davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
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)

I have attempted numerous times and have disputed information pertaining to my XXXX and transunion credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in 2017 and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

For the past year I've tried to place security freeze or locks on my Equifax credit report to no avail. I've called the company, written letters, and tried exhaustively online but every time I make an attempt, I get locked out or denied access to my information leaving me with a credit file unlocked and vulnerable. I don't know what else to do. This company has literally wasted hours of my life and I to this date have nothing to show for it. 
All I want is access to lock my credit report.
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

This is the second complaint I am issuing related to my mortgage holder. As mentioned in my previous complaint, we entered into a Chapter XXXX Bankruptcy in an effort to keep our home and get back on track. Our Chapter XXXX was discharged this past XX/XX/XXXX. We maintained our commitment and paid our monthly mortgage consistently for 5 years as part of our agreement. In XX/XX/XXXX my husband reached out to Wells Fargo to discuss the potential of moving our monthly payment to the XX/XX/XXXX of the month as he is XXXX XXXX and receives his XXXX check the 3rd week of every month. He called, went to a local branch with all telling him that they could n't speak with him but would document. Since that time, we again, consistently made our payment on or about the third week of every month. <P/>Today we are trying to refinance our home in an effort to decrease the interest rate. In that process, we have consistently received reports that Wells is reporting us as late payment with a total of XXXX in late fees. <P/>XX/XX/XXXX, when inquiring for a reconciliation of our payment history, I was directed to submit in writing a request for a complete reconciliation of the payment history and inquiries related to our loan. I received official notice that it would take approximately 10 days. I received a letter from Wells that the date for the review completion needed to be extended to XX/XX/XXXX. Only after I submitted an official complaint through the CFPB did I receive a call advising me they received my complaint, however, the account audit / reconciliation was still not complete. On XX/XX/XXXX, the Wells representative that was handling the complaint, notified me that she still did n't have resolution. On Friday XX/XX/XXXX, I contacted this same Wells representative. She advised that she still did n't have however, I offered her a resolution. I asked if Wells could move our payment to the XXXX of the month and reflect that my previous payment history could reflect consistent on time payment for the last year. She did advise that she would research that. <P/>Today I was alerted that our refinancing attempt was declined due to Wells reporting late payments for the last year. I was also informed that our ability to refinance with any financial institution ( including Wells ) would be impossible until this was resolved. I find this unacceptable and complete unfair practice. Remember I was in a 5-year plan for the Chapter XXXX. NOT once did Wells reach out to rectify or alert us that we would suffer this devastating diagnosis. Also, I might add, the Chapter XXXX was discharged OFFICIALLY in XX/XX/XXXX on the record. <P/>I would strongly urge anyone entertaining doing business with Wells Fargo mortgage, NOT.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NY)

Diversified Consultants is reporting this account on my credit report for XXXX with account number XXXX after it was being reported & deleted by XXXX XXXXXXXX XXXX account number XXXX. I disputed this account per the FCRA and FDCPA and it was deleted by XXXX XXXX because it was not accurate and could not be verified or validated. Then, I get an alert on my credit report that Diversified Consultants reported it and I was never even sent anything in the mail from them. They just put it on my credit report and never gave me a chance to dispute it. This is a violation of the FCRA and FDCPA and should not be allowed.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I currently owe a small debt ( {$400.00} ) to XXXX XXXX XXXX. 

I managed to reach out to them to pay off this debt at one point, but they refused to send me any sort of documentation for proof of debt/debt being paid. Instead, they insisted I simply " just send the money in ''. When I asked for some sort of written documentation they refused. 

Now I try to call them to pay off debt and again see if I can just get some documentation on the debt itself, and no one ever picks up nor returns my calls/emails. 

I'm fully willing and more than capable to pay off this debt, I just want it done with as it's doing harm to my credit.
Consumer complaint received 2017-11-06
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 AND XXXX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX XXXX XXXX ACCOUNT NO.XXXX ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NOXXXX. 

AND XXXX XXXX LOAN NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY
Consumer complaint received 2018-01-03
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: CITIBANK, N.A. (TX)

XXXX 's client XXXX XXXX is an identity theft victim ; her information was used to apply for an account with XXXX/Bloomingdales XX/XX/XXXX. While no account was established the application created a fraudulent inquiry with XXXX that is still being reported by the credit bureau. An official dispute of this was sent via certified mail to XXXX XX/XX/XXXX but as of today the inquiry is still listed which is a violation of the FCRA.
Consumer complaint received 2017-11-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I am attaching the letter that I sent to XXXX Experian, and XXXX XXXX on XXXX XXXX. More than 30 days have passed, and they have not responded yet.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OR)

Over the past few months, Convergent Outsourcing has sent me letters telling me to pay them XXXX because they 're claiming XXXX can not sue me for debt. I have asked XXXX for proof that I have any outstanding debt with them and they have stated no. I called Convergent and the moment I said I had called XXXX for proof they hung up.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have a collections on my report from XXXX XXXX. This collection has been paid in full and XXXX XXXX SAID they contacted the bureaus to delete from my file. And it is still there. I would like it removed immediately and my score to gain back the points that was taken from me for the collection.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

We received a check from New Rez the beginning of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We told them we were not cashing it because they didn't have the correct assessment for the escrow account. We knew we would be short. We still have the uncashed check in our possession. Then the middle of XX/XX/year> they redeposited the money back into escrow ( XX/XX/year> ) but then withdrew it a few days later ( XX/XX/year> ). See enclosed payment history from NewRez.They are telling us that we called them and asked for the money to be resent so they sent us a new check for {$2200.00}, check number XXXXXXXX XXXX XXXXXX/XX/year>. They said we cashed the check on XX/XX/year>. We did not call them nor receive the new check. We asked for a copy of the cancelled check and they sent us a copy of a check that had void across the front and the back did not have endorsements nor any bank stamps showing that it had been cashed or processed at any bank ( attachment included ). We have confirmed with our bank they do not show any records of this check being deposited in either XXXX XXXX XXXX XXXX XXXX and the check would have their processing stamps on it if they had deposited or cashed it. 

I have tried talking to NewRez 4 times but have not gotten anywhere with them. They do not appear to have a copy of a cancelled check with any bank processing stamps on it. We just want the money put back into escrow where it belongs unless they can show us that we did receive it and cashed it and have forgotten that we did this. 

I know we are up in our years but we are not senile nor forgetful and do not believe we ever got the check nor cashed it and they can't prove to us that we did. I asked for a manager but they would only let me speak to the lead person and we got nowhere with him. We would like someone to intervene on this issue and assist us in putting it to bed once and for all. 

I did call XXXX XXXX XXXX XXXX and tried to see if they could send us a copy of the cancelled check but they said New Rez had to make the request.
Consumer complaint received 2017-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

Illinois Department of Employment Security. IDES electronic deposited funds into my U. S. bank checking Account. I was terminated on XX/XX/XXXX by my employer. I filed my u.i. claim on XX/XX/XXXX. I filed as terminated. On XX/XX/XXXX XXXX XXXX of IDES entered a laid off status into my U.I. claim. And locked me out of my u.i. account, regardless of my effort to refile my claim on XX/XX/XXXX as terminated status.This generated a check of {$160.00} electronic deposited in my account on XX/XX/XXXX. This is a scam by IDES. I have to appeal any decision made by IDES if I am not found in favor to receive u.i. benefits. IDES would then want these funds returned. I notified my bank onXX/XX/XXXX to resins the deposit back to IDES. The U.S. bank has 10-90 days to decide.This IDES has placed financial hardship, and undue hardship, up on me by their deliberate actions. This is not a case of a mistake, or poor customer service. This is discrimination and corruption. I am a senior on fed.gov housing. I receive a URP utility reimburstment check of {$77.00} per month to pay utility cost. When no income is being earned. If I have income hud stops the urp monthly payment. If IDES orders me to pay monies back at a later date, that they issued on a laid off status that the state worker made. I would have to pay the funds back if found not eligible for u.i. benefits. And I also stand to loose the {$77.00} URP payment from hud. Because of this Unemployment benefit issued deposit. I am a senior. I filed a complaint with the OIG Il. Office against IDES. I notified DHA-HUD of this scam. And for their office to decide their own conclusion. I notified the bank. I called IDES for over 24 days and was hung up on, and no call returned. And then when my call was returned, IDES Does this. My first call was in the first week of XX/XX/XXXX to Tell IDES my last day worked was XX/XX/XXXX not XX/XX/XXXX as IDES had entered on the claim. This how corrupt this state of Illinois is. This was a attempt to not pay my 2 weeks wages from the employer. I filed a claim on XX/XX/XXXX with the labor board of Illinois for unpaid wages. My check was sent on XX/XX/XXXX later on in the day.. This is how the state workers and the companies and their employees, are speaking to one another in a underground organized crime corrupt network, on what they think they can get away with on workers and the people in the state. Let me make this clear I am going after the state of Illinois and IDES and the banking system the state uses. I do not know the state of Illinois and IDES banking system. I want my bank to show the world that IDES  and the state, with all their different scams in state offices, they can not push U.S. Banking customers around.
Consumer complaint received 2024-11-07
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. (MA)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TransUnion 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
Consumer complaint received 2024-11-07
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

This is  the 2nd co mplaint I have filed  on Lexis Nexus in a yea r. They are reporting a tax lien of {$5300.00} that was filed on  XXXX / XXXX / 16 . This is showing up on   XXXX   and I disputed it twice and they sent a letter saying the information was gathered fr om Lexis Nexus. Fi rst of all the address was  XXXX   XXXX   XXXX  which I have not lived at in over 2 years. Second of all, it belongs to another family member not me! I locked my file last year wi th Lexus Nexus but obviously that is not true either. I am sick of this company reporting wrong info. It has never reported on  XXXX  or  XXXX . I am trying to refinance a loan and can not because of this wrong info they are reporting. I also have a letter from the court house that shows there is no lien with my social security number reported by them  at the courthouse.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 've contacted every single month since XXXX XXXX to now and no one not even XXXX XXXX XXXX can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that XXXX XXXX has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining my credit report.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I placed a call to XXXX XXXX credit card customer service requesting to change my address on file to other address. Being that I had XXXX and currently is hospitalized. My address change request was to assure bills were received to a family member. The family member would bring bills to hospital so they can be paid. However, I never received a bill so I would log on trying to remember what day the bill was due since I got no bill sent to my family members house. Today XX/XX/XXXX, I noticed I still have not received a bill again. So I log on to pay the bill. I called customer service explaining Ive called previously on XX/XX/XXXX to change address. At this time I was advised it was not changed so the representative proceeded to update the address. I asked for late fee to be waived being that I never got the bill. I was advised nothing can be done because there is no record of my calling. However, I know for a fact that I called in and spoke with someone who was sympathetic about my XXXX and even said she knew someone who had the same XXXX. I asked to speak with a supervisor today. She pretty much called me a lier saying I did not call from my phone number and record of me calling. As I stated to her just because your company does not show I didnt call from my cell phone doesnt mean I didnt call. Its not my fault as a customer your representative did not do their job. 

I asked to speak with a XXXX. I spoke with someone named XXXX. I explained the situation to him all over again. I also explained to him that as a company you have an obligation to ensure you are sending your customers bills in order for them to be able to pay the bill. However, the practices that are being used are unethical. I asked him that I would file a complaint with the consumer finance protection bureau based on the situation and how I am being treated. 

I asked XXXX if I could speak with another XXXX. XXXX placed me on hold and came back stating the other XXXX said XXXX. However, I asked to speak with the XXXX ; I did not ask XXXX to relay messages back in forth. During the conversation, XXXX then start to cut me off while I was speaking instead of listening to what I was saying. Its sad and unbelievable that customers get treated like this when they have a medical issue that requires immediate attention. This is not how you treat your customers. I will be telling all my friends, family, people on social media about my situation today
Consumer complaint received 2018-08-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I had told Nissan Motor Acceptance in the middle of XXXX that the company that I was working for might close down or I might be starting a new position and that my car payments would potentially be late so I had told the representative that and they assured me I would not continue to get calls after that I have received 8 calls in one day 10 calls in one day six calls in one day as well as repeated voicemails in the same day that  there was nobody 's voice on it and I've told them to stop calling me I understand I owe it and it always gets paid and they didn't really seem to care I ask for their corporate number I got the corporate number and I just want them to stop calling me repeatedly because they are violating the fdcpa with abusive phone calls. I constantly hear my phone go off from several numbers linked to nissan throughout my work day. Its very distracting
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Jana Ferrell & Associates LLC (OK)

I received a phone call from Jana Ferrell & Associate, they told me that a medical bill was place in their office and they were auditing files for legal processing. I never recived paperwork on this account and I did know that I owe my doctor a outstanding balance but I made payment arrangements with the original creditor.

The rep for the collection company did tell me that the account was in the process of reporting to my credit, but If I made the payment that they would remove it off my credit report. Which I did that. Its been 5 months since the payment in full for the balance and they have not removed it off my credit. I have contact a few time to the company but they tell me that all they can do is report the account as paid in full.