davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
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: AMERISAVE MORTGAGE CORPORATION (MI)

On XX/XX/2019, I was contacted via my personal cell phone by XXXX XXXX from Amerisave Mortgage Corporation, XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia. 

During this recorded phone call, XXXX stated I was being contacted because of a recent credit inquiry on my credit report from a mortgage company. XXXX requested permission to take a loan application to make an offer. 

I declined this request, and informed him that my FICO score mid was a XXXX & if he could quote me Amerisave 's best rate on a {$150000.00} loan for an investment property based on this information I would listen but I was not consenting to a hard credit inquiry OR a soft credit pull. XXXX stated that " it will not hurt you '' and I again requested not to have any type of inquiry done at this time as I was already concerned how he acquired my information. I did not provide a social security number, income, address of property, or debts. 

After telling me the rate, I responded " that seems off '' the representative hung up the phone without another word. 

On XX/XX/2019, I received a NOTICE TO HOME LOAN APPLICATION in the mail notification from Amerisave Mortgage Corporation that " in connection with your application for a home loan ''. 

I attempted to contact XXXX manager and received no return phone call. Each representative at Amerisave has continued to tell me that it " wont hurt me '' or " has no affect ''. I refused any form of pull whatsoever.
Consumer complaint received 2018-04-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Peak Acceptance, LLC. (AZ)

On XX/XX/XXXX, I called Peak Acceptance on my behalf for explanation on why my auto account was still opened from XX/XX/XXXX. They gave the total amount due of XXXX and it will remain open until its paid off in full. I have asked if they can change the Open Account to Repossession or Charge-Off, they refused.

I went further to my next step to work with XXXX  Credit Bureau.

On XX/XX/XXXX, I contacted XXXX  over the phone to explain my situation with Peak Acceptance, and they tried to do a three way call, but no one picked up on their end of the call. So, I continued to finish up the dispute on-line and did a follow-up over the phone with XXXX. On XX/XX/XXXX, I received an email that my dispute results were ready online. I finally was able to contact XXXX by phone to get the results and asked why Peak Acceptance refused to change my credit report on my open account? Again, the Representative with XXXX made their effort to dispute on my behalf and they were also given the same information that my account will remain open until its paid in full. This gave me the opportunity to consult CFPB to hear my end of the story where I ; m trying to work things out on my own. At this point, I have to go further than I expected.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

I had 2 accounts with US bank. Towards the beginning of the month I thought my accounts had been compromised so I called to have them closed. I was told a hold could be placed. The hold was placed on the accounts for a day or so. I was still uneasy, so I called back to have both accounts closed. I was told they were both closed and I would be sent a check for whatever wa left in the account. A few days later I called back because I was thinking about applying for the simple loan which requires the account be opened for a certain amount of time. I wanted to inquire about the 1 of the accounts being reopened to do this. However, when I  called, I was told both accounts were still open. I then complained and spoke with someone else. I then learned only one of the accounts had been closed an it wasnt even the original one that I knew had been compromised ; also instead of closing the accounts the holds had simply been taken off unauthorized by me. They then closed the other bank account and reopened the old one, but unbeknownst to me the hold was not placed back on the account. Something then came into the account and I was charged a fee. I called the bank XXXX number to see what could be done as I was going to see about the simple loan with the hold placed and then close th old account and simply get new accounts all together. I was told I that customer service could not take care of such a thing and that only he home branch could do it. I was also told that I would recieve a callback from CS once the Branch opened and that they would reach out to my home branch on my behalf. The issue is 3 things, first, the hold should have never been taken off to begin with and a fee would not have been charged if that had been properly done, 2- it is ridiculous to have a customer service agency that refers you to the home branch which is completely useless, and 3, I dont like having a bank that can not act quickly in such situations, especially when in thought the accounts were closed and instead holds were taken off which ultimately compromised me. So, Im short, this was a bank error. I would like the fees reversed and my accounts permanently closed, US bank is not the bank for me. Also, they keep terrible notes. As I told CS who never reached back out to me, I placed  the hold and never authorized it or be taken off unless the account was properly closed, which it was not. I also asked for confirmation of the holds like at regular banks and they said no email or anything could be sent to confirm it.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have been received several calls daily from Portfoliorecovery at my work number. They are calling repeated time during the day. Today, XX/XX/2019 the have call me 4 times. In the last 15 days from today 's date. They have called my work number 15 times. It is considered harassment and they are distracting me from my job. They already call me on my personal number 3 times daily and sending me collection letter 3 to 4 times in one week.
Consumer complaint received 2018-04-09
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: Experian Information Solutions Inc. (GA)

This complaint is against XXXX XXXX XXXX XXXX, I disputed this company online and I wrote to them, stating that I do not understand how I'm liable for a balance of {$270.00} and I don't even know who they are, I never signed a contract with them, the original creditor closed the account, I also informed XXXX XXXX XXXX XXXX that my name isn't spelled in ALL CAPITAL LETTERS ... XXXX XXXX XXXX, my name is XXXX XXXX XXXX, the same name on my drivers license, however they wrote me back and basically stated their investigation concluded their actions were correct, it's not correct, they're using my name fraudulently to say I'm responsible for a debt that I don't owe them.
Consumer complaint received 2019-09-19
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2018-09-20
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: Experian Information Solutions Inc. (MD)

experian told me on XX/XX/XXXX they was going to keep the mix credit file and report on my credit file and keep all the wrong names and wrong address when i ask on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I STILL HAVEN T HEARD FROM THEM AND GOT THE CORRECT HELP EXPERIAN NEED SOMEONE FROM THE CFPB COME AND HOLD THERE HAND AND DO RIGHT MY PEOPLE AND STOP REPORT WRONG INFORMATION ON MY CREDIT REPORT ..

SINCE I HAVE PROVIDE PROOF ..

XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINES ITS ACCTACH TO SOMEONES ELSE CREDIT PROFILE SINCE XX/XX/XXXX AGAIN ...

XXXX XXXX XXXX THESE ACCOUNT ARE NOT MINES PLEASE HELP AND DELETED FIX MY CREDIT SOCRE BACK TO A XXXX ASAP PLEASE AND THANK U
Consumer complaint received 2019-05-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accounts Receivable Consultants Inc. (TX)

Received a call from Accounts Recievable Consultants, representative XXXX XXXX ; was extremely rude, as I was being professional and cordial trying to make arrangments for payments. She began laughing and literally screaming at me. She did not provide any resources or options as to how I should go about paying or setteling my debt. Extremely unprofessional behavior, I have rights as a citizen not to be harassed, annoyed, alarmed, abused, tormented, or embarrassed as the claimant. She was very alarming, abusive, and embarassed me very much as I tried to negotiate a settlement to my debt.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

I received a call from " XXXX and XXXX '' this morning. Her name was XXXX XXXX, phone number XXXX XXXX XXXX XXXX. They say when I closed my Wells Fargo account in XX/XX/2010, they later realized I was overdrafted {$87.00}. She said the account was sold to XXXX. They say they have sent me paper documents to an address I haven't lived at for 6 years. Now, they are asking for {$390.00}. They called me at a number that I have had for 10 years, so I asked why I just now got a call. They say they tried mail first ( XXXX ). I asked when the original overdraft occurred and she said they have no record of that ( even though supposedly the accont was sold to them ). She gave me XXXX hours to contact her and set up payment or they would send it to court. Also, she mentioned Wells Fargo would sue for XXXX the amount ( even though supposedly the account was sold to XXXX ). I said I'd call her back. I called Consumer Financial Protection Bureu and they say i should get her license number, address, and ask for a letter to be sent to my current address. I called XXXX back at her direct line ( XXXX ) and she said she and no one else in the office had a licence number because they were " mediations ''. She also gave me a XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX TX. She then said " is that all '' and then hung up on me. This is very suspicious, and I fear I'm at risk for fraud. Please help, thank you.
Consumer complaint received 2023-04-08
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)

This is XXXX XXXX XXXX XXXX XXXX, and I am dispute to dispute the fraudulent items listed on my credit report. I recently received and reviewed a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Douglas, Chancellor, Meyers and Associates, LLC (GA)

After receiving notification from my credit montoring service that as XX/XX/18 a collection account was place on my credit report in the amount of {$4000.00} with Douglas Chancellor and Meyer Associates ; opened XX/XX/2018 ; which is false. I contacted XXXX by phone and filed a dispute. I also called XXXX XXXX XXXX corporate office to investigate the collection. I spoke to XXXX  would stated that there wasn't anything on file or in their system with my name on it, and to call back on the following day and speak to a supervisor that maybe able to assist me. I did so and was told to contact the collection agency listed on my credit report. In XX/XX/XXXX I filed a XXXX XXXX  which I had a loan with one of XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; which was included in my XXXX XXXX. I have not tried to make contact with this company in years. In checking my credit report I also noticed that an inquiry was made on XX/XX/17 which again I did not intitate and I never received any other loan from them. Douglas Chancellor and Meyers Associates has never sent me any correspondence or oral communication concerning this matter. Since placing this collection on my credit report not only have I been denied loans, credit, and a mortgage, but has caused my credit score to drop. It has yet to be removed from my credit report at this time.
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

To : Consumer Financial Protection Bureau RE DISPUTED CHARGES AND INTERFERENCE WITH ABILITY TO PAY HOMEOWNERS HAZARD INSURANCE. 

The attached letter and record files are submitted to CFPB for enforcement and to assist us in recovering unauthorized charges made by Specialized Loan Servicing , LLC which we believe is related, in some way to XXXX XXXXXXXX XXXX  XXXX. as an alter ego. 
In early XXXX we finalized a XXXX-year XXXX  XXXX bankruptcy payment program. At the time, loan servicer Specialized Loan Servicing , LLC confirmed to the Bankruptcy Court that there were no outstanding debts owed. Our XXXX XXXXXXXX program was successfully completed by XXXX, XXXX. 
On or about XX/XX/XXXX Specialized Loan Servicing, LLC contacted our insurance carrier and directed them to disallow us to make insurance payments directly. There is no escrow and Specialized Loan Servicing, LLC ( SLS ) already knows ( and previous CFPB complaint confirms ) that we dispute SLS 's claimed debt. SLS did not make any insurance payment. On XX/XX/XXXX we corrected this ploy by SLS to set us up for unauthorized charges with our insurance carrier. We made a monthly premium payment ourselves which we have been continuously doing since XXXX, XXXX when SLS took over loan servicing from alter ego XXXX XXXXXXXX XXXX XXXX 
Meanwhile, Specialized Loan Servicing, LLC charged our mortgage account periodic unauthorized fees now totaling {$69000.00} in year to date Fees/Charges/Optional Product.

We seek guidance and assistance from CFPB in stopping the loan servicer abuses made by SLS. We can provide any additional evidence requested beyond the attached correspondence made to SLS. We have extensive and valid legal evidence of all of our payments to SLS. In addition, we have numerous monthly billing statements and our Qualified Written Requests to SLS ( and alter ego XXXXXXXX XXXX XXXX XXXX  ( XXXX  ) ) which show the extent of their Fantasy Financials. SLS ( XXXX ) has continued their attempts to defraud us via bogus, unspecified, unauthorized charges and fees placed against our residential mortgage. 
Thank you in advance.
Consumer complaint received 2019-10-02
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)

Hello. I was the counter at XXXX 's applying for an ln-store line of credit and was denied because of things being reported on my credit report I signed up for an online credit service and discovered Items on my credit that I have no Idea what they are. I'm not sure how my information got Into the hands of someone else, this fraud and I calle the police. Also now had contact with FTC. I'm now contacting you all. Please help me. These are the items that are not mine and I'd like them removed please. XXXX, XXXX, XXXX.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$760.00} XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Santander Consumer USA Holdings Inc. (AL)

I purchased a XXXX XXXX XXXX, through Santander Consumer USA In XXXX it was in an accident which was a total loss, my Insurance paid their portion and there was a balance left which I had Gap insurance to cover the rest of balance.But Santander Consumer USA didnt file a claim and they put a charge off on my credit report and will take it off I have talked to them over and over about it and Ive deputed it They also sold the account to XXXX XXXX XXXX which they gave a settlement to pay it off, But Santander still have it on my credit report
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-08
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 XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account Number # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX account # 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 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

over 3 years ago my sons private student loan fell into collections with citizens bank. he set up his account and has made every single payment every single month to the bank. he found out about a month ago that citizens bank screwed up and never filed the proper paperwork to the credit bureau when his loan transferred. The reason he found out was because he got hit with a negative XXXX on his account a month ago ( over 3 years after the loan was active ), and it shows citizens bank as the culprit but no information as to why. The credit bureau also has NO history of his payments being made over that time. Since then he has filed multiple complaints and has tried to contact the bank directly. He spoke to XXXX from the chairmans office ( XXXX ) over three weeks ago, and she told him " we have no idea what happened ''. XXXX verified all my sons information and verified he has made all payments on time and that his account hasnt been changed, so they are unsure what happened. Since that conversation my son has tried to contact her back multiple times for updates, but all of his phone calls are ignored, and XXXX refuses to answer his voicemails and call him back. My issue now, is that last week I received a notification that my credit score dropped. Upon investigation it now appears MY credit has dropped 37 points for no reason - it just says " citizen bank ''. We have not made any changes to citizens bank, they have officially screwed up my sons account and now it has impacted us both. They NEED to stop dragging their feet and fix this!
Consumer complaint received 2019-10-02
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. (TX)

TransUnion, XXXX, XXXX have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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. (LA)

My name is XXXX XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachment/ attached documents and id as it contains my full complaint and request.