davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Experian continues to report a negative payment status ( XX/XX/XXXX ) on a XXXX XXXX account that was settled in XX/XX/XXXX. I have disputed this error twice before, most recently on XX/XX/XXXX. Experian 's response was that it would take up to 30 days for them to contact XXXX and to complete their investigation. It has been XXXX days with no correction of this error and, in fact, Experian continues to move the delinquency to the most recent month ( now XX/XX/XXXX ) for the apparent purpose of causing the most damage possible to my credit. My dispute submitted on XX/XX/XXXX included a reference to CFPB complaint XXXX which was my dispute directly with XXXX. XXXX XXXX response agreed with my complaint and stated, " On XX/XX/XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XX/XX/XXXX. '' XXXX and XXXX did correct this error, however, Experian has simply moved the delinquency to XX/XX/XXXX. They have arrogantly ignored the intent of the instructions from XXXX and now falsely claim that they are " contacting the information furnisher '' to complete their investigation. The response from XXXX clearly indicates the wishes of the information furnisher ( XXXX ) to remove the delinquency so Experian has absolutely no excuse for continuing to report this error. This is a clear and intentional violation of the Fair Credit Reporting Act Since the CFPB has, by federal law, responsibility for the oversight of the credit reporting agencies, I request that the CFPB take action beyond just forwarding this complaint to Experian. It is evident that Experian has no intent to take action to correct this erroneous reporting and is in violation of FCRA sections XXXX and XXXX ( willful and negligent noncompliance ).
Consumer complaint received 2024-09-12
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

I went to see a doctor @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX, on XXXX. 
I provided them with my Active medical insurance which was XXXX with Medicaid, along with a referral. 
I never received a call from them regarding this bill but a year later I got a letter sent to my old address about a bill. I tried to call the billing office several times with no response. I 've left voicemails to which no one ever responded. I called my insurance to confirm that I was active during the visit, which they confirmed I was. Ins Rep : XXXX told me that the office billed the insurance but that it was not payable because the office did not get the proper prior authorization for it. The Ins rep called the office and left a voicemail notifying them that they are not supposed to bill Medicaid patients and asking them to return her call. I continued to try to contact the office every few weeks but the billing office never answered the phone or my messages or called me about this issue. I just checked XXXX and thats how I found out I had a collections report from XXXX on my account. This office has continued to attempt to collect a debt that I do not owe and that they have no right to attempt to collect.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

We had no hot water in the kitchen to properly clean our dishes. This went on for 1 1/2 months. And we had no heat in our apartment which caused us to live in our bedroom with XXXX portable heaters that we purchased. Per Kentucky Tenant Code KRS 383.545, landlords are required to supply these to all tenants which they did not. So we initiated our right per KY law KRS 383.625 to terminate our lease. We sent a certified " XXXX '' letter to the landlord explaining our reason for terminating our lease. We paid the entire month of XXXX 2015 and moved out XXXX XXXX, 2015. We only had 1 month left on our lease which was XX/XX/2015. Our rent was {$1000.00}. We lawfully terminated our lease and they 're trying to collect a debt we do not owe.
Consumer complaint received 2016-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

I received a letter from Commonwealth Financial Systems Inc. Dated XXXX/XXXX/XXXX attempting to collect on a debt. XXXX # XXXX and XXXX. Original Account # XXXX XXXX, XXXX XXXX. *Attached I did not recognize the debt and requested validation via letter Dated XXXX/XXXX/XXXX VIA USPS Certified Mail : XXXX return receipt requested. *Attached. 

The validation request return receipt was returned. *Attached I received a letter from Commonwealth Financial Systems Inc . Dated XXXX/XXXX/XXXX attempting to collect the same debt.They changed their account numbers to XXXX # XXXX and XXXX. However, it is for the same OriginalAccount # XXXX XXXX, XXXX XXXX. *Attached They keep trying to collect this debt ( for only XXXX knows what ) and will not validate the debt.
Consumer complaint received 2016-04-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (WI)

After the car I had owned for ten years died I needed a new car. Went to XXXX XXXX in XXXX, Texas, on XXXX XXXX, XXXX, told the salesman I wanted a monthly note of {$200.00}. Found a car and then I was railroaded by the salesman at XXXX and Ally Financial into a nearly {$400.00} monthly car note. The salesman told me Ally was the only lender willing to give me a loan. On XXXX XXXX, I called Ally to tell them I did not want the loan. Ally 's representative told me if I did not take the loan, it would be listed on my credit record as a default on the loan. I felt trapped. How did I allow myself to get into this situation? I called the salesman at XXXX and told him I did not want the car and he told me I had to keep it for a month. Exactly one month later, I called XXXX back and the salesman no longer worked for them. I felt stuck. I had a job and so I just made the payments. I am unemployed now and can not make my car payments. I called Ally to renegotiate my loan so I can have smaller payments on XXXX XXXX, XXXX and they said I have to make MORE payments in order to reduce my monthly payments. I feel like Ally and XXXX XXXX conspired to entrap me in this endless cycle of high car payments. As an African-American I know that Ally and XXXX XXXX used my race as a way to enslave me with lies and deceit. In XXXX of XXXX I talked with XXXX regarding the lawsuit against Ally. And yes, I was listed as a victim of Ally, and the Settlement Agency was going to send me information. In XXXX of XXXX, I called the Settlement Agency and they said my information came back to them with a wrong address. Apparently, Ally forwarded the Settlement Agency an OLD address. I have been calling the Settlement Agency ever since until finally a supervisor got back to me and said the deadline had passed. I have never missed a payment with Ally. I have always personally called them when I moved. I have received monthly cay payment notices in the mail since I got the car. Funny how when it came to me being a part of this settlement, suddenly Ally provides an old address and not the address they have been sending my monthly car payment request to. I feel stupid for not doing certain things back on the day I bought the car. I should have walked away. I had no idea what I was up against. With that being said, Ally and XXXX XXXX railroaded me into this huge car note. XXXX did not do due diligence in ensuring I was included in the settlement and Ally refuses to re-negotiate a lower monthly car payment, and these are the reasons I am writing to you today : to ask for help. I have no where else to turn and I trust that this bureau investigate my situation further.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CT)

On XXXX XXXX, XXXX I mailed Qualified Written Request to Ocwen Loan Servicing , LLC, which was received on XXXX XXXX, XXXX. The Servicer did not acknowledgemy QWR request by letter within FIVE ( 5 ) days and I am assuming that it will also not respond. 
For that reason, I would like you to submit my complaint with my QWR request to my servicer as soon as possible.
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

I wish to file a complaint against Wells Fargo Mortgage Company ( WFMC ). I have been with WFMC for eight years. I understand that the mortgage is due the first of each month, and a late fee is assessed on the fifteen of the month. I normally paid my mortgage around the fifth or sixth of each month and I never received a letter or a telephone call from WFMC indicating that the mortgage loan is late and the company is trying to collect a debt. 
XX/XX/XXXX-XX/XX/XXXX, I contacted WFMC for a loan modification. The loan was granted and it was mentioned to me that I was a good customer. Nothing has changed, I continue to pay the mortgage around the fifth or sixth of the month. Since I have received the loan modification, WFMC have been calling me on the second, third of each month indicating that they are attempting to collect a debt. The company never did this before. Because I received the loan modification, I guess WFMC assume I am a " High Risk '' customer. 
These harassing telephone calls are very annoying, and I request that they cease calling me. Should I not pay my mortgage before the XXXX of the month, then I can understand WFMC contacting me. 
I would like to know if WFMC contact all of their mortgage customers that does not pay their mortgage by the first of the month or do WFMC just contact the loan modification customers indicating a debt needs to be collected.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been disputing information on my credit report on several accounts for 2 years. I have included excellent proof which consisted of a signed letter from the property manager for account with the name of XXXX ( XXXX XXXX XXXX ), indicating it was paid 5 years as of today and given to me upon payment for my records. Yet they have not deleted it. By law credit bureaus are supposed to delete inaccurate information and by no means should those accounts still be listed after I provided substantial proof. My next step will to file a lawsuit against Transunion and XXXX if they keep refusing to delete the items and intentionally disobeying the mandated laws that are suppose to protect consumers..
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (IA)

My husband died on XX/XX/year> I noticed a pending charge on his checking account, I am listed as secondary on his account, however, I do not use this account. I call them on XX/XX/XXXX that he had died, and I needed to dispute the charge, after many calls and visits to the bank they did freeze the account so no other auto withdraws would go through. they told me today the one pending charge of XXXX toXX/XX/XXXX would go through because I did not notify the bank on the day of his death, ( per Wells Fargo I needed to notify them at least 24 hours before the pending charge ). this charge made his account overdrawn and I was forced to deposit XXXX into his account in order to close his account. I notified them within 24 hours of his death. This has placed a burden on me as I don't have the money.
Consumer complaint received 2024-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (CA)

It is almost impossible to get a hold of customer service to follow up on any questions regarding escrow account either by phone calls, letters and or emails. Their customer service phone help can not and/or does not know how to answer escrow questions and when they claim to transfer your call to another dept the calls get disconnected or falls into same help desk with no knowledge of escrow. I have sent numerous emails, faxes and letters asking for follow ups and then again at no vail. They do not have ANY assistance for borrowers to understand their escrow account and get answers and if you don't pay what states on the mortgage coupon even if you believe the charges not to be corrected, you will get a mortgage late payment against your credit which is not a desirable situation therefore as a borrower you feel helpless and you pay even though you may be overpaying because you can't get answers and explanations to what you are paying. There is a new charge for a XXXX  XXXX on my mortgage statement which is a new fee but my home is a detached single story home and not a XXXX  and I can't get answers. My escrow account keeps going up month after month and I can't get any answers or explanations because I can't reach anyone in their company to help for months!
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (VA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy. 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

There are late fees reporting on my report that I am not even aware of. I have made payments the company told me was due only for them to turn around and report it as late. Even after they had ample opportunity and reason to explain and tell me the actual balances due to prevent this from happening.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Wells Fargo has countered the buyer on this property without having done an interior appraisal. When we requested a copy of the value from Wells Fargo representative XXXX XXXX, he stated Wells Fargo does not have to provide a copy of their appraisal, and therefore does not have to comply with the XXXX Valuations Rule or CFPB guidelines. He refused to help us and referred us to the negotiator instead. We had already reached out to the negotiator " XXXX XXXX '' last week and she has refused to respond. 

We believe, in fact, there is no appraisal on file at all. We believe Wells Fargo has either an automated value or a drive-by BPO on file. To label either of these as an appraisal is Fraud. 

The homeowner has stated they have not given interior access to anyone from the bank. We believe their reluctance to provide a copy of the value is because it does n't actually exist and they simply made XXXX up. 

Wells Fargo said they do not intend to comply with the XXXX and CFPB guidelines. 

This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State, Federal or CFPB guidelines. They think it is a joke.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I saw it have XXXX different issues in collections. I have no idea as to what they are from. A few months ago I had received calls from a pool supply store. I told them that I did not order anything, and did not receive any sort of billing statements. I told them who the individual was who took Mt card information and have n't heard from them since. I have tried to contact the collection company and the phone # is no longer in service.
Consumer complaint received 2024-08-23
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)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2016-07-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Good afternoon- I submitted a complaint to the CFPB on XXXX XXXX. My case number assigned by Citizens is XXXX for Account XXXX held with Citizens Bank. The complaint number issued by CFPB is XXXX. Attached is a copy of that complaint for your review. In the complaint, I stated that the bank was severely dragging their feet on an approval or denial for the short sale package that was submitted back in XXXX of this year for the home I currently own. I received a call from XXXX XXXX in regards to my complaint on Monday XXXX XXXX and he assured me that he would be on top of my file so that the approval could be issued by the second deadline of first lien holder. This extension is the second and final extension that the first lien holder is granting to the closing of this short sale. I was told by the first lien holder that they could only grant XXXX thirty day extension to my file, which they granted for this be closed by XXXX XXXX. I have been following up via email, calls, voice mails etc. to the relationship manager at Citizens as well as the office of the Chairman assigned to my case, XXXX XXXX, and it is XXXX XXXX and this is still not resolved. The closing should have been set up for next Friday XXXX XXXX and I still do not have an approval. I have jumped through many hoops that have been placed in my path by the bank and I have documentation to that effect. With no approval, the buyer can not setup their final inspections, which will cause them not to be able to close by the XXXX of XXXX therefore forcing us to miss the second and final deadline given by the first lien holder and causing the home to go into foreclosure. I have provided everything that they have required of me and then have also provided my time and attention to this matter on other things that they have required / requested from other parties in this matter that were not my responsibility, but in order to provide them what they needed timely I did those things. Had I not provided those things, I could swallow the pill of foreclosure on my home easily however this is not the case as I can prove through my documentation of this case the last several months. 

It should not be to the point that this home should foreclose due to the negligence on the part of the bank. I am emailing this information in hopes that someone will look into this matter and see the negligence that has been caused to my detriment and order the violator to remedy the harm it caused me! If I have to escalate this issue up further, I surely will do that, but I am hoping that someone will get in contact with the Office of the Chairman, XXXX XXXX, at Citizens Bank so that this can be resolved because all of my previous attempts to contact him have failed over the last 3 weeks. XXXX XXXX can be reached at XXXX or XXXXXXXXXXXX. I have copied him here. OR, please contact me at XXXX or at this email address I am mailing from. Thank you for your consideration to this urgent matter!
Consumer complaint received 2017-03-22
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Keith D. Weiner & Associates Co., L.P.A. (WV)

I am disputing this debt - although this debt originated from a student loan I applied for and used for XXXX, XX/XX/XXXX. The dispute arose when I pulled out due to ongoing XXXX, harassment, and issues of intellectual property theft, I had endured since XX/XX/XXXX, when I returned to complete my XXXX degree started in XX/XX/XXXX. 
When the debt was referred to the State of Ohio, for XXXX being a state institution, I began the dispute for the above reason - providing a summary to the Attorney General/Department of Taxation. The issue was not resolved, in that the department refused to acknowledge the issue, and attached my state of Ohio tax refund. The debt of {$4800.00} was referred to a collection agency, my first letter received XX/XX/XXXX.