davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion recently sent me my Credit Report on XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The following inquiries were and are being disputed : XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 Please note that for some of the mentioned disputes listed above have been disputed with XXXX & XXXX and removed.Transunion has not complied FCRA.
Consumer complaint received 2016-01-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (CA)

i received an offer of wells fargo credit card about a new credit card in which they give me the offers of 0 % apr for 18 months on balances transfer and purchases. so i applied and got the card to my home, but when i called them they told i just qualify for new purchases and that it was a mistake in the letter that they sent me. i am not apprved for balance transfer. 
i dont know what happened with this people and i ask u to investigate, please. 
the credit card is # XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX. 
thanks.
Consumer complaint received 2016-01-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

At last Wells Fargo is willing to help me with modification but back XX/XX/XXXX my father in law co-signed for us because my husband lost his job. He moved in with us for awhile to help buy food. I went a filed a quit claim deed at city hall to take him off the financial part of the modification because he does not live with us anymore but is still on the mortgage. I just talked to the underwriter and they said they could not use the quit claim deed because they can not find the original application from XX/XX/XXXX for my father in law. They do n't want to lower my mortgage that is why they do n't want to use the quit claim deed my father in law in XX/XX/XXXX but they want to use his pension and social security. I never heard a mortgage company losing an application.
Consumer complaint received 2015-05-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MD)

I took out a car loan. I filed chaper XXXX in 2010 but I reaffirmed my Car note with Gmac/ally and paid the note They r still reporting on the credit report that the note Was discharged. It was not. I have a reaffirmation agreement with Them that I honored and completed. I have written them. I have Worked witg the credit bureaus. No avail. They r still listing that The car note was discharged. It was not. It was paid. My stars It has been So long ago that I dont even have the car anymore. I sold it with a lien release Why do they continue to lie?
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to XXXX FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.
Consumer complaint received 2016-03-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They keep calling me anywhere from XXXX 6 times a day. I have written Portfolio Recovery twice via XXXX XXXX mail to please stop, yet they continue. I have also requested that the only communication I will have with them is via XXXX XXXX mail only.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I need assistance getting a foreclosure sale that is scheduled on XXXX/XXXX/15 postponed. I am behind in my mortgage payments and have reached out to my mortgage company for help. They told me to send in all the application paperwork so I can be considered for a loan modification which I have already sent in. Now they are telling me it is too close to the sale date to do anything, please help.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I applied for residency at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX phone XXXX ) and they ran my credit check through XXXX XXXX XXXX # XXXX XXXX, CA XXXX phone XXXX. They ran a Experian/XXXX FICO version XXXX credit report and my credit score came back at XXXX which is below the XXXX minimum they require at this residence. When I called to request my credit report from Experian, I was given a credit score of XXXX which is a version XXXX XXXX score they provide to consumers. I asked numerous times how can I improve my XXXX version XXXX score and no one in experian, XXXX XXXX XXXX XXXX even knew what a version 3 XXXX score was. I am trying to get a sense of what my current score is now since I have to pay {$70.00} each time to run a credit check at this residence and no one has been able to help me. I am in urgent need to correct this matter since I need to procure a residence asap for my new employment XXXX.
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Representative, After hard time of foreclosure, job loss and eviction, I was able to step on my feet financially and handle life as self-employed person ( I am XXXX and there are n't too many employment options for me ). I worked on establishing good credit again and with satisfaction observed how my old collections disappeared from my credit report, when suddenly and by chance opening XXXX, I saw XXXX separate collections XXXX collector, related to XXXX. They ruined my credit score from XXXX to XXXX, and I am in panic. I never received any mails or calls from them. 
The case is that I worked in this city XXXX, and during work time should go every 2 hours to turn my car from back site city parking to front site city parking. It was silent agreement between my company and the City to do this. The City XXXX practically did n't have at this time any free parking, and the XXXX company I was working for did n't secure for me a parking permit for entire period of my employment, which was 3 ( three years- XXXX till XXXX ). I did what it takes, even my work as XXXX employee for a large company did n't allow a lot of time, and importantly, to think about my car when under pressure to make more and more sales. 
Now, after exactly 5 ( five ) years being not employed from such company, and making my living alone, I was slammed with this collection. 
I wrote letters to the collection agency and Transunion about this issue and will expect their answer. 
Once in a past I had your help, when a collector pretended some money for my foreclosure by using my home purchase 's closing paper file ( I still wonder how they reached this file ). I very much appreciate your timely help. 
Unfortunately, now I have another case. It will be up to your competency to decide what action to take. Whatever it is, I will never forget how you helped me before. 
Thank you for all your efforts and professional work : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

My husband and I split our mortgage payment. We XXXX made our payment, but mine was dated with last year 's date of 2015. XXXX mortgage sent my portion back stating it had the wrong date. I immediately bill paid the payment. I received a late fee of {$79.00} because my half of the mortgage payment was past their grace period. I tried to contact them via phone, but there is automated systems only. I contacted them via email explaining that my payment was n't late it was on time they returned it. That does not seem legal to me. Please advise me if this company can charge a late fee when they in fact receive payment.
Consumer complaint received 2016-03-31
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I have been in a loan modification for well over 8 months with Bayview Loan Servicing and they have been jerking us around and not returning phone calls and as of now they ca n't locate a check that was sent ( certified and signed for by them ) at the beginning of the month, their response was they see it was received, they will look into it trying to locate it and get back to us. They are consistently inconsistent. Every month a check has to be sent over night with a tracking number which costs an additional {$20.00}. Wrong information is continuously being sent by Bayview. There are too many inconsistencies and " mistakes '' on their end. The issues are now compounding each other. We should have been out of modification about 5 months ago and able to handle all transactions with XXXX ourselves but we and our mortgage are being held hostage by Bayview. Instead we go from person to person even supervisors and nothing is getting resolved and all of our questions go unanswered.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (SC)

I have opened case XXXX with the XXXX in regard to Calvary Portfolio Services and their failings to comply with FDCPA guidelines. I raised a case with the XXXX after Calvary Portfolio services failed to answer my certified mailing for debt validation as prescribed under the FDCPA guidelines. I have sent written correspondence and also raised XXXX case, but this company is still reporting unverifiable inaccurate information. They initally stated that they did not get correspondence from me and only after providing my certified mail number did the state that they did send validation, which I never received. I would like to escalate this case and have legal action taken against this company.
Consumer complaint received 2015-05-26
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC. (OH)

XXXX XXXX XXXX at XXXX, XXXX XXXX, calls claiming to represent Cashnet. I have not received written documentation from this company, only a verbal claim that they represent CashNet USA. 

Even worse, this man called my son on his cell phone! My son is in no way connected to this situation. Yet this man threatened him with legal action, garnishment thru his employer and more. 

Is a debt collector permitted to call any number he so chooses??? 

Please also note that I have contacted CashnetUSA a number of times over several months asking for written documentation as to whom represents them. I have not rec ; d anything. 

Is it not my right to know whom I should pay?
Consumer complaint received 2016-03-29
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (MA)

I lost my wallet on XXXX/XXXX/2016 and called Bluebird by American Express. They stated that XXXX ( XXXX ) charges had been made using the card for {$300.00}, XXXX and XXXX. Once the transactions posted on XXXX/XXXX/2016 I called back to dispute the charges. I filled out and submitted the dispute form on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they informed me via email that they had concluded the investigation and I was due no money back for the {$300.00} & XXXX. At this time I contacted BlueBird as it stated at the bottom of the mail. After an hour, a Supervisor told me that they could not tell me how they determine the outcome or what information they had. I was told the information was " proprietary '' and " confidential '', I was also told that the people who make these decisions " have no phones '' and there was " no way to contact them ''. On XXXX/XXXX/2016 I was told that they had finished the investigation on the {$500.00} and again I was owed no money. Again the email from the bank stated to call them for the documentation they used to make the decision and again I was told that I was not allowed to see the information
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

Since my last complaint, my account with this mortgage servicer was totally researched and it was discovered and settled by Ocwen that they wrongly calculated % and charged higher payments than they should have, on my loan, for the five years that they have serviced it. But the loan was actually from XXXX. I would like to request further examination of this loan, specifically when it was held by Litton Loan Servicing, which Ocwen purchased in XXXX. I have had my mortgage for ten years -- I closed in XXXX XXXX. I have statements from Litton Loan Servicing as early as XXXX. I want Ocwen to forensically assess my loan for what % rates should have been and if what I was charged was correct from XXXX to XXXX. If it is found to be wrongly calculated and I was overcharged in any way, I want a full refund including any late fees and interest or suspense monies held. I am deeply disturbed that my mortgage was handled so poorly and concurrently when I had great financial difficulties in my life. Tax-payers bailed out the banks and folks like me have been trying to do right, pay right and be smart about our credit through the entire crisis. Ironic. I have an Ocwen Ombudsman ( actually two ) but I have not heard from either one since I have left several voicemail messages regarding this new request. XXXX XXXX and XXXX XXXX are my Ocwen contacts. Please help me proceed. I have My Litton Loan Servicing account number and will scan the statement for when I made my first payment to Litton on XXXX/XXXX/XXXX via check # XXXX for the amount of {$1200.00}. My statement listed 7.25 % as the interest rate. The principal balance was {$240000.00}. And the last payment I have recorded to Litton was {$2400.00} on XXXX/XXXX/XXXX. The month before my records indicate I made a phone payment in the amount of {$5000.00}. My statement from Litton Loan Servicing dated XXXX/XXXX/XXXX lists my principal balance as {$260000.00} and the interest rate as 7.25 %. I need so much more information! Why did the interest rate change when Ocwen purchased my mortgage from Litton loan? Why has it always been 7.25 % if it was an adjustable loan? Was it supposed to be less every year since XXXX? Why is my principal higher in XXXX than in XXXX? Has this loan always been growing principal? Please require Ocwen to continue this case! They have to date refused any amount of financial settlement for damages -- even though they caused me financial stress, but if they owe me my own money, then I want every penny back. Please advise.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I'm writing to notify you that I have recently been a victim of identity theft, leading to multiple fraudulent entries on my credit report. These 2 accounts and 31 inquiries were added without my knowledge or authorization. 

ACCOUNTS - XXXX XXXX Account # : XXXX - XXXX XXXX Account # : XXXX INQUIRIES- EXPERIAN XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XX/XX/XXXX I have already reported this matter to the Federal Trade Commission ( FTC ) and now urgently request the immediate removal of these fraudulent items from my credit report.
Consumer complaint received 2024-09-02
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)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2015-05-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Federal Credit Control, Inc. (OH)

I disputed the invalidated, inaccurate information with XXXX regarding the negative account and the information that this company continuously report on my credit file. I have sent them a certified letter requesting validation of this debt/information once I was aware of what they were reporting and the negative, inaccurate information. These accounts was paid by insurance before collections and they continuously state that it is not. I contacted the original creditor and they also do n't know what exactly this credit agency is trying to collect.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have received numerous phone calls on my cell phone and home phone from the following phone numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX among many, many others! Upon researching these numbers I found that they belong to Portfolio Recovery Associates, XXXX XXXX, and XXXX XXXX XXXX. They never leave messages. They just continue to call from different numbers to deceive people into answering their calls. I have no idea why they would be calling. When you call the numbers back you are placed on hold forever.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harvard Collections, LLC (TX)

HC began reporting on my cr in XXXX. I sent several letters via fax to validate, which they ignored ( illegal under Texas statue, a collection company must validate within 30 days in Texas ), until I filled a complaint with XXXX. They also continued to report to the cr even after receiving my dispute, which is not in compliance with the FCRA. Finally XXXX was able to get documentation for me. What HC provide is a joke! I requested a contract showing where I agreed to XXXX services ( which I NEVER HAVE ) .Until this day, I have not received it. The bill they sent me has my name misspelled and an address that I 've never lived at. It does n't have an apt # on it. I feel like HC is attempting to force me to sign a fraud affidavit in which I have to pay to have notarized! I am not wasting my money on the incompetence of this company! I have never had any account with XXXX! I will file a complaint with AG XXXX XXXX and the CFPB if they do n't provide what is requested!
Consumer complaint received 2015-05-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (KS)

I was contacted by a company multiple times within a XXXX minute period. Including XXXX phone calls at my place of work. They called my cell phone at XXXX XXXX XXXX and XXXX. In between those calls they called my place of work XXXX XXXX and XXXX. I have nothing to do with the loan they are inquiring about, there is no way they would have had my phone number information. They did some type of research to find this information and would not stop bothering me. I do not think it is okay for a company to call that much and especially my place of work. That puts a bad image out for me when this issue has nothing to do with me. The company is full of liars. They said that my father and I were both put down as a reference which I know is not true. We have nothing to do with the loan holder and the loan they said was 4 years old and 4 years ago I had a different number and worked for a different company. And my father has had nothing to do with them in many many years. This is not acceptable at all and I hope that someone can do something about this because if they 're harassing me like this I 'm sure it 's happening to others.