davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
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. (WA)

I 've contacted the 3 credit report bureaus XXXX XXXX, Trans Union, and XXXX XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear XXXX, Trans Union, and XXXX! 
Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CT)

we refinanced thru a local credit union, within the year we were notified that Phh mortgage services had taken over our loan, at first it was ok then I was unable to make a payment on time, called them they said I could break that payment into XXXX lesser payments to catch up, not telling me that this was going to affect my credit score showing XXXX late payments, a couple years later my wife got layed off from her job XXXX, we asked to get a loan modification to help offset the loss of income, this was a nightmare, between the representitive that spoke broken XXXX to the constant problems with paperwork, we finally were told we could do a trial period of XXXX payments, we did that with out a problem until our XXXX rep sent the paperwork for the modification I would be paying on my mortgage until I was XXXX, so obviously we said put us back on our regular mortgage then I get a letter saying I owe XXXX dollars in late fees, which they said because you did n't pay your regular amount that late fees were added, we disputed these fees but these people are not approachable, also they kept harassing us when we were in the modification in broken XXXX asking do you want to keep your house, also after we did the trial mod and went back to original mortgage, we got a letter saying we owed them XXXX dollars for original mortgage to get back on track, this company is horrible to deal with, you cant understand them and when you get an American to speak to they do n't want to listen or hear anything you are trying to say to them
Consumer complaint received 2015-05-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GLA Collection Company, Inc. (KY)

I already filed complaint # XXXX but need to add also complaint that original debtor refused to work with me when I called them. They said they no longer had an account # or any information on me and the collection agency they turned my account over to would not work with me either. So apparently someone sold the debt to another agency and now my credit report shows I owe XXXX different agencies XXXX different amounts for the same original debt. I was never even contacted by the XXXX agency in any manner. I had to go online to look up their name and phone number. I need to get this off my credit report. It has destroyed my credit.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

In accordance with 605B, it is crucial to promptly remove this account. I am quite frustrated that it is showing up on my credit record, so I earnestly request you to erase this account as it does not belong to me.
Consumer complaint received 2024-01-26
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-02-11
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)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (CT)

Well One of the Company is a bank Some how I recieved to accounts of checks with defen account Numbers and I never had an account with them. 

the other is someone in XXXX PA is useing My Name too!
Consumer complaint received 2020-10-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I wrote Select Portfolio Servicing Inc a letter on XX/XX/2020 informing them to only contact me by mail. 
SELECT PORTFOLIO SERVICES, INC contacted me after such mailing however their first level of communication was not a dunning letter but a demand for money. 
Although I requested communication via mail they did not first request permission to communicate with me or communicate for or any terms/conditions of or for a debt.
Consumer complaint received 2017-05-23
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. (FL)

XXXX   XXXX   XXXX  {$3900.00} This auto loan was taking out in  XXXX , I paid on this car until  XXXX , this vehicle was then sold by the auto loan company to a auction, they told me I was no longer liable for the vehicle due to no longer having a contract and the vehicle was sold and this company received money for it. I also received a letter from a collection company saying I owe {$1900.00} and still trying to collect debt. This account is now closed and a charge off on my credit, however, they are reporting to all  XXXX  credit bureau 's each month updating on my credit as if im paying the account late on  XXXX  currently they just reported I was late 90 days,  34  times and all other credit bureau 's says different amounts. I have disputed this with all  XXXX  credit bureau 's on two occasions, telling them I am no longer liable for this account and I have no contract with this company, I asked ach credit bureau to send me the documents validating debt, along with information showing this vehicle was sold and they received the remaining balance for, they have fail to send me any documents and will not remove this from my credit report.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler has sued for a debt I do not know about. They are now garnishing my pay. The court papers that were issued to my employer showed the wrong address listed. Please help me. I do not know what deb is owed and when the debt originated from.
Consumer complaint received 2018-03-17
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)

There is a negative report from XXXX XXXXXXXX XXXX on my credit report which states that I had a past due payment of 30 days. That account has been closed and I have no idea why there would be a late payment recorded when there is no balance. I want this negative removed from my credit report which is otherwise flawless. The account was opened XX/XX/2008 and closed since then so I don't know why anyone would report a one time late payment that remains to the present time. I don't know why the payment was late but I pay my bills on time and find this report suspicious. I would appreciate someone contacting me from XXXX XXXXXXXX XXXX to inform me of how I remove this negative comment. My email is XXXX Thank you
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 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 has violated my rights. Or list of inquiries 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 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

On XXXX XXXX, XXXX I received notification from Enhanced Recovery Service ( ERC ) claiming I supposedly owe a debt to them ( Doc A ) ; ERC did not provide me 30 days to dispute the validity of the debt. On XXXX XXXX, XXXX ERC reported that same invalid debt to the Credit Bureaus on my credit report ( Doc B ) to defamed my character and cause me grave financial harm. On XXXX XXXX, XXXX ERC again reported ( Doc C ), or updated the invalid debt to my credit report to cause me grave financial injury. Also per ERC reporting, the statutes of limitation have long been expired on the collection of this invalid debt. ERC reported a balance date of " XXXX XXXX, XXXX ''. There are several inconsistencies with ERC notifications that a reasonable person can not state ERC 's claim is valid. ( Doc A, B, C, D ). ERC is only doing this to cause me financial harm. 
ERC violated FDCPA and FCRA ( the Acts ) regulations. 
I will file separate legal action against ERC to recover damages for : defamation of character ; causing me grave financial harm in a Court of law. 
I am required to seek the penalties imposed by the Acts from the Federal Trade Commission ( FTC ) and/or Consumer Financial Protection Bureau ( CFPB ), before filing legal action to recover for the same violations and abuse of my rights. 
ERC violated the statutes of the Acts. This Agency has the authority and jurisdiction under the Acts to recover penalties on my behalf instead of filing legal action on my own.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (GA)

On XX/XX/XXXX they took the amount of XXXX I still have not received a letter confirming the debt is paid. They reported again in XX/XX/XXXXthat I owe and it has been paid. I want removed from all Reporting agencies
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

Date of collection : XX/XX/2021 for {$490.00} My mother was / is on XXXX At the time of the service she temporarily was not receiving her XXXX because of her age and not understanding somethings she lapsed. I was able to reactive her XXXX and was able to give the number to medical providers she saw during the time of lapse. After a hospital stay the medical bills were covered however the XXXX XXXX would not take the XXXX number. I have on several occasions ask for them to please take her XXXX. They refused to take it. 
She is not in a position to pay this. I subside her food and other needs and this is strain on my household. 

I have explained the situation to the collection agency and they asked for her medicaid number. I was not comfortable giving it to them although will if it safe to do so.
Consumer complaint received 2018-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (TX)

XXXX XXXX is attempting to collect on a debt that they are aware is over 10 years old. I've notified them that the debt is old and it should be removed from my credit report. They told me " they don't report to the credit bureaus '', which as I understand is a very old tactic. I asked for proof of the debt, which they sent, and confirmed that it was old and should not be reported on my credit. I again requested that they remove the debt from my credit report. They have not complied and are telling me that the debt is still valid when they were never holders of the debt and the utility company is no longer collecting on the debt, as it has aged out of their system.
Consumer complaint received 2015-10-28
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (WI)

Money has been sent by Western Union to private party in XXXX. I received information that money can be received in XXXX XXXX WU reps. XXXX women walk for XXXX miles to get it but in XXXX reps told her that is WU system doesnt work. She has to walk back by rough road w/o pavement.
Consumer complaint received 2018-03-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

I'm filing this complaint against wellsfargo mortgage because they have repeatedly not communicated with me on my mortgage application and have repeatedly run my credit, which has resulted in my XXXX  scores going down almost 40 points in one week. 

I have scores of XXXX  XXXX, XXXX was XXXX ( then they ran my credit over 5 times ) and now it is XXXX, and my lowest XXXX was XXXX ( now it is XXXX dropped 40 points ) from all the hard inquiries they did to purposely sabotage me. I '' m enclosing most of the screen shots of my credit and most of the times they ran it as proof. When they wouldn't return my emails or calls, I started to call until they answered me. They told me that they couldn't see my credit and so they kept running it. When I called all the credit bureaus I was told that wellsfargo needed to contact them directly through their business line, because there were profile errors on my reports, causing them not to be able to see it. The credit bureaus told me that wellsfargo should have immediately noticed that the reports weren't coming through and should have contacted them through the direct line open for corporations to establish issues such as what was occurring with me, so as not to cause any drop in scores from multiple hard inquiries. 

Now wellsfargo is denying my mortgage for low scores! Really, I had over the threshold of 600 as my average and now with the 5 times they ran my credit they dropped me significantly. Now they are saying that it requires special underwriting? ON every website wellsfargo states that the requirement for a VA loan is 600 and verifiable income. Both me and my wife make a combined XXXX a year and both have over a 600 in credit scores when you average all 3 bureaus. I have a VA Certificate of Eligibility which backs the loan with federal funds, income, the credit score, and below 35 credit utilization. What is the problem? I'll tell you what it is, an inability to serve people honestly and correctly. Veterans should not have to put up with this garbage. 




XXXX XXXX Mortgage Processor ( SAFE ) NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX ext. XXXX | Fax XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING BALANCES, LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2019-02-25
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (VA)

My mother had a reverse mortgage on her home. She died, XX/XX/2019. Today will be one month from her death. I went to pick up mother mail and found a letter for requesting I contact them within 30 day. I just got the letter and it has not been 30 day. Yet, they have taken passion of the, change the locks and took some of the expensive items out of the house. Do the Reverse mortgage have the right to take my mom home without court notification? 

A notice posted and the date on the notices was XX/XX/2019. They went into packed boxes and took what they wanted. They set something to side, as if they were coming back to pick them up. I was in process of packing my mom items with boxed of stuff in the boxes. I would think, they would have call me since, I am her only child. The have all my information. 

There was someone still staying, so was lock out. I had been paying the taxes, Power, and insurance on property until I can get me a loan to buy my mom home. Should have the opportunity to sell my mother home or buy, but the reverse mortgage has taken over the property. What can I do? I just purchase carpet for the living and bed rooms. 

Also, she had a credit balance XXXX in XXXX, yet today I check and see that have been withdraw to pay on the home and there is a balance XXXX. What are my rights as her only child? I am willing to get a loan on because the city assessment is over XXXX and or get the house ready for sale, but that right has been taken away from me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX. However, I have not been able to get them on the phone. I want to buy and sell my mother and some from XXXX XXXX XXXX XXXX has taken position of the property. Can they perform an eviction without a Court Order and no formal posting? The letter was dated XX/XX/XXXX and I just got it. XXXX XXXX can be reached at XXXX XXXX. Please help. 


Company managing her money XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. XXXX. XXXX XXXX XXXX XXXX XXXX