davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

CFPB report XXXX was filed on XXXX. I informed transunion that this was submitted by fraud and that they were suppose to have a block on my account. Transunion responded that they could not find the inquiry from one main in their records. attached is from the XXXX website showing that it is still in fact on my report, even after failing to put a lock on the account and stating it was not there. also, please note that there is a ftc id theft report ( # XXXX ) out there showing that this is a fraudulent inquiry that transunion did not prevent from happening as well as inquiry from clarity. rather then fixing these inquiries, the phone rep tried to upsell me into a different credit lock since they had not done theinitial one properly
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have filed a dispute in regards to an incorrect item on my credit report. It has been well over XXXX  days, and the accounts have not been removed. Experian failed to delete the following items/accounts that are not mine. I have never done business with the banks XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding credit accounts. Failing to comply with US code 1681i. These accounts are not metro to compliant. They should have been deleted for not following the industry standards. Required to maintain maximum, possible accuracy
Consumer complaint received 2016-10-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

IQ Data International first attempted to collect a debt I did not owe, back in 2012. They listed a certain amount, and reported it to the credit agencies. Now, FOUR YEARS LATER, the same company has listed an entirely different amount, and reported it to the credit agencies. 

This is illegal.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion had a glitch in their system that violated the rights of their consumer under section 6.11. As a result I have multiple hard inquires ( falsely ) reported on my credit report. As a result of this violation my credit score has been effected and suffering. Notice was never given which is also a violation. As a result of this I am requesting all inquires be removed. 
I have attached a copy of my transunion inquires in the attachment section.
Consumer complaint received 2016-05-18
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America made an inaccurate assumption regarding one bank item on my account. Without allowing me to rectify the situation or even allowing me due process they reported me to XXXX and has refused to accept payment on to clear up the overdraft three times. I attempted to pay for this item THREE times in person at a bank branch and each time I was made to wait for at least XXXX minutes to an hour while the branch person called people at different offices and each time the payment was refused. worst of all I was told that even with the payment they refuse to reopen my account. This was the only time I had a problem with the account. In addition the last time I arrived with cash to a branch to pay for the item, they added {$59.00} dollars for a service that they did not, nor could they provide a specific explanation as to service they had provided, they just knew that I owed it and it was in the system. Furthermore I was severely criticized by a number of B of A employees for taking such a long time to clear up the matter. And they continued to refuse to accept a cash payment from me or sell me a cashiers check for the cash to clear up the matter. 
The Desired resolutions is I that I humbly ask for Bank of America to forgive my error accept my payment for the bad item and reopen my account. More important I humbly request that they remove the inaccurate report about my account to XXXX. I did make an error in filling out a check but I was in no way intentionally attempting to commit fraud. I stated this numerous times and I attempted to take care of this initially when I discovered that I made a mistake on my entry and the check that I provided. Unfortunately B of A refuses to accept my explanation or my money. It seems they just want to ruin my financial life. The information they are reporting is so inaccurate and so far from my character that I wo n't repeat what they are saying.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I paid XXXX collection accounts that appeared on my credit report. XXXX of the accounts was promptly removed from my credit report the other XXXX-Trans Union is stating will remain for XXXX years. I am going through a mortgage process and this is preventing my approval. Even though its been paid, they are refusing to remove it from my report. I have letters of satisfaction stating paid, they told me to fax it over to them. I attempted to fax-and it was unable to go through. They kept telling me that the creditor has to give them APPROVAL to have the debt removed. I called both creditors, 1 ) the XXXX XXXX XXXX XXXX, they said it takes 60 days for the time the payment is received and when it will be removed. 2 ) Escallate, the removal had to be approved by the Vice President of the company. Either way, the debt has been paid, it should be removed.
Consumer complaint received 2016-05-18
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (MO)

The company called ARA Prelitigation Firm contacted me from a private number and said that I was listed as a point of contact for an individual who has XXXX pending check fraud alegations against them. They are going to verify my residence and my place of employment so that documents can be delivered to me accordingly. If I am just a point of contact what kind of documents am I responsible to receive? They are trying to collect non existing debts from easily convinced individuals who will fall for their scare tactics ... I am not one of them!
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Plutos Sama, LLC (MD)

I found a property listed for sale on the XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX and place a {$20000.00} dollar deposit on it. Now I just learned that the Property is listed for FORECLOSURE SALE. See link below. Can someone please tell me whats going on.. 
XXXX/XXXX/2016 / XXXX XXXX XXXX County XXXX XXXX XXXX XXXX Court Fee Simple {$41000.00} XXXX, MD XXXX XXXX Lien
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2016-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I got into an accident and my car was declared totaled. After my insurance and the gap made the respective payments I was left with a balance of a little over one thousand dollars. I always had the best intentions to make the payments to the point that as soon as I was in the accident I was going to make a payment, however, I was n't able to since Capital One had already turn off my account. Then I started receiving phone calls from an auto dialer and every time I picked up was always a machine. Then I was able to find the time to make a phone call and I was close to then get to a settlement. After that I had a loss on the family and had to leave the country and also incurred into many expenses that I had n't budgeted for. When I came back I saw that Capital One had negatively reported me to the credit bureaus which caused for my FICO score to drop over XXXX points. I did not like that since I had been working on fixing my credit for the last XXXX years to purchase a house. With this drop it is nearly impossible for me to get qualified for anything. I also went ahead and got to a settlement which I paid the same day I got on the phone with someone. I find ridiculous that my credit took such a dive due to this.
Consumer complaint received 2016-05-18
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates has been and is knowingly reporting false information and using false threats of imminent lawsuits to attempt to collect a debt. 

I began receiving threatening phone calls on multiple phone numbers belonging to myself, my XXXX parents, and my girlfriend, where Portfolio Recovery Associate 's employees were stating an attorney had reviewed my file and a lawsuit was going to be filed in XXXX XXXX county, where I resided. As these were mainly left as voicemails with no identifying information, it scared and intimidated my family and I. I began incessantly checking the court docket to see who might be trying to sue me. I was n't aware of any pending litigation and had not received any type of written communication. My XXXX mother is still afraid someone is going to sue one of us due to these calls and voicemails that she received as well. I retrieved my credit report and found XXXX accounts listed from Portfolio Recovery Associates. I was alerted to the CFPB investigation and realized I was a victim as well. 

Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. Apparently they bought XXXX accounts, XXXX from XXXX XXXX and XXXX from XXXX XXXX and have continued to falsely report themselves as a factoring account company which they are not and they list a past due balance, but I 've never entered into any contract with Portfolio Recovery. How can I be late? The account numbers are partially listed on my credit report as XXXX and XXXX. This is a collection account that is not being reported as such and is further negatively affecting my credit report and score due to this company 's false reporting. I 've attached a screenshot of my credit report showing I have no collections, but yet Portfolio Recovery remains due to their false reporting. 

In addition, they are inflating the amount owed to show an amount higher than what was reported by the original creditor as shown in the attached screenshots. They are also falsely reaging the account, reporting a date of first delinquency that is much later than actual, forcing this to stay on my credit reports longer than it should. I 've attached the payment history reported by the original creditor, showing a much earlier first delinquency. 

Portfolio Recovery Associates has made my life a living nightmare, with the threatening phone calls, and intentionally reporting inaccurate information to essentially poison my credit report. They 've never even mailed me a dunning notice so their sole intention is using aggressively deceptive, illegal tactics. 

We are looking to purchase our first home and this is severely hindering the process and causing a great deal of XXXX. We have a small child with XXXX plus XXXX and need this to be resolved ASAP.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

On XXXX XXXX, 2016, I disputed the account specified in the attachment with Experian. I am asking that this account be removed from my credit report because it does not belong to me. I have no idea what this account pertains to.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Stellar Recovery, Inc. (FL)

I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I did n't know that the bill was send to collection without my knowledge, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Six years ago we applied for a home loan modification. After being told that we had qualified and had been approved for our loan, we were then told that the loan was denied. We did not know where to go for help. We hired a lawyer and stopped paying our mortgage payment at his advice. He told us he would handle our case and that he should be able to get us a loan mod within a year or two. We have been waiting for something to happen since that time. Now we have received notice of foreclosure and trustee sale of our home on XXXX XXXX, 2016. We have lived here for XXXX years XX/XX/XXXX. We were always on time with our mortgage payments until our " Pick A Pay '' went up above $ XXXX/mo. Wells Fargo will not answer the phone when our lawyer calls. Wells Fargo will not even discuss a loan modification. Our lawyers have determined that we qualify for a HAMP loan modification, but Wells Fargo is going ahead and selling our home out from under us with no negotiations whatsoever. Wells Fargo should be prosecuted for ignoring the programs that could help people like us, retired and taking care of our XXXX veteran son.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (IN)

I received a statement from Paypal regarding a pair of children boots I purchased on XX/XX/XXXX for XXXX. I request all my statements to be mailed which was never done. I notified Paypal CSR and spoke w/mgr. I was told statements sent via email, which I do n't read often that why I request paper statements. I was told the purchase of boots was only {$29.00} plus any late fees and interest. I made a payment of {$29.00} on XXXX/XXXX/16 leaving a late fee and interest balance of {$25.00}. I closed the account on XXXX/XXXX/16 after the payment of the boots. Apparently the account was not closed. After my Attorney contacted them via letter I started receiving paper statements. On XXXX/XXXX/16 email statement bal {$64.00}. Paper statement XXXX/XXXX/16 bal {$100.00}. Paper statement XXXX/XXXX/16 {$130.00}. Paper statement XXXX/XXXX/16 bal {$170.00}. Paypal have added exorbitant fees on to the account for a minimal payment of {$25.00} late fee. I agree w/ {$25.00} late fee but not the other fees. 

My Attorneys sent letter XXXX/XXXX/16 & XXXX/XXXX/16 and sending XXXX today. Stating we have reviewed XXXX XXXX account balance and transactions with her. It appears that you have failed to provide a paper statement on her account as requested. Further it appears you have added exorbitant fees on to the account for a minimal payment of {$29.00}. Thus, we would demand that you XXXX out XXXX XXXX account and send her written confirmation of the closing of this account. 

1st letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 2nd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 3rd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX As of today no response of account being closed from PayPal just statements with late fees and interest.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MI)

I have disputed this inaccurate data fro over 2 months, They are not giving me a date of when I can expect to have it complete or resolved or to confirm. I have included my efforts, as you can see they have it listed under dispute with no due date, it has been in limbo almost 60 days
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

EQUIFAX is VERY convincing when they say my home loan not being restored to be reported by EQUIFAX is completely XXXX 'S FAULT. 

XXXX is very convincing when they say that it is EQUIFAX 'S fault that the home loan is still not showing on EQUIFAX. 

Both parties seem to be engaged in a XXXX stand off, that by definition requires a third party to end. 

There is a NEW XXXX stand off between XXXX and EQUIFAX and my autistic son XXXX XXXX is getting hurt by XXXX and EQUIFAX blaming each other instead of restoring my perfect XXXX year payment history so I can get a personal loan to fix my son 's teeth. An emergency room doctor said that if he had teeth like my son, he would want to be on morphine until the teeth got fixed. XXXX can not take morphine and is suffering intense pain until XXXX and EQUIFAX undo the damage preventing me from getting a loan for XXXX ' dental XXXX. This nightmare has been dragging on for months now. Here is a link that shows you XXXX was engaged with a similar XXXX Stand Off with TransUnion in XXXX 2016. The ongoing and various delays have turned this into an Americans With XXXX matter. My son could have had his XXXX by now. Because of the various delays, we have no idea when I will be able to get the loan now. I did nothing wrong. My autistic son XXXX did nothing to deserve being kept in pain like this. Here is the link to the blog about this most recent XXXX Standoff with XXXX and another party with me and my son trapped in the middle. This should not even be happening. 

While the lion 's share of this ordeal rests with XXXX for creating the problem in the first place, EQUIFAX is not making it a priority to resolve the problem and is engaging in the blame behaviour which creates a XXXX stand off situation. Both parties need to realize they are harming an autistic young man who has done nothing to deserve the XXXX their ridiculous delays are causing him. 

XXXX XXXX
Consumer complaint received 2016-05-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

On XXXX XXXX, XXXX, I accepted a Mortgage Loan Modification Agreement from Ocwen Loan Servicing , LLC . Ocwen 's Contract Management Modifications Coordinator, XXXX XXXX, signed-off on the agreement on XXXX XXXX, XXXX. Subsequently, all of my monthly mortgage payments have been paid on-time or ahead of the due date, which is the XXXX of each month, as required. However, on four [ 4 ] separate occasions since the approval of my Mortgage Loan Modification, Ocwen has placed my account on a Trial Modification Plan and/or Forbearance, despite the fact that I have not defaulted on the agreement. In addition, I received a " Notification of Default '', dated XXXX XXXX, XXXX. Note, that each time an incident occurred I contacted Ocwen Loan Servicing LLC., to dispute the recurring problem. As a result, they would refer me to an " Escalation Manager '' and/or their Research Department to have the issue resolved. Subsequently, each " Escalation Manager/Specialist '' [ XXXX ext. XXXX, XXXX ext. XXXX, XXXX ext. XXXX, XXXX ext. XXXX ] would allegedly investigate, then resolve the issue, over a period of one [ 1 ] to two [ 2 ] months, only to have the situation recur. Nonetheless, XXXX continue to receive harassing telephone calls from customer service informing me that I have an arrearage that needs to be paid, mortgage statements that indicate my mortgage is on a " Trial Modification Plan '', and more recently a " Default Notice ''. My mortgage is clearly not in default. Payments are made directly from XXXX XXXX XXXX on the 30th or last business day of each month from my checking account, once my Direct Payday Deposit enters my account. This is extremely frustrating. Please help resolve this issue.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.