davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (AZ)

I am a victim of labor XXXX  The information listed below which appears on my credit report is the result of XXXX  COMPANY NAME XXXX XXXX Acct DATE OPENED XX/XX/XXXX COMPANY NAME XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX COMPANY NAME XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX COMPANY NAME XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX Company Name XXXX Acct XXXX Date Opened XX/XX/XXXX Company XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Pioneer Credit Company, Inc (GA)

I Held the check Pioneer Credit sent me for about 30 days before cashing it. I call Pioneer credit before cashing the check asking them if I pay off the loan early will there be any prepayment or other fee 's and what will the pay off amount be since I will not have the loan for the full term. I was advised there are no additional fee 's and I can call in to get a payoff amount anytime. After cashing the check, more then 30 days later I never received a statement in the mail. Pioneer Credit called me stating I have a pass due balance, I told them I never received a bill, I was advise that they do not send out bills, I ask why did n't you disclose that? They said they just do n't do that and waive the late fee and advise me to go to the website and create a account. When the next billing period came around there website would not allow me to register, so I called them and was told there is nothing they can do about the website but they can manually send me monthly statements as a courtesy. I never received any statements from this company. Once I realize my bill was coming up with them, I call to pay and get the payoff amount. I was told by a female ( note I misplaced were I wrote her name down at ) it was {$2500.00}, I ask why is no money getting applied toward the principle, she stated she do n't know and put he on hold several minutes to look into, when she came back she said its only based on the full loan term. I stated I 'm not keeping this loan the full term I want to pay it off because there 's too many problems with this loan. She then became irate saying you signed for it just look at the paperwork. I then stated this company seem like loan sharks and ask to speak to the manager. I ask him the same questions he gave me a higher number XXXX and XXXX if I wait until next month. I stated what? that makes no since why is n't my balance going down? The manager stated he was not educated in that field and cant answer my question and apologize for it.
Consumer complaint received 2016-11-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (UT)

Our mortgage company is refusing to take just one contractual payment and our loan is not in a foreclosure status. We have filed for assistance because we are going through a financial hardship, but they have denied that. We have advised them that all we can do right now is make monthly payments until we 're able to catch up but they are refusing to do so. They wo n't accept a payment from us unless we schedule two payments within the same month.
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. (PA)

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I want to bring to your attention the Inaccurate reporting thats being furnished on my consumer report by the credit reporting agencies. These accounts that are being reported is 100 percent Inaccurate. And they should be removed immediately. 
Thank you.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$0.00} This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
2. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$120000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
3. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$820.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
4. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$81000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate.
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems (CA)

I checked my credit report on XXXX XXXX and notice a collection debt. Called up a company named Midwest Recovery who was not the original creditor. I told them there must have been a mistake. So I disputed the debt. The original collector was XXXX XXXX XXXX XXXX. I never heard of them and never borrowed money from them, but some how they got my personal information. The debt that they said I owe was in the amount of {$660.00}.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (PA)

I had an interest rate lock agreement with TD bank during my mortgage application process. Just after a day of my application loan officer denied to offer me the same rate. He has been promising me to offer competitive rate but not the same rate. I have a contract signed with seller amd have paid earnest money. Now within less than a week from loan application date, interest rates are increased. So if I go to another lender, they will charge me more. What options do I have to make sure that the bank keeps the commitment? Can I file a complain if they do n't keep the agreement?
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Paid my mortgage in full, by wire transfer on XXXX XXXX, 2016. Ocwen has failed to submit document ( Deed ) of Reconveyance to our ( California ) XXXX County Clerk 's Office. Phone calls to ocwen offer no acceptable reason for their delay in filing.
Consumer complaint received 2016-11-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (LA)

My house flooded, I have received my insurance claim, and my bank is holding it. A few problems with this, for one, the amount of the check is for more than I owe on my Mortgage, legally my money. second is I have used my own funds to pay a licensed contractor to begin works, and filed all the paperwork in XX/XX/XXXX they are making to problematic to recoup my fund, 3rd they have questioned my Power of Attorney. Thus holding up transfers. The amount of money is XXXX total, they are slow to respond, and simply are taking way too long to get me the funds. So far only " releasing XXXX ''. They want to mail a check is 6 business days ... ..and continue to maintain they have not gotten paperwork that has been sent 3 times.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Inquiries of the same type on the same day arent supposed to show as separate inquiries and Experian is reporting XXXX different hard inquiries done on the same day as of XX/XX/year> and they wont pull them down or combine them as 1 like it says they are supposed to do it has caused me to get turned down by a lender as to many inquiries on my Experian credit report. If they were reporting it right I would have XXXX inquiries not XXXX.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MO)

Equifax refuses to show correct balance for XXXX For XXXX and XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX not showing the XXXX payment I made to them. I received XXXX credit from XXXX XXXX XXXX not showing in the correct balance owed. 
I want an investigation as to why Equifax not showing correct balance Owed for these XXXX creditors. 

XXXX XXXX XXXX
Consumer complaint received 2016-11-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (OH)

I just checked my credit and have a collection attempt showing up this month from a company called Midwest Recovery Systems claiming to be collecting on behalf of XXXX XXXX XXXX. I 've found this to be a Pay Day Loan service. I have never in my life obtained a Pay Day Loan, from XXXX XXXX or any other Pay Day Loan company. I 've emailed them saying the debt is n't mine and that it is fraudulant, but in looking online, it seems I am just one of many consumers being impacted and targeted by these XXXX companies. I also would like to add that I 've never been contacted by this company in any way prior to them showing up on my credit report.
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bliksum, LLC (CA)

Below is a transcript of the voicemail that was left for me on my cell phone. 

" My name is XXXX XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from XXXX XXXX XXXX XXXX, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX Extension XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up ) '' The collector also called me at my office. He then disclosed he was calling about " Loan Me. '' He stated the balance that he said that I owe telling me it was charged off XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. 

I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: U.S. Collections West, Inc. (AZ)

this debt was paid in full as of XX/XX/2016 thru payroll garnishment as of XX/XX/2016 the garnishment started back up I called to collection agency and the rep was so rude and condisending I ask her how much do I owe she told me XXXX I offered to pay that on the spot to clear this up she then stated she does n't know if that will stop the garnishment because intrest is being added to the account ... this is fraud I was court ordered to pay a set amount but every time I call its a different amount and never can get a straight honest honest about my account
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I sent a DOFD letter to Equifax on XXXX/XXXX/16 via certified mail that was received by them on XXXX/XXXX/16. I have not received a response and, therefore, according to FCRA such items should now be removed from my report. There are several inaccuracies in this credit report including : 1 ) A collection account showing with no creditor name, 2 ) Various student loan installment accounts showing as opened that have been closed for multiple years and 3 ) Student loan accounts that are currently paid as agreed showing as collections. 
As these disputed accounts have not been investigated and responded to within the 30 days allotted by Federal law, according to FCRA, I am respectfully requesting that all items on my DOFD dispute letter dated XXXX/XXXX/16 be removed.
Consumer complaint received 2016-11-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Besides a stack of XXXX plainly forged checks on Bank of America ( BOA ) which I recently submitted the complaint to CFPB, I would like to dispute another problem with BOA as follows : Recently BOA claimed a delinquent utility bill and automatically paid for it on my behalf, and then debited it on the monthly home loan account dated XX/XX/XXXX as " current period fees and charges ''. I did not have any details of the utility bill, but I presumed that it incurred before the date of release from prison on XX/XX/XXXX, and during the staying in the prison from XXXX to XXXX. I do not see any reason and any way to subscribe the utility service for my house at XXXX XXXX XXXX XXXX, XXXX OK XXXX that has been vacant without any authorized occupant and extensively damaged due to multiple break-ins ; the valuable properties in the house and the vehicle in the garage were stolen off ; so were ID and several credit cards ; check books of XXXX banks including BOA ; personal, investment and legal documents happened XX/XX/XXXX. In the light of identity theft and frauds in the time frame XX/XX/XXXX -- XX/XX/XXXX, I believe that the utility service was subscribed by fraud or unauthorized subscriber ( s ) unless BOA can prove otherwise or offers any logical explanation or speculation. 
I would like to have this problem be corrected fairly, or a credible and accountable explanation from BOA. 
Respectfully XXXX XXXX XXXX
Consumer complaint received 2016-11-09
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: HCFS Healthcare Financial Services of TeamHealth (MT)

I am receiving numerous calls either to my cell or now to my employer.. leaving a number of XXXX ARS. I am fed up with being harassed on my phone and now at my work. 

I do not owe ARS anything and if I do, they should go through the proper channels of collecting a debt. ie, sending a statement.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given to me which is a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: United Check Recovery Bureau, Inc. (CA)

XXXX is a transcript of the voicemail that was left for me on my cell phone. 

" My name is XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from United Check Recovery Bureau, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX XXXX XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up XXXX '' The collector also called me at my office. He then disclosed he was calling about " XXXX XXXX. '' He stated the balance that he said that I owe telling me it was charged off in XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. 

I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

In late XXXX to early XXXX, my mortgage loan servicer, Ditech, had been undergoing significant internal software changes. Twice there were disruptions on payment due date notifications, and when I attempted to pay, their system did not register it correctly. Ditech even waived late fees in acknowledgment of fault. Now, there are XXXX 30 day late payments negatively affecting my ability to refinance. Multiple customer service calls were had in which there was understanding conveyed it would be remediated. I 'm also a flight attendant and often travel, making communication and opportunities to resolve matters more difficult. Ditech agreed they were at fault for the reporting errors but have yet to adjust for the bureaus. Please help to resolve this.
Consumer complaint received 2016-11-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (MD)

Hello! 
My name is XXXX XXXX. I am currently a XXXX. I had originally loan Wells Fargo student loan about {$16000.00} XX/XX/2010 for XXXX University. As of this year, I noticed that my interest rate as increased to about {$5000.00}, which all together is {$21000.00} I own from them now. However, since I was very interested as to why they are already charging me interest while I am XXXX, I personally went to a Wells Fargo local bank to speak with a banker. As I was there, they called the call center for student loan and I spoke to couple of people, but I still felt like I was n't really given an answer as to why they are charging me already, if I am still going to school. Please, if I could get some answer and some solutions to my claim, will truly be great. It is very XXXX, first as a single mother, who is looking for a place to rent, but is n't able to find a reasonable one because of how the student loan have decrease my credit score. I will truly appreciate the assist. 

Thank you XXXX XXXX
Consumer complaint received 2016-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IA)

I had a credit through my XXXX, my lawncare service for applications and I had a XXXX application on my lawn that would cover the cost. Even with the credit, XXXX called about the debt and recently received a collection notice, even though I had a credit that was in excess of the amount owed.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

There are late payments on this account ( XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2016-11-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC (CA)

To : RISE Re : Complaint for Loan Number XXXX XX/XX/2016 To whom it may concern, I am a visually impaired person, with a monthly income of less than {$900.00}. I can surely say that I had no idea that the monthly installment would not be applied to the principal loan amount. After my aid read to me just a few days ago that I was not paying off the loan all of the money was going to interest and only {$19.00} was applies to the principal. Not to mention I clearly understand the terms of RISE loans. But I do not have that kind of money. I am requesting that you cease deducting {$520.00} from my bank account effective XX/XX/2016. The loan amount to my understanding should have been paid in six month, according to my understanding. 
How I was able to allow a family member to utilize my information to obtain this loan? On the other hand I am not mentally or financially able to pay this overpriced loan on a fixed income. Abused my medical condition and scared I into this position, while she works for XXXX and promised to pay RISE it back in full. No response from her, since I paid all her bills with the loan. 
I have struggled for the last five moths giving RISE most of my income, and I can not make the rent, utilities, or food.