davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
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: Experian Information Solutions Inc. (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX   regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :
Consumer complaint received 2018-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (OK)

I have been receiving repeated phone calls on my landline from a recorded voice caller with a gruff male voice who identifies himself as a debt collector. The recording does not identify the company the caller represents. He demands I call them back at XXXX. My caller ID shows the call is from XXXX, Texas from the number XXXX. I called the XXXX number and asked who they were, The man told me they are XXXX XXXX XXXX. He said he had a number in this file from a certain person. I told him that no such person resides here. He said he would mark it as an invalid number and we should not receive any further calls. I can not understand why we are getting several calls each day from this so-called debt collector. I looked up the problem on XXXX and found numerous others that are also receiving calls from this same source multiple times each day and are very concerned. I contacted my phone service provider and set it up for them to try to block the XXXX number on my phone line, but, as you know, these companies keep calling from a different number.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I paid mortgage loan # XXXX in full on XX/XX/18 to Wells Fargo ... they have relayed the correct status to XXXX  and XXXX, but they have continued reporting delinquent on my XXXX  credit report, precluding my ankle to procure a loan for another property I want to buy ... .their errant and illegal reporting is penalizing me, by my losing a total of 2 properties now, as my lenders wont issue me a loan with this incorrect data being reported EACH MONTH..
Consumer complaint received 2018-08-24
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: Accelerated Financial Solutions, LLC (TX)

I have disputed this entry on my account with XXXX  bureaus as well as with Accelerated Financial. Accelerated Financial placed this erroneous, inaccurate entry on my credit report without providing a dunning letter or any sufficient documentation that would have informed of their intent to collect this alleged debt. The response I received from the bureau stated the account entry was verified ; however, I immediately sent Accelerated Financial ( see attached letter ). Accelerated Financial did not pick up the letter ( see attached letter ) that was returned to me undeliverable although the address I sent was the address listed on my credit report. How then was XXXX able to verify that the information was verified? 

By not providing the dunning letter as required by law and not picking up the dispute that was sent, Accelerated is in violation of my consumer rights. In my letter that I provided to dispute the validity of their account entry I specifically requested : *An agreement that states their authority to collect on this alleged debt *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary No correspondence was provided. This entry should be DELETED immediately.
Consumer complaint received 2016-08-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WA)

XXXX XXXX is in a financial hardship On XX/XX/2016 he sent in a loan modification package. 
Since then Ditech has held his file hostage and has refused to provide an update on the file despite the bankruptcy authorization on file. XXXX XXXX filed bk pro per and represents himself. There is no attorney assisting him. 
Please see attached phone records that show 48 hours of hold time. 
DITECH employees transfer the phone calls to the " bk '' department and the calls are placed on a perpetual hold. Not one employee has answered the phone. The call is then dropped each time after 3-4 hours of hold time. These calls were all placed at different hours of the day. At this point there is no excuse for the negligence. 
It is very obvious that DITECH is discriminating against XXXX XXXX based on his race, ethnicity, language, national origin. 
There is no excuse for the lack of assistance. 
Supervisors have been requested on numerous occasion and the lack of training is extremely obvious and appalling. 
The following employees have provided horrendous attitude and need further training. The lack of skill is very apparent. 
XXXX XXXX XXXX XXXX x XXXX promised she was going to get someone on the line and she intentionally terminated the call and failed to make a call back to address the issue and the dropped call. 
XXXX, XXXX, XXXX, XXXX, XXXX were also all employees who discriminated against XXXX XXXX and transferred him to the que where the calls are placed on a perpetual hold when. XXXX XXXX will be filing a litigation complaint in district court in regards to the negligence and discrimination from ditech. Furthermore, He wants an update on his file from the XXXX.
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (CA)

I have submitted a debt VALIDATION letter to XXXX XXXX XXXX and it's original creditor XXXX/XXXX  on XX/XX/2018. In the letter ( attached ) i asked to have the debt VALIDATED by showing proof of agreement with a bearing signature and proper documentation that allowed them to report negatively on my credit file. XXXX XXXX XXXX AND XXXX both responded with a bill instead of actual proof of this account being owed by myself. XXXX XXXX XXXX is reporting to my XXXX and XXXX is reporting to all 3 of the credit bureaus ( XXXX, XXXX, and XXXX ). So i am taking two hits on XXXX by the same debt. This derogatory and offensive account is critically hurting my credit score and has caused several denials with banks. Neither XXXX XXXX XXXX or XXXX can properly VALIDATE this debt being valid and i would like this negative reporting removed from my credit file.
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am filing a complaint against Capital One for refusing to investigate a credit dispute with XXXX XXXX for custom draperies. It was for a transaction posted on XX/XX/XXXX for a total amount of XXXX dollars. 
I was misled by XXXX XXXX XXXX decorator, XXXX XXXX. she installed a completely different style than what we agreed one ( She installed a very cheap drapery style ) .I sent to Capital one pictures of the style we agreed on and the style that XXXX XXXX installed. Even the contractors who did the installation agreed the style installed is different that the style I expected. XXXX XXXX failed to deliver on what we agreed on. Relying on false statements from XXXX XXXX, Capital One closed the case, and refused to reopen it. I had previously filed a complaint through the CFPB with documents of tremendous importance, which should have helped decide the case in my favor. That is only if the investigator was willing to investigate the case. Unfortunately, the agent who was in charge of the investigation called me one time and said that they would do a thorough job investigation the case. But they never did. Capital one failed to resolve the issues. Though i provided all required documents, they denied the dispute based on false statements issued by the Merchant. This is what they said in the letter they sent : " Based on the information we received, the merchants decision not to honor your refund request was based upon the original drapes being incorrectly measured. The merchant advised that they remeasured and reinstalled with exactly what you ordered. As a result, we re-billed the disputed transaction ''. I disputed the charges because i did not receive what the decorator agreed to install. I received a completely different style. That has nothing to so see with measurements. 
I should also mentioned that I tried to resolve the case in good faith with the XXXX XXXX. On XX/XX/XXXX, the same day the custom draperies were installed, i emailed the store manager, letting them know that a different drapery style was installed. They said they would contact me and they never did. I also contacted XXXX, the decorator who even came to my house on XX/XX/XXXX to inspect the installation. She was in agreement that a different style of drapery was installed. She said she would contact her store manager on the next steps. On XX/XX/XXXX, she called me to let me know that she would not redo the installation. 
I have already sent supporting documents to Capital one. With no success I called capital one multiple times.That is why I have decided to file a complaint Through the CFPB
Consumer complaint received 2018-07-18
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. (IN)

Experian is currently reporting XXXX XXXX XXXX XXXX as being 30-days late twice. I have notified Experian, XXXX XXXX, and XXXX   via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX XXXX and XXXX  have both removed the late status. Experian only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. I have contacted XXXX XXXX and asked them why they are reporting that I am late. They responded that they are not reporting that I am late to anyone and they only report to Experian. They have stated that they do not see any 30-day late on my account and Experian NEVER contacted them with a dispute about the account, which I sent them three certified letters about this account already. They must now remove the delinquency on the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.
Consumer complaint received 2018-07-18
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. (TX)

I called Experian after bank sent me letter advising me to contact Experian. I gave them all the info requested and was told i can not receive my report until i mail 2 forms of ID. I am out of the country and not sure if i mail anything to them it will even get to them. 
I offered to email them everything they requested but they insist i mail them. I offered to upload requested info on their website. i feel like my bank XXXX and Experian have tricked me and now i have a negative app and i can not even find out why. Unless you jump thu hoops i would say Experian has found a way to go around the laws that are suppose to help us take control of our personal information. i am just trying to find out what Experian is telling everyone but me. 

Regards XXXX
Consumer complaint received 2018-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion XXXX XXXX was a fraud account I complained for years I have tried to contact XXXX many time with no response so I dont know how you can validatethis as mine XXXX XXXX is not a legal investigation I forward fax letters from myself to XXXX as you said any questions contact XXXX  I REQUEST AN ACTUAL SIGNED CONTRACT WITH MY SIGNATURE I DO NOT OWE ANYTHING TO XXXX IT WAS'NT MINE I DID PAY IT TO REMOVE IT FROM MY REPORT SO ACTUAL CONTRACT MY SIGNATURE FROM YOU YOU VALIDATED IT OR REMOVE FOREVER enclosed are faxs made to XXXX
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FCC Finance, LLC (MI)

I received a letter in the mail RE : What Does FCC FINANCE , LLC DO WITH YOUR PERSONAL INFORMATION. I called to let the company know that I do not want any of my personal information shared for any reason. I then asked the rep why did I receive the notice and asked did I have an account with them. Agent told me that the company has an open account in my name with a balance that should not be open. She advised me to send an email to request closing of the account.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings (TX)

I went to a Speedy Cash in 2011 and defaulted on partial loan Speedy Cash sold the debt to a add company called ad XXXX XXXX XXXX phone number XXXX XXXX have been trying to dispute it and remove it from my credit score due to length of time and they refused to remove has the debt has been paid by said company I feel it should be removed
Consumer complaint received 2018-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

My name is XXXX XXXX. Me and my wife XXXX XXXX are proud residents of the great state of New Jersey for over 25 years and we have one of our sons serving this country in the military. My family and I have lived in our house for over 17 years, but due to unfair treatment by our mortgage servicers ( currently Select Portfolio Servicing ), we are in danger of losing our home. 

I was a city bus driver for many years. Like many people, I lost my job in XXXX. We were able to modify our mortgage then, but unfortunately I was laid off again in XXXX. At that time I contacted our lender to get help. We applied for a modification repeatedly but never got a decision due to incomplete files. Each time I contacted them I spoke to a different person. I feel like we were given the run-around. To make matters worse, they called often looking for money but would never help us. 

Each time we sent in new applications and paperwork it started all over. No decision, only incomplete files and another new person to speak to. It has been very frustrating! There must be rules or regulations that prevent such awful treatment when people are making an honest effort to resolve a financial problem like this.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, I opened a XXXXXXXX XXXX Store Card. I'm unsure of the issuing bank, I believe it may have been Citi. 

I had never been late on a payment and used this card periodically. Well, my account was recently closed due to inactivity. I called the customer service line and spoke with a supervisor on XX/XX/XXXX. The Customer Service Supervisor said that it was closed because I hadn't used the card since XXXX. 

I understand if the issuing bank has certain terms for closing the card, however I was never notified prior to them closing my account. Apparently, this was in their terms and conditions that they may close an account due to inactivity without prior notice. Well, at least according to the person I spoke to. 

As a consumer, I feel like this is an unfair practice because my credit score has decreased a bit as a result. You see, this was one of my oldest accounts ( over 7 1/2 years ) and by closing this account it affected my " average age of open accounts. '' Yes, this isn't a high impact factor, but nevertheless it is still a factor in which I feel is not fair to the consumer. I shouldn't have a card closed just because I have not used it in a few years. I kept it open to establish a better credit history.
Consumer complaint received 2018-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I have a home equity loan with Chase since XX/XX/XXXX. I am currently repaying it. The HEL is secured by my house. I had received XXXX  every year untilXX/XX/XXXX. I did not receive one for XX/XX/XXXX. I have tried to contact Chase numerous times and I have been told that the HEL is not secured by any real estate therefore they are not issuing a XXXX. This is completely wrong. The terms of the loan have not changed. I have been waiting for the XXXX and spent numerous HOURS on the phone with several agents, even with my branch manager, but they are refusing to issue a XXXX.

I am unable to file my taxes without that document. I need to submit copy of my taxes for my request for financial aid for both of my kids.

I have copies of XXXX from every year up to XX/XX/XXXX. Chase is refusing to correct their error.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the consumer protection bureau so that Equifax and XXXX and correct my credit report and start reporting accurate student loan information from mygreatlakes.org. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

This company maintains that they have acted above board. However as of today I have yet to receive one of these letters they have claimed to have sent me. I only received these because they forwarded them to CFPB. 
On XX/XX/XXXX it was claimed that a review of the call determined that it wasnt to cover the balance on the account. I advised that there were multiple calls and requested a copy of the calls but never received anything. 
XX/XX/XXXX you advised all billing statements were sent out. That the emails were sent but again never received on any email account that I have access to. This is strange because I received a statement at the end of XX/XX/XXXX which has caused me to file these complaints in the first place. 
XX/XX/XXXX letter I was advised that neither of these credit card accounts use text alerts for billing however as you can see from the enclosed documents I have now been receiving them every month like clockwork. 
I forwarded a complaint to the better business Bureau to whom which your bank refuses to acknowledge. I forwarded a complaint to your states attorney generals office and the office forwarded the complaint again to CFPB. 
Now that I have these documents I will again forward my complaint it shows that either there is an issue in the company that needs to be resolved or this company practices are to provide incomplete and unethical business practices and does it best to cheat its customers. 
At each turn I have been provided with falsehoods to email billing statements to we dont send text messages. 
Now every other day I am receiving calls for payment 2-3 calls a day but when it was beneficial to you to steal and over charge me I never received any calls at the level I am getting now.
Consumer complaint received 2018-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I received an alert from Experian, XXXX  and XXXX  about an account being reported by XXXX. 

Please be advised I have requested validation { not verification } of an item reported to Experian by XXXX. I have received a response that clearly violates my rights according to XXXX. 

XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX  rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Hello I had looked at my credit score recently and noticed equifix had an error on my address which I would like removed as I have never lived there or been associated with the following address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I had spoke to a customer rep and they had said they would remove from my file and never did.