davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (NC)

I contacted Amcol after I had been forgiven for a debt to XXXX XXXX XXXX. I spoke with the rep and asked had they been contacted by XXXX to remove these debts from credit report. Was instructed to send in the letter stating that the debt had been forgiven with the financial assistance. On XX/XX/XXXX I faxed the letter waited 24 hour called back. Amcol staff confirmed they received the letter and instructed they would send the debt back to XXXX for confirmation and to wait one week for a response. I called back XX/XX/XXXX and a rep instructed me that XXXX had indeed given 100 % financial assistance but that did n't apply to my patient portion of the bill. I again called XXXX to be sure that all my accounts had been forgiven and there no accounts still owed. XXXX XXXX XXXX of XXXX again assured me I owed them 0.0. I again contacted Amcol spoke with XXXX who gave me the dates ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) and a total owing over {$4000.00}. I again told him these dates were covered under the financial assistance. I have since faxed them again my account summary with dates and details showing the {$0.00} balance. Amcol position has not changed and still attempting to collect this debt and continues to report this debt to all 3 credit bureaus.
Consumer complaint received 2020-12-21
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. (GA)

I have filed numerous complaints trying to have inquiries that was found in mg credit reports, they did not resolve the issue, these inquiries are fraud and I want them off my report, there is over 29 inquiries on my Equifax credit file and Equifax is ignoring the fact that these inquiries I do recognize at all and they need to removed, I will send a FTC Identity theft report With this complaint, this is my third complaint and nothing has made been done, it is my right under the fair credit reporting act to dispute any information that does not belong to me, I am disputing these inquiries as fraud, do not put no fraud alert on my report, I will keep filing complaints until these inquiries are disputed off,
Consumer complaint received 2017-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

When attempting to submit a dispute by clicking on Experian 's Icon start a dispute online, I was directed to a page " Page not found '' https : //www.experian.com/XXXX https : //www.experian.comXXXX XXXX  Therefore Experian is blocking my ability to file a dispute with them.
Consumer complaint received 2021-01-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XXXX/XXXX/2020, I mailed a letter requesting an investigation of inaccurate accounts showing on my credit report. It has been almost 2 months and I still haven't received results of an investigation.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

I started trying to get a modification on my house as my house after payin for 8 years and never being late is still not worth what I owe on it. I tried to use my good credit to refinance as they have raised my interest rate again this year and ca n't afford it but can not because my house still is not worth what I owe on it after I paid XXXX dollars for an appraisal. I have spent months seconding ocwen financial paperwork to get a modification. They say they are reviewing it and I ttakes 30 days and then after 30 days they say they need more paperwork. I have been doing this since XXXX with this company ther should be some law against this. Today I talked to them as my review was suppose to be done again XXXX XXXX th and the representative today said he is not sure I must need to send more information. I have done everything asked in order to get a modification and this company continues to put me off tell me everything fine it 's inder review and then says no now we need more paperwork.
Consumer complaint received 2017-11-27
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: Experian Information Solutions Inc. (TX)

ive ask experian to remove unauthorized hard inquires. and yet they have NOT done anything. this is extremely affecting me from getting any sort of credit! 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed immediately from my credit
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV INC. (CA)

I received a letter from TRS Recovery Services , Inc., XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX  XXXX Telephone number XXXX, dated XXXX XXXX, 2020. 
This is a false collection. I have never written check # 130 to XXXX XXXX XXXX on XX/XX/2020 in the amount of XXXX. I will not pay this amount or the {$25.00} return check fee. This is not my account or my check. This company has sent letters before demanding money on bounced checks with were also fraud. 
I request that TRS remove my name and this collection notice from their system. THIS IS FRAUD. 

TRS Reference # XXXX
Consumer complaint received 2020-12-21
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2017-09-15
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)

XXXX reported all my accounts as 90-day late in XXXX  2017 when in fact my forbearance covered the following  months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX/2017 and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX17 to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.
Consumer complaint received 2017-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo is playing games, 1. We were in the middle of a open BK and they were aware 2. Wells Fargo set a FC date when we didnt have BK Court approval to sell yet.

3. They kept harassing tenants who ended up breaking the rental agreement 4. They were aware of the issues on title and our WF rep who calls was aware of the BK filing and the issues with title.

5. They are refusing to cooper rate 6. They caused the first buyer to walk by having people trespass and harass the tenants 7. They are refusing to work with us on the short sale even though we have had approval that conflicted with the bankruptcy not allowing time to close 8. They were informed of our process many times on recorded phone calls. 
9. They hadnt done anything for years with the home, now they are pushing to FC on it.

9. We had a approval for the last buyer, and they were informed that we had not had BK COURTS approval and refused to give them an extension on the purchase giving them 20 days to close which would violate the TIL laws. The lien removals will take about 3 days, and the process was started. They were informed.

10. Because of their games, we had to get a new buyer who has agree to the terms of the prior approval. We can close in about 70 days or 30 after the Bank Bankruptcy lien stripping is done. Please have them cooperate and work with us.

11. we have a XXXX XXXX approved price 12. complaint has been filed with XXXX XXXX 13. complaint being filed will BANKRUPTCY COURTS 14. complaint is being filed with attorney generals office and DFI AND STATE OF WA 15. LOOK AT THE FILING DATES OF THE BK, THE  APPROVAL AND APPROVAL FROM COURTS AND FILING TO REMOVE THE LIENS.
Consumer complaint received 2015-08-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

This month showsthat we are shorton escrow morethan {$900.00}, but alsoafter the bank didthe escrow analysis, somehow we are short from 2012 more than {$6000.00} which you, the bank decided todivide the payments in XXXX, we will pay more than {$2000.00} a month and we simply CA N'T do it, and we will neverbe able to catch upwith the mortgage, that was the reasonwe went bankruptcyand did a loanmodificationbecause wecould n't afford {$2000.00} a month. 
We contact theOcwen to pleasemove the {$6000.00} tothe back of the loanso we canconcentrate payingwhatever shortagewe have in escrowthis year. 
Please help us
Consumer complaint received 2017-10-15
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. (AK)

I sent a validation request on some accounts by certified letter over 30 days ago and I have received nothing what so ever on my request to validate these accounts. I know for a fact the letter was received because it was certified.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

Initially I thought this item was a result of unauthorized/fraudulent use because I knew I did not have a balance or an open account with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were not. I made payments on the account until I was aware that the recipient did not actually get the items. I have an active complaint against the collection agency and am currently awaiting the company to issue a refund or provide a signed proof of delivery so I can find the person who accepted the items, IF they were actually delivered.
Consumer complaint received 2015-05-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

In XX/XX/XXXX we applied for and after 9 months received a modification of our Flex rate mortgage with Indy Mac Bank. The interest rate for our modified mortgage was 2.625 % fixed for the first 4 years and would lock in at the going rate at that time. The going rate was still low after 4 years so our rate stayed at 2.625 %. For the XXXX year or so our modified mortgage was held by XXXX, after that Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX now Ocwen informed us that they will be increasing our interest rate by XXXX point starting this XXXX and again each XXXX for the next 3 years. I contacted Ocwen and asked them for the proof in our mortgage documents that allows this XXXX point increase in our mortgage, but all they could provide was the documents from our original Indy Mac loan which includes an unsigned sheet we have never seen before. I than asked for an Amortization schedule showing this " required '' interest rate increase, but the Amortization Schedule they sent shows no increase in interest rate. In fact the Amortization Schedule they sent shows our interest rate remaining 2.625 % through the last payment in XX/XX/XXXX. Please make Ocwen follow our modification and keep our interest rate at 2.625 % till the end of our mortgage. A XXXX point increase could very well price us out of our home, and was never part of our modification agreement. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-15
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: EQUIFAX, INC. (MD)

According to the Equifax web site the believe that my information was compromised as part of the recent Equifax Security breach. 

It took me XXXX days to log into their system and find out if my information was compromised, and simultaneously to put a freeze on my report. I have had to pay the other credit reporting agencies to freeze my account.
Consumer complaint received 2017-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (DE)

On or around XXXX XXXX, XXXX I was in search of a new cellular data service and contacted XXXX for quotes. After discussing a contract with XXXX, they sent out XXXX XXXX 's without my authorization. I never received the phones, which according to XXXX were delivered and left on the front porch of my home on XXXX XXXX, XXXX. Upon receiving a rental bill for the above mentioned phones, I contacted XXXX immediately with no resolve. I have had numerous attempts with XXXX about this fraudulent bill with only one resolution after speaking with a XXXX manager. I was advised that this bill would be corrected and I would no longer be receiving any communication from them. I again received another paper bill for double the amount and contacted XXXX again. I was not able to speak to a manager and the customer service representative advised there was no manager to talk with at the time, but if I was to switch my cell phone service to XXXX, they would send out two new phones and that would rectify the initial complaint. In XXXX XXXX I received two calls from a collection agency who was representing for XXXX. I gave them all the information and all the conversations I had with XXXX about this issue and they advised me they would put the collection in dispute with XXXX until further notice. On or around XXXX XXXX, XXXX XXXX had the bill put on my credit report for collection in the amount of {$1200.00}. I am prepared to file a police report for phone cloning against XXXX along with possible legal action.
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Finance Company, LLC (TN)

I closed both Continental Finance credit cards ( XXXX ) and ( XXXX  ) due to the excessive fees they charge so no further activity could occur. Due to XXXX XXXX XXXX and doctor bills related to these XXXX I am late on my payment. Day 1 they started calling multiple times at very inconvenient times, on a two hour interval. I work from XXXX - XXXX through the week and they are calling while I am at work starting at XXXX central time up to XXXX and they call one time then I turn around and another call is right after it. When I received more calls after I told XXXX in customer service do not call again as Continental Finance has called excessively per day when he called on XX/XX/2017 at XXXX or XXXX, he said he would remove my phone numbers so I wouldnt get any more calls but I have received several more. I am considering further actions with the court system concerning violation of The Fair Debt Collection Practices Act ( FDCPA ) for amount I have heard about as I have consulted a lawyer regarding this wrong practice.
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted transunion regarding being a victim of their inquiry issue because there are quite a few on my report not initiated by me. Customer service was not very helpful in getting my issue resolved and as a victim I wouldnt think the process would be so difficult to correct inaccuracies. Here are the following items not initiated by me and I dont recognize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (MA)

On Monday, XX/XX/2020, I received a call from a number I didn't recognize XXXX XXXX XXXX XXXX. I did not pick up and the message that was left was just music. Soon after, I received a text from my Father in XXXX saying that he received a call from the same number ( XXXX ) XXXX, which was a Company called XXXX XXXX, asking that I call them ASAP at ( XXXX ) XXXX. They gave him a reference number which I've saved, and I called them, thinking I needed to sign for a package that was to be delivered. I gave the reference number and was transferred to the legal department. They mentioned that I had delinquent credit card debt that was owed to Wells Fargo from an account opened 15 years ago, and that they are proceeding with civil action if I don't pay off the debt and settle with them over the phone. He didn't give me an amount owed, and I haven't used Wells Fargo in over 8 years, since moving from XXXX to XXXX. I have great credit, have paid off delinquent debt, included Wells Fargo, and keep track of any current debt. What scared me the most, was that the man that I spoke with had my maiden name, my current address in XXXX, the last 4 digits of my social, and my Dad 's cell number. I didn't give out any personal information to him. He said that they had mailed an initial request for debt collection in XXXX to my current address, but I never received anything. I tried to explain this to him, but he said that if I don't settle with him over the phone, that Wells Fargo would serve me legal papers and take me to court. I got concerned and asked that he send me paper copies of the initial document, and he told me that I wasn't understanding and that they had notified me in XXXX. I began to get mad, and he ended the call with you've been served, and hung up. I'm furious, and need this company reported. Not only did they threaten me, they made me believe that I owe debt that is not owed. I'm scared of identity theft, and want to make sure to report them because I'm sure I'm not the only one that works hard to pay off debt. My personal information does not feel very secure right now. Please please report this company. Thank you!
Consumer complaint received 2021-01-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I sent a dispute letter to Equifax on XX/XX/XXXX XXXX .. As of XX/XX/2021 Equifax has failed to complete my investigation and communicate results with me for the following accounts US DEPT ED # XXXX US DOE XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX reported all my accounts as 90-day late in XXXX  2017 when in fact my forbearance covered the following  months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX/2017 and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX17 to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.
Consumer complaint received 2020-12-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca, they are permanently closed due to malpractice! I was a victim of a scam. Most people that were scammed with the XXXX XXXX XXXX for no money down have been exhausted of payment due to the scam being found out but I havent and it isnt right.
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!