davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AAA Collections (SD)

Actually XXXX of the above. Our bills through them are medical. A failed XXXX XXXX at XXXX XXXX that totally XXXX my wife. Patient relations understands this and has told me, " just send what you can, when you can. I have documentation, cancelled checks and bank records showing I am making payments, more than I should but, even after advising them NO MORE CALLS, every day they call, some time several times a day. WE had to finally have a block put on our phone. They had called my work office and even advised my supervisor who they were and why they were calling. Disclosing my debt info to her! They even asked for my we whom they know to be XXXX and is not working. Especially at my place of employment. My supervisor can attest to this as they called several times after being told not too. " I make regular payments to these people and they constantly harass us for more, more, more.
Consumer complaint received 2015-09-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (FL)

In XX/XX/XXXX, I had a car on loan with Consumer Portfolio Services. After medical and subsequently financial reasons, I could no longer keep the car. In late XX/XX/XXXX, after continued harrassment and threatening calls from CPS to me, my parents and friends, I agreed to give up the car. I was paying CPS {$450.00} per month, which exceed the value of the car and loan amount. There were times when I was late, but was always able to catch up. CPS sold the car for approximately {$5400.00} ( which would indicate the mint condition of the car ). CPS starting contacting me, my parents and friends again stating that I now owed them {$8000.00} more. I finally ended up changing my telephone number, but my parents are still called with scare tactics as if they are personal friends of mine and something has happened. My mother has called several times worried until I was able to calm her down. I recently pulled my credit report and discovered that CPS is falsely showing that I was paying them {$47.00} per month in order to keep the account open. I am not able to purchase another car as my credit report reflects that CPS are still holding the account open four years after selling the car. I pray that something can be done regarding this matter. I appreciate your consideration.
Consumer complaint received 2024-08-27
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. (NV)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-04-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WA)

This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. 

LVNV is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.
Consumer complaint received 2015-12-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I made a payment and satisfied a credit card debt in XXXX of 2015. I Never received a letter stating that it was paid. I just realized it is still showing up on my credit report as not paid so I called them and asked them if they could send a letter out that I paid it. They acknowledged that I did pay it but refuse to send a letter. They said that all their letters are approved by their legal counsel and they 're not allowed to send letters stating the debt was paid on a certain date. They only sent a letter stating that I do not owe anything but it has the date the letter was sent not when I actually paid it. So if I send this to the credit bureaus they would think I just paid it when in fact I paid it almost a year ago. This will prevent the account from dropping off my credit report for an extra 11 months.
Consumer complaint received 2016-01-27
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CIT BANK, NATIONAL ASSOCIATION (OK)

Was trying to get approved for home loan. Was turned down because Cit Bank NA reported on XXXX late payments and a foreclosure on my credit report after i filed chapter XXXX and never reaffirmed from advice of Bankruptcy Attorney
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

Equifax refuses to provide paper documents to prove that the United States Bankruptcy Court for the XXXX XXXX of NC is reporting bankruptcy number XXXX is indeed being reported to Equifax. This involves a dismissed chapter XXXX bankruptcy. I have noted to Equifax that I have spoken with the Clerk of the Bankruptcy Court and they are no reporting this bankruptcy any longer, however Equifax refuses to remove it. XXXX and XXXX have removed the bankruptcy and are no longer reporting it.
Consumer complaint received 2024-10-17
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NE)

On XXXX/XXXX/2014 I received a hard inquiry on my Equifax credit file from " XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX ''. I have never done business with or applied for business with that company. I disputed the inquiry with Equifax and they told me that they could not do anything, I would have to dispute it with the creditor. I called the number they provided me with ( XXXX XXXX XXXX ), no answer ; however, I got the voice mail for a man by the name of XXXX XXXX. The number Equifax provided me with is not for XXXX but some random man by the name of XXXX XXXX. This is my formal complaint to get this issue taken care of.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (FL)

From XXXX 2015 to the present, I have been contacted, repeatedly, by " XXXX XXXX '' to collect on a debt that was previously paid to another debt collection agency. After reading BBB reviews and online complaints, DRS has engaged in multiple violations of the FDCPA and FCRA, XXXX. This debt collection agency is operating via extortion and fraud and identity theft. In addition, DRS continues to collect on past statutes of limitations, and in some cases, " phantom debts. '' And, after XXXX complaints in the last 3 months, I would hope that the CFPB took notice and opened an investigation.
Consumer complaint received 2016-02-12
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NV)

I have already filed 2 complaints against Wells Fargo and on both i had disputed both and neither dispute has been received so i have to dispute by submitting another complaint. first # is XXXX, the second # is XXXX. Now this is my 4th attempt to deputed Wells Fargo 's last reply to my complaint. I feel they have done some of the things that i had requested. I did receive my debt in writing and now am willing to talk to them but if Wells Fargo seriously feels that there are no errors with my statements or with the amount of debt it owe then i will hire a lawyer tomorrow. but if Wells Fargo might read my letter and answer the questions i had asked a year ago, and correct the over charges in outstanding fee balance of XXXX or even explain some of the things that i am a little confused about we are willing to sign a new loan modification, but the wording of the contract i would like change a little and my XXXX XXXX money i seriously do n't feel it 's $ XXXX is lower then we got a deal. I think Wells Fargo and My Husband and I can equally agree on something. my home is supposed to be auctioned tomorrow, i would also hope it will be postponed/ cancelled. Thank You
Consumer complaint received 2015-04-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My Primary mortgage XXXX, that has been the subject of previous communications has been foreclosed, or more precisely the foreclosure sale date has been set for XXXX XXXX, 2015. 
I applied for the NC Foreclosure Prevention Fund, for the MPP. The sale date was stayed. In XXXX, I was notified by MPP, that my application was removed for consideration, so the foreclosure sale date was set for XXXX XXXX, 2015. 
I have a pending sale date on another property that I own, that will provide enough cash, to reinstate my Primary Mortgage. This sale of this other property, has been delayed by weather ( rain ), the surveyors are behind schedule on several of their clients and can not perform duties until after the foreclosure sale date. This was true for several surveyors. 
I request that the Foreclosure sale date be deferred for 2 months, to be sure the survey and closing can be completed. Closing will occur asap, I request 2 months, to allow enough time, in case there are further delays, preventing surveyors, closing attorneys, etc from completing their tasks, especially in consideration of this busiest time of year, for real estate.
Consumer complaint received 2016-02-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (WA)

To start, I have repeatedly asked Wells Fargo reps to opt me out of overdraft protection ( as I had been repeatedly enrolled into it automatically ). This finally happened last year when I was told that occasionally charges would still go through ( due to " systemic '' issues ), and if that were to happen, I should come into the branch to get any overdraft charges reversed. This happened once on XXXX, three times on XXXX, and twice on XXXX. I went into the bank to get these overdraft charges reversed and was told something new, that overdraft protection only applies to charges that are made from my debit/credit card and not to charges routed through the bank account like checks. Since the charges were made from my XXXX card, which routes through my bank account, my account was overdrawn. Additionally, after Wells Fargo initially approved the charges ( against what I had been told would happen ), they then cancelled the payment the following day. When I asked why the bank first approved the payment and then cancelled it, I was told by a rep that Wells Fargo " tries to be helpful '' by " giving me until the end of the day to cover the cost of the charge. '' When I said that first approving the charge and then cancelling it was not helpful ( I would have no reason to put money into the account if it is not supposed to be overdrawn, and in this case I was not notified that an overdraft charge was approved until the next day ) I was told, " That is how banks work. '' When I pressed on this issue, and asked why does n't this bank just not approve charges if there is no money in the account, I was told " That is just not Wells Fargo 's policy. '' It got even worse from here - after Wells Fargo initially approved and then cancelled the payment, XXXX ran the same XXXX transactions, which were again approved, again incurred fees, and again cancelled at the end of the day. This racked up a total of {$350.00} in overdraft fees, only half of which the bank reversed.
Consumer complaint received 2016-01-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Our HELOC loan was sold by XXXX to XXXX ( XXXX ) and then to SLS. We have made consistent payments with additional " principal '' and submitted on time to the servicing companies. After noticing not much reduction in the balance, we questioned XXXX ( contact no longer available ) on several occasions and was given the " run-around '' or not responded to. Once XXXX sold the loan to SLS, we advise them of the issue and asked them to provide us : A ) Actual amount borrowed on HELOC. B ) Total amount of additional principal payments made. And, C ) Total amount of additional payments applied to loan.
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed {$7300.00} XXXX XXXX XXXX Balance Owed {$2600.00} XXXX XXXX XXXX Balance Owed {$1400.00}
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

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.

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 2015-12-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau Services, Inc. (MT)

XXXX XXXX, XXXX Dear CFPB, I have paid in full a medical collection account in the amount of {$940.00} from when I had and was treated for XXXX XXXX and they are refusing to remove the collection account. 
On XXXX XXXX, XXXX I was turned over to collection by XXXX XXXX XXXX, XXXX, Billing office XXXX, XXXX, MT. XXXX a division of XXXX XXXX XXXX XXXX by XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , MT. XXXX. 
After being denied a payment plan which was granted by all other affiliates and divisions of XXXX XXXX XXXX XXXX and after being turned over to collection there was back and forth about what was actually owed I received XXXX, XXXX ( division of XXXX XXXX XXXX XXXX XXXX ) statement dated XXXX/XXXX/XXXX in the mail with a balance due of {$940.00} which I paid in full within 3 days and have a cancelled check # XXXX in the amount of {$940.00}, see attached. 
Recently I pulled my credit and the collection account is showing on my credit report. I forwarded a copy of XXXX, XXXX XXXX/XXXX/XXXX statement and a copy of my cancelled check and the XXXX XXXX XXXX XXXX wrote back and stated ; See attached " Hi XXXX, Collection Bureau confirmed that the original creditor is XXXX XXXX and XXXX XXXX has not recalled the account and it still has a balance of {$1000.00}. You can call Collection Bureau at XXXX. '' XXXX XXXX CUSTOMER CARE SPECIALIST - FCRA CERTIFIED CREDIT TECHNOLOGIES XXXXXXXXXXXX XXXX EXT. XXXX I then called Collection Bureau Services , Inc. A Debt Collector XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, ( XXXX ) XXXX XXXX and spoke to the Manager, XXXX XXXX XXXX who confirmed the balance due is {$1000.00} and that XXXX a division of XXXX XXXX XXXX XXXX has not released the account. 
I asked XXXX XXXX, " IF I have a balance due then WHY have n't I heard another word from you in over a year, one year and four months to be exact? '' and XXXX replied " okay XXXX, okay. '' XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are in on denying me my rights to show a XXXX balance, collection paid on my credit report. 
I paid this bill ONE YEAR and FOUR MONTHS ago and this is the continued harassment from Collection Bureau Services Inc., and XXXX XXXX XXXX XXXX XXXX XXXX is blatant. I demand they remove this collection from my credit report immediately! 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MT. XXXX XXXX and XXXXXXXXXXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-01-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

Statement date XXXX/XXXX/2015 and the latest correspondence from Wells Fargo Home Mortgage. In depositing funds into and for my monthly mortgage for XXXX 2015 of {$300.00} and unapplied funds of {$540.00}, which sat in my account since XXXX XXXX, 2015. I asked the teller at the Wells Fargo route XXXX branch in XXXX, NC to total and add the deposit which totaled {$840.00} to my current XXXX monthly mortgage. She and XXXX of the bank supervisors looked over the account, saw that the unapplied funds were there and specifically asked " how would you like you 're deposit and unapplied funds applied ''?. To which I replied to my current XXXX monthly payment. In the latest statement dated XXXX/XXXX/2015, I see that my request was not honored and that when Wells Fargo received these funds, they applied {$170.00} to principal, $ {$420.00} to principal and {$220.00} to escrow. While the statement states Unapplied XXXX / Unapplied {$300.00}. I write this in frustration and awe as to the tactics Wells Fargo Home Mortgage displays on a daily basis when it comes to my account, as if this is a game to them. I hereby request a Forensic Audit on my account to clarify how the deposits that I have made, have been applied to my account. It is troubling to say the least that Wells Fargo continues to taunt customers into believing they can not understand exactly what is taking place. Especially when it comes to understanding ones account. I currently posses all of the deposit slips I have made and personally walk into the bank, speak and know bank managers personally when making my deposits and I do this for this very reason. Not to just exchange pleasantries, but to also make certain that all my deposits are accounted for.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I miss-placed and failed to cash an American Express rebate check/Rewards coupon for {$180.00} in 2015 by by the expiration date of XXXX XXXX of that year. I called American Express, explained what had happened and asked them to re-issue the check. They refused stating according to their agreement the check must be cashed by the expiration date. I checked, what it did not say was what happened if I did not not cash the check by the expiration date it did not say that I would lose the money if I failed to cash the check by the expiration date.