith or made any effort whatsoever to assist me although I have appealed to them in good faith. I wish to learn what recourse I have in terms of working with an agency that will truly help prevent the loss of my home and assist me in obtaining a modification that is more in line with the value of the home, a better interest rate, and a more affordable monthly payment.
Consumer complaint received 2024-11-23
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2016-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NC)

I was initially set up on a progam where funds were auto drafted monthly. I noticed they funds were n't being deducted I reached out to customer service who assured me I was still in good standing. The following month is was the same situation I once again called a XXXX XXXX representative who informed me everything was still in good standing and not to woy they would notify me when the program ran out so I could call back and requalify. No my student loans are ove {$800.00} dollars behind. I have XXXX XXXX XXXX on several occasions to set up a payment arrangement to bring everything current. None of reps were willing to help There only option was to pay it all then I could set up a payment arrangement. It waslike my prior XXXX calls had gone in vein. Based on my current income and and the amount of debt I 'm currently in I was asking for the lowest payment possible never neglecting the fact I owed them but wanted a lower payment. I even had XXXX rep to tell me borrow the money from someone to make the payment. Some type of customer service XXXX XXXX has. I wish I would 've never taken out a student loan with XXXX XXXX because they refuse to help you when you actually call they to set up payment arrangements and then all they do is harass you.
Consumer complaint received 2015-05-29
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (FL)

I have received numerous calls from ( XXXX ) XXXX attempting to collect a debt I do not owe. The alleged debt is over 16 years old. The most recent caller claims to be XXXX XXXX calling about a " case '' that has been placed with their " legal division '' about a " petition for judgment '' that has been " filed against me '' and they will be processing through XXXX County Courts. XXXX XXXX then goes on to say it would be in my best interest to call him immediately and left a number of XXXX ext XXXX with a " case number '' of XXXX. XXXX XXXX also called my husband and left the same message implying that I had been or am being sued and a judgment has been or will be obtained against me. I have heard from family members and friends that they have received similar phone calls as well. I have explained to other callers from this number that I do not owe the debt that they are trying to collect but they insist on continuing to call me. When I do not answer the phone then they randomly call a member of my family or friend to call and leave the disturbing message. This clearly rises to the level of harassment. Further, I believe it is a clear violation of the Fair Debt Collection Practices to insinuate a legal action has occurred or will occur when it has not and they have no intention ( because they can not ) bring a legal action against me. Likewise, I believe it is a violation to insinuate there is a judgment against me when there is not. Please contact this company so that they will cease contacting me and other consumers in this manner.
Consumer complaint received 2015-12-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Coast to Coast Financial Solutions, Inc. (NC)

someone has used my information to open this account fraudulently from when my identity was stolen and this company continues to report this debt as mine when it is not .... I have filled out police report and identity theft affidavit in this matter and have had it notarized as to this account being fraudulent ...
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Subject : Complaint against XXXX XXXX for Failure to Properly Validate Debt and Potential FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX regarding their handling of my debt validation request and potential violations of consumer protection laws. 
On XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX disputing an alleged debt ( Account Number XXXX ) and requesting detailed validation as required by law. On XX/XX/XXXX, I received a response from XXXX XXXX that failed to adequately address my concerns and provide the requested information. 

My complaints are as follows : Failure to Provide Comprehensive Debt Validation : XXXX XXXX did not provide the detailed information I requested, including a copy of the original signed agreement, documentation showing the chain of ownership of the debt, and a detailed accounting of the alleged debt. 

Inadequate Response to Credit Reporting Discrepancies : In my initial letter, I raised concerns about discrepancies in reporting across credit bureaus. The company 's response did not address this issue, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Undue Burden on Consumer : XXXX XXXX 's response requires me to visit a branch location to obtain copies of loan documents, placing an unreasonable burden on me to validate the debt they claim I owe. 

Lack of Clarity on Legal Obligations : The response does not clarify whether XXXX XXXX considers itself subject to the Fair Debt Collection Practices Act ( FDCPA ) or not, potentially misleading consumers about their rights and the company 's responsibilities. 

Incomplete Information : The response does not provide any details about the alleged debt, such as the outstanding balance or the original loan terms. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX complies with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for the company 's failure to adequately respond to my validation request. 

Thank you for your attention to this matter.
Consumer complaint received 2016-01-25
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (GA)

I currently use Paypal to operate an eBay business. This business is an XXXX. Paypal has the businesses XXXX ID number, the bank account number, and access to my eBay account. Currently they are withholding over {$2800.00} in sales based on their {$3000.00} base limit for new accounts. However this account is n't new. It 's 3 months old, shows over XXXX transactions, generated over {$12000.00} in sales, and there is 100 % good feedback. The issue is Paypal refuses to release funds where the product has been paid for, shipped, and received. Instead there is a 21 day hold on all transaction after the initial {$3000.00}. This causes an enormous amount of stress for my business with its ability to purchase more inventory and to continue to build. I 've tried to talk to many representatives at Paypal and they pretty much say " Oh well ''. 

There is no reason for my business to be treated as a individual. Even a bank only has a 14 day hold on checks and that 's generally random and does n't happen too often. I would like my funds released so I can build my business, buy more inventory, and generally cover my operating costs.
Consumer complaint received 2016-02-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Continuously called, when answered they hung up. I called back to discuss the issue and when I advised that we would be taking care of the debt soon and mentioned the possibility of bankruptcy they representative hung up. The call was not clear, their systems sounded as if I was speaking to a robot the whole time. If they truly want to collect funds they should communicate with clearer phone lines and not hang up on someone that was willing to actually answer their call and even call them back.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I disputed inaccurate information reporting on my consumer file with TransUnion on four separate occasions, but they failed to respond in a resonnable time frame. I first reached out to TransUnion concerning the fraudulent account on my credit file on XX/XX/year>. However, after many attempts from me to resolve this issue, TransUnion is still reporting the account on my credit file. It is important to note that this account was found to violate my rights and was removed in XX/XX/year>. I also informed TransUnion that the furnishers of the information are most likely unreliable sources and/or giving them false information about me. I'm now seeking a remedy. In accordance with the Fair Credit Reporting Act This account violated my rights : XXXX. This account is inaccurate, incomplete and not adhering to compliance standards. I require that any mistakes be fixed permanently. 
On XX/XX/year>, I also requested another investigation with TransUnion into the matter. However it has been more than 90 days and TransUnion has still not completed their investigation or they just ignored my request. For that reason I demand that this account be removed from my credit report for good seen that it is way outside of normal investigation period. 
According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. It is important to note that I previously requested the information that TransUnion used to verify the accounts with the creditor but did not receive anything even after 90 days of my demand letter. TransUnion must remove the account from my credit report in a reasonable time frame and inform me of the outcome.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # XXXX 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 2015-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

There are XXXX different amounts from some medical XXXX thing from XXXX. I have no idea what the {$400.00} & {$800.00} are for. I have medical insuranc and I have never received a bill or anything. I think that these XXXX items that are in collections are not mine but someone else 's and somehow they were incorrectly placed on my credit report. I have medicaid as insurance and I have been on medicaid continually since XXXX, so I know that I would not have those anesthesia charges because all of the medical things that I have to deal with are covered by my insurance. I am only responsible for a {$3.00} copay. I am thinking that it is possible someone may have used my identity and that is what these are from. This is the first time hearing about these items that are on my credit report, should n't I have known about this like 5 years ago which is what the date is on the report. Now the one in collections from XXXX I know is correct. However I did sent XXXX a check last month paying off a bill. But I am not sure if it was the one that is in my credit report or if it was a recent bill. I am not disputing the report from XXXX, only the other XXXX. Thank you. My number is XXXX. My email is XXXXXXXXXXXX and my address is XXXX XXXX XXXX XXXX, NC XXXX if someone could contact me about this.
Consumer complaint received 2015-11-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I paid my vehicle off and received the pay off letter from Santander Consumer USA on XXXX/XXXX/2015. The letter states to allow 30 days for the credit reporting agencies to update their records. As of today 's date, XXXX XXXX, 2015, XXXX shows the account as a Repo with an out standing balance? The vehicle was taken XXXX XXXX and I picked it up the same day? The following month it was paid in full. Santander credit dispute department states they forwarded the information to all XXXX credit reporting agencies. XXXX is saying they never received it? The 30 days to update has passed. I would like for the status of that account to show " Paid in Full ''.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau ( TRANSUNION ) responded that key factors will not be deleted. Why? XXXX responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each one of these disclosure information pages appear to be identical to each other. I am shocked that one of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from XXXX ( XXXX-dated XXXX/XXXX/XXXX ; XXXX ( XXXX-dated XXXX/XXXX/XXXX ; TRANSUNION ( XXXX-dated XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.
Consumer complaint received 2015-05-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torres Credit Services, Inc. (CA)

I have been receiving a call every day from this phone number starting XXXX weeks ago. Every time I pick up the phone, either the other party hung up or not said a word. I searched on the internet and found that it is a debt collecting company. I do n't own any debts so I never bothered to call back. I also blocked incoming calls from this number because it is very annoying! At a result, they just leave me a XXXX second long empty voice mail everyday. Seems like many people on the internet have suffered through their harassment!
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I attached my latest report from XXXX XXXX, I tried to directly log into Transunion but, it says it does n't have my information available the last few times. 
I have XXXX account with XXXX XXXX XXXX, see attached. 
1- it reflects it is on a " payment plan '' it 's not it was paid in full through the court. 
2- it is not closed derogatory, it 's reflecting that because TU is in violation of the law. You ca n't report erroneous payment information and balances after the Chapter XXXX is filed, everyone is aware of the case. The judge suggested the bureaus just delete the creditor, simple as that : In re : Chapter XXXX XXXX XXXX XXXX, Case No. XXXX " Given all the facts and circumstances, including the Credit Union 's apparent good faith belief that it was properly reporting this debt, the remedy is for the Credit Union to cause the CRAs to remove the disputed information ''
Consumer complaint received 2016-01-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Ditech Financial did not pay my county taxes with my escrow funds they collect, this resulted in delinquent taxes with late fee 's, penalties and interest being added to my tax account. I contacted Ditech ( XXXX XXXX ) via email & Customer Service via fax on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 each time they said they would take care of the taxes. I spoke with XXXX at DiTech XXXX/XXXX/2015 he said they would pay the property taxes. XXXX/XXXX/2015 I paid the taxes myself including the late fees, interest and penalties ( receipt attached ). XXXX/XXXX/2015 Ditech ( XXXX XXXX ) was contacted and sent my receipt ( via email ) showing I paid the the taxes & penalties, he said they would reimburse me for the interest and penalties. I have submitted written requests to DiTech ( XXXX XXXX & Customer Service ) on XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 to reimburse me for the penalties and interest I paid as a direct result of Ditech inefficient servicing practices. This is fraudulent servicing practices and Ditech is in default of the service contract.
Consumer complaint received 2016-01-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc. (NY)

Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number.
Consumer complaint received 2015-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (OH)

I received a notification via a credit monitoring service that an account was placed into collections in my name on XXXX credit reporting system. The original creditor was listed as XXXX XXXX XXXX Hospital XXXX XXXX XXXX, and the collection agency was listed as Commonwealth Financial Systems , Inc . 

I called XXXX because the alleged debt would have been incurred six and a half years ago in XXXX 2009. I had already been advised by XXXX that my account was paid in full several years ago. When I spoke with XXXX they advised I did not owe anything and that they had not sent anything to a collections agency whether it be in the form of referral or by way of selling the debt. 

I called Commonwealth to discuss why they 're attempting to collect a debt which I had never received any communication, written or verbal, about the alleged debt. Commonwealth said they purchased the debt from XXXX XXXX, and that they " were not required '' to disclose to me the original creditor ( which is an inaccurate statement ). These phone calls were recorded, so this information can be validated. They also stated they had no information on the debt and refused to speak with the billing manager at XXXX, despite my authorizing her to speak as a third party concerning my account. 

I now have an account in collections on my credit report for which I was never invoiced, from nearly seven years ago. I am in the process of background and credit checks for a new job and I could lose this job opportunity as a result of this inaccurate information being reported to the credit bureaus.
Consumer complaint received 2016-01-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I am being reviewed for a modification. The amount of information they need and the time frame that they are giving me to get it completed is not acceptable. I previously filed a CFPB complaint and was told my foreclosure date was moved to XXXX/XXXX/2016 However I need more time to get my tax documents together. I need Wells Fargo to understand this and GET OFF OF MY BACK. I have also filed a Qualified Written Request of which they have not provided exactly what I am looking for. 
Someone needs to call me NOW