davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Due to COVID 19, my salary was reduced until XXXX. I called WELLS FARGO today XX/XX/2020 to request a 3 month deferment to assist me during this time. All they offered me was a payment freeze but after 3 months I would have to pay all the money due in a lump sum. 

I talked to the first lady and explained what I needed and the she transferred my call to the department that handled ( i was on hold for a long time ) just to be told I cant get any help. 

Never been late on a payment since the inception of the loan ( 10 years ) and have never requested assistance from them. 

Their lack of professionalism and willingness to assist customer during these times is shameful and unacceptable.
Consumer complaint received 2020-04-10
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. (SC)

XXXX, XXXX, & Transunion have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX   XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account XXXX
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stevens Business Service, Inc. (IL)

I just came across a derogatory mark on my credit for a {$65.00} collection notice, " opened XX/XX/2018 ''. It is reported under both " XXXX/XXXX  '' ( on XXXX  ) & " Stevensbs '' ( on XXXX  ). I've never been informed or have received any kind of notice or validation of this bill. As a result, I have never known there to be any effort made to collect this debt that is now negatively influencing my credit potential.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (IL)

I got a Brinks Money pre-paid card in the mail, assuming it was for my unemployment benefits. I tried activating and its requiring additional documents to be sent in. 
I attempted to call back and the number on the card seems to be disconnected.
Consumer complaint received 2022-12-29
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. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I XXXX TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS, U.S. BANKRUPTCY CHAPTER XXXX AND A FEW ENTRIES THAT WAS IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT BUT TO MY SURPRISE NONE OF WHICH BELONGS TO ME OR WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION OF THESE ACCOUNTS TAKE PLACE SO THAT THEY CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. THE ACCOUNTS DOES NOT BELONG TO ME AND SHOULD NOT BE REPORTING ON MY CREDIT FILE.
Consumer complaint received 2020-04-10
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS, U.S. BANKRUPTCY CHAPTER XXXX AND A FEW ENTRIES THAT WAS IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT BUT TO MY SURPRISE NONE OF WHICH BELONGS TO ME OR WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION OF THESE ACCOUNTS TAKE PLACE SO THAT THEY CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. THE ACCOUNTS DOES NOT BELONG TO ME AND SHOULD NOT BE REPORTING ON MY CREDIT FILE.
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

ON XX/XX/XXXX, I CONTACTED QUICKEN LOANS BY PHONE TO DISCUSS THE POSSIBLE REFINANCING OF OUR HOME SINCE THE RATES ARE LOW AND WE HAVE A XXXX ARM AT 5.125 %, AND WERE HOPING TO CHANGE TO A LOWER FIXED RATE. A XXXX XXXX ANSWERED AND MY VERY FIRST WORDS TO HIM WERE " DO YOU FINANCE COOP LOANS IN FLORIDA? '' THE REASON I ASKED THIS WAS BECAUSE COOP FINANCING IS A RARE COMMODITY AND I DIDN'T WANT TO WASTE MY TIME. XXXX SAID HE THOUGHT SO AND WOULD CHECK WITH HIS MANAGER AND CALL ME BACK. HE DID CALL BACK AND SAID THAT QUICKEN DID FINANCE COOP LOANS. 
OVER THE NEXT 8 DAYS, WE WENT BACK AND FORTH PLAYING PHONE TAG ABOUT RATES, CLOSING COSTS ETC., UNTIL FINALLY HE GAVE ME THE VARIOUS RATES AND POINTS ASSOCIATED WITH A 15, 20 AND 30 YEAR FIXED RATE, AFTER OUR EXCEPTIONAL CREDIT HAD BEEN VERIFIED. HE ADVISED THAT WE HAD BEEN " APPROVED '' AND WOULD NOW BE FORWARDING IT TO HIS " DIRECTOR '' FOR APPROVAL FOR ADVANCEMENT TO THE UNDERWRITERS. I WAS VERY HAPPY WITH THE TERMS AND WANTED TO MOVE FORWARD. 
THE NEXT DAY, XX/XX/XXXX, A VOICEMAIL FROM XXXX TO PLEASE CALL. I DID SO AND FINALLY REACHED HIM LATER THAT DAY. HIS NEWS WAS THAT QUICKEN DID NOT FINANCE COOP LOANS IN FLORIDA, ONLY IN NY, WHAT! 
I WAS ABSOLUTELY LIVID, NOT JUST FOR THE TIME I HAD SPENT OVER MORE THAN A WEEK WITH THE GOING BACK AND FORTH AND BEGINNING TO PULL TOGETHER THE NECESSARY DOCUMENTS, BUT THE FACT THAT I WAS BLATANTLY LIED TO ON MY VERY FIRST CALL ABOUT COOP FINANCING! THEY PULLED OUR CREDIT REPORTS UNDER FALSE PRETENSES, SO NOW WE HAVE HARD INQUIRIES ON OUR REPORTS THAT WERE IN MY OPINION, FRAUDULENTLY OBTAINED.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX  XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my Equifax and XXXX XXXX credit scores with XXXX XXXX and discovered that Equifax had lowered my credit score by 56 points and XXXX XXXX by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by Equifax and XXXX  was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed immediately.
Consumer complaint received 2020-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

No one has never contacted me about the bill. I did not know about any bill my ex wife maxed the credit card without my knowledge. I was homeless and had no where to live. I never knew about no bill because I did not make the bill.
Consumer complaint received 2019-04-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I was contacted by this company about a private student loan by Citizen Bank. I expressed to the rep this loan is since XXXX, was discharged in bankruptcy. The rep was rude try to explain private student loans are not dischargeable I explained to her it was they had opportunity to dispute debt. 

She told me to talk to my attorney and he would explain it is not dischargeable. I explained to her private loans were dischargeable in XXXX when I filed and they had till XX/XX/XXXX to dispute. 

I told her I would be filing a complaint she was rude, dismissive and attempted to get my cell and mailing address. Did not request copies of filing or the discharge.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-01-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

They call my wife XXXX to 5 times a day and will not stop. 

I did not know it was them calling her. U asked repeatedly last year for WRITTEN bill and explanation of the account, and all they ever said was " pay in full or else '' and " check your email? '' I have Direct Subsidized loans and unsubsidized.they claim they are not subject to the current pause on payments but will not consider letting me restart and just pay monthly. 

I asked again today about the phone calls and a paper bill and they said they will NOT stop calling EVER and the supervisor even said " maybe we should call you more often '' I can't get any explanation as to sh ythey won't forbear or defer up to last month even and let me make payments going forward. 
They are just rude and yell on the phone. When they call they have cursed at us and yelled at us and called names .... no wonder they lost their main contract! 

All I want is to be able to pay say XXXX a month for the rest if this year and have it paid off. 
I sent XXXX today.
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (WA)

Repeatedly Called using automated dialer and left detailed message on voicemail of cell phone that is not in my name about their attempt to collect a debt. Messages left on XX/XX/21, XX/XX/21, XX/XX/21, XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. One Advantage was told to stop calling the first time they called. Harassment and voicemail messages continue.
Consumer complaint received 2022-01-10
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)

I have attached an account that was opened fraudulently in my name and I need it removed. I have created a report with the FTC and attached my drivers license and my social security card as identification.
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX )
Consumer complaint received 2022-01-19
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. (IL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (GA)

By the law the credit reporting agencies are given 30 days to investigate an issue, by law, if accounts are reported to be fraudulent, items should be blocked within 4 business days. In my case neither of these happened and I am asking that the credit bureaus be held accountable and that all the items in question be deleted immediately. My documents, with credit reports and Identity theft affidavit was mailed back in XXXX of 2021!
Consumer complaint received 2020-03-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper has indicated a new loan was created on my behalf on XX/XX/XXXX. I did not create a new loan. 
The Statute of Frauds Relating to Loan Agreements Section 26.02 In 1989, the legislature enacted section 26.02 a specific statute of frauds for loan agreements involving loans exceeding {$50000.00}. See TEX. BUS. & COM. CODE ANN. 26.02. Under this statute, a loan agreement is not enforceable unless the agreement is in writing and signed by the party to be bound or by that party 's authorized representative. Id. 26.02 ( b ).
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2020-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

Hello. Last Month my wife and i were worried about COVID 19 problems we call to SANTANDER CONSUMER USA about any help they can give us but they told the interes woul be ad to the extention and i no. she told me as a preventive mode do it if you don't need the help don't use it and the XX/XX/XXXX we singned the extention. today we did the payment wich belong to XXXX and they say that XXXX payment we said not it is XXXX and they say the extention can no be cancelled because we singned a document. we not not, you never told us that. we want to cancel and they said it os imposible. we are filling scamed .they are taking oportunity of the problem with COVID 19. We will no need any help and we want to do the regular payments.we singne the extention thinking it was preventive.
Consumer complaint received 2022-01-19
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. (KY)

I noticed several hard inquiries on my Transunion and XXXX Credit Reports that do not belong to me. Ive reached out to the creditors as well as Transunion amd XXXX informing them they were fraudulent and no one helped me. Just gave me the run around. 

Unauthorized Hard Inquiry Listed on TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX 2021 XXXX XXXX  XXXX XXXXXXXX, 2021 XXXX XXXX Inquires Listed on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX, 2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, 2021
Consumer complaint received 2019-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/2019, I paid a person {$42.00} via PayPal for tickets to an event I wanted to attend that night. After I sent the money, the person never sent me the tickets. They stole my money. Please help me get it back. I tried getting help through PayPal to no avail.
Consumer complaint received 2019-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX I purchased a vehicle from XXXX XXXX in XXXX, TX. I arranged financing through Chrysler Capital in XXXX XXXX, TX. Included in the loan I financed an Extended Warranty Service contract at a cost of {$2000.00} for a period of 2 years. 

On XX/XX/XXXX I refinanced the loan through my credit union for a better loan rate. 
On XX/XX/XXXX I received a letter from Chrysler Capital verifying they had received the funds to pay my account in full. They also advised me that I was entitled to a refund of unused premiums for the Service contract and that I should contact the seller ( Dealer ) about recovering unearned premiums. 
I went to the car dealer, XXXX XXXX on XXXX XXXX, XXXX and requested my refund and they refused to pay me. They claimed Chrysler Capital had my refund. When I called Chrysler they claimed somebody else had my money but the CSR I spoke to said he could not identify who that was. I am a senior citizen on a fixed income and I need my refund.
Consumer complaint received 2020-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

PHH Mortgage owned by Ocwen Financial is hindering visibility and my ability to perform online banking. 
I am able to log on to access my online profile, but I am barred from accessing payments and detail account information for the past year. Each time I submit a complaint, I am told they see no issues on their end. Below are Main URL : XXXX : XXXX After logon URL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXManageAccountSSO Button URL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Page Response : Sorry, something happened. 
Please try again at a later time. 

ID : XXXX ErrorCode : XXXX Fri XX/XX/XXXX XXXX XXXX ( Eastern Daylight Time )
Consumer complaint received 2022-01-19
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. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-04-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (NJ)

This bill was covered by XXXX XXXX  XXXX XXXX XXXX but the Collection Agency somehow got my information and says I need to pay {$740.00}. 
The actual bill was {$540.00}. XXXX XXXX  paid this as I was unable to pay it due to not working. 
I have tried several times to resolve this and I got threatened with a lawsuit and I was told they will place it as a collection. 
I called again and I was hung up on 4 times in 1 week Please help me remove this as this collection agency is very vicious and unconcerned to resolve my issue even after they got a letter from XXXX XXXX stating this debt was paid as XXXX XXXX