davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I opened an installment agreement with XXXX XXXX XXXX with the understanding this was a 36 month contract with no prepayment penalty. I paid it off in XXXX but they report that the account was late despite paying multiple months at a time. I submitted receipts and bank statements. 

They are violating Texas XXXX, and Im not sure what they feel they are accomplishing reporting false information. 

XXXX and Experian claimed they investigated the issue but obviously didnt even look at the receipts or contract
Consumer complaint received 2015-06-24
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Zenith Financial Network Inc (CT)

In XXXX 2014 I received a call from ZFN about a very old {$910.00} debt from XXXX 's Jewelers. The agent on the line said they were going to sue me for what I owed. I had just given birth to my son that same month and explained to him that I was on maternity leave and it would be hard for me to start a payment arrangement at that time but I would do so in the future. He told me I could settle or pay some outrageous amount. I said I needed to speak to my husband. XXXX minutes later the same agent called me back and said he talked to his client and he could do XXXX $ down and XXXX $ in XXXX payments. I explained it would be incredibly hard but he was saying I was going to have to pay legal fees if I was sued and that was their next step. So I agreed. I paid the {$150.00} in XXXX. When XXXX came I could not make a {$260.00} payment so I called ZFN. I explained that they pushed me into this agreement and I knew at the time I could not do it but I wanted to pay the debt and I could afford $ XXXX. They told me I was on a hardship agreement which I do n't understand because I was actually paying the EXACT amount I owed plus fees and if I had to change my payments it would have to pay a XXXX $ fee. Like I said I wanted it off my credit so I agreed. XXXX XXXX my husband had XXXX surgery and I was the only XXXX working so I called ZFN to explain that XXXX and XXXX might be hard for me to pay but I would pick right back up after. The rep said he could cancel XXXX to make sure my " debt '' did n't change offices. I said OK but if I ca n't do XXXX to can I call back and cancel that one he said " YES ''. So it is now XXXX I am barely paying current bills since my husband just went back to work and I called to let them know. The rep was rude and basically said to bad I cant help you. I do n't know who you talked to my job is to collect a debt. I explained I had kept up with my payments since XXXX and I really wanted to continue paying it. He basically blew me off and said " yeah and next month it will be something else. '' Then said " I 'll cancel them and you can deal with whatever comes. '' I only owe {$250.00} now I really want to pay it off and the agency basically lied and basically led me to believe they would do something drastic. I have also been paying the agency a XXXX $ processing fee every month for the money they want.
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (FL)

I have been paying my Dillard 's credit card online with my same bank routing number and account number I had inputted into the online pay system and saved in the online pay system since XX/XX/2014. The servicing on the credit card changed from XXXX XXXX to Wells Fargo sometime in XXXX 2014. The online pay system information was still the same and my access username and password was still the same. I did n't change any information I had inputted into the system. 

I never had issues with XXXX XXXX when they were servicing the card, but when it transferred over to Wells Fargo, Wells Fargo did not notify me that my payments were not going through and being applied properly. I kept trying to pay online and I would see the money ( payment ) as pending in my checking account, but then disappear and not be deducted after a XXXX of days. Wells Fargo was not taking the money out of my checking account even though my bank routing # and account # information was the same. 

I did not notice this until I got a letter months later saying my account was closed for being in serious delinquency and when I purchased my new car in XX/XX/XXXX, the dealer pulled up my credit score and I had no idea why it was low. It was n't until I checked and it was due to this affecting my credit rating as well. I have attached XX/XX/XXXX XX/XX/2014 's statements so that you can see how they were not applying my payments and did not notify me of this at all. I am still paying my credit card because I do not want this to continue affecting my credit.
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (MA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2024-08-27
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 US.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-06-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was approved for HAMP on my XXXX mortgage over a year ago. XXXX of my mortgages ( XXXX and XXXX ) are serviced by Bank of America. After completing my XXXX mortgage modification under the HAMP program, my point of contact told me I would then be submitted for the HAMP XXXX program for my XXXX mortgage. It has been over a year now that I have been submitting paperwork for my XXXX mortgage. Bank of America kept sending me confusing paperwork that said " Thank you for applying for assistance on your mortgage '' however, it had my XXXX mortgage loan number on it. They could not get it straight that I was applying for my XXXX mortgage. I finally had to hire an attorney who has been working on trying to get Bank of America to recognize we are not applying for a modification on my XXXX mortgage again. We are applying for the XXXX mortgage. For the past year the only response I have received from Bank of America are denials and now something called an " Extension Program ''. My attorney said they have never heard of this program. We have looked it up online and there is nothing regarding this program. My attorney has been calling Bank of America now for several months asking for an explanation of this program and no one at Bank of America can explain what it is. Today is the XXXX time my attorney has set up an appointment with the person assigned to this mortgage and they never call. The only explanation in the past that was ever given to me regarding this program is that " I just need to make the trial payments and take the offer ''. How can I take an offer for something that NO ONE knows what it is??? This is unreasonable and I am not willing to agree to something that has no explanation. I also do not understand how I can be approved for HAMP on my XXXX mortgage and then not qualify for HAMP XXXX on my XXXX mortgage.
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (LA)

A company identifying themselves as Enhanced Recovery Company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a 'personal business matter '. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. 

Calls always come while I am at work, wasting my time, and my customers time. 

Calls are coming from the following numbers so far:XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo this morning since I was told last night I was sent to their Lost and Found Department. 
I was told my account is on hold. I was never given an explanation as to why my account was flagged in the XXXX place. 
I called and spoke with XXXX in the Executive Office Banker # XXXX of the Lost and Found Department. 
When I asked her what the problem was, and why my hold is on hold. She processed to read to me several times that Wells Fargo can terminate my account at any given time for no reason. She kept repeating the same phrase. She was unable to provide any direct examples, or point out any issues what so ever. 
XXXX, I get paid and get deposits. This has been the case for months. I have never been advised by Wells Farog that there is any issue. I attached copies of my current bank statement as of this morning. You can see my transactions, and there is no issue whatsoever. 
Why I am being discriminated against? 
Why can I NOT bank in peace like everyone else? 
Why is my account being flagged for no reason? 
XXXX has given me a hard time because she felt like it. So, who is advising her to do so? It must be nice for her to do as she pleases with my bank account. 
It seems to me this is being done so that I have financial hardship for no good reason. 

I have attached XXXX photos. 
1 of current bank statement with current purchases all of which are normal. There is nothing outstanding or strange on my end. 

2. A photo for which shows that I am directly blocked from accessing Wells Fargo Website. Why? Why am I being blocked from banking with Wells Fargo.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Public Record that reflects on my credit history has been resolved with the XXXX.But It still shows me having a tax lien.I Had a payment Plan Set Up with The XXXX and Im just about nearing the payoff date.I do have records of these payments made and the current balance.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Another woman with the same name XXXX XXXX lives in XXXX and has either used my social security number or the Original Creditors have added her information to my Credit accounts along with bills from local hospital. Experian has been notified today. 
Also a business was listed as well on my home address that has never been established at this residence. I have rented for the last 13 years and that is also inaccurate information that needs to be removed. 
Some addresses are also being removed that I have never lived.
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SUNRISE CREDIT SERVICES, INC (CO)

I received a letter from Sunrise Credit Services , Inc in XXXX, NY notifying us that we have a balance due of {$32.00} for XXXX XXXX. After thinking about it, I realized that yes I did receive the magazine but it was always paid for in advance and that I should n't owe any money. I called Sunrise Credit this morning to inquire about this and to determine when it was due. I was told there was nothing due but they worked for XXXX XXXX in order to renew my subscription. I asked them if I owed any money and all she said is do you want to renew. I said 'no ' and she told me to have a nice day and quickly hung up. This is an extremely unfair way to convince people to renew magazine subscriptions and upset me thinking I had a debt that went to a collection agency.
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Springleaf formerly AGF continues to report a debt on my credit report " Settled less than full ''. This debt is not mine. It may be a credit line opened by my wife. I believe she settled it in 2011. I did not co-sign or have any knowledge of the transaction. Springleaf reported it on my credit in an attempt to bully me into paying my wife 's debt. After it was settled by my wife they continued to report it on my credit. Over the last XXXX years I have paid all of my creditors and other than my mortgage I am debt free. My credit would be excellent except that this company keeps putting my wife 's debt on my credit report. I have spoken with them many times and they are unable to come up with any evidence that the debt is mine but they continue to report it. I have disputed it with XXXX and they come back " verified '' but wo n't cant produce any supporting documents or tell me how it was verified. My complaint is against Springleaf for deliberating putting incorrect information on my credit report and against XXXX for not properly investigating.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I have a checking account with wells Fargo that was in the negative for 6 weeks after I continually asked Wells Fargo to refund some of the NSF charges that they charged me, which was XXXX. They refunded XXXX, I expressed me begin a valued customer and I am interested in bring my account in the positive could they refund XXXX more fee. I had originally asked for XXXX, but they only refunded XXXX. So I continually asked for XXXX more. They said no. After my account being in the negative 6 week. They took money from my other checking account without my authorization to clear the negative balance in the other checking account I have with them. The complaints I have is that Wells Fargo was not welling to refund XXXX more fee, which financially would have made me able to settle the negative amount. The other complaint is they took money from my account without my authorization.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

A payment of {$1500.00} was sent to Ocwen on XXXX/XXXX/15 as an additional principal payment on my loan. another payment of {$1800.00} was sent on XXXX/XXXX/15 as the actuall mortgage payment. Ocwen added a fee of {$49.00} to my statement assuming that the {$1500.00} was the true mortgage payment of {$1500.00}. They adjusted it, yet continually re-add the {$49.00} fee to my statements so my principal balance is always {$49.00} higher than should be. 
In frustration I sent a letter to ocwen on XXXX disputing, and they continue to say account is corret.
Consumer complaint received 2015-06-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: MST Financial Services, L.L.C. (WA)

I paid a bill to XXXX XXXX XXXX on- line for XXXX. They continue to bill me this amount. I called them, because I could view that the total had cleared my bank.When i called XXXX, they claimed it went to pay old debt to Chapman Financial Services. I contacted Chapman FS, and asked them to show me that my account was credited this amount, they only used the information I gave them to continue calling me and sending me a new bill for XXXX. No where-in any questions or billings has the amount been-the amount showing on my credit report estimated XXXX??? 
this whole thing seems very fishy on both parts of XXXX XXXX XXXX and Chapman Financial Services
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have a BofA credit card, and did some balance transfers to this card in early XX/XX/XXXX, which included a promotion of something like zero interest for a year or so. Every month since the transfers, there were the interest charge calculations available on my statements so I knew when I had to have certain balances paid off by to avoid interest changes kicking in. Since XX/XX/XXXX, this entire section has been XXXX out ( every month since ) and I 've had to call to verify the amounts to ensure ( for myself ) that I know balances. Its seems to me that leaving these sections blank, anyone could easily overlook what their promotional amount balances are and would easily fall into the trap of interest kicking in. Are n't there laws regarding disclosure on statements that the credit cards should be following??
Consumer complaint received 2015-06-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

A collection agency is trying to collect on a debt that has already been paid. The original creditor ( XXXX XXXX XXXX ) was paid by the XXXX XXXX XXXX. The XXXX also committed XXXX fraud by billing XXXX after they had been paid by the XXXX XXXX XXXX. I am being harassed because I am a senior citizen living on a fixed income. I was an inmate in the XXXX XXXX XXXX. I am not responsible for a {$110.00} medical bill. The city of XXXX, Virginia is responsible for this bill. I never received any medical care from the XXXX XXXX XXXX. I am a victim of harassment by The Credit Control Corporation. The Credit Control Corporation is conspiring to defraud and extort money from me for services that were not rendered.. The Credit Control Corporation is also guilty of conspiring with the XXXX XXXX XXXX XXXX to defraud XXXX out of money that was not owed. XXXX paid a claim for services that were already paid by the XXXX XXXX XXXX for services that were not rendered. This is fraud in its most quintessential form. The Credit Control Corporation is violating my civil rights by putting false, inaccurate information on my credit report. There is no record that I ever received any medical care. I never signed any forms or papers requesting services. My signature does n't appear on anything. I was never there.
Consumer complaint received 2015-06-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: iFreedom Direct Corporation (MI)

We bought a home and used ifreedom direct and dealt with XXXX XXXX. We used a VA loan and had to put {$500.00} in an escrow account to tear down our shed and we were told by XXXX that they 're company would cover the re-inspection fee after the removal. We closed on the home in XXXX 2015 and just completed the work and got a refund check for {$400.00} and it stated on the check there was a {$100.00} fee for re inspection and I emailed XXXX and she stated her company usually covers that but because we were given credits at closing they were not giving anything else out. I sent an email back asking where in our paperwork that it stated that & even an amount of the re inspection fee, and that infact I had emails from her stating numerous times we would n't have to being more money to closing and XXXX minutes before our closing we were told we had to bring over {$1500.00} and infact XXXX had asked the manager for the title company to tell us not to contact her ( XXXX ) or we would n't close. We were also told our rate would be 3.5 % and at the last day we were informed that it was actually going to be 3.875 % and that 's why we got credits at closing. It has been a nightmare dealing with this company and the things they have pulled especially on a veteran!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.