davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: United Shore Financial Services, LLC (OR)

On XXXX/XXXX/2015, I closed a house through a short sale transaction. The mortgage company United Wholesale Mortgage accepted {$340000.00} as the net proceeds. They reported on my credit report that the account is closed and less was accepted towards payoff. However, when I look at my account online or when I called to discuss the XXXX that I received, my account still shows open after 5 months.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. Experian and XXXX has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering. XXXX has already successfully deleted Bankruptcy.
Consumer complaint received 2022-05-04
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. (NY)

On XX/XX/XXXX, XX/XX/XXXX I sent letters to XXXX, XXXX XXXX Trans Union ; Requesting VALIDATION of the following inquiries that never had a permissible purpose according to the FDCPA LAW - They have never responded and clearly have violated my consumer rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Please be informed that my husband and I have been trying very hard to establish communication with our Home Mortgage Preservation Representative, XXXX XXXX XXXX, XXXX, of Wells Fargo Home Mortgage but it seems all our efforts were in vain. As of this writing, our mortgage has been referred to a collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in spite of our several attempts to send proof of timely payments to XXXX XXXX on our HAMP Trial Modification. He stands on his assumption that we missed payments on our mortgage. We sent him excerpts of our Bank Statement but these were ignored by XXXX XXXX. 

Below please find a summary of my communication/correspondence with Wells Fargo through XXXX XXXX XXXX, XXXX. 

Friday, XX/XX/XXXX HAMP Trial Modification Approved Wednesday, XX/XX/XXXX Hamp Trial Modification Approval Rescinded allegedly : missed payments Thursday, XX/XX/XXXX Replied Letter of Denial asking reason why Thursday, XX/XX/XXXX WFHM Preservation Specialist, replied allegedly making phone calls to us regarding late mortgage payments Thursday, XX/XX/XXXX replied Specialist 's email informing him that we are still in the XXXX and no phone calls registered on my cell phone Thursday, XX/XX/XXXX emailed Specialist with proof of payments and sent by our bank ( XXXX XXXX XXXX ) to WFHM Thursday,XX/XX/XXXXSpecialist emailed back for additional proof ( did n't state type of proof needed ) Tuesday, XX/XX/XXXX Letter, dated XX/XX/XXXX, from collection agency XXXX XXXX XXXX XXXX XXXX XXXX, collecting {$260000.00}, received on XX/XX/XXXX Wednesday, XX/XX/XXXX Received a letter from XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX stating to help on our mortgage problems Sunday, XX/XX/XXXX sent two emails to XXXX XXXX re Bank Satement as proof of payment Thursday, XX/XX/XXXX sent another email Saturday, XX/XX/XXXX sent another email Thursday,XX/XX/XXXX mailed a letter to XXXX XXXX, Senior VP, XXXX XXXX XXXX  XXXX re : soliciting help I do n't understand why XXXX XXXX sent our case to a collection agency in spite of our efforts to settle the problem ( s ) with him, allegedly for missed payments. This very unethical for a Representative of one of the biggest Mortgage Servicer/Lender in the United States. We are so close of completing the Trial Modification. 

When he rescinded our HAMP Trial Modification on XX/XX/XXXX, or only after one week, on XX/XX/XXXX, he referred our case to a collection agency. 

This in injustice, I hope CFPB could help me. Thanks ...
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In an attempt to apply for credit, I was denied and checked my consumer credit report. XXXX was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both XXXX and Experian also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing removed.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TN)

I had contacted this company XXXX XXXX to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, After disputing XXXX XXXX XXXX Total XXXX acct # XXXX multiple times I filed complaints with CFPB for the account with Transunion, XXXX and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however on my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received several letters and invoices from portfolio recovery stating that I owe {$3200.00} and that they illegally brought debt from XXXX  XXXX. I sent XXXX XXXX and portfolio recovery numerous letters letting them know that the debt does not belong to me. XXXX  XXXX sent me a letter stating that " they sold my debt to portfolio recovery and that i should communicate with them '' even after i told XXXX  XXXX " why would they sell debt to portfolio without my knowledge and without investigating if the debt belongs to me or not?. This is wrong and several violations. This debt does not belong to me. I let portfolio and XXXX  XXXX know that i never opened up an account in 2016 with XXXX XXXX. and that this is a mistake in identity theft but portfolio recovery keeps sending me letters in the mail with payment history stating this is me and i have told them it is not. I also told them that i am aware that XXXX  XXXX had a major data breach in 2016 that affected millions of Americans and that this could be a result of that and portfolio recovery keeps harassing me about the same thing over and over again. I also let Portfolio Recovery know that I am aware and that I have done my research on them and that " they have been sued many times from people all over due to lack of proof and for harassing people without finding out if the debt really belongs to the person. Portfolio recovery has been sending me countless things in the mail even though i have sent them numerous letters stating this debt doesnt belong to me. This is harassment,
Consumer complaint received 2022-05-04
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)

On XX/XX/XXXX i cos-sign on a vehicle for XXXX XXXX and this company approved the finance for the vehicle this a a notice that i have already contacted them on two sperate occasions and gave them notice that i recind pursuant the these references First, when an obligor exercises his right to rescind, he is not liable for any finance charge or other charge, and any security interest given by the obligor becomes void upon rescission. 15 U.S.C. 1635 ( b ). 

Second, within twenty days after receipt of the notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction. XXXX. 

Third, upon performance by the creditors obligations under this section, the obligor shall tender any property the creditor has previously delivered ( or its reasonable value ). XXXX. Pursuant to Reg Z notice is given by mail, telegram, or other means of written communication. 12 C.F.R.226.23 ( a ) ( 2 ) ; See 12 C.F.R. Pt. 226, Apps. H-8, H-9 ( Model forms for excising Rescission Right ) ; 12 C.F.R. 1026.23 ( a ) ( 2 ).
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (TX)

In Accordance with The Fair Credit Reporting Act : XXXX XXXX Account XXXX has violated my rights. 

In Accordance with The Fair Credit Reporting Act : XXXX XXXX XXXX. Account XXXX has violated my rights. 

15 USC 1681 section 602A States I have the right to privacy. 

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2018-12-29
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: GREAT LAKES (CA)

Im a XXXX who attend the school in XXXX. I used my XXXX  XXXX XXXX  XXXX with all my expenses covered through it yet somehow I have an outstanding XXXX loan for over {$8500.00} it has ruined my credit. I didnt want or need the loan. I believe the school is for profit and submitted for the loan fraudulently. This isnt how the XXXX XXXX works. Please help.
Consumer complaint received 2023-02-22
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. (CA)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

To whom this may concern, I am writing to you regarding the predatory lending I have been subjected to with Santander, specifically, exposure to high loan-to-value and payment-to-income ratios. This was due to the dealership illegally inflating my income. 

In XXXX of 2018, I filled out an online application for financing with XXXX. 
I was upfront with information regarding my credit scorXXXX ranging from 400-500 and that I could not afford for a monthly payment to exceed {$350.00}. At that time, I was a customer service representative for XXXX XXXX also known as XXXX XXXX. The XXXX dealership in XXXX CA, responded to my online inquiry and advised me that I was approved and needed to come down to the store to finalize the paperwork. When I got there, the sales representative said she was able to get me approved for a 2018 XXXX XXXX XXXXXXXX  She advised the only thing she had to do was change my income and make it so that I brought in more income than I reported. I didn't think anything of it because I was happy and shocked that I was able to get a car from them with no money down and a credit score no higher than XXXX. The sales representative asked me for my license which at the time I told her I did not have a valid drivers license but only had an ID. She said that was okay but that she had to check something out with her supervisor. She went into another room and spoke to a man then came back and said the ID was fine to take delivery of the vehicle, but that they couldnt allow me to drive the car off the lot. She then advised that she would drive it off the lot for me and have someone follow her. After the paperwork was finalized, she advised the monthly payment would be {$510.00}. She handed me the paperwork and called for her son, who also worked for the company, and told him that he was to follow her as she drove the vehicle I purchased off the lot. She dropped me off at my apartment where she then handed me the keys, she said congratulations on your new vehicle. 

I am filing this complaint against Santander as they should be held responsible for the illegal underwriting practices that occurred specifically related to the inflation of my income to support a payment-to-income ratio I could not afford. This predatory lending is nothing short of a UDAAP violation and is causing negative credit implications. As a result, I would like for the following remediation to occur : I would like to surrender the collateral to Santander and in return, Santander deletes my tradeline and waive any deficiency balance. 

Thank you XXXX XXXX XXXX : CA Attorney General
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TN)

I have disputed this matter already with this company.And I called them on XXXX-XXXX-17 as well.They told me they would send information on both accounts & that they would send deletion requests to all 3 credit reports which they have not done yet.
Consumer complaint received 2022-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I applied for a modification in 2019 with my mortgage company. I received a letter from the mortgage company in XX/XX/2019 stating that the modification documents were received and being processed one week later the mortgage company put the house into foreclosure and all payments after then sent by me to the mortgage company were returned to me. I signed up with XXXX and explained I was doing a loan modification XXXX works with my mortgage company and was helping to process the modification. XXXX promptly submitted all required documents. We waited to receive a response from my mortgage company. During this time I didn't make any other payments as they were previously being returned to me. I went to XXXX XXXX XXXX Maryland courts in XX/XX/2019 and let the Judge know I was working with XXXX to remedy the situation and was granted the ability to stay in the home while working with XXXX to save my home. The mortgage company was present. We filed several loan modification applications as well as reached out for status to no avail. I was purposely ignored or simply looked over during this process. No one gave any other information besides court filings, letters, and multiple scare tactics sent by the mortgage company and trustees assigned even after the court hearing.
Consumer complaint received 2017-09-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I am a single, elderly, minority woman in bankruptcy! Wells Fargo illegally Filed a Motion to Lift the stay in my bankruptcy case! I am protected under bankruptcy court and I am making payments to them every month because they said they would work with me. Now they are trying to take my protection away and foreclose on my house! This needs to be stopped immediately! They never sent me a copy of this Motion and my attorney just received it today. The hearing is set for tomorrow! They need to be shut down for their illegal practices. 
I do not have a copy of the motion to attach as I never received it and just got a call from my attorney about it. 
XXXX XXXX is about to hit us and I do n't need anymore stress!
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MO)

I got an email offer for getting XXXX after {$5000.00} spend on XXXX XXXX 2017. I enrolled in the offer on XXXX XXXX 2017 and got a confirmation email shortly after I was enrolled. Then I spent some time completing the spending requirements. During this time I got couple more emails reminding me to put spend on this card to get the bonus points. However, I did n't get any bonus points after I completed the spending. I called American Express to submitted a claim regarding my missing rewards. Then I was told that the deadline for enrolling is XXXX XXXX, 2017, which I missed ( expiration date for enrollment was written on the side with smaller font, easy to miss ). However, I did n't get multiple confirmation email after my enrollment. I understand that I should be enrolled within the time frame to get the offer, but it is clearly American Express ' mistake to send out multiple confirmation email to remind to spend the required amount. Thus, I feel I should be rewarded for the offer. I talked to a couple rep from American Express, but they all refused to help me. I 've put a lot of my everyday spend on this card and always appreciate the good customer service from American Express. But I have to say that this experience is such a disappointment to me.
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, / XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions