davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reese Law Group (CA)

It was around XXXX or so, I had a car repossessed because of the recession that occurred at the time. A year later XXXX XXXX XXXX called me and we agreed to pay the {$6000.00} residual. I asked them to send me a contract indication our agreement. They never did. Since then we lost contact until I received a notice in XXXX after I purchased a home. Now the company is called Reese Law Group. During the purchase of my home, the escrow company didn't find anything in my name. I was cleared to complete the purchase. Two years later is when I received the ( Notice of Lien ). I've tried to reach out to see what the matter was, and they just kept me hold for a long time. Now their saying that I owe them almost {$18000.00} in fees and interest. In XXXX I filed for bankruptcy protection. My lawyer failed to fight to remove this lien that was attached to my home. My lawyer indicated that he couldn't remove it because there was too much equity on my home. I'm completely XXXX and have no way to pay this lien off. The only way to pay them off is to refinance my home which I really don't want to. Reese Law Group wants me to take out more money that I want to. maybe because they know the value of my home. I know that their are companies who go out and buys these types of debts and sit on them for it to increase. This company WILL NOT send a complete breakdown of what is owed. so, how are we to communicate to resolve this issue. I'm afraid that one day they will come to take our home away.
Consumer complaint received 2021-03-09
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. (TX)

I wrote the credit Bureaus on XX/XX/XXXX and XX/XX/XXXX of XXXX. I have heard absolutely nothing from them at all. Im XXXX too because there is a bunch of nonsense that im trying to clear up thats so bogus on my credit report and I cant get it cleared up because they wont respond. Like what the heck am I suppose to do. This is against the law what they are doing and I want this matter investigated to the fulles extent.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NV)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXX.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (TX)

As soon as United Collection Bureau Incorporated called on Tuesday XX/XX/2021 they began by asking for personal information such as social security number and date of birth which is first off alarming and unacceptable. They said its their means of verifying they have the right person. In my refusal to give them my personals they got upset. I then proceeded to tell them to send whatever this matter is to me in writing but after I communicated that they disconnected the call, TWICE. Very unprofessional and unethical practices! need some type of resolve in this matter!
Consumer complaint received 2021-03-09
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. (PA)

I am currently in XXXX therefore I put the loans I have with XXXX XXXX in forbearance. I received an alert notifying XXXX XXXX is reporting my accounts delinquent When I contacted XXXX XXXX they assured it was a mistake and that the information would be corrected and updated. While I have seen the account has been updated with XXXX it is still reporting on the other credit bureaus as late/delinquent which is harming my credit tramendously.
Consumer complaint received 2021-03-09
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: Colony Brands, Inc. (NJ)

I have contacted all 3 credit bureaus and the individual creditors involved in this identity theft with a police report. These accounts are still reporting on my credit and I have received no satisfaction or response regarding this from the creditors.
Consumer complaint received 2023-08-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NH)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (HI)

Specialized Loan Servicing, my lender has not approved me for any loss mitigation options. Now, I am trying to appeal on their decision but will not accept my appeal through their fax or email. They want me to send thru snail mail which will take a very long time and they wont accept my appeal as they have a deadline on submitting the appeal. I already sent it through fax but they wont accept it.
Consumer complaint received 2021-03-09
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. (AL)

In XXXX and XXXX of 2021, I filed a dispute with the three major credit bureaus XXXX XXXX and Transunion about the unverified accounts XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number XXXX and XXXX, XXXX account number XXXX. Over 60 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you for your help in resolving this matter
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-03-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

At the beginning of the pandemic, Wells Fargo sent out letters asking if I wanted to take advantage of the forbearance that was in place for customers due to the pandemic. I ignored the letters because I've had poor customer service with Wells Fargo and didn't feel like going through anything that may harm me in the future. With my luck, it usually does. In May more letters were sent out, at that time my household income decreased and my job was shaky so I decided to ask how it worked. The customer service rep I spoke with, assured me that the forbearance would not affect me in any way and that I would not be asked to pay a lump sum once the forbearance was over. She further advised that the balance would go to the back of the loan and wouldn't pay it until I sold the property. With that, I hesitantly accepted the forbearance. After three months WF apparently automatically extended the forbearance without my knowledge. I was a little worried, but I ignored it. I got another call again in XXXX asking if I wanted to extend longer, by then I started paying again. I thought I was out of the forbearance since I started paying again. In XXXX when I tried to refinance my home with another lender, I found out I was still in forbearance. Because of the misinformation and misunderstanding, I wasn't able to take advantage of the low-interest rates being offered. 

I contacted Wells Fargo to find out what my options are at this point and they asked me some questions and sent me an application apparently for a remodification. I called again today XX/XX/XXXX and spoke to 4 different people to find out what my options are for refinancing and each one asked me to tell the same story 4 different times. The last rep tried to help but she obviously did not have the information I needed and tried her best not to do another cold transfer again. I was on hold for about an hour, while she tried to get me the info. She came back with nothing. She then put me on hold and tried to connect me with yet another person, and it seems she hang the call up instead of transferring it. I waited to see if someone would call me back but they didn't. This also affects my chances of buying a new home. 

Oh and by the way, shortly after I took the forbearance they offered, I got a letter saying I was late on my mortgage and my chances of refinancing with them would be affected if I didn't bring my loan current soon. Go figure. 

Customer service really needs to be addressed here.
Consumer complaint received 2021-03-09
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. (SC)

I sent my dispute and to Equifax on XX/XX/XXXX For unauthorized inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX they did not respond within the 30 days which according to the Fair Credit Reporting Act they have 30 days to respond or must be deleted it also according to the Fair Credit reporting act anything inaccurate or unverifiable must be deleted
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Mr. Cooper claims {$85.00} in deferred late fees on my monthly mortgage statements. I have never been late in a single payment to Mr. Cooper since it took over my loan XX/XX/2017. Attempts to remove this charge have been futile.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (IL)

On XX/XX/XXXX, I tried to initiate a transfer to my bank from my available funds in Robinhood. I was given an account transaction error. No other information was provided. I tried to transfer smaller amounts ; same problem. Ive been emailing them daily since that day. Last week I tried reaching out numerous times on their AskRobinhood page on XXXX. Zero response! I even tried initiating a transfer to XXXX. Initially I received a message saying I couldnt do it because I own cryptocurrency. I sold all of that ( at a loss! ) to proceed with the transfer. Then the transfer was denied, again because of this mystery account restrIction. Ive looked on their FAQs and I dont seem to fit any of the scenarios ( not a day trader, funds transferred always cleared, etc. ) so I have NO idea why they will not release my money! Beyond frustrated. This seems criminal!
Consumer complaint received 2021-03-09
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. (TX)

There is a alleged bankruptcy on my credit report. I have disputed it numerous times and all 3 credit reporting agencies keep telling me it was verified through a 3rd party company. I have reached out to the companies they claim they verified it through and the companies has denied claims. I also sent the denials to all 3 credit reporting agencies and they then claimed that it was verified through the courts. I went to the courts to see if this was factual and the courts informed me in writing that they do not verify anything to anyone. I then sent the letter to the credit reporting agencies and all 3 sent decisions back saying verified but will not tell me who it was verified through, how it was verified and the name of the person who verified it. It is my rights to know those things and if they can not tell me who it was verified through, how it was verified, and the name of the person who verified it with proof of verification, all 3 reporting agencies is to remove the alleged bankruptcy right away.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (FL)

On XX/XX/XXXX I sent a debt verification letter for an account they put on my credit report. This letter was received by XXXX XXXX from Rent Recovery Solutions on XX/XX/XXXX. on XX/XX/XXXX, I received a response from Rent Recovery Solutions, with a falsified document. This document was an invoice that bore NO valid or substantiated information about me. In fact, most of the personal information listed on this document has NEVER been associated with me or my name. This was clearly never thoroughly investigated to ensure that they are reporting accurate information. On XX/XX/XXXX, I sent another letter requesting verifiable proof that I owe the debt, including an original contract and proof they are licensed to collect in Florida. This letter was receive by XXXX XXXX on XX/XX/XXXX. As of XX/XX/XXXX, Rent Recovery Solutions has failed to respond with accurate documentation, yet they continue to report information on me that they know to be inaccurate, which is in direct violation of FCRA. They have not investigated this matter thoroughly and fairly or attempted to produce valid or substantiated documentation to show that they have verified this debt belongs to me, nor have they responded to my letters nor did they remove the account from my credit report whilst investigating per FCRA requirements.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2021, I checked my credit report to find several discrepancies, inaccurate information, and unverified accounts on all 3 of my credit bureau reports. I sent in dispute letters to each bureau, that specified which accounts were inaccurate, and asked for them to VERIFY or DELETE each account. By law they have 30 days to respond or verify and only XXXX  has responded. I am asking that you have XXXX  and also TransUnion DELETE all of my disputed accounts, and also fine these companies for reporting false credit information. XXXX did respond but they have not actually verified any of the accounts with signatures or original documents, therefor the disputed accounts should be removed from their credit report as well. I will attach each complaint letter I sent to each bureau with dates, as well as my receipt from the post office that shows proof that each bureau has had a copy of their respective letters for over 30 days. 

Thank You
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX Portfolio Recovery Associates, XXXX VA Re : [ XXXX ] Court File # XXXX To Whom it May Concern : I am responding to your contact about collecting a debt. You contacted me by phone and mail numerous times over the years and I have met those reach outs with proactive behavior and respect. I have identified the debt as a fraudulent, but your firm does not meet me with that same respect and my questions have not been met with answers. When reviewing your company I was astonished to see how you built an empire on ethnically debatable practices. My experience of years of harassment has been similar to the countless events articulated all over the Internet on your predatory behavior. Since this is the case, I have retained counsel to handle the issue in question moving forward. 


I was in court with one of your attorneys in XX/XX/XXXX with XXXX XXXX in XXXX NY. First and foremost, his attitude and general behavior was less to be desired and far from professional. He treated me as a XXXX and made passive aggressive remarks about not being able to make payment. I was provided no documentation that validates that the issue in question was my debt. Therefore, I asked for your firm to provide me a copy of my signature, and if it was my signature - I would agree to pay the {$520.00} dollars offered to end the claim in court. I have not received any proof of signature after many requests from your attorney or company and this issue still lingers on my credit report. 

Please contact my lawyer about this debt.. My lawyers contact information is : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX : XXXX Thank you for your cooperation. 

Sincerely, XXXX. XXXX XXXX XXXX This has been going on before XXXX and is still there today. Just recently from XXXX until today I have made many attempts to reach out to the law firm representatve XXXX XXXX XXXX well as the supervisor for portfolio recovery associates XXXX XXXX and I get, I will call you back from the Law firm and never received a call back and I can not help you from portfolio recovery Supervisor XXXX XXXX XXXX it is in the attorney 's hands. 
I have made at least 12 calls from XXXX XX/XX/XXXX until the end of XXXX XXXX.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One keeps reporting my debt of {$1100.00} as derogatory as of XX/XX/2021, and they have no proof that I owe that amount. All of the charge offs on XXXX on my credit report are false with the other two bureaus being blank with no info leading me to think that there is wrongdoing and after being asked to remove the account from my account for false verification they agreed to on several occasions but has not in almost two years now every month I call them they said yes we will and after the 30 days they say that they don't recall talking to me at all.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I bank at Wells Fargo on XX/XX/XXXX XXXX ATM transaction took place of {$1300.00} I didnt authorize also I had an email of a new debit card sent to XXXX  XXXX dont live in XXXX I live in XXXX  they also say that a few other transactions took place yet on at the time I had deposited a check for {$2800.00} and I was at work after waiting for it to clear which took a few days on Tuesday the day it was clears I went from over {$3000.00} in my account down to a fast {$1300.00} roughly they are being XXXX  and I have no access to my account Im not online and I have ordered XXXX new debit cards and swapped to a new account number tried to solve the problem and it still keeps happening please help I feel that not only they should give me what belongs to me but also money compensation for pain and suffering cause my bills are suffering Thank you XXXX XXXX
Consumer complaint received 2021-03-09
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: Bread Financial Holdings, Inc. (FL)

Inquiry from XX/XX/2021 Bankcard Comenitycapital/XXXX I was out of the country for 20 days, I came back in XX/XX/XXXX and today XX/XX/XXXX I get a notification in my credit report as a new inquiry in XXXX 

I called the bank and they dont have any history with my SSN, so someone is using my SSN and made this. 

I need to clean this inquiry, Im growing up my credit score, Im really upset and at the same time Im worried
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have attempted to temporarily remove my credit freeze on my credit account with Experian with no success. I have attempted to call them, do it via the website, ect. I am getting an error message and just need to update the phone number on the account to remove it so that I can lease a home.