davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Web Source Market LLC/DBA Collection Shield 360 (TX)

I called on XX/XX/17 to get a better clarification on how the company 's process for disputing collections on my credit report. I could n't get through soI had to leave my number for a call back. The rep that called back did not give her name, just the company she was calling from. I had to ask her name. I went on to ask about their process of disputing. She vaguely explained and sounded irritated. I explained that I emailed and did n't get too much help in that area neither. She never expressed empathy just asked if that was all I needed. I let her know that customer service was n't up to par and asked to speak with a supervisor. She said " there is no supervisor, bye " and she hung up the phone in my face. I called back to get a different rep ( operator ). I asked how I could file a complaint and the operator stated that she could take the complaint so I proceeded to explain what happened and there was complete silence and then I heard hold music. Two mins later the operator came back on the line and said we are going to just cancel your account and then she hung up the phone in my face. My account has now been cancelled by the company because I expressed my concern about poor customer service. This is not the way a company should perform especially if they are suppose to be in the business of helping.
Consumer complaint received 2024-11-06
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)

This serves as my final notice before I pursue legal action. I have made multiple requests, and Im done asking politely. Despite my numerous notifications regarding inaccurate, erroneous, and unverifiable information on my credit report, no corrective action has been taken.

Under the FCRA, you are required to retain original documentation from creditors to confirm that the reported information is accurate and verifiable. In response to your investigations and subsequent reinvestigations, you stated in writing that this information is reported correctly. I have repeatedly asked for clarification on who verified these accounts, yet you have failed to provide any original documentation as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). Per Section 611 ( a ) ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any unverifiable information.

Sections 616 and 617 offer legal recourse if a credit reporting agency is noncompliant, which applies here. Since you have claimed verification of these accounts without providing any supporting information, I am giving you a final opportunity to DELETE the accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NJ)

About three weeks ago, I was involved in a job scam while looking for a summer internship. During this scam, I separately transferred {$3300.00} to the scammers through XXXX since the scammers told me I needed to purchase the training materials for that internship. For this issue, I filed complaints on CFPB two weeks ago, and Wells Fargo, the brand of banks I hold with, would like to assist me as well, so this issue was done. However, I found there was still an issue I needed to solve right now. As the scammers promised, they would reimburse the fee by sending me a picture of a check through email. That check was {$1900.00}. I scanned that check on my mobile bank APP on XX/XX/XXXX, and Wells Fargo recognized the check was fictitious, and they could not process it. Because of this issue, they had to close my bank account. I thought Wells Fargo just wanted to prevent me from further fund losses, so I applied to open another account at Wells Fargo since a banker said I was good to open another account. I opened a new bank account at a branch on XX/XX/XXXX, but I received a disclosure letter from Wells Fargo for this new account yesterday, and the reason was " the closure by Wells Fargo or its affiliates of a previous account [ I ] owned ''. I phone-called Fraud Prevention Contact Center at Wells Fargo XXXX and the representative said that Wells Fargo could not trust me anymore just because I scanned a fictitious check, so he asked me to open a bank account at another bank 's brand. 

Although scanning and depositing a fictitious check is my fault, I am a victim of this job scam, and I just want to follow the instruction in order to have this internship since I had not doubted those people were scammers at that point. After online researching, I found I may be on XXXX. I could not accept this result, and I expect Wells Fargo to help me out of this issue because I am also a victim, so I can have a standard bank account as I used to, and I do not want this issue to negatively affect me in the future.
Consumer complaint received 2017-10-12
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: EQUIFAX, INC. (TN)

XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

Equifax : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (TX)

I first saw an address on my credit report that I did not recognize as well as XXXX XXXX XXXX whom I had no business with ). I contacted this property and was advised there was a broken lease and an amount due. I advised them of not having any knowledge of this, someone using my identity and I was dismissed and advised me they could not give me any info even though they had ALL of my info. I had over XXXX inquiries on my credit reports, had accounts attempted to be opened in my name and addresses here in Texas and California that I was I had lived at XXXX Park XXXX XXXX XXXX XXXX XXXX Tx for several years even at the time this lease was done and broken. I filed a police report and provided this info to XXXX Properties via email XXXX/XXXX/XXXX to XXXX XXXX of National Credit Audit Corporation, XXXX XXXX and XXXX XXXX of XXXX Properties. I have also filed complaints with several government agencies. I have XXXX XXXX and this is upsetting me. I also have fraud alerts on all of my credit reports. I applied for another apartment and was advised to contact Resident Verify where I was advised that XXXX XXXX has a Civil Judgment against me on XXXX, that I WAS NEVER SERVED ON AND THAT THEIR info was removed from XXXX and Transunion after the police report ( that names XXXX XXXX XXXX was provided. Neither of these companies has or had ANY OF MY CONTACT INFO, my address, my email address, etc and also I HAVE NEVER BEEN TO XXXX PROPERTIES AND HAVE NEVER SIGNED A LEASE OR AM AWARE OR ANYONE WHO HAS. There were other addresses on my credit report XXXX places in XXXX and other XXXX XXXX that were removed by XXXX and XXXX. This has been ongoing and XXXX XXXX filed a Civil Judgement on me and could have NEVER served ME and they did n't have the correct email when I spoke with them. So who did they serve? Who received the info? Why did they tell me they would handle this and then file an eviction om ME after I provided info that supports me being a victim of Identity Theft.All of the verifiable info supporting my truths have been disregarded and I am willing to take all legal actions against these companies and am in the process of doing so. I would NEVER have known this had I NOT applied to another apartment whom I have supplied the emails I have sent to XXXX Properties and XXXX, phone calls to the companies, Police Report, and they were advised by Rent Verifiers of the XXXX XXXX on my credit reports. This is ridiculous. I have lived in XXXX Texas for 12 years since XXXX and XXXX XXXX La from XXXX. My brother is a retired XXXX Police XXXX and has been here in since XXXX. I have tried endlessly to get this resolved before these companies filed a Judgement against ME, someone whom never received NOTICE of this until I pulled MY credit reports through Annual Credit Report, and the judgement from the apartment that I am attempting to lease.
Consumer complaint received 2017-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

I had noticed that Portfolio Recovery added a {$380.00} charge from capital XXXX on my credit report. It shows date opened XXXX/XXXX/XXXX and date updated XXXX/XXXX/XXXX. I contacted capital XXXX on XXXX/XXXX/XXXX regarding this because I have never in my life had a capital XXXX account. They insisted this will not be on my credit report until a proper investigation has been conducted. XXXX failed to even let me know about this debt and I never ever received anything from a capital XXXX! This needs to be removed from my credit report as this is an account I never had in my life. Also XXXX failed to even let me know anything about this debt, did not even give me a chance to validate or dispute.
Consumer complaint received 2017-10-12
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. (GA)

Experian continues to report an inaccurate bankruptcy on my file. They told me that the information was verified XXXX XXXX XXXX on XXXX XXXX which I find hard to believe because I have a letter dated XXXX XXXX from the XXXX XXXX vendor XXXX XXXX that my file is not accessible. This was done because the state of California filed a lien in error and later had it removed from my reports, but it remained in XXXX XXXX so I was getting mailers from attorney offices and scam calls from companies saying I needed to pay the debt to them. This bankruptcy is inaccurate and not verified.
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Service Systems, Inc. (AR)

This company mailed a letter about a collection for XXXX, dated XXXX/XXXX/XXXX, for {$100.00}. 
It states " ... if this account is not paid within 30 days from the date of this letter our client has instructed us to review the account and make a recommendation as to further collection action that needs to be taken. '' It does not state there are 30 days to dispute the validity. 
I have not responded.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX.  I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
Consumer complaint received 2017-10-12
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. (WI)

All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ECMC GROUP, INC. (IN)

This company put a tax levy on my checking account. Which the bank took {$150.00} legal fee out of my account, which cauesed a overdraft. which cost me another {$29.00}. XXXX XXXX of XXXX XXXX XXXX, works for the state on Indiana. when i called them to try to arrange, some kind of payment plan, They where unwilling to cooperate.They told me i had to pay {$1100.00} up front then 11 payments to pay the rest off. The only money i get, is social security amount {$1500.00} a month. My rent and my prescriptions food car ins total. {$1200.00} that leaves a little over {$300.00}, for the rest of the month. there is no compromise with these people. I tried a couple of years ago but to the same result. there way or no way. oh that money they made the bank take was exempt funds social security.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

My account with Equifax was hacked and my personal information was exposed. I signed up with Equifax for their Credit Monitoring service. I requested that my account be locked. 

I later tried to unlock the report on line, so that I could apply for internet/telephone service for my home. When I tried to log in, I was told that my password was no longer valid. They had a feature to reset my password. I asked them to do that, but they never sent me the link to reset it. 

None of their telephone numbers connect to a live person, so I can not explain the problem. 

My credit report is now frozen and because they will not send the password reset, I can not complete my consumer transaction. The telephone company only uses the Equifax report.
Consumer complaint received 2017-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

Hello, Over the course of the last 9 months, I have received non-stop daily phone calls from Ocwen Financial Corporation regarding an amount in excess of {$500.00} that they say I owe even though my loan ( closed end second mortgage ) matured in XX/XX/XXXX and I have never in 20 years made a late payment. My loan should have a {$0.00} balance. I, as well as my daughter, have called Ocwen more than 5 times over the past 9 months to try and determine what this amount is for and the people that answer the phones have no idea. Every time we speak with them we get the same story " I 'm sorry, I do not understand why you have an outstanding balance as it looks like all of your payments have been received on time. '' " I will open a research ticket and have someone call you back with an answer as to what this amount is for. '' No one from Ocwen has EVER called me back. NO email, NO regular mail, NOTHING! So, on XX/XX/XXXX, I submitted a formal QWR ( Qualified Written Request ) via fax, regular first class mail, and through their website. Today, XX/XX/XXXX, I  received two emails from them 1 ) with a payoff quote and 2 ) with a copy of my Promissory Note - neither of which I asked for. To date, I have not received an acknowledgement letter of the QWR I sent them nor have I received an answer as to what this money they 're asking for is for. And to top it off, I am now getting threatening letters from them stating they are going to place a lien on my property and foreclose on it if I do n't pay the $ 500+ they are asking for. How can I owe anything if my loan has been paid in full??? All fees and everything have been paid. The payoff statement they sent shows that this $ 500+ is for principal. How can that be when my loan matured 4 months ago???? I am in my XXXX 's and a XXXX widow - I can not handle this kind of XXXX. Why is it so hard to tell me what this balance is for? It 's ridiculous. Please help me. They are probably reporting this to the credit bureaus and ruining my credit as well. I am begging for an answer. 
I have attached a copy of the QWR that I sent them on XX/XX/XXXX. Thank you for any help you can provide in getting an answer from them. 

Sincerely, XXXX
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: EMG ACQUISITION GROUP, LLC (LA)

Money was put in to my account without permission they also was not suppose to put money in with the permission of the owner they claim that its was a loan and it was their money and they remove it because it belongs to them. And they claim that someone in the middle of the night on XX/XX/XXXX tried to obtain another loan on XX/XX/XXXX and it was rejected.They claim someone of this computer frudalancy took out a loan without the permission or consent of the owner Since we both know the account number and bank account number which can be my social security number instead of the bank account number and that 's not so! We have survallence videos of the room at night .If anyone operated the computer at night, we will know! That happens at night in this room. The video camera 's in this room stay on 24 hours a day 7 days a week 365 day a year.
Consumer complaint received 2017-10-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flatonia Investments, LLC (WI)

We applied for a mortgage the beginning of XXXX. We received a pre-approval and began the process. We received an initial disclosure from the company that stated our cash to close would be {$8600.00}. During the process, we had a mortgage consult during which we disclosed we would be using a program for {$7500.00} in down payment assistance. We had a mortgage consultation shortly after and were told our cash to close would be around {$860.00}. Our disclosures changed several times during this process. At the end, the lender charged {$2400.00} in fees that were never disclosed prior to the final disclosure and they charged us incorrectly on the taxes. They did issue us a refund of {$600.00} for the taxes. They also locked in our interest rate on XX/XX/XXXX and charged us over {$700.00} to do so. Then on XX/XX/XXXX, AFTER our rate was locked in, they changed it and then charged us {$1100.00} to lock at the rate we currently have. I would like this reviewed to ensure that this was done correctly, as I do not trust anything that happened during this process. Our cash to close ended up being over {$4500.00}, and that is AFTER {$7500.00} in down payment assistance, due to fees never disclosed. It is a law that I receive a statement titled " Truth in Lending '' and that was never sent during this whole process.
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing just bought my mortgage from XXXX XXXX  XXXX XXXX. A person from the firm called me this morning and told me to gather my loan documents - she needed information from me. She asked me the location of my home, the last four of  my social security number without identifying the institution she was representing. I asked her who she was and what firm she was representing. She told me I had to call her back this evening, that she worked at Select Portfolio Servcing. 

I was notified by XXXX XXXX XXXX XXXX that they had sold my loan ; I have never been late on my mortgage payment. I took my mortgage out in XX/XX/XXXX. 

I called this evening and was told that this firm is a " debt collection agency ''. I do n't understand why my 30 year fixed rate mortgage that has never been late is in a " debt collection agency ''. 

The threatening nature of the call, the insistence that I give my personally identifiable information to an individual I do n't know frightens me. 

Is XXXX XXXX XXXX a " debt collection agency ''? I understand they " own '' my loan but what 's with the threatening behavior? They 've recieved my mortgage payment this month because when XXXX sent me the notice they 'd sold my loan, I put XXXX XXXX in my electronic bill pay immediately and paid before the due date. 

The women that I spoke to this evening told me my mortgage " was not in collections yet ''. 

I checked on the CFPB site when XXXX notified me that they had sold my mortgage to this firm. I am single, XXXX years old and work at a non-profit. I am bearly making it but pay my bills on time. My research indicate Select Portfolio Servicing puts their customers in collection w/out cause, forces people out of their homes. 

Please help me get this firm off my back. I can pay my mortgage but feel they are trying to put me in a category where they can abuse me and take my home. 

Thank you very much CFPB.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach. I discovered that an account with the following details was fraudulently opened in my name without my knowledge or consent : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Amount : {$00.00}