davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (NC)

Due to the economic impact of COVID-19 ( coronavirus ), XXXX XXXX is implementing measures to ensure the financial stability of the company. The current pandemic situation has impacted our business significantly, and as a result, we find that we must make some difficult personnel decisions. 
Effective XX/XX/2020, XXXX XXXX is implementing a temporary furlough of certain nonessential positions. This notice is to inform you that your position is included in this furlough and as such, you are being placed on a temporary, unpaid leave of absence effective, beginning XX/XX/2020. The length of this furlough is currently unknown. It is important to note that your employment continues to be at-will and nothing in this notice or other furlough communications is intended as an express or implied contract. 
You may be eligible for unemployment benefits under these circumstances. Contact your local unemployment office for information on eligibility and applying for unemployment benefits. Present this letter to your local unemployment office as evidence of your employment status. 
XXXX XXXX will communicate with you regularly during this period. If your personal phone number, email or mailing address has changed recently, please provide your current contact information to human resources immediately. Please feel free to contact human resources at XXXX or ( XXXX ) XXXX ext. XXXX with any questions. 
If you find alternate employment during this period and do not intend to return to work at XXXX XXXX, please notify human resources immediately of your voluntary resignation.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Obtain receiving and reviewing my consumer report. I noticed inaccuracies in my report. This is a clear violation of 15 usc 1681 b which states It is the purpose of this subchapter to require that consumer reporting agencies 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, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. For account # XXXX XXXX TransUnion have this account late on XX/XX/XXXX until XX/XX/XXXX and XXXX have this same account late from XX/XX/XXXX until XX/XX/XXXX this is the same account it is two different start dates of the late payments. Which make the information on my report inaccurate. This is not an attempt to verify no account.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXXXXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account number : XXXX
Consumer complaint received 2019-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (SC)

They illegally spoke with my father about the account in XX/XX/2011. He called to get the payoff without my permission, and they gave him details. I was in the process of having the loan discharged for XXXX   XXXX due to XXXX from my father trying to XXXX  me. Instead of taking the check from my grandmother as a payoff ( again it was my information, they had no right to discuss it with him at all ) they applied the payoff in payments and accrued interest. Now they're harassing me and my XXXX yr old grandmother about paying the interest they illegally and unethically accrued. I continue to send in evidence of my XXXX, continue to try to discuss the privacy breach, continue to try to discuss the misappropriation of the payoff, and they continue to call me a liar and harass me.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IN)

XXXX, XXXX, & XXXX all show that I have two collections on my report. 

XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  Balance : {$1700.00} Account # : XXXX Collection Agency : LVNV FUNDING c/o Resurgent Capital Services XXXX XXXX SC XXXX XXXX Account XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$1700.00} Account # : XXXX Collection Agency : LVNC FUNDING LLC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Account XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Balance : {$1700.00} Account # : no account # given Collection Agency : LVNV FUNDING, LLC XXXX XXXX XXXX XXXX, SC XXXX No phone # given Account ID XXXX XXXX All of the contact information for the Collection agency differs from bureau to bureau. No information is the same. When I called each number listed and spoke to an agent they weren't able to locate any of my information or debt owed. I'd notify them that I had the actual account ID to each bureau they report too & I'd get hung up on, every single time. 

Same goes for the other Collection Original Creditor is XXXX XXXX XXXX  XXXX : Account # XXXX Balance : {$1100.00} Collection Agency : Resurgerecve ( how it's spelled on report ) XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Account # XXXX Collection Agency Resurgent Receivable XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Experian Account # no account listed Collection agency : RC/Resurgent Receivabl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Notice the phone # from XXXX on Collection # XXXX and the phone # from XXXX on Collection # XXXX that they are a MATCH. Different company names, same phone #. Same goes for the address on XXXX on XXXX # XXXX and XXXX on XXXX # XXXX, are a MATCH, different phone numbers, same address. 

Same thing. No account information can be found by any of the above listed Collection Agency on my account. 

If you look at my creditors you will see XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Address matches exactly with the XXXX XXXX aka Resurgent Receivable, R/C Resurgent Receivabl. 

How can a Creditor sale accounts to LVNC FUNDING AKA RESURGENT CAPITAL SERVICES AKA LVNV FUNDING LLC AKA R/C RESURGENT RECEIVABL. Multiple different names, addresses, phone numbers, and states that they say are not the same entity.
Consumer complaint received 2020-10-23
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. (NY)

According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full  name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2020-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WA)

I'm having a hard time still. I've been temporarily laid off sue to the Covid 19 pandemic. I cant pay my loan right now. I still haven't even been approved for unemployment as of yet. I spoke with someone today and she basically said that someone has to pay it and wouldn't even give me the option for forbearance of any kind. I'm so sick and tired of the rudeness and harassment from this company. I've filed several of these complaints and nothing seems to change. Navient is a horrible company and they bully people. I cant give them money I dont have right now. Period. Oh, and stop harassing my parents too.
Consumer complaint received 2020-05-08
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. (NC)

Equifax should not be reporting a collection with a past due balance of {$13000.00} on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I had severe medical complications from a XXXX XXXX XXXX procedure. I had been in contact with XXXX  and informed them of my medical situation. I made all scheduled payments on the vehicle. I was not made aware there were any issues and I was never notified that my account was in jeopardy. Consequently, the vehicle was taken and sold at auction. The vehicle sold for more than what was owed so there is no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I deposited @ {$1500.00} dollars in state issued unemployment checks via mobile top my Chase checking account on Friday afternoon XX/XX/20. I was told i had a small amount available to me immediately and the rest would be accessible after XXXX XXXX  the next day. The next morning they were not there. I called again and was told by someone else that there is a 7 business day hold on the funds and they will not be available till XX/XX/20. I explained i was out of town with my daughter and we needed the money. They tried to tether the funds but told me they couldn't. When i told them they are govt issued checks and shouldn't be a problem plus i don't have any history of ever depositing bad checks, they told me there are issues with the checks?? My daughter and I had to cancel our plans and drive home with no money for food, gas, lodging e.t.c. I waited 3 months to get paid and now they want to hold my money longer??
Consumer complaint received 2023-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Agencies, Inc. (MA)

I paid my {$310.00} medical debt in full to the company that owned it at the time, Action Collection Agency of Boston. On XX/XX/23, they cashed my check. 

On XX/XX/23 and again on XX/XX/23 I was contacted in writing by XXXX XXXX XXXX, who attempted to collect the same debt, this time for {$330.00} but for the same procedure carried out by the same provider on the same day. 

My guess is that Action Collection Agency of Boston both cashed my check paying the debt and also sold the debt to another company.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I made agreed to a debit transaction for {$910.00} to XXXX XXXX, a clothing store in XXXX XXXX, NV. Unfortunately, the clothes were never delivered to my hands. I waited extensively 2-3 hours beyond the agreed time and still did not have the clothes in hand. I requested the merchant to refund the order on XX/XX/XXXX. The merchant executed the refund on XX/XX/XXXX. 

Thirty days later, I am again charged {$910.00} for the same order according to the merchant. I have never received the product. I requested the Merchant to credit the amount back. The merchant never returned the funds to the account. 

On XX/XX/XXXX, I have finished compiling my account information for taxes and discover that the funds have never been credited to the account. I initiate a claim with my bank Wells Fargo Bank. On XX/XX/XXXX, I receive an email that the account will not be credited and the dispute is closed. I call Wells Fargo Claims on XX/XX/XXXX, after the explanation of the dispute request being over 6 months old they can not get my money back and direct me to work with the Merchant, XXXX XXXX I inform them of my efforts and ask to speak with a supervisor. I am then transferred to XXXX, a claims supervisor. XXXX takes the time to evaluate the VISA transactions to corroborate my situation. After VISA corroborates my story, XXXX informs me that the corporate policy is to not refund anything older than 120 days. I ask him to evaluate this as Fraud because the merchant continues to charge me 30 days after a refund. He says he can not. I ask for contact with a corporate executive to hear my complaint.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-08-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Since XX/XX/2019 I have been attempting to get my loan modification with Mr.Cooper. unfortunately they have continued to delay and stall all of my attempts. I will first get letters stating that they have ALL docs. Then later I need to resubmit the entire packet over again. I have been getting this same run around for now 4months. The most recent stall tactic was on the XXXX of XX/XX/2019. While my case was in underwriting, they paused it again for the 8th time. Staing now they needed a legible 1099? When 4 months ago it was acceptable!! Then prior they said the IRS form for my 1040 was never received!!! I took days off of work, just to get to the IRS to be told that the IRS did send requested Docs. I lost my day salary and to add injury to insult this FHA loan was sold to XXXX XXXX after XXXX of XXXX. Still NO MODIFICATION. THIS IS against RESPA and HUD. I also had HUD to make contact with them and I was assured that my modification would be completed. Once HUD closed my case based off of mr Cooper, they reversed everything and I am back to getting absolutely nothing done. Can you please assist me with this. I lost my second source of income and get no other funds only my job income.XXXX   mouths to feed ect. And don't want to lose my home waiting on them.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Noticed a negative report on my XXXX XXXX account. Something was kicked to XXXX XXXX for collections for a card I have no knowledge of. It was apparently taken in XXXX of 2020. In 2020 I filed a police report for ID Fraud through the XXXX XXXX Police Department after being told that someone had been collecting unemployment in my name. I have other issues that came up thereafter that I believe are associated with the same party, .but filing disputes through XXXX XXXX did not resolve anything.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (OH)

My mortgage loan application ( refinance from a reverse mortgage ) was canceled by XXXX XXXX ( ML Processor ) at US Bank in XXXX, KY after a XXXX XXXX month proces on XXXX XX/XX/XXXX. Her boss is XXXX XXXX. There were several reasons given. Once being I refused to give them access to my Reverse Mortgage history. That is completely inaccurate, as a reverse mortgage does not by law have to report to any credit agency because there is no payment history. 
Second reason given was the debit to income ratio was too high. I have been furloughed from my job as a school crossing guard due to COVID 19 since XX/XX/XXXX. I have received unemployment since then. They stated that income can't be used. 
Both of these mortgage processors knew that from the beginning and yet they put me through 2 1/2 months of delays. 
My complaint is the {$390.00} application fee has never been refunded. I spoke to a XXXX XXXX ( supervisor ) on XXXX XX/XX/XXXX at the XXXX, KY location and was advised she would contact the sales dept. After several emails to various loan processors, I have not received a refund. 
This was a long and arduous process which I ended up explaining to all how a Reverse Mortgage works.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Please remove these FRAUDULENT inquiries.
Consumer complaint received 2019-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo let individuals come into their branch, commit fraud and violet The Patriot Act. They did not investigate and treat the victims as the criminals. My family was threatened, job and marriage if I went to the police. I submitted documentation to the FBI, Local Police and Secret Service surrounding these wire transfers. 383 pages of documents went to all banks and police. The individuals also said if I went to the police they would say the money was for XXXX   plots or to XXXX my wife. Last XX/XX/2018, I notified Wells Fargo of wrongdoings in their checking accounts and asked them to investigate. Basically, use the information that they used to open the accounts such as social security, DMV, etc. and gave them names of law enforcement to reach if needed. Several letters later, Wells Fargo would rather protect the rights of criminals and violate the patriot act then investigate. They stole my identity thru DMV records and social security. There have been little discussions with Wells Fargo executive and fraud group because they will not do anything even though I am a customer. We will end up in court due to their hindrance of an investigation and violating The Patriot Act!
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am filing a complaint regarding inaccurate personal information on my credit report. Specifically, I have disputed inaccurate entries related to my [ e.g., name, date of birth, address, account status, and employer details ] with the credit reporting agency ransunion, XXXX, and XXXX, but the incorrect data has not been removed or corrected, despite my previous disputes XX/XX/year> and XX/XX/year>. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, which require the credit bureau to accurately report my information and investigate disputes in a timely manner. Additionally, I have not received any satisfactory resolution or response within the 30-day investigation period required by law. 

I have provided all necessary documentation to support my dispute, including copies of my government-issued identification, utility bills, and other supporting documents, but the incorrect information remains on my report.
Consumer complaint received 2020-10-23
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. (FL)

I have submitted my name change information to Equifax now three times. Both disputes I filed on XX/XX/XXXX & XX/XX/XXXX have been " completed '' by EFX stating my name change has DONE AS REQUESTED. Neither of these were done. Both times they changed/kept my name to XXXX XXXX which is my old name and the name I have been trying to change. My new legal name is XXXX XXXX XXXX which I have provided, my court documents, passport and drivers license showing the change. This is now preventing me from purchasing my new home on XX/XX/XXXX.