davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On or about XXXX/or XXXX of XXXX, XXXX XXXX company had placed a judgment on me in lieu of {$800.00}, and we came to agreement when we went in front of the Judge, in which XXXX XXXX represented agreed that I will pay my past due bill of {$800.00} which I did, and upon my paying off the debt that they would in return send a settlement letter to the court and me, which they failed to do as a result you have a unlawful judgment against my credit. Furthermore I have found out that XXXX XXXX has been out of business, because XXXX XXXX was contacted on XXXX/XXXX/XXXX by the BBB. In which the company stated they are out of business BBB also reports on a company that is out of for three years from three date the company closes its doors or ceases to do business. Please understand that I 've tried numerous times calling to find out what happen to the settlement letter they were suppose to send me, way before I found out that they were out of business, I 've went to the Courts etc ... trying to get some type of number or address on XXXX XXXX, just to find out through the BBB that they closed or folded their business in XXXX, but never up held their end of our agreement. Now here some 4 years later I find that there is a judgment on my credit by Transunion from XXXX XXXX which is false and need to be removed. Not because they went out of business, but because they never contacted me to let me know that they sent a settlement letter to me or the courts. So with that being said I 'm requesting that Transunion remove this judgment off my credit and send me a satisfied letter stating that this judgment is removed and settle with XXXX XXXX.
Consumer complaint received 2016-04-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

I received a letter in XXXX 2015 stating my loan was being sold to another mortgage company. I called because I did not know what was going on. I was told the situation did not affect me in any way and that I did not have to worry about payments since it was autodrafted from my account. 
Today, I pulled my credit score and saw that I was 60 days late. Freedom Mortgage refuses to remove the late payment even though I told them I would pay the back payments. They refuse to remove it because they said they have tried to contact me via phone and mail. I have not received either. 
Companies buy and sell mortgages without thinking how it will affect the homeowner. I should not be penalized. I did call when I received the letter. This situation is just wrong.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My insurance paid off my XXXX after an accident but XXXX XXXX has it as a charge off on my credit report and has caused my score to suffer tremendously and really has limited my financial flexibility! This loan has been paid off and I want this reflected in my credit report! In the notes when I click on that account through credit karma it says that it has been paid off and dispute has been resolved! I also got a letter from XXXX XXXX saying that it was paid off and this was XXXX off last year. Im not understanding y 7-8 months later it still hasnt been reported to my credit monitors!
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : Dept of EdXXXX XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2016-05-02
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Trademark Management Solutions, LLC. (DE)

the company is called trademark, the number is XXXX they are constanly calling my job and getting smart with me and other employees. i talked to them 2 time, and told them both time i want somthing in writing in the mail and they refuse, and wont give me that until i give them my credit card number. they have given my boss information that they should not be sharing with anyone. they have cussed at other coworkers. I looked the comapny up online and cant find them, they refuse to give me their adress. they threaten me with court papers. i am in the process of trying to get ahold of the actual comapny i got the loan from to see whats going on.
Consumer complaint received 2023-07-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

they are reporting my account late for the month XXXX and this is incorrect I have been going thru a hardship due to covid-19 and had already explained this to them and the hardship department at PennyMac told me this would not affect my credit. I have talked to fha who insures my home loan and they assured me that my account would remain current. I am in the process of refinancing my home loan and this late reporting is causing me a hardship.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX is reporting a balance of {$940.00}. A payment for {$320.00} was made on XX/XX/23 bring the balance to {$620.00} but the balance of {$940.00} is still being reported and it was never updated.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

they are reporting my account late for the month XXXX and this is incorrect I have been going thru a hardship due to covid-19 and had already explained this to them and the hardship department at XXXX told me this would not affect my credit. I have talked to fha who insures my home loan and they assured me that my account would remain current. 

I am in the process of refinancing my home loan and this late reporting is causing me a hardship.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: GATEWAY FIRST BANK (PA)

I opened a checking account on XX/XX/. An account number was issued and I made two direct deposits from my employer. The direct deposits were returned to my employer and the account was closed without notice. Gateway offered a {$250.00} bonus for setting up a direct deposit but did not pay this amount. This caused a lot of problems for me as I was unable to access my paycheck funds that were returned to my employer.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX or XXXX and ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX or XXXX and ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

Received a phone Call from ERC for a debt in XXXX of 2016 Paid debt in full cleared my bank account on XXXX XXXX 2016 still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus.
Consumer complaint received 2017-08-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XX/XX/2016 letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XX/XX/XXXX sometime. It was in XX/XX/XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NY)

Due to the mortgage crisis I became unemployed/underemployed and subsequently filed for a loan modification with my loan Servicer ( previously XXXX, currently SETERUS ). I filed for a modification repeatedly since XXXX, yet each submission was ignored, or denied for arbitrary and baseless reasons. Example, in late XXXX the Servicer denied an application submitted earlier that year stating that I had not identified my hardship as having ended - although I expressly said that it ended and included an end date on page 2 of the Uniform Borrower Assistance Form. I subsequently filed a complaint with CFPB and resubmitted my application. In XXXX XXXX SETERUS offered a Loan Modification Agreement ( LMA ) which inflated the loan amount by over 50 % ( outstanding loan should be ~ {$90000.00} LMA calculated as ~ {$150000.00} ). The inflated loan amount failed to account for loan payments made to the prior Servicer in XXXX and correlated interest due on the loan and, included insurance and tax payments covered by separate payment arrangements. In XXXX XXXX, via certified mail, I sent notice of general LMA acceptance with a requested revision to address their miscalculations. In response SETERUS sent notice of LMA denial for failure to accept terms, but failed to address the loan balance miscalculations.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Asset Recovery Solutions, LLC (VA)

Debt collector from Asset Recovery Solutions , LLC stated that his company represents a legal firm and that my debt was in pending litigation. I did state I 'm having financial difficulties. I am willing to establish a payment plan. However, he wanted me to pay NOW {$250.00} to secure the " payment '' agreement with a credit card. I told him I could n't do that. He suggested I borrow the money. The Debt collector stated that to get it out of litigation I would need to make a payment immediately that would put the debt back with him and not with the law firm. He told me I had a week and if I did n't make a payment before then it would go back to the lawyers.
Consumer complaint received 2016-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

I was laid off from my last job ( severance money ended XXXX XXXX ), I could not meet my mortgage payments to Wells Fargo and applied for a mortgage adjustment. For 2 years, I faithfully sent in all of the paperwork. Because I could not find another job, I applied for SS in XXXX XXXX when I turned XXXX. I kept sending all of the paperwork. The last thing they wanted was XXXX letter from Social Security stating the total amount they were giving me. I was {$1600.00} for me, and {$800.00} for my XXXX daughter and {$800.00} for my XXXX son. They insisted that I get XXXX award letter for all of us, or at least XXXX award letter combining the XXXX children. I went to the SS office in XXXX and they said that such a letter does not exist. SS did not understand why Wells Fargo could not add the numbers together from each benefits letter. I told XXXX XXXX the Wells Fargo rep, I was always friendly ) and he said his manager insisted on it and he 's trying to hold him back. We spoke on the phone with his manager. He was insistent and stubborn. Later he wanted to know if my children 's letter was for survivorship or XXXX. I told him that obviously it is not for survivorship and no one is XXXX. It 's only because I 'm collecting SS and have XXXX children under age XXXX. Nevertheless, I called SS and received letters for each child without the title " XXXX, XXXX and XXXX. '' Anyway I was able to receive benefit letters for each child without XXXX on top of the page, and uploaded it to the Wells Fargo modification website. The end-all, my application was dropped because I did not supply that form and only that form. XXXX XXXX XXXX confirmed this to me on the phone a few times, most recently XXXX XXXX or XXXX around XXXX XXXX. XXXX XXXX had initiated this call to me and said that I could reapply and submit all of the necessary paperwork. At that point I said that I am going to report him.
Consumer complaint received 2017-02-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (OH)

I have been getting about 10 to 20 calls a day from XXXX Jewelers. I asked a month ago to stop calling. They did n't and I continued to get mass amounts of calls. From so many numbers I could n't begin to catch them all. I spoke with a supervisor today and told them I was getting around 15 calls a day and he literally said no we rarely call more than 10. I explained my situation and he said I should return everything. I explained I no longer had it. My husband died in 2016, I lost my job in 2016. I expected to get unemployment for a year but it turns out it was 6 months. They also admitted they called from multiple numbers daily. I am getting the same from XXXX bank those numbers come in unknown or blocked or unavailable. I am so scared to answer the phone, get the mail. I 'm already taking massive antidepressants I ca n't handle the stress. Please help.
Consumer complaint received 2016-04-29
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (TX)

Back in XXXX XXXX I paid off my truck lean early with Santander. They released the lean and send me my original title to my truck. 6-8 months later I received a letter telling me that I owed them over $ XXXX+. I sent all my documentation of payments, account balance showing {$00.00} balance. I certified this to Santander & to the president of the company. I never heard back from them. Last year somewhere around XXXX XXXX I received another letter from Santander stating I owe them $ XXXX+. I called them and again explained that the lean had been paid off, that I sent certified letters with all documentation to Santander and a copy to the president of Santander. The gentlemen told me I needed to send them over {$2100.00}. I then told the gentlemen that the title was released to me, along with notarized letter saying my debt had been paid. I never heard from them again. Now on the XXXX XXXX XXXX I received another letter from Santander that I need to pay them {$2200.00} by XXXX XXXX XXXX or they will repo my truck. 
My husband is in the XXXX and we went to XXXX, the civilian attorney called Santander. She told them that the lean was released paid in full along with the title and sent to me. My attorney was told that she would have to talk to the legal department because they could not locate my account with Santander. The person for Santander came back on the line and told my attorney that the legal department was not answering the phone and that the legal department would call my attorney back within 24 hours. She asked for the repo to be pushed off until this matter is resolved. The representative told the attorney they will not push off because I am supposedly something like 1,825 day past due on my payment. They changed their story to the attorney a few times. They told my attorney that they could not find me. This is false because not only did they send my lean release and title to my address in XXXX XXXX, Texas, they even sent the letter last year and now this letter to my current address here in XXXX, Texas. She also asked for a phone number for the legal department so she could call the Santander legal department directly and was told that there is not a number to call and again the Santander legal department will be returning the phone call within a 24 hour time frame. 
Santander legal failed to return the call to my attorney within the 24 hour time frame. My attorney has drafter and is sending out a letter of dispute to Santander. 
My attorney completed some research on Santander and found that this is something that has been happening to several people. She found y'all are having a suit against Santander and forwarded this to me and hopes that I XXXX have enough against Santander XXXX become part of the case. 

Hope ya have a wonderful day ;
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2023, I received a message from XXXX XXXX inquiring about tires and rims I was selling on XXXX XXXX XXXX for {$600.00}. He inquired about whether I used XXXX for payment. I told him that I did. Then I received a notice from what I thought was XXXX stating that the person that was sending the funds were using a business account and because my account was a personal account needed to be updated to a business account. It stated that the pending payment of XXXX XXXXXXXX. We should be crediting your account now, but funds coming from a business account are pending until the following steps is applied so it cant be credited. We need you to contact the buyer to send in the amount of XXXX XXXXXXXX to your XXXX account so that your XXXX account can be changed to a business account and be credited immediately with $ XXXXThen XXXX XXXX stated that he send the {$300.00} and I had to guarantee him that I would send the {$300.00} fee back to him. Which I did. I was unaware that I was being scammed. I sent the money back from my account on XX/XX/2023, but had a feeling after all the back and forth from XXXX XXXX. I contacted my bank about this being a possible scam.On XX/XX/2023, I received a letter from USAA stating that there was no error. Also that based on XXXX terms of service agreement or payments for goods, or services. They declined to return the money and that should try to make the effort to retrieve my money from the buyer. I tried to contact the buyer via XXXX making a request for return of funds only to find out that the recipient isnt eligible to use XXXX any longer and to contact the recipient to verify the information is correct. I know that the information is correct as they used the same information to send my money to recipient. At this point I am not sure how to proceed and {$300.00} is a lot of money for me to lose due to this type of scam that seem to spoof XXXX information.