davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery ( PR ) has been excessively calling / harassing my home multiple times daily/weekly/monthly for over 6 months. PR began steadily calling my home from XX/XX/2018. They have been calling using 26 different phone numbers from all across the USA. Their calls disconnect when my answering machine turns on. Therefore, I do not know the reason for the call because they do not leave a message. I was forced to buy a phone with a block feature ( XXXX   recommendation ). When a specific PR phone number is blocked, they resume calling with a new phone number from a different state. My wife and I have been the only residents here for the past 10 years. We do not have nor had any debt. I have complained to XXXX regarding this harassment. XXXX contacted Portfolio Recovery on XX/XX/2018 at XXXX regarding the abusive calling. Portfolio Recovery would not provide XXXX with any information. I am registered on the do not call list and have filed multiple complaints about PR on the FTC web site. I was advised the contact your agency. Thank you.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I contacted Experian in regards to a Security Freeze I placed on my Credit File after having a credit card compromised and a subsequent loan opened under my name fraudulently. I having been trying to get the security freeze temporarily lifted for an auto loan provider without any luck. The insanity of the credit bureau for me to authenticate myself is to mail a copy of my social security card - which is a completely insecure route.

The monopoly that exists by the three credit reporting agencies is unheard of for any other industry.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have disputed an account with Experian several times with more then enough documentation to support removal of an account. The account in question is Originally from XXXX and is now being held by XXXX XXXX XXXX. They have since taken the balance down from {$730.00} to now {$500.00} after my last dispute. So even if that were valid then It should not be in collections or reporting as late because they had the wrong amount this entire time and therefore it was wrong to begin with. Unfortunately for XXXX and XXXX I have been sent 3 different documents from XXXX stating a {$0.00} balance is owed and the matter closed. Due to the lack of effort by Experian it is still effecting my credit negatively. If a mistake was made by either XXXX or XXXX, with all do respect it is not my problem. They emailed and mailed me confirmation of a {$0.00} balance and nothing being owed. Which i will hopefully be able to attach to this complaint as well. I will be filling a corresponding complaint with the Attorney General 's office as well as the FTC.
Consumer complaint received 2018-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I purchased an XXXX from a seller over the internet on XX/XX/18. I sent two transactions for {$300.00} and {$250.00} for a total of {$550.00} ( which was the cost of the phone ) via the banking app XXXX. I received a confirmation invoice but then the seller blocked my number and instagram and I am unable to contact them. I attempted to request {$550.00} back from them through the XXXX app but was told by Chase that they declined the payment. I was convinced that the transaction would be backed by my bank since it was linked to my Chase account. The seller did not respond to my texts or calls and has not issued a refund for the amount. I have not received the product and know this was a scam. I contacted Chase and they informed me they couldn't do anything because I initiated a transaction. They would not cancel the payment or put a stop on it. I tried contacting XXXX but was unable to get through to their customer service department. I think it is unfair that XXXX isn't backed by the Chase Bank even though we are able to send transactions straight from the app. 

I have attached the confirmations I received from the seller and the invoice. I also attached the email that was sent to me by Chase.
Consumer complaint received 2018-11-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NJ)

I refinance my mortgage with Selene Finance in XX/XX/XXXX. About the same time I received my 100 % VA XXXX rating. I sent them the info and the letter from the township verifying that NJ states that I am Property Tax Exempt. it took them about 3 months to update their records and refund me the escrow for my property tax. That decreased my monthly payment by about {$450.00}. Everything was fine until XX/XX/XXXX. I received a escrow analysts from Selene stating that I owed property tax and increased my monthly payment over {$600.00}. I called Selene on or about XX/XX/XXXX. During the call I was transferred to their Escrow department. While talking to the individual he stated that they received a property tax form from my township and said that it stated that I owed property taxes. The individual then called the my township on three way with me who then informed the representative from XXXX that if he simply looked at the second page, he would see that I owed {$0.00} in property taxes and as a 100 % VA rated XXXX veteran my property taxes were waived. Once we hung up with the township he said that he would update their file and forward with in there system and I should call back in a week to verify that everything was resolved. I then called back onXX/XX/XXXX and was told that it was still in work and expected their system to be updated any day because they had to perform another escrow analysts then to call back in a week to see if it was complete. I then called back on XX/XX/XXXX because I was ready to pay my monthly payment but it was still showing the higher monthly payment. Once again I was told that it was in the works and should be fixed any day now and give them another week and it was okay because I was not late on my payment until the 15th of  the month. I then waited untilXX/XX/XXXX to call back. this time I was told once again that their system should be updated any day and to just pay the extra amount and work it out later. I told the individual that I did not find this acceptable and I would like to speak to a supervisor. Once I was on the phone with the supervisor they told me that they had 30 days to re-accomplish another escrow analysts and that my only option was to pay the higher amount and then later dispute the charge and request a refund. I stated that how could they insist on charging me more money, when they were the ones that made the mistake by simply not looking at the whole bill and then make me fight them to get my money back. I was ready and willing to make my normal payment that I had been paying for the last year but they refused that offer. I refused to make a payment for the higher amount and now they are reporting me as being late on my mortgage. could someone please help me resolve this.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

The problem began in XX/XX/2017 when the Escro amounts changed in my monthly payments. It was found that there was an Escro shortage. I was given the option to spread out the amount of Escro shortage over 12 months. Changing my monthly payments from {$990.00} to {$1000.00} due in XX/XX/2017 and then {$1000.00} for the remainder of the shortage. NationStar AKA " Mr. Cooper '', recieved and cashed my check on XX/XX/2017 for {$1000.00} as per new agreement. The Nation Star then decided to attempt to pay the full shortage for {$310.00} causing the principle and interest amount to be $ XXXX.Because they did not follow the agreement to spread it out over 12 months, it created a shortage in the payment, causing it to not be able to be applied. The payment not being applied caused me to send another check for {$990.00} on XX/XX/XXXX to cover the payment for XXXX. This caused for {$750.00} to be left un-applied. I then made another payment XX/XX/2017 for {$1000.00} as per the new agreement to pay for the new Escro shortage. On XX/XX/2017 I was forced to issue a stop payment for a check that was cleared on XX/XX/XXXX that was never applied to my account. I was reported late on my credit report for every one of those payments, as a 30-day late payment. This is the reason for my complaint, because payment history shows that I was not at fault. Unfortunatley, these errors are negatively affecting my credit and ability to refinance this loan.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

I have recently been unfairly denied credit because of information that has been included in my file. I have recently reviewed the copy my Credit Report report and I have found information that I believe to be inaccurate. The letter stated it was due to SERIOUS DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH I have worked really hard to raise up my credit score and feel this information is not right and is inaccurate. Also all my accounts have never been paid late nor have they ever been delinquent.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I had a delinquent account with a credit score. I paid off the account in full in XXXX or so of this year. Filed a dispute they removed where it was delinquent but took my credit score to where it shows I have no score at all. How is it I had a form of credit but one bad mark against me. I pay it off. And it leaves me worse off then having a delinquent account. I thought it was to improve my score not take it completely away.
Consumer complaint received 2018-11-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (IN)

On XX/XX/XXXX I viewed my credit report and Sallie Mae is reporting on my credit report for the year XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX which I requested them to removed from my credit file and the customer service representative name XXXX employee number : XXXX. Stated that that's up to XXXX, XXXX, and XXXX  to remove after 7 years. I requested validation with evidence bearing my signature by fax. This company has a number of 6 different items reporting on my file from years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

Received a letter XX/XX/2018 from a debt collector on behalf I guess XXXX XXXX XXXX XXXX. I guess the debt collector is TransWorld Systems Inc. First time received about a debt costing {$330.00}. I have been reporting fraud to my bank services XXXX XXXX and XXXX XXXX about fraudulent claims. Unaware about XXXX  services costing {$330.00}. This statement or charge, Im claiming is fraud or possible fraudulent claim as well.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/2020
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt.
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The collection ( {$3100.00}. XX/XX/2018 ) on my Transunion report was wrongfully placed on me. It actually belongs to my relative who used my address. I sent Transunion the debt collection notice & medical bill with my relatives name as proof but they still said the collection stands. I contacted the debt collector and even they had my relatives name instead of mine in their system. It seems Transunion was NOT really doing any investigation on dispute and was not willing to fix their error.
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (VA)

XX/XX/2017 XXXX - I called and talked to the Collection Agency - Hunter-Warfield in XXXX, Florida. This is a wrong amount that they are trying to collect and has put on our Credit Reports for Me ; My Son and Daughter were on the lease for XXXX XXXX in XXXX, Florida. The Management Company they  are under is called XXXX XXXX. 

When we moved out ; we had a bed bug infestation in the carpet and flea infestation. They did not listen to any of the complaints of the infestation ; and instead charged us extra for a carpet stain ; which the carpet already had small stains when we moved in. 

Our next door neighbor moved out and they pulled up the carpet in her apartment and I believe the bed bugs and flees in her apartment came through the walls to our apartment. 
These apartment buildings take no claim when they do wrong but like to pass on to the tenant for the problems the whole complex was dealing with. 

I will pay {$400.00} but will not pay for carpet that was infested while we were there!!! 

I want this collection removed from my Daughter 's, Son 's and My credit bureau file as this is causing problems of trying to get another home ; or buying a home!!! 

They are still adding interest charges to a collection ; I believe they are not supposed to do that if it is in Collections making the collection larger and larger.!!! 

THIS IS NOT RIGHT TO DO TO THE CONSUMER!!! 

PLEASE CHECK INTO THIS FOR ME PLEASE!!! 

HUNTER AND WARFIELD - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX fax - XXXX telephone no. XXXX or XXXX!!! 

Thank you for all your aid in this unscrupulous endeavor and behavior on behalf of the Apartment communities out here in the Country. Unethical Collection Practices on their tenants on move-out!!!

Financial Ruin of tenants to get other places to stay by putting on credit reports as open Collections!!!
Consumer complaint received 2018-11-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (PA)

They call and call and call and never say anything then hang up. They been doing this for over a year. About a year and 1/2 ago we managed to talk to some rude person that said we ow money. They would not tell us for what. We told them they had the wrong people and had no idea what they were talking about. We asked them to send us the information on what makes them think it is us and they refused. 
I would like to know where their office is and who is in charge and why they keep calling. I would love to meet them in person.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IL)

On XX/XX/2018, I had simultaneous unauthorized charges on three credit cards, and CITIBANK card was among them. Two banks set the red flags right away and blocked the transactions after getting my " No pay '' responses. CITIBANK ignored the fraud, so I was made aware of the fraud on around XX/XX/XXXX from the bank statement I got. I immediately called the CITIBANK Security department and notified them about the unrecognized transaction of {$4500.00} to some XXXX XXXX restaurant in XXXX. A thorough exploring of my credit report showed that CITIBANK knew about the fraud since they made an inquiry with XXXX on XX/XX/2018, a few days before I got the statement. So, the bank did not notify me of the suspicious activity on my account but started botching my credit score. Also, the CITIBANK initially credited my account with the above-mentioned amount on XX/XX/XXXX but reversed it the next day. In my chat session, the agent XXXX stated that this unauthorized transaction was NOT my responsibility ( I have a transcript ) but the bank further pursuit the idea that the credit card embedded chip was activated but have not submitted any evidence of this like a copy of the receipt and the alleged restaurant address. CITIBANK has spoiled my credit score due to improper operation of their Security department. 
Beside that CITIBANK stated that the problem has been resolved, which is not so, and thus mystified the Federal Trade Commission, which informed me on that.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation,
and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (IN)

I am the XXXX of the XXXX for XXXX XXXXXXXX and XXXX XXXX ( XXXX ) and have a savings and checking account for this organization with Wells Fargo. This account has been with Wells Fargo for at least 11 and likely more than 25 years. Last month, the account 's primary agents were changed to reflect a change in the XXXX   position ( I was newly elected ) and the business office moving to XXXX. So, the operations of this non-profit organization were relocated from XXXX Montana ( home of XXXX XXXX ) to XXXX, Indiana ( home of XXXX XXXX ). 

To conduct the exchange the old and new XXXXr and our accounting staff presented in person to Wells Fargo in downtown XXXX XXXX XXXX, Utah, where we provided identification, and organization documents ( meeting minutes and articles of incorporation, etc. ). This was a very tedious process because we received conflicting instructions in three separate phone calls to Wells Fargo. 

Today ( XX/XX/XXXX ) we received a warning letter that our account was to be closed because a business name mis-match and an unknown 'Certification Regarding Beneficial Owners of Legal Entity Customers form. ' This is an urgent matter, since we were given 20 days to report to a branch ( there are none locally ), to re-provide the information we provided in Utah in XXXX. Calls to the bank proved fruitless. 

So, we are a national organization, chartered in XXXX, who has been a client of Wells Fargo for perhaps decades, and they have threatened to close our account due to their loss of our identification, and/or update their internal banking records.
Consumer complaint received 2018-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MS)

I have reached the 80 % LTV threshold to remove PMI. Roundpoint is refusing to remove the insurance until XXXX. This seasoning requirement violates my rights under the homeowners protection act. I mailed and faxed my request on XX/XX/XXXX but round point has not acknowledged.