davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am formally requesting that you validate all tradeline listings you have submitted to the three major credit reporting agencies by XXXX XXXX XXXX for me, under XXXX XXXX. 
Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faculty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. 
Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute. 
Thank you in advance for your anticipated cooperation. 
Sincerely, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (SC)

I have had XXXX phone calls from Paragon Revenue XXXX for a lady named XXXX. I have told them I have no clue who she is and told them to delete my number. I have been hung up on three times. They would not allow me to talk to a manager. I understand that this is a high stress job but am disgusted that this company is being represented by very rude employees. I want them to stop calling.
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (IL)

ESCROW COMPLAINT This escrow was forced on me against my will and without my consent. I had an outstanding balance on my taxes of XXXX. I did n't know about it and as soon as the county informed me by mail, I paid it. However, I was too late. Roundpoint paid it and forced an escrow. They claim that they called my house many times. I have the phone records. THERE WERE NO CALLS. No letter was sent Once in XX/XX/XXXX there was a XXXX ( XXXX XXXX ) shortage on my taxes. They want to also claim that this " deliquency '' was another reason for the escow. They actually wasted a stamp to let me know this. I sent them a nickel in the mail since they were so concerned. 
In addition, I paid my property taxes seven months in advance ( pre-payment program ) from XX/XX/XXXX XX/XX/XXXX Roundpoint failed to acknowledge this and kept demanding escrow. They said they " the tax funds will just be rolled into the next tax installment. '' NOW THERE IS AN EXCESS IN THE ACCOUNT. They said they did an analysis, but they did NOT take the pre-payment into consideration. By law, they can not have more than XXXX USD in excess ( commonly called cushion funds ). There is an excess on the account and they will not acknowledge it. 
I have called them many times. The custumer service is very difficult to understand. I do n't think they are very informed. Please assist me with this situation. They should not be collecting tax money for taxes that were paid in advance. They had no right to force an escrow. I paid that XXXX. It was not a fatal amount. They have their little agenda to force everyone on an escrow. I was not informed correctly
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (NC)

National Credit Systems is reporting XXXX collection accounts on my credit report : {$1500.00} & {$620.00} respectively. I have contacted their office several times asking for an itemized summary of the charges that constitute these debts, but they will not supply me with this information.
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIRST NATIONAL BANK OF OMAHA (MA)

I transferred $ XXXX, they charged me a 4 % transfer fee they have a fixed apr of XXXX per year, but they charge you a 3 % on your remaining balance every month. This is not a deal!!!! 
I thought I was just getting 5.99 % per year, NOT in addition they charge 3 % on $ XXXX or less each month that you have this card. 
FirstBank Credit Card
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Wilber and Associates, P.C. (IA)

I have received repeated calls from this company stating that I owe them over {$16000.00} for an accident from XXXX of 2015. The police report lists the accident as a no fault accident. When I have told them that they scream at me and tell me that I know it was my fault and I just need to pay them. I have repeatedly asked for documentation showing myself at fault, as well as a breakdown of what they are trying to charge me and they refuse, telling me that I just need to pay them. They have threatened to put me out on the street and take everything I own. Also have threatened to have my License revoked. Every call ends with their representative telling me to pay them and then them hanging up on me.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I decided to obtain my free credit reports from the credit reporting agencies. I would be entitled to a free credit report at Transunion, having not previously obtained one in more than a year. 
I went to the Transunion website and clicked on " get my credit report '' and went through identification process. 
It asked various identification questions, and then asked for a credit or debit card number and whether billing address was same as my address. 
I assumed that it was part of identify verification process for access to a credit report. 
After supplying that information, I was given access to a credit report. 
Today, to a great shock, I discovered that I was charged {$24.00} by Transunion for my -- supposedly free- credit report. 
I was NEVER at ANY point told that I would be charged ANYTHING, let alone that I am signing up for any kind of service. 
I never received any email confirmations, either. 
Some online research and poking around Transunion website, showed that they somehow fraudulently signed me up for some of their paid services, of the existense of which I was not aware and to which I NEVER consciously signed up. NEVER was I told I'd be charged ANYTHING, the interface fully is made as if you are just going through identification process. 
I went to the website and used " cancellation '' option for the service, even though I never received confirmation of such cancellation. 
I then decided to try and call the company to explain that it was a misunderstanding and get my money back, since I absolutely never intended to purchase any service from them. They basically just stole {$24.00} from me, using information I gave them for what i thought was a different purpose. 
They give a number ( XXXX ) XXXX as a customer service number on their website, there is no other way to contact them. 
I called that number about 8 times on XX/XX/XXXX in the afternoon, it rings twice and then disconnects. 
There is no postal address. 
This is basically a swindle, fraud and theft. I am reporting it as a fraudulent charge with the bank, but I would like for your help to get my money back, and to stop this unlawful practice.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

Bait & Switch predatory lending from Wells Fargo mortgage consultant XXXX XXXX XXXX XXXX # XXXX XXXX. 

He promised me a {$1000.00} credit at closing, {$500.00} from Wells Fargo and {$500.00} through Union Plus. He did n't say I had to do anything, apply for anything, qualify for anything. 

Turns out the XXXX was only for first time home buyers, which I am not, which he knows I 'm not from my first conversation with him, because he requested I write a letter explaining my 2009 short sale. 

Wells Fargo still owes me {$500.00} of the {$1000.00} that was promised to me upon closing. 

I 've patiently waited and called and written letters for 7 months. I want complain through official channels now.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (CA)

I had an out standing debt with Wellsfargo Bank and they just went into my savings unwilling and collected all of my savings leaving me in a financial hardship. They sent me a letter explaining why they did so I never knew they can do this. Their reason for doing this was called " right to set off ''.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX : XX/XX/1982 To Whom This May Concern, Hope your day is well. Please remove my extended fraud alert from my Experian credit report. I was a mistake and I wish to have it removed. 

Thank You, XXXX XXXX
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

Hello, XXXX & Experian are reporting a new account for XXXX with my report it has dropped my score and reporting like it 's my account - when called company they have my old address but not my Id or social I told them not my account that said my info did n't match there 's so I 'm requesting it be removed. XXXX has alswuas never helped me with issues on my report but just slaps a self generated we added fraud alert to your report- I do n't even know what that is - they said they investigated but never provide proof -
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account has been reporting on my credit for the past 7 years, and it should be deleted based on the time, has been reporting. At the time I am trying to buy a house for my little son and my wife, and this makes it hard since it should be deleted based on the law.
Consumer complaint received 2022-09-03
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. (NJ)

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.

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX # XXXX is violated my rights XXXX  XXXX  XXXX  # XXXX is violated my rights XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights
Consumer complaint received 2015-07-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I 'm filing a complaint because of the lack of help and correspondences with Wells Fargo with regards to the Estate of XXXX XXXX XXXX in an effort to submit foreclosure alternative paperwork including but not limited to the completion of a possible short sale of her property in an effort to satisfy her loan obligation. Every time I send the requested documents such as her Death Certificate they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have complained about unauthorized accounts to my consumer reports multiple times. I reviewed my consumer report and have seen they are still reporting and now an extra collection has appeared out of nowhere after disputing the current unauthorized account. This is blatant and willful violation of my consumer rights and my privacy. I have not given any consent to furnish any unverified information. This is heavily damaging my character and credit worthiness.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have complained about unauthorized accounts to my consumer reports multiple times. I reviewed my consumer report and have seen they are still reporting and now an extra collection has appeared out of nowhere after disputing the current unauthorized account. This is blatant and willful violation of my consumer rights and my privacy. I have not given any consent to furnish any unverified information. This is heavily damaging my character and credit worthiness.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I notice that my credit score decrease once I logged into my creditkarma account I observed an inquiry by XXXX reported as an oil company. I have not apply for any credit cards or loan for the past couple of months. I would really appreciated it if this inquiry could be deleted off my credit. Thank you
Consumer complaint received 2015-08-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp. (TX)

In XXXX 2015 my auto finance company contacted my landlord and informed him they were looking for my vehicle and gave specific color and model. Also advised him it was delinquent and they would get a court order to enter the garage to retrieve it. On the same day they also contacted a reference asking them to relay a message that they were calling about my vehicle that is past due. When I called to speak to customer service they advised when a loan is delinquent, they are allowed to give out this information in effort to locate and retrieve the vehicle.
Consumer complaint received 2017-02-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (IL)

I attempted to contact Lending Club using the provided email addresses. I wished to pay off my business loan. The website allows you to make withdrawal requests. But you can not pay your loan online. The loan note has a paragraph which provides a mailing address to pay your loan. I sent payment, but it was never processed. The note payments are automatically taken from my checking account each month. Essentially, you can make withdrawals, but you can not pay off the note. Lending Club does not answer any communication by email even though their website lists XXXX different wmail addresses.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

For the last XXXX years I was disputing negative accounts due to fraud. 
They never investigate properly and i remain in bed credit for XXXX years as my score stays at XXXX. 
Statuary of limitation was expired in 2021 but XXXX XXXX XXXX fraud negative accounts are still not deleted.
Consumer complaint received 2016-03-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (TX)

My mortgage servicing was sold to Selene Finance by XXXX in XXXX. XXXX had approved a loan modification and I had been paying them, without incident when they sold. One month into my relationship with Selene they raised my monthly payment by over {$300.00} claiming an escrow shortfall. I sell real estate and am hearing more and more of my customers complain about the pattern of changing mortgage terms. It is not unique to Selene but other mortgage companies are doing it too. Please look into this housing fraud scam immediately!. Thank you!
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2021 I made a purchase of {$62.00} at a XXXX XXXX in XXXX XXXX, CA. On XX/XX/2021 I attempted to login to my account online to pay my balance but was unable to do so because the online system appeared to be down. I then made a payment by phone to make sure that a payment would be made on time. I was told that my payment had been received and I received a confirmation number of XXXX. On XX/XX/2021 this payment however was rejected apparently because I incorrectly entered my bank account information due to honest error. I was NOT notified that the payment had been rejected. I received a phone call from XXXX  ( XXXX ) on XX/XX/2021 to inform me that my Target XXXX  balance had accrued about {$31.00} in interest and a late fee ( bringing the balance to {$94.00} ) and had been sent to collections. At no point between XX/XX/XXXX and XX/XX/XXXX was I ever informed that my balance was due, nor did I receive ANY form of correspondence from the creditor. No e-mail, no letter, no phone call, no text message, nothing. It should be noted that the creditor did have all of my current contact information on file ( e-mail, physical address, phone number ), and at no point did any of my contact information change or become unavailable during this period.
Consumer complaint received 2018-03-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

To Whom It May Concern, I have have tried reaching out to the XXXX XXXX XXXX for several years but to no avail. My current private student loans are being serviced through AES. The AES reps can not and will not provide lender contact information. I am beyond struggling to keep up with my monthly payments. I have asked on numerous occasions if my monthly payments and interest rates can be lowered but to no avail. I am told that I no longer qualify for repayment assistance. I was also told to write a letter to my lender which is XXXX and that AES would forward it on my behalf. I have yet to get a response and every time I call AES they are unable to provide an update or they say that the request is " on hold ''. In addition, the amount of money that I have paid in interest alone is beyond disrespectful. It is highway robbery and I feel I am undergoing financial XXXX! According to one of my private loans, I have currently paid about XXXX with XXXX being applied to interest and the remaining XXXX only applied to the principle balance. I am to the point where I have to worry about whether or not I pay rent on time, eat a decent meal or pay my loan on time. I need help, and it is only right that the lender work with me as I am trying my best to remain in good standing. Also, I believe that this is a case for predatory lending. At XXXX old when I signed the promissory note ( 1 ) I had no idea what kind of trickery I was signing. Iwas simply a young girl excited about furthering my education because I did not come from a family that could afford to pay for my education ( 2 ) I went to college with the hopes of graduating with a decent paying job, but the economy and has fail me and millions of americans. Times are hard and this is an epidemic that is affecting the majority of adults today. Again, I need to speak to someone at XXXX XXXX XXXX directly. I can no longer trust or wait for AES to handle this matter. I simply would like to lower my monthly payment and interest rates so that I can live a decent quality life.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2022-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Great Western Financial Services, Inc. (TX)

I have been applying for a mortgage loan with Great Western and because the student loans are in a transition they are being unfair using that against me. I have been on a payment process pan doing what I am supposed to do prior to all this Covid holds and etc. So because my payment shows XXXX they are attempting to put in their own monthly mortgage payment not believing what is being shown. I have had a terrible time getting documentation from student loan servicing agencies to prove it. This has been an unnecessary stressful process that is out of my control and the mortgage industry needs to find another plan to hold people accountable in regards to their student loans. It feels like I am being targeted in a political war and this company has an issue with what the government is doing with student loans. Why Am I being punished for that? The loan officers are rude. If I was a white male I wouldnt be treated or talked to the way I have been.