davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-11
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. (TN)

To whom it may concern,  XXXX   XXXX ,  2017  I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which was  Inquires are a factual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n ot investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consum er In b est regards,  XXXX   XXXX
Consumer complaint received 2017-05-11
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)

To whom it may concern,  XXXX   XXXX ,   XXXX   I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which wa s Inquires are  a factual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be inve stigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consum er In  best regards,  XXXX   XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my consumer report on XX/XX/year> and I realized that the charged off account with XXXX XXXX XXXX XXXX should be deleted because of a time- barred statute of limitations. The last payment that was made on this account was XXXX XXXX. It is XXXX XXXX and this negative account is still reporting on my consumer report. This is a violation of my consumer rights. The amount is {$1300.00}.
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen has reported me late on a couple of my mortgages on XXXX different occasions, yet I made every single payment. The problem stems from them changing the amounts due. I have my XXXX mortgages, a XXXX, and a full-time job to run, and as such I receive upwards of XXXX pieces of relevant mail every month, so reconciling each and every figure against my automated bill-pay amounts, will occasionally result in incorrect amounts. This is NOT the same as missing a payment. In all bad reporting situations, my payments were more than sufficient to cover the due interest and principal, but there was a shortage on the escrow payment. Escrow payments are projected estimates. When Ocwen overestimates the escrow, they send me a check at the end of the year, without interest. When I underpay my escrow, they report to the credit bureaus that I MISSED a payment altogether! How is this justified that they can overcharge escrow, but when I miss a fractional amount of an escrow payment, they can penalize me like I 'm completely irresponsible and destroy my credit?? I 've appealed to them but they respond with robotic zeal and refuse to accommodate me. Other banks send ebills to my bank so the payments adjust automatically ; and if you miss a payment with any other lender, they give you a courtesy call to make you aware of the change in payment amount. Not Ocwen, they have nothing but paper bills ( what century is this?? ), and if you 're XXXX cents below the amount, they just destroy your credit with not a warning whatsoever. Because of this company, my credit remains damaged to the point that I can not refinance, causing me to spiral out of control in my debt as the ARMs adjust. Ocwen will put me into bankruptcy because I was short a few dollars on my escrow payment! Please help me end this bludgeoning.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (CA)

sent XXXX letters to both parties on XXXX/XXXX/16 and XXXX/XXXX/16 as of today no response of verification of debit. In both letters I asked for signed copy to validate the debit.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Hello please see documents for my dispute. ALL THESE PERSONAL INFORMATION ARE ABSOLUTELY NOT ACCURATE. 
A NOTICE THAT THE CONSUMER HAS THE RIGHT TO ADD A STATEMENT TO THE CONSUMER 'S FILE DISPUTING THE ACCURACY OR COMPLETENESS OF THE INFORMATION ; PLEASE SEE SUPPORTING DOCUMENTS FOR MY DISPUTE
Consumer complaint received 2017-05-11
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. (TN)

To whom it  may con cern,  XXXX   XXXX ,  2017    I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017    and they completed the request on  XXXX   XXXX ,    2017. T he request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which w as Inquires are a f actual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer  In  best regards,  XXXX   XXXX
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander Bank, XXXX XXXX XXXX and XXXX failed to do their do diligence, by not calling XXXX bank to properly route funds to XXXX account. This event happened on XXXX/XXXX/2016 at XXXX at the XXXX branch. Ask for a Manager, their was none present. Then had to go to XXXX to cash XXXX bank settlement check.
Consumer complaint received 2016-08-12
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial (CA)

I have been contacted from the number XXXX XXXX and XXXX XXXX and threatened for non payment of loan, which was paid. The company did not give a name but they said it was a law office in XXXX XXXX California and said a sheriff would be sent with paperwork if not today, in a couple of days. I stated what they were doing was against the law and they said it was n't. Please stop this company and their tactics.
Consumer complaint received 2016-05-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (IL)

Blatt , Hasenmiller , Leibsker & Moore , LLC has sued me and has been going to court dates without my knowledge of any of it. They are sueing and has threatened myself and my employer ( as of yesterday XXXX/XXXX/XXXX ) for garnishment of wages, all for an old XXXX XXXX XXXX that I did have about 8 years ago that was left with maybe about {$80.00} balance on the card before I closed it. Blatt , Hasenmiller , Leibsker & Moore , LLC is now attempting to garnish my hard earned wages without any of my prior knowledge in the amount of {$2100.00} for the aforementioned old credit card debt. They have not contacted me, and I have not received any mail from this company ever. They called my employer yesterday ( XXXX/XXXX/XXXX ) for an " active employment verification '' and my employer told me that Blatt , Hasenmiller , Leibsker & Moore , LLC had forced them to complete their garnishment report and said that it was court ordered. My employer told me what was going on so I then called the number back that they 'd called from and spoke with a representative of Blatt , Hasenmiller , Leibsker & Moore , LLC, named XXXX. XXXX explained to me that this was from that old credit card from XXXX and that it is too late for me to do anything because they were already in the garnishment process and told me that they were taking 15 % of my wages until they reach a total of the {$2100.00}. He told me that they will not offer me a payment arrangement, or a settlement because they did n't need to as they were already going to just TAKE the full amount. I do not owe these people {$2100.00}, I have never received any communication nor court papers from these people and now Blatt , Hasenmiller , Leibsker & Moore , LLC has said that they have another court date on XXXX/XXXX/XXXX at the XXXX XXXX at XXXX ( which I still would not have known of if I had n't reached out to them ). These people are bullying a law abiding, tax paying single parent like myself and I am sure many others as well. Now I have to take off of work on Tuesday ( losing more money ) to go downtown to see what can be done. Although XXXX told me that nothing can be done and that they are taking everything. How is this possible? They have also had a really negative impact on my credit report in the public records section. The actual credit card is no longer even on my credit. Please Help Me. Thank you.
Consumer complaint received 2024-10-12
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. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-12
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. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$13.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-08-12
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Delta Management Associates, Inc. (MD)

This matter arises out of a dispute sent to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX, NH XXXX. ( See : Attachments ) XXXX XXXX failed to reply to my XXXX request and upon dispute transferred the debt to Delta Management Associates. ( See : CFPB Complaints # XXXX and # XXXX ) Upon the CFPB complaints Delta Management Associates then transferred the debt to XXXX XXXX who is attempting to collect the same debt that has yet to be validated by XXXX XXXX and/or Delta Management Associates. In response Delta Management Associates in complaint XXXX I specifically stated my opposition to Delta Management Associates that I did not authorization and/or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. I requested that any and all file ( s ), contract ( s ) and or information containing the name " XXXX XXXX '', address, email address, phone records, social security number, credit card information, phone number ( s ), etc. in any variation, spelling or derivative is to be DELETED from Delta Management Associates records. The company has dishonored my request. I also opposed to the disclosure, publicizing or revealing of any personal identifiable information to Delta Management Associates or any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which Delta Management Associates is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with Delta Management Associates. XXXX XXXX and the aforementioned companies have violated XXXX XXXX et seq. in attempts to collect a debt by using false, abusive, deceptive, or misleading representation or means in connection with the collection of a debt ; attempted to extort payment with false litigation threats, false garnishment threats, threatening to enter a judgment also in violation of Section 807 ( 5 ) of the FDCPA, XXXX ; XXXX XXXX are " debt collector ( s ) '' engaging in deceptive and abusive practices that violate the FDCPA. In XXXX, the " FDCPA was enacted as a broad remedial statute designed to 'eliminate abusive debt collection practices by debt collectors, to insure that those " debt collectors '' who refrain from using abusive debt collection practices are not competitively disadvantaged. ' '' ( See : XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX see XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX. XXXX ).
Consumer complaint received 2016-07-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CA)

Most recently - they closed my savings account without giving me prior notice ( of ANY KIND - no email, letter, phone call, nada ). When I called the XXXX number to ask what was going on, the woman told me she was unable to give me any information and that I needed to call the branch. When I called the branch she told me that they do n't have anything to do with closing accounts and that I needed to call the XXXX number ... ... eventually I was informed that if my account had a XXXX balance for 3 months they AUTOMATICALLY close the account - I maintain that they should be required to let me know they are going to do that ... ... 

In the past year - they have replaced my atm/debit card three times - with no explanation. On XXXX XXXX I left to go on vacation and discovered that they had de-activated my atm card, stating that they had mailed me a new one that had never been activated ... .I never got the other card. Spent over an hour on the phone while they re-activated my card and then shipped me out another new one. The original rep I talked to was unbelievably rude, and put me on endless hold when I asked her to transfer me to a supervisor. 

The branch notified me almost 6 MONTHS after I ordered them that they had my checks ... ..I placed that order 3 TIMES and NEVER got the personalized checks I asked for and ostensibly paid for. 

Overall, the phone reps I have talked to in the last two years do n't seem to know what they are doing and they are rude. 

I used to be super happy with this bank, but the last two years I have had increasingly poor service and I now have absolutely NO CONFIDENCE with this bank - where I have had an account for over 20 years.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

I have been trying to ascertain why Experian dropped my XXXX score by XXXX points on XXXX XXXX, 2016, after raising it by XXXX points six days earlier. I called Experian, but they deliberately have their system rigged so that the customer service representative will not know why/how they made their calculations.
Consumer complaint received 2016-07-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Auto Loan collections dept. continues to contact and harass me regarding repayment of auto loan after 7 years of payment, garnishing my Wells Fargo checking account, ignoring payment agreements made through Consumer Financial Protection Bureau, and repossession of vehicle.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I have had a loan with XXXX XXXX XXXX for at least 10 years. No problems I sent in my mortgage on time all insurance and taxes were paid on time. They sold my loan to this new company Seterus. I NEVER received a welcome package. The only way I was advised my loan had been transfered was that my check for my mortgage was returned by XXXX XXXX XXXX with a letter with this company XXXX who is now my new lender. Well by the time my check was returned my mortgage was late. I called the number given me and a person reassured me that my loan " was n't in the computer yet '' and I would not be charged any penalties for being late. I have called them back Thursday to check what the status was. and now 2 months have gone by. I finally was able to send a check in and get an account number. Then they ask you to fill out a form on-line, so I did so. I tried to get back into the account after I was e-mailed an important message that I needed to check on the Seterus website. I logged in and it has me logged out. I called and luckily I punched the correct numbers ( the call center is just a bunch of recordings and if you punch XXXX it knocks you off the phone. ) I had been locked out of the account because I am not the account holder my deceseased husband is. Well my husband died 4 years ago, XXXX XXXX XXXX was informed of this and my mortgage was paid on time every month. I need some kind of help because they refuse to help me.
Consumer complaint received 2017-07-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc. (AL)

I received a wage garnishment for   XXXX   XXXX     XXXX   using my SS # and my address. I have no idea who this person is. I contacted the collection agency and they could n't give me any details, other than I need to file a dispute but my wages could get garnished and then refunded if my dispute is deemed credible. I have submitted a dispute to the dept of education on their website but I have no idea how long this will take. I ca n't get any information about this   XXXX   XXXX   XXXX   XXXX    loan documentation. I do n't even know what to do next! Help!