davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Reverse Mortgage has informed us that they are transferring the servicing of our reverse Mortgage to a company called XXXX. we were not advised of this until a few days ago, and that the transfer will take place on X/X/2017, and that we have no say in this matter. We chose Wells Fargo when we se t up the account because of its financial stability, and would not have chosen XXXX XXXX, and we do not want them to service our a/c now. Complaints about XXXX XXXX are numerous, and we feel we have bee mislead by Wells Fargo. we have asked for our initial costs of setting up the account to be repaid, along with the interest to date, but they have refused. We feel we have been exploited to the benefit of Wells Fargo and their profit motives. We hope you can help in this matter. XXXX XXXX Tel : XXXX XXXX XXXX
Consumer complaint received 2017-08-22
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: EQUIFAX, INC. (FL)

On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by XXXX XXXX. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.
Consumer complaint received 2017-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MD)

Car loan is with Ally Financial we purchased a XXXX XXXX XXXX : Issues : 1 - I requested Ally to note my account that I would be paying my car payment bi-weekly. Yet we were bombarded with phone calls mid-month for the full payment 2 - late charges were added to the account after the bi-weekly payment 3 - When paying using Ally 's online system it would take weeks ( 2 to 3 ) before the payment would be taken from my bank account 4 - If the payment was called-in it would take weeks ( 2 to 3 ) before the payment would be taken out of my bank account 5 - Payments made through XXXX XXXX status of processing for weeks My mother and I are on the loan, I am the co-borrower. Unfortunately, my mother had to file bankruptcy. We received a Consent Order Modifying Automatic Stay and Co-Debtor Stay indicating that payment had not been made since XXXX XXXX and in order to keep the car we would be required to make monthly payments of {$960.00} from XXXX XXXX to XXXX XXXX. 

I contacted XXXX XXXX in XXXX requesting a payment history for all payments for my Ally account number. XXXX XXXX customer service first told me that the verbal request was all I need but when my mother contacted they required a form be filled out. We submitted the form on XXXX XXXX. XXXX XXXX questioned my mothers authority to request the payment information, we resent the form with both our information. 
We have yet to receive the payment history.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sought to obtain my credit report from the Trans Union. They have refused to correct even provide me with copies of my report. For me to know as a consumer, what they 're reporting. Although they 're disseminating inaccurate information about me, I have no insight into their inaccuracies. However, they continue to try and get me to buy credit monitoring services, etc. I 've tried repeatedly to obtain a copy of my credit report, have them reference for inaccurate information, to no avail.
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services (FL)

request for VALIDATION was made : XX/XX/XXXXrespectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Never received anything from them
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a State tax liens that have been paid and filed as released. I want it removed from my public record. 
Ref number XXXX Filed XXXX XXXX, XXXX, XXXX XXXX XXXX Released Amount {$3500.00} Contact details XXXX XXXX County RECOR XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-09-06
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. (MO)

After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro 2 compliant in the verification of their consumer credit reporting as detailed in the description of e-Oscar ( their web based automated verification process ) Their exact e-Oscar definition ( per XXXX XXXX XXXX ) is that " e-Oscar is a web based metro 2 compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX  in which I disputed with them on XX/XX/XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro 2 and the FCRA standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro 2. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.
Consumer complaint received 2017-08-23
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: ALLY FINANCIAL INC. (MO)

Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC. (TX)

I was purchasing a vehicle back in XXXX and Ally Financial ran my credit 7 times, there is no reason why it should put 7 inquiries on my credit report. I sent a verified letter to the dealership and to ally financial, and I got a response back that it was " factual ''. I am trying to purchase a home for my family right now and this is damaging my credit.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

On XXXX XXXX ( case # XXXX ) and XXXX XXXX, XXXX ( case # XXXX ), I filed to disputes the {$250.00} collection on my credit report by XXXX which located at XXXX, PA. ON XXXX XXXX, XXXX, which I checked my credit report for status, I noticed now, there are XXXX collections and they are duplicated reports for the same amount and the same dates on my credit reported for collections ( now, for XXXX x {$250.00} ). I called the Equifax to inform them for duplicated report error, They told me nothing they can do for me, I have a choice to open another dispute case which I did. The new dispute number is XXXX. Not only they did not put effort to resolve my disputes, they made my credit report worth than it was originally. The XXXX removed the report on my credit report on XXXX XXXX entirely.. It is very clear, it is their mistake. I need to remove the collection report entirely and the report by XXXX is not valid. Which I explained on my separate dispute regarding collection agency. 
The Equifax representative were extremely pushy and anxious to sell their service to me, which I refuse to accept it.
Consumer complaint received 2017-09-05
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)

Transunion has failed to validate the below debt and remove it from my credit report. 
In XXXX an Item with Account XXXX XXXX XXXX XXXX XXXX for XXXX XXXX University was placed on my credit. I immediately disputed the debt with XXXX as well as the credit agencies and It was removed from my credit report. I also contacted XXXX directly and told them I have never attended XXXX XXXX University. They stated that according to their records I was set to attend one class to start my XXXX and never paid. I told them verbally that I never attended XXXX and that I inquired about the degree but never signed any documents. They claimed they would look at it. I also sent them a certified letter requesting all of the documentation for the debt. They first replied back with an envelope and form letter with nothing else in it even though it stated they had attached information. To this, I called and wrote another letter. Then they replied back with an agreement that did not have my address on it with no signatures and initials on the document that looked nothing liked my signature. I wrote another letter and called again. This time I received no response. In XXXX XXXX placed the item back on my credit. 
1. This is not my debt.
2. They have no proof this is my debt 3. They have failed to contact me prior to placing this item on my credit. This is a violation of FCRA Section 809 ( b ).
4. They have failed to notify me per FCRA five days before replacing the item back on my credit.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I had contacted this company XXXX XXXX  to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (MA)

I went into XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MA XXXX, to look at a few mattress options for potential purchase. The salesperson, purporting to be the store owner, showed us a few mattresses. He then asked if he could run my credit to see if financing was available. He took that information orally and typed into the computer. At no point was I shown, nor did I sign, any paperwork agreeing to be extended a line of credit, or signing up for a credit card. I left the store without purchasing a mattress. Today, I opened my mail and found that I have been signed up for a Synchrony credit card without my knowledge and against my will.
Consumer complaint received 2017-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have recently opened a Capital One account online and attempted to add my spouse to the account today. I had followed the directions posted on the Capital One website and did not see the option to select add a new account holder as described. When I called to find out what I might be doing wrong, I was advised that I was not doing anything wrong and the option had been disabled on their site. They were working to have it brought back and would hopefully have it done within the next month. I asked if there was any other way I could add my spouse, manual or even visiting a branch and was told this was not an option. There would be no way to add anyone to the account unless this technology was added back. 

I am concerned that this limitation has put my families well being in jeopardy if I choose to continue to leave my money here and something were to happen to me over the period of time while the technology is being upgraded. It seems there should be a " plan b '' to service the customer when they have chosen to disable this method temporarily.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I had a XXXX credit card issued through XXXX XXXX. I just received a statement showing I had paid the previous balance in full and on time, but I was charged {$1.00} in interest charges. I called XXXX and was told that the bank that issues the card, XXXX, charges a " trailing interest fee '', but only for the time between the time they mailed the bill to me and the date they received my payment. Thus, they want {$1.00} in interest charges even though my bill was paid in full and on time. XXXX removed the fee and I cancelled my account. I am concerned that if this fee is legal, it should not be. I am also concerned that others are not catching this extra fee and paying it.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

SPOKE WITH A MANGER TODAY AT NAVY FEDERAL CREDIT UNION AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY NAVY FEDERAL CREDIT CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT NFCU SAYS I HAVE ONE. WHICH IS INCORRECT.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California (CA)

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, as Collection Consultants have sent me a bill with a different address than my own from XXXX. The bill also had a name I do not know and am not associated with. The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files
Consumer complaint received 2017-08-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Seterus, Inc. (GA)

XXXX XXXX XXXX XXXX is named in a lawsuit as owner of my home. I am requesting document to show they own my home or every owned my home. I also would like any copies of assignments, billing, accounting details, etc from inception of loan.
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

On XXXX I received a debt collection notice for {$1500.00} for a closed XXXX cellular account. This debt, however, was paid via XXXX on XX/XX/XXXX. Initially, XXXX did not provide me with a closing bill ( the process took 6 weeks and a complaint to the California Public Utilities Commission before they finally sent it to me via email ). Since I was set-up on " auto-pay '' with XXXX, they charged my XXXX on file - which I charged back with my card issuer while the final amount/bill were in dispute. Upon receipt of the bill, I reversed the chargeback in full ( {$1500.00} ) with my XXXX XXXX and have a statement to that effect. 

I have contacted XXXX corporate no less than 10 times via email, explaining the situation, providing statement copies and a transaction number - only to have XXXX tell me that they " never received the payment ''. XXXX maintains the transaction went through on their end - and again - provided me with a transaction # and confirmation code. To date, two weeks into the dispute process, I have not been given anything further - other than threats of further collection efforts and damage to my credit. I need the CFPB to please intervene here. I am willing and able to produce all documentation, including the endless email trail with XXXX, to prove that my final bill was paid - IN FULL.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am currently enrolled in the Early Assistance Program for the 3 credit cards I have with Capital One due to losing my job in XX/XX/XXXX. Capital One assured me that I can pay my balances anytime during the month without any issue. They have since reported me to the credit bureaus on two of the three cards stating that I am 30 days late on these cards. I have paid within the 30 days. I was told by more than one person that I can pay what I feel comfortable with. The total minimum payment for these cards is {$90.00}. I was assured that paying {$5.00} for each card is appropriate. My credit score dropped 62 points this month because of this inaccuracy that was reported. I feel that I was given the incorrect information and mislead to believe that my credit score will not be affected. It unfair that my credit score has been hit because nobody from Capital One can provide their customers with correction information. I would call them to rectify this situation but I feel that I am not getting the customer service support that I need.
Consumer complaint received 2017-09-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

There is no loan no Valid Contract with SPS, it is null and void for forgery with loan originator XXXX XXXX XXXX OUT OF BUSINESS, and also stealing social security number to defraud go to the fed window by loan originator which there was no disclosure on this. 
THERE ARE SEVERAL ARREST WARRANTS OUT FOR XXXX AGAINST SELECT PORTFOLIO SERVICES, AND MANY OTHERS. XXXX YOU ARE NOW LIABLE TO ME FOR 10 YEARS OF SUFFERING ON THIS FRAUD AIDING AND ABETTING TO ALL THE OTHER PARTIES INVOLVED. THERE ARE MANY. XXXX ARREST WARRANTS SO FAR. ALSO A DEFAULTED BILL AGAINST XXXX. THERE IS NO VALID CONTRACT WITH XXXX XXXX, XXXX XXXX XXXX XXXX. YOU CA N'T SELL SOMETHING YOU DO N'T OWN. 
IF YOU DO N'T BELIEVE ME JUST TRY ME. 
FINAL NOTE ALL ILLEGAL DEBT IS TO BE WRITTEN OFF VERY SOON LEAVE ME ALONE AND MAKE SURE YOU HAVE A WET INK CONTRACT WITH ME PER FEDERAL LAWS BEFORE YOU THREATEN ME AGAIN.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I called resurgent capitol services on XXXX XXXX for a letter stating i own XXXX cents for XXXX XXXX XXXX bill the operator I spoke to threatened to sue me from a Debt I do n't own dating back to the year of XXXX