davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive noticed some unauthorized inquiries and 1 unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2017-01-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Strategic Alliances, Inc. (CO)

Well this happened in XXXX XXXX 2016 and i was working and my boss needed me to get some materials so i took the work truck. On my way to work i accently rear ended a lady, nothing too bad just a back bumper and the left taillight were damaged from what i could see. I contacted my boss and he spoke with the lady saying he would take care of it and he would pay for the repairs. So thats exactly what happened like XXXX 3 weeks later he told me he payed XXXX for the repairs and stuff and she took her car and left. She didnt contact him anymore or anything and when i went to court a month later she wasnt there either. I payed my court fees and that was the end of that .well i thought so until i receice a letter from XXXX stating that i crashed XXXX of their customers on XXXX XXXX 2016 when it was on XXXX XXXX 2016 and it stated that i owed an amount of {$4300.00} for crashing her and to add my insurance agency details i added my boss 's insurance company instead since i feel it was his vehicle that wasnt insured i dont get why my insurance agency needs to be contacted.so i sent the letter and like 3 weeks later i get a letter from collection saying i still owe those {$4300.00}. Im really confused and kinda mad as to why i need to pay this debt when first of all my boss payed her costs and why am i bearly getting this when this happened 5 months ago. I kind of think she 's trying to get money out of this situation since im guessing she didnt report it at the crash scene. Whatever the case is i shouldnt be paying all this money i feel that this debt should n't exist
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.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 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo Home Mortgage is holding 3 payments of XXXX in an Unapplied Funds balance and stating they we are behind on our account 4 months. The account is only 1 month behind as they bill a month in advance. They stated via phone call that the funds they were holding from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of {$980.00} would be applied to the balance on XXXX/XXXX/XXXX. ( see attachment ) I spoke with a person named XXXX and named XXXX XXXX did not apply them and on XXXX/XXXX/XXXX we received another statement stating that they we had {$1400.00} in unapplied funds ( see attachment ). I called them again and spoke with a person named XXXX and she stated the 3 payments totaling {$1400.00} would not be applied to our balance until we made another payment. I then asked to speak to her supervisor and was transferred to a XXXX XXXX who informed me that he would have to look into it and that would take 10 days. 
Attached to the both of the statements one dated XXXX/XXXX/XXXX was a letter stating that we were 77 days delinquent and another dated XXXX/XXXX/XXXX stating that we were 105 days delinquent. XXXX XXXX also stated that were we behind in our monthly payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We pay this bill through our bank, XXXX bill pay and I have attached our payment history to Wells Fargo for the past 24 months, that reflects we are not behind 4 months. The are counting the unapplied funds and the upcoming payment this is not due as of this date as late payments.
Consumer complaint received 2016-12-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank has called me 5 times today regarding collecting payment on a credit card that I have already communicated with them about - it 's maybe a month behind, and I let them know via messaging on their website that I was going through financial hardship. Comenity does n't care about this ( why would they? ). I added my number to the Do Not Call Registry - they still called. Besides the incessant calling, they called from an Unknown number, and the customer service rep, " XXXX, '' refused to immediately identify himself. He then got extremely sarcastic and condescending with me when I told him that Comenity was harassing me by contacting me multiple times per day when I added my number to the Do Not Call List, and told him to have Comenity stop calling, otherwise I 'd be reporting him, to which he replied, " OH YOU GO AHEAD AND DO THAT. '' Comenity has also called my father multiple times to try and reach me, which is a violation of the FDCPA. I have contacted an attorney.
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (NJ)

I have got no resolve from MT bank yet, and they just keep sending that same letter over and over. Their statements and claims are false, and I have a copy of my statement showing I did have funds at the time my money was stolen! I stated I had no funds when asked, because it was the truth! I had called to check my balance and that 's when I found out my funds were stolen and my debit was missing from my wallet. When I call I do not enter my debit card number, I enter my account number because i know by memory and do n't have to reach for my wallet all the time. The letter they sent states false statements that I made! It 's crazy they are still denying me my stolen money, and especially that I have all the proof I had funds and more! I need and want my money back! They have ruined the holidays for me and my family, but I refuse have them deny me my stolen money! This bank is the worse, and the people working there even worse. They are not there to help you, but make things even more difficult on you, and getting your stolen funds back!
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have Written TransUnion Several Times via Certified Mail. Regarding the accounts in question.XXXX, XXXX, XXXX, XXXX. These accounts in question have came back Verified but verified with NO documentation within a 30 day period.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I was in the middle of a loan modification when Ocwen Loan Servicing sold my house. The stated that they notified me by mail but in reality the notice had been mailed to XXXX, California which is nowhere near XXXX, California. When I had been going through bankruptcy last year they had tried to sell it as well. I had been in contact with my relationship manager and even had an appointment for a few days after it was sold. I do believe my loan was robo-signed previously because none of the names that was on the paperwork were real people at any of the companies. 
The other day when I had called XXXX XXXX to get information about my loan I was told they did not carry the note. That I was nowhere in the system neither was the loan number. The next day I received a XXXX letter from XXXX XXXX stating they did carry the note. I also believe they may be somehow part of Ocwen as the gentleman, out of nowhere, stated they were not sister companies he had already asked that. 
The gentleman who bought my home said he understood my dilemma and would allow me until XX/XX/XXXX to find a place to live and move out. On XX/XX/2016 he served me with a 3-day notice and then on XX/XX/2016 he served me with an unlawful detainer. I have told him I am willing to move but due to the holidays and due to my lack of rental history it has been a problem. This gentleman told my XXXX year old tenant and her caregiver about the house and it has cause my tenant very bad health issues. He has been harassing and bullying me as he wants in the home to go through it and already wants to get a pool person over here to look at the pool. 
Accoring to the Homeowners Bill of Rights, this mortgage company needs to be put on notice that they have done a dual track foreclosure and that is against the law. I would also like to know that the bids were as the house was sold for much less than what was owed. Why were n't we guaranteed a single point of contact from Ocwen? Why was the Notice of Sale mailed to XXXX, California? I would like to readdress the violations of this company. There are tenants in the home and according to the Homeowner Bill of Rights, they have at least 90 days before starting eviction processes. Ocwen has copies of the rental agreements and past rental receipts as they were part of the modification paperwork.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-01-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Experian Information Solutions Inc. (NC)

Response disputed Experian said : Explanation of closure Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
Please see the attached document that includes our response to your complaint. 
Thank you. 
Relief The disputed accounts do not appear on your current Experian credit report The top portion is a copy and pasted portion of the response in regards to the XXXX XXXX account. This was sent to the CFPB. Please update my credit report to correctly reflect this. I have been attempting to correct theses errors since XX/XX/XXXX and why Experian does not feel as though they need to correct the errors is beyond me. Please correct the credit report and delete the XXXX account. I have personally provided you with documentation from Ally stating this account does not belong to me. I have also provided you with a certified letter I sent to Ally requested documentation. They have no documentation that belongs to me. Therefore, they could not provide anything. XXXX XXXX has admitted to the fact that they did not call and confirm XX/XX/XXXX as I did have a fraud alert and freeze on my credit report since XX/XX/XXXX. I do have a credit report that reflects the same. Why Experian changed the date to XX/XX/XXXX is beyond me. This is negligence on the part of the creditor and the credit bureau according to the FCRA. If you would, please correct my Experian credit report. I never asked for a re investigation. The account has been deleted, it can not reappear, I received a credit report from Experian where it clearly stated XXXX XXXX had been deleted. This account can not be put back on my credit report once it has been deleted. That is what the FCRA states anyway. Based on the statues, and the fact that this account does not belong to me, and based on the fact that I have done everything in my power to obtain documentation and XXXX XXXX has nothing this account must be deleted
Consumer complaint received 2016-10-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC. (CA)

My mortgage company did not pay the flood insurance out of escrow as it had been set up. As such I had to pay my flood insurance and submit verification or lender insurance would be secured. I obtained insurance in XXXX, submitted proof in XXXX, XXXX and twice in XXXX. The insurance was not verified so I had to pay an extra {$500.00} to cover the lender procured insurance. I submitted my normal payment, plus XXXX as I always do to pay my mortgage of quicker, but the lender refused to process it since it did not cover the full cost of the extra insurance. 
MB financial blackmailed me into paying for insurance that was not needed, since I had already sent in proof 4 times for valid flood insurance, and was way over priced ( normal insurance is XXXX a year and their insurance is XXXX a month ). They offered a refund of course but if i did not pay the full amount XXXX before the end of the month, even though they had my proof of insurance, they were going to start charging late fees and of course report to the credit bureaus. 
I had paid XXXX but they refused to process until I paid the extra XXXX over the phone. They could not process a partial payment of XXXX, but would process a partial payment of XXXX and then apply the other payment. 
This can not be proper. To procure self insurance at an absurd rate and force someone to pay, even after proof of insurance was submitted multiple times. The threat of piling up late fees on top of attacking my credit is absurd and hopefully illegal. Thank XXXX I have the resources to pay, wait for a refund but if not they would have intentionally attacked my financial well being over their mistakes.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

Date of Service : XX/XX/XXXX Date of Service : XX/XX/XXXX I have two medical bills that have recently hit my credit report. I have been going back and forth with the collection agency and the original creditor. I spoke with the hospital in which services were received. They stated I owe a XXXX $ balance on both bills as I was covered under the XXXX  XXXX program. I spoke with these agencies XX/XX/XXXX and XX/XX/XXXX and again as of this date XX/XX/XXXX. The hospital and insurance company have both verified with me this debt was paid in full and I have no obligation to this debt. I contacted the agency and oringial creditor in regards to this matter. They requested documentation. I contacted the facility back where treatment was performed due to XXXX XXXX. The facility mailed me itemized statements showing a breakdown of what was billable and what was not. I spoke again with the creditor on XX/XX/XXXX and was told this will not be documentation that allows them to remove this collection. The facility and insurance company suggested this is all they could provide. I can not get this debt removed.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I have had a mortgage with OCWEN since 2002. Due to severe financial hardships, I had to remortgage my home that was previously paid for. I have repeatedly asked for modifications to this loan # XXXXxxxx. I was put behind in my payments, when I applied for ( the first of three ) modifications to my mortgage, by being told, via a recorded message NOT to make any payments until the modification was approved. This caused me to fall behind, adding payment on top of payment Then, OCWEN did not approve the modification, and said I owed all the back payments, which was impossible to make, causing my mortgage to fall into default, causing extreme stress and heartache. At one time I was forced to pay app XXXX A MONTH FOR AT LEAST 12 MONTHS, ALMOST CAUSING ME BANKRUPTSY ON A {$56000.00} MORTGAGE TO CLEAR UP THE PROBLEMS THAT OCWEN CAUSED!!!. FOR OVER 12 MONTHS, I HAVE MADE THE PAYMENTS ( {$870.00} app ) ON TIME, AND HAVE ASKED FOR MODIFICATIONS AT LEAST THREE TIMES, AND WAS TOLD EITHER I DID N'T SEND IN THE PROPER DOCUMENTS, OR THEY DID N'T RECEIVE THE COMPLETE DOCUMENTS THAT WERE ON THE LIST, OR THE DOCUMENTS WERE LOST. THE LAST REFUSAL WAS THAT THE INVESTOR WAS NOT ACCEPTING ANY LOAN MODIFICATIONS AT THIS TIME. THE XXXX AND HEARTACHE FROM THIS COMPANY HAS SICKENED ME TO NO END. 
I JUST RECEIVED A CHECK FROM OCWEN FOR {$740.00} FROM THEIR ESCROW DISBURSEMENT ACCOUNT, BUT I AM AFRAID TO CASH THIS AS THEY MAY ADD IT TO MY PAYMENT DUE! CAN SOME ONE HELP ME?????
Consumer complaint received 2016-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

In XXXX, XXXX XXXX, a XXXX vendor, accused me of a late payment and attempted to charge me fees. It was only when I contacted the XXXX in that state XXXX admitted their error and relented. Now, Navient has accused me of missing a payment, even though I have bank records showing that the payment in question was made in XXXX ( although not due until XXXX XXXX ). I have submitted documents to the XXXX office once again, but I want some explanation as to why this continues to happen without any cause. I posited to the attorney general 's office that it might be a rather obvious attempt to " steal '' from individuals. Regardless, there must be some reason ; I do not feel I am the only victim here.
Consumer complaint received 2016-06-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On my transunion credit report XXXX collections were deleted. I notice the deletion on XX/XX/XXXX and today XX/XX/XXXX I noticed they are back on with the same collection agencies.I never received any notice in writing from them to put them back on my report for whatever the reason may be. I called transunion to ask why are these collections reappearing he, XXXX stated something about a composition glitch. I could of misheard him to his strong accent. Than he hung up on me. So I come to you due to major aggravation and no understanding. I want them deleted like they should have been. When did it become ok to take items off and just put them back on and deal with rude csa agents at the bureau? Help Me, please
Consumer complaint received 2016-10-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC (NC)

I have been reported to ews by XXXX XXXX XXXX, XXXX, XXXX and XXXX, all of which are fraudulent accounts due to my identity being stolen. I have placed blocks on my credit reports as well as Chex systems. I have exhausted all options to have them removed on my own. I 've filed identity theft reports with FTC as well as my local police department to no avail. According to the fcra I have the right to have these blocked and not used against me, in which they 're not blocked as I was denied a checking acccount recently due to this. I need these accounts removed once and for all, it has really hindered my life. Thank you.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-01-15
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: Conn's, Inc. (NC)

HELLO, Re : Account # XXXX I have called asked you people over 15 times to change my DUE DATE and you still have not done it propery! YOu keep sending me emails telling me I am past due. What till it take for your incompetence to be corrected? 
I really regret ever getting into bed with you. And I can not wait to pay you off in full, so I do n't ever have to deal with you again. It was a mistake and I will NEVER do business with Conns! 
CHANGE MY DUE DATE TO THE XXXX of each month immediately!