davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-30
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. (IL)

I am writing to request a correction of the following information that appears on my Equifax, XXXX, and XXXX consumer report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted Equifax, XXXX, and XXXX and filed disputes via email as well as certified mail with no help.
Consumer complaint received 2018-08-30
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. (MI)

I have complained multiple times regarding medical debt that " XXXX '' continues to report inaccurately. This company nor the original debt holder can validate that I am the debtor for any medical collection. I personally visited the Hospital that the alleged debt resulted form to inquire about financial responsibilities under my name. The financial facesheet that was printed had a list of inaccurate information including incorrect first and last name incorrect birthday This information was taken from the MOUTH of an unknown individual using a name similar to my own children 's name. There is no identification for the children or the adults registering the children.
Consumer complaint received 2018-08-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (CA)

Recieved multiple calls to effort to collect a debt. On all calls answered I have requested a breakdown of what I am being billed for as to include date of service and original biller. On XX/XX/2018 I recieved a call from XXXX XXXX who claimed I owed {$970.00}. She refused to provide me via mail with details about the break down of what I owed and yelled I don't have to give you nothing, I explained I had been the victim of identity theft and did not feel comfortable paying that amount over the phone and want the bill so I may see if I am finacial responsible before making the payment. She continued to yell and scream stating she would report me sending the items to collection. I hung up and called the company back, it was made clear that the debt she was trying to collect was part the statue of limitations and she had no right to seek payment for the amount she demanded.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

My credit report has derogatory trade lines that are over XXXX XXXX XXXX not in compliance with the FDCPA & TDCA. Please make an inquiry as have my credit report corrected and updated with all credit bureaus. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, TX XXXX TX Drivers License # XXXX SSN : XXXX U.S.Passport # : XXXX
Consumer complaint received 2018-08-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (MD)

Re : Second Complaint Against M & T Bank - Loan Number # XXXX Previous CFPB Case # XXXX To whom it may concern : The original complaint against M & T was submitted in XXXX, This is the second complaint with the new information. Until last week, XX/XX/XXXX-XX/XX/XXXX,  though I had called on numerous occasions, After checking records on my cell phone and work phone, I received no phone calls from M & T bank on either regarding my submission of substantial new information. Each call resulted in speaking with a different person who didnt have the file. Its amazing that they would not be willing to work with a customer who, up until this point, had paid timely and more than required. The scenario below outlines what has occurred. 

1. To my original request for a modification, M & T responded that I couldnt afford the modification, though the reason for a modification is to help the homeowner afford to stay in their home. Because of medical bills, which are still ongoing, there is a necessity.

2. As they requested, I sent additional information to show a reduction in expenses which shows a change in financial position. No response on the updated information.

3. The attached letters state that they are willing to work with me on loss mitigation options ; however, when I call the Homeowners Assistance Center ( HAC ) they say they are not. A {$650.00} reduction in expenses is substantially new information.

a. # 2 - XX/XX/XXXX letter. M & T states they are unable to honor the modification appeal because they didnt receive new or additional information. 
b. # 3 - XX/XX/XXXXupdated expenses. I sent an updated financial report to them on XX/XX/XXXX. The original report is included ( attachment # 1 ) c. # 4 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options. 
d. # 5 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options.

e. # 6 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options, and that I should call the HAC to inquire. 
f. XX/XX/XXXX, I spoke to XXXX in the HAC who said she was sending a new package for me to complete. However, the management in that area disapproved the request. 

Though M & T has stated that they are willing to work with me on loss mitigation options, their actions are just the opposite. Even after sending different financial data as requested, they didnt send another package as promised. None of the letters speak to the new information sent. When I call they are unwilling to work out options and say something totally different than what is sent with their letters.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

I ran my credit report and was infomred and read that Discover CC which the account is clossd is runnin gmy credit without my permission. the account is closed. Discover did this on XXXX, so I was informed to consider this as fraud and to report this.
Consumer complaint received 2019-01-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Prestige Financial is set up on auto draft. Every month on the XXXX, they debit {$440.00} from my account. On Friday ( XX/XX/XXXX ) they attempted to take the regular payment, but there were no funds available. They sent me a text on XX/XX/XXXX at XXXX XXXX  CST telling me the payment did not go through. I texted them back on yesterday morning, XX/XX/XXXX saying thanks for letting me know and I will make the payment on Friday ( XX/XX/XXXX ). No response from Prestige. Today, XX/XX/XXXX, they tried to run the payment again and it did not go through, as I knew it wouldn't. This is why I specifically said Friday in my text back to them. Their attempt to charge this amount again resulted in 2 overdraft fees on my account. 1 for Prestige ( {$30.00} ) and 1 for XXXX ( {$40.00} ) because of a {$10.00} charge that couldn't clear because of the overdraft from Prestige. 

I asked if I could pay them the monthly {$440.00} minus the {$30.00} ( although I should have asked for {$70.00} for both fees ) and was told that the person can't authorize that. I was also told that the draft is automatic and once it returns it automatically resubmits. I then asked for the terms of that in writing. I was told ( via text ) that they don't have any official documentation that they can send me regarding that. 

This is illegal and I would like to have all my fees refunded to me promptly.
Consumer complaint received 2018-07-24
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: EQUIFAX, INC. (AL)

I have recently disputed inquiries that I did authorize to have check my credit report. I have ask that these items be removed from my credit file because I hadn't authorized them, and they still remain on my file.
Consumer complaint received 2018-08-30
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. (FL)

I really hope you can help me ; there is inaccurate information on my credit report. Im not sure what information you require regarding each account, I will add the account/ account number and the date opened. Please correct and update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. This is really affecting my credit report and my life negatively. I WAS NEVER LATE. 
XXXX XXXX XXXX XXXX XXXX A XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TN)

This is yet another compliant about the unscrupulous business practices of this collection agency that despite my previous complaints continues to call me regarding a debt that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant but still have yet to receive this information. Even further I received yet another collection call from this agency today in which I made it quite clear that the burden of proof is with the collection agency and not me and that all collection calls should cease and desist. This agency 's failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me a copy of verifiable proof, It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED. My next course of action will be litigation if I am contacted about this again outside of being informed that all negative credit entries to XXXX, XXXX, and XXXX   have been deleted.
Consumer complaint received 2018-08-30
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: EQUIFAX, INC. (CA)

On my EQUIFAX credit report, there is a hard credit pull from XXXX on XX/XX/XXXX & XX/XX/XXXX. I don't recognize the name nor authorizing anyone to do a hard pull on my credit. Please help me remove it.
Consumer complaint received 2018-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/2018 my cousin XXXX XXXX added me to 3 of his credit cards as an Authorized User since he was having difficulties making his payments on his card, in trade he allowed me to use the card and by doing so it would add to my credit history since I don't have a vast history on my credit report. My other cousins were added to the card and their information is reporting. I called each of these companies and they stated that they sent the bureaus my information for it to report but I'd have to call the bureaus. When I called they acted confused and I needed this in writing so I can at least have an advocate on my behalf
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was contacted by a mobile phone number posing as Wells Fargo Fraud Department asking if I had authorized a charge for {$800.00} at XXXX XXXX XXXX, I replied no and was told I would be contacted by a representative. I was then called by someone with the same number as the actual Well 's Fargo Fraud Department and was then asked a series of questions in regards to my identity an account information. I unknowingly gave the scammer access codes that I received on my phone to change my online bank account password and as well as my social security number. The scammer then asked for a final code while being told that my account was flagged for a series of fraudulent activities. The last code was to authorize a XXXX Transfer for {$1000.00}, I noticed the text and notified the person on the phone but was assured that it was a part of canceling a charge. I have since contacted my bank to explain the situation. The scammer had already obtained my online login information : username and password, before initiating contact with me and used the actual Wells Fargo 's Fraud Department number to contact me from. This is the only reason I provided the scammer any access codes.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (CA)

AFNI, Inc posted the debt of XXXX originating from XXXX XXXX. The debt was removed from all reports in XX/XX/2018. AFNI then resold to XXXX XXXX who assumed the new right to collect. 

XXXX XXXX posted a collection to both my XXXX and XXXX   credit reports for a debt of XXXX. The positing states this is an active collection opened XX/XX/18. No verification of debt was received 60 days after the negative posting.My address is well known and I should have received notification validating the debt and active collection attempt.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (NY)

So I was sent a instrument in the mail on XXXXOn The instrument there is a unconditional promise to pay fixed amount of money. Once I receive the instrument I endorsed it and sent it to the company by mail an fax. On the instrument I gave Pacific instructions the company dishonored the payment. And it was never sent back with verbiage of why they dishonored the payment and payment.
Consumer complaint received 2018-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company (CA)

I have been trying to work with XXXX. XXXX since XX/XX/2018 to get the MI off my house. They have passed me around several times and nothing has happened ; no help, no responses and no action. I was originally told by a manager that a 3rd party would call me for new appraisal and nothing, the number I was calling no longer worked for that manager. I then requested for my MI to be removed through their email process months ago as well. Generic response with no help, I emailed them back with more information and no response. For the last 6 weeks I have been trying to work with Al XXXX XXXX. for home lending and nothing has happened. I have received 1 email saying he is working on it at week 2. I have called,  left messages and emailed with again no responses. My loan has no waiting period and the MI can be removed. This has now cost me more than the cost of a new appraisal which I was told at first my upgrades would prove enough and wouldn't need, then later was told I would need. I agreed and nothing has happened still. This company in my experience is a joke and has done nothing to service my loan. 
I have phone records and emails to show my interest in the MI being removed and almost nothing in return.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

In XX/XX/2018 my cousin XXXX XXXX added me to 3 of his credit cards as an Authorized User since he was having difficulties making his payments on his card, in trade he allowed me to use the card and by doing so it would add to my credit history since I don't have a vast history on my credit report. 

My other cousins were added to the card and their information is reporting. I called each of these companies and they stated that they sent the bureaus my information for it to report but I'd have to call the bureaus. I called Experian on every number I could find for them and they have it where you can't talk to anyone no matter what you do. I don't believe it's fair that they can have this type of power of my ability to get financing and don't even have a way to speak to a human being, no fax number, only a mailing address that I don't want to lose all that time waiting on the mail. 

I've also asked them several times to remove any mailing addresses that weren't my main address but they insist on keeping them on. 

I also asked them to remove all the name variations with exception of my first name, middle, last name and suffix, they insist on several different name variations.
Consumer complaint received 2019-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MO)

PMI was not removed when it should have been. LTV had to be 78 % or lower and completing 60 months of payments to remove PMI. Requests were sent numerous times to Home Point Financial requesting that it be removed. Finally a response was given on XX/XX/18 stating that LTV was at 68.1 percent and 70 payments had been made so PMI would be removed within 7 business days. We requested back pay for the previous 10 months that were wrongfully charged. So, already 10 months had passed with PMI not removed. PMI is still being taken out each month and it has not been removed. Home Point Financial is not communicating to the requests. We were told to email them and have not had any luck with responses. We want PMI removed and we demand back pay for the months that is has wrongfully been charged.
Consumer complaint received 2018-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I ask that a manager simply review the notes in the file on just how many times underwriting has unnecessarily delayed the file by requesting documents already and file and even previously confirmed and documents completely irrelevant for example tax returns. I personally have explained the fact there are no tax returns because the borrower is retired and doesn't file a dozen times, there is even a letter of explanation on file. Something is requested, I explain via phone call, the person I speak to puts a note in the system to explain to underwriting, the request is squared away only to have something else come up the next week and the exact same process has to repeat again and again to the point of insanity. Just when it finally seems like the nightmare is over and I am told underwriting approved the file and the just need mortgage insurance to sign off ( even though there wasn't mortgage insurance on the last offer months ago when we got approval ... ) I find out today that they need a BPO because the one they have on file is expired. they state the bpo they have on file is from XX/XX/XXXX but I know for a fact a BPO was completed on the property on XX/XX/XXXX. The only way I can explain how this file has been reviewed and what ive had to deal with whilst negotiating the short sale is abuse. 

Read the notes, and one would see why this file is about to make me quit my job.
Consumer complaint received 2018-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc. (NY)

I received a collection notice from professional claims bureau Inc. Claiming I owe them a debt the purchased from XXXX XXXX XXXX XXXX university XXXX XXXX date XXXX Now I want to be crystal clear I was never in that XXXX on that date is this some kind of scam let me know
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.