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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DC)

i have attempted on numerous occasions to correct my student loan status on my equifax credit report but i can not access the account on line and via phone does not work either. it shows that i have been late on XXXX student loans and i have never been late on a student loan. the loan was transferred to another servicer. it has been corrected on XXXX, but equifax is still incorrect.
Consumer complaint received 2015-07-09
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION (CA)

I received a a loan from Check N Go on XXXX/XXXX/2015 for {$250.00} and a loan on XXXX/XXXX/2015. The XXXX/XXXX/2015 I think I applied for but the loan on XXXX/XXXX/2015 I don ; t remember asking for and if I did the loan from XXXX/XXXX/2015 was outstanding, therefore why did they grant the XXXX loan if the XXXX had not been paid. On XXXX/XXXX/15 Check N Go deducted XXXX payment from my account of {$150.00} each. On XXXX/XXXX/2015 the loan company deducted {$310.00} from my account. When I checked my account I realized that It was a check created without my knowledge and my account had been charged @ {$200.00} for NSF. My bank is XXXX XXXX XXXX, located in XXXX XXXX, California. The loan company states that they called me at least XXXX times and called me place of employment @ XXXX times and I do n't remember any calls, and definitely did not hear from my employer.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

This is a COMPLAINT AGAINST WELLS FARGO AND THE UNDERHANDED NATURE THEY HAVE CARRIED ON IN REGARDS TO MY MOTHERS ESTATE, THIS IS WHAT wells fargo is in violation of regualion z as follows failure to recognize heir to the estate of XXXX XXXX XXXX, wells fargo has refused to place my on the mortgageAND ALLOW ME TO MAKE MORTGAGE PAYMENTS for over XXXX causing the mortgage fall behind XXXX XXXX good in a recorded conversation can be heard saying that regulation z doeS not apply that i need to modify the loan are get a refinance which is not what regulation z says i am at prestent time being forced to jump through hoops for a modification submitting the same information over and over.At no time did wells fargo contact me or inform me of opt that were available. For XXXX years they have steadfastly held that they didnt know nothing about regulation z constantly telling me i was behind on the mortgage and either a modification or refinance had be done or foreclosure. Yes the mortgage is behind because of their unfair racist discrimination practices, I want wells fargo to furnish any material they have showing that they reached out to the heir and offered the opportunity to go on the loan they ca n't. If CFPB HAS ANY BACKBONE THEY WILL PUT AND END TO THE LIE OF THIS RACIST BUSINESS PRACTICE. WHAT I 'VE CONSTANTLY ASKE WAS TO BE PLACED ON THE LOAN WITH OUT ALL LIES AND DENYING THAT REGULATION Z EXISTED PLEASE HAVE WELLS FARGO PROVIDE PROOF OF THEIR COOPERATION THERE IS NON THEIR INTENTION HAS BEEN TO DRIVE THIS HOME INTO FORECLOSURE AND STEAL MY PROPERTY THE EDVIDENCE FROM COURT TRANSCRIPT SAYS SPEAKING UNDER OATH WELLS FARGO ATTORNEY SAID NOTHING COULD BE DONE OBJECTED TO THE COURT TAKING JUDICIAL NOTICE OF THE CFPB AND OR REGULATION Z, i AM THE HEIR TO THE ESTATE OF XXXX XXXX AND HAVE BEEN DENIED ANY OPPORTUNITY TO MAKE PAYMENT WITHOUT BEING SUBJECT LIES.,.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Account that is disputed is for {$81.00} it is also saying it is a Open balance to XXXX XXXX XXXX and they are the Original creditor which is false/inaccurate and misleading. 
There are also XXXX other accounts that show being closed which needs to be deleted as well per 15 USC 1601, 15 USC 1681 and 15 USC 1692. All names, addresses and phone numbers need to correct to the current information.
Consumer complaint received 2016-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (CA)

I kept receiving bills from XXXX XXXX Department of Health Services ( DHS ) about some medical expenses i do not owe. I have n't used any of their services so this debt is absolutely not mine. Now I 'm receiving a " Notice of Debt '' from Linebarger Goggan Blair & Sampson , LLP attempting to collect this money I DO NOT OWE! I 've attempted to call several times and do n't get an answer and I am starting to feel extremely harassed by these collection letters.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Valley Credit Service, Inc. (OR) (WA)

Vally Credit never sent validation of the debt and erroneously marked my credit for a bill i do not oweThe bill is a sewer bill from a residence I moved out of in XXXX of 2014. I canceled my service and the City of XXXX made no effort to contact me. I put in a change of address and no mail has been forwarded. 

I just checked the City of XXXX 's website and my cell phone is still on file. The city has never called me nor has the agency. 

No efforts have been made to communicate with me and the agency is violating the FDCPA and the FCRA.
Consumer complaint received 2024-09-03
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)

On XX/XX/year>, I sent a dispute letter to Experian challenging several items on my credit report. I received a response from Experian dated XX/XX/year>, referencing report # XXXX, stating that the public record was certified as accurate by the furnisher and that the credit items had been updated. I have included a copy of the investigation results for reference. 
I am writing to dispute the results of this recent reinvestigation regarding the accuracy of the information on my credit report. The investigation has concluded, and the disputed information has been verified as accurate. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( b ) ( 7 ), I am requesting a detailed description of the reinvestigation procedure for the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request that Experian provide the following information : 1. The Date You Contacted the Creditor : Please provide the specific date on which you initiated contact with the creditor regarding the disputed items.

2. Contact Information for the Creditor : Furnish the complete contact information for the creditor, including their business name, address, and any available telephone numbers.

3. Name of the Person Who Verified the Item : Provide the full name of the individual at the creditor 's end who verified the accuracy of the disputed information.

4. Method of Communication Used to Verify Information : Specify the method ( s ) through which you communicated with the creditor to verify the accuracy of the disputed items ( e.g., phone, email, mail ).

5. Did the Creditor Provide SSN, Address, and Date of Birth? : Confirm whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Equifax does not identify who does verification and what documentation is used to confirm verification. I have court documents ; what are they using? It appears that are using the word of the company reporting their information. XXXX XXXX is reporting incorrect and outdated information on an account that is no longer associated with them.
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

yes ive been trying too work out a monthly payment on my moms account with collections dept.they asked me how much i can pay monthly toward closed account.i told him first XXXX .he said no.than i said XXXX he said no????? i asked hime was the minuium??? he would not tell me????? what kind of people work here???? my moms on XXXX???? and i am too????? than i get a letter email stating they offered payment options??? they offred nothing too me. im trying too work with them.but these people are of no help? like too talk too not the collections supervisor he did nothing for me??? like too speak too whos higher up in charge??? like i wana contact XXXX XXXX office on this mattar???? also wana get all late fees waived and penalities too on account????
Consumer complaint received 2015-05-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (VA)

Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or XXXX XXXX since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?
Consumer complaint received 2015-04-30
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: PHOENIX EQUITY PARTNERS LLC (AK)

A man ( using XXXX different names ) left messages on both my work and cell phone stating that he was a private courier and that he would be delivering sealed documents to me at my work address. The names used were : XXXX XXXX and XXXX XXXX. The number was a private number, but the number he gave me to resolve the matter was XXXX. This number belongs to Phoenix Equity Partners located in Georgia.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with the following company was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (OH)

I have my original mortgage ( XXXX ) contract which states " once I reach 80 % of my original contract amount, I may terminate my PMI '' My original mortgage company was XXXX went out of business & sold all of their loans ( including mine ) to Ocwen loans. It has been a nightmare since I have been with Ocwen ( Ocwen bought my loan in XXXX ' XXXX ). Ocwen had sent me a letter of cancellation of PMI and its requirements. I met all of its requirements and they told me I need a new appraisal of the current value of the house. I got the newer appraisal ( XXXX ) Even though the original contract states 80 % of the original value ( {$130.00} ) they ( Ocwen ) denied my cancellation. My new value is {$100000.00} and they are not going by the original value. I have sent a copy to Ocwen of my original contract and a copy of there letter, which both state the same thing.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (MD)

The Following companies, Equifax, XXXX, XXXX, XXXX, XXXX, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. Equifax, XXXX XXXX XXXXas failed and/or refused to implement a block, within four days ( 4 ) per 15 usc 1681c-2 to avoid further damage from use of identity theft accounts
Consumer complaint received 2016-03-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

back in 2013, I asked a banker for a personal loan, but I do not have credits and I would like to get one. He called XXXX to get approved for a personal loan. I got approved for a {$3000.00} loan. Ever since, I could n't accessed the loan and I was told to wait for a year to get loan. Several bankers made a mistake and it costs my money and credits. How am I supposed to access the personal loan online? None of the bankers do n't do their job right. I ca n't get errors removed my credit reports.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX  XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> :
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (AZ)

PNC Mortgage regularly tries to bill me for payoff statements I never ordered. They send these fees to people knowing that many people will pay without questioning it. At least three times they have accused me of ordering a payoff statement and tried to bill me {$15.00} for it. I called and demanded explanation. They could not provide one, but they told me a firm called " Both Hands '' is authorized to do this to me, having access to my account. My daughter is also on the account in case of my demise. My daughter has no idea what a payoff statement is, she has no reason to order that, she doesnt even have any information about PNC nor does she care. I called " Both Hands '', a foreclosure counseling service, who told me they never ordered such a thing. PNC tells me these are the only people who would be allowed to order a payoff statement, yet neither one, nor I, did. I know that PNC is extremely deceptive, they lied to me continuously throughout a modification process. I know they are claiming payoff statements are ordered when they really are n't, just to make an extra {$15.00} off of as many non-suspecting people as possible. I know they are doing this on purpose and no one will listen to me. I have complained about PNC before, when they kept lying about modification documents, saying I never sent them when I in fact did, and saying my property was in a trust which is was not, and they would use these excuses to put my home back into foreclosure status over and over and over again, and the more they did this, the more fees they would charge me and the longer it would take, which would cost me more fees. PNC is extremely deceptive and not to be trusted. They need to be investigated and shut down. They are stealing from the public, and unless government agencies are in on the deal, they should shut down PNC Mortgage.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, I am writing to request a reinvestigation of the following items ( XXXX ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 

Disputed Item ( XXXX ) : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Account XXXX Charge off Balance {$1000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX Account XXXX Charge off {$1600.00}. 

XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account XXXX Charge off {$4500.00} XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account XXXX Charge off {$8100.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account XXXX Collections {$3100.00} XXXX. XXXX XXXX XXXX Account XXXX Collections {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account XXXX Collection {$740.00} XXXX. XXXX portfolio services XXXX XXXX XXXX XXXX XXXX 
XXXX, NY XXXX Account XXXX Collections {$2300.00} Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX