davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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: CAVALRY INVESTMENTS, LLC (TN)

I was trying to buy a house and I realize that i had damages on my credit report according to the fair credit law 15 USC1681LAW there should not be any damages on my report. Its a defamation to my character. And this is a federal law violation. This have me emotional and stress now I am homeless.
Consumer complaint received 2015-04-30
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: AES/PHEAA (IL)

I am taking legal action against National Collegiate Trust/NCO but their servicer American Education Services keeps contacting me about the past due loans which I have wanted moved to another servicer. I had a rep ask me when I will make a payment when I advised her that National Collegiate Trust or NCO will have to contact my attorney which I advised them of several times. They removed the attorneys phone number which I am not why they do that, I have the copy of the retainer I signed.
Consumer complaint received 2020-10-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: LOBEL FINANCIAL CORPORATION (CA)

Lobel financial all of a sudden took away the option to pay by phone or online. I've only made online payments, and I've only been early, I've never been late. They can not give me one reason why they are doing this. Lobel financial is demanding unreasonable ways to make payments with no explanation. This is not fair to the consumer ( s ).
Consumer complaint received 2018-03-16
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. (CT)

Experian continues to report inaccurate accounts on my report. I am NOT asking for disputes. I want these removed. ALL XXXX XXXX  XXXX accounts should be removed as they are breaking the FCRA laws. The information is inaccurate and they have me in their consumer affairs status when I call so that I can't speak to regular reps but they still have not corrected the issue. They even admitted to the reporting of XXXX XXXX XXXXXXXX that has deceptive reporting. Now their own site ( EXPERIAN ) states that for an account to report it must meet FCRA requirements such as regularly updating. It also states that utility companies do not typically report directly to Experian or other credit reporting companies. Because credit scores are calculated using information in your credit report, your utility payments would not be included in your credit scores. And this is on their own website but yet they continue to report inaccurate information. No one else is reporting this inaccurate information. This needs to stop now
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Have been in a complicated process with Wells Fargo Home Mortgage. To make it short - they are foreclosing on my home - EVEN THOUGH IT '' S BEEN SOLD!!! No - not a short sale - SOLD OUTRIGHT!!! They have been provided all the required documentation including sales agreement from XXXX XXXX XXXX. This was given to them in XX/XX/XXXX. They have turned it over to their attorneys and have contacted the local sheriffs office. This is all to pile on as many fees as possible before the closing. The phone calls by me and the real estate company to Wells Fargo have been exhausting. Switch around constantly from person to person who could do nothing. Finally about a week and a half ago, I was in contact with a XXXX XXXX - who I believe is a " higher up '' and she guaranteed me that the foreclosure process was " on hold '' and that I was charged only {$1000.00} in fees ( only? ). She said that she would see to it that the local sheriffs office was contacted letting them know of the situation and that they need not be involved. We were just waiting for the buyers to get their V.A. loan which the real estate agent said would be very soon. Other than that - all parts of the process have been completed - inspection, appraisal, etc. The buyers are excited and ca n't wait to move in. BANG - about a half hour ago, the local sheriffs office came to serve me with eviction papers!!! ABSOLUTELY INCREDIBLE!! The emotional pain and suffering that I have gone through has been incredible and unbearable. I have no choice to meet with an attorney ( XXXX today ) and deal with this matter through that avenue. From what I understand, XXXX is considering the same. Anyone considering a mortgage from Wells Fargo should be advised against it. Even if they offered the lowest possible interest rate it the world - DO N'T DO IT!!
Consumer complaint received 2022-08-15
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. (TX)

I have been disputing unauthorized inquiries that I did not consent to on my credit report for over 8 months now with Equifax. I filed a FTC # XXXX report back in XXXX 2021 and they still will not delete this unauthorized inquiries. I am being ignored and forces to take action. I am filling a complaint with the XXXX XXXX XXXX as well as the Attorney General 's Office. This is unfair treatment.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

On XXXX/XXXX/15, I entered into a an agreement to purchase furniture at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX salesperson convinced me to finance the entire purchase with a promotional financing agreement that she was offering through Synchrony Bank XXXX It was an 18 month no interest financing promotion. I received my Synchrony monthly statements and the furniture was indeed financed as agreed. Unfortunately, the furniture was never delivered. The specific delivery date was rescheduled by XXXX XXXX XXXX XXXX twice. In XXXX 2015, I finally complained to Synchrony Bank that the furniture was never delivered and that they should not pay or Synchrony should reverse the payment that they did make to XXXX XXXX XXXX XXXX Synchrony Bank responded to me by letter dated XXXX/XXXX/15 that they had given me credit but that there was a 35 % cancellation fee that I would be responsible for. This 35 % cancellation fee ( {$2200.00} ) made no sense to me since I did not cancel the order but rather I was the victim of a consumer fraud perpetrated by XXXX XXXX XXXX XXXX ( a sales agent of Synchrony Bank XXXX. The furniture still has not been delivered although I never cancelled the order. I called Synchrony Bank more than XXXX times to try to resolve this dispute nut Synchrony continues to bill me a {$2200.00} cancellation fee.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I keep getting this error code when trying to get credit report report. Its been over 1 year and called several times. No one can figure this out. TIER 3 Supervisor. 

Please give us a call and give this code to the Agent : XXXX Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXXXXXX XXXX to XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX to XXXX XXXX ( ET ) Saturday and Sunday.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (VA)

I am trying to login to https : //www.innovis.com/ to unfreeze my credit report. After I provide my correct user name and password, it asks me to send a code to my current phone number. I approve and receive a code. However, the web page says that the " The phone number selected is not available for passcode delivery. Innovis indicates other phones may belong to you. If so, please select another phone and try again. '' None of the listed numbers belongs to me. 

I called their customer service to resolve the issue, and I was given the run around. Their service is in India and the agent could not resolve anything. After waiting on hold forever for a supervisor, I was sent to a voice mail. This is time sensitive and this company needs to do a better job.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX County & XXXX County & XXXX County medical providers have erroneously billed for unnecessary medical services for unrequested/unrequired medical services. Requesting CFPB to permanently delete associated medical accounts and medical collection accounts. Per Federal Law medical accounts are NOT to be reported XXXX, Transunion, or XXXX. I have a XXXX credit score, due to medical accounts my credit score has dropped to a mid-score of XXXX which is limiting my credit access in rentals. 

Due to a medical data breach within Counties listed above, medical providers were erroneously called by law enforcement without justifiable cause or medical necessity. 
Essentially, running my medical bills. I assert law enforcement is each County above must be accountable or each County above should pay from County medical indigent funds. I NEVER NOR REQUIRED medical services in State of Florida from XX/XX/XXXX to XX/XX/XXXX. 
My perfect XXXX credit score has been substantially damaged by medical collection accts. 
Review each major credit bureau prior to XX/XX/XXXX - major financial institution accounts report outstanding credit history. CFPB credit report representative must remove malicious billing due to police harassment due to systemic XXXX bias & prejudice.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (CA)

I have a credit card fraud few years ago, which is {$550.00} from my XXXX credit card, and the transaction was with XXXX XXXX. Finally the issue was resolved by the bank and XXXX, and the money was refunded. 

On XXXX 2015, I saw in my XXXX credit report, there is a collection from a third party collection company " XXXX '', with {$550.00} amount, stating XXXX. I worked with my bank and the collection agency and finally resolved after few weeks painful work. It was finally removed. 

On early XXXX 2015, I noticed the collection is back to my credit report again with a different collection agency " Diversified Consultant '', on my XXXX reports. 

It 's been ridiculous, and it 's extremely painful to work with XXXX XXXX and the collection agencies, since I was never a customer of this company, and each time I contact XXXX, customer rep always states I was not a customer, and they do n't have my info. And collection agency always ask me to get info from XXXX XXXX. 

It 's illegal to collect a debt that I do n't owe ( and resolved by bank and debt owner few years ago ), and repeatedly show up in my credit report with different collection agencies.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my Consumer Reports and noticed that my date on delinquency is incorrect and it been more than 7 years on my Credit Report. Re-aging my account is illegal and this needs to be corrected as soon as possible. I tried resolving this issue with XXXX and I haven't get any response and issue was never resolved. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. : Furnisher : XXXX Account Name : XXXX XXXX Account Number Ending # : XXXX and XXXX and XXXX and XXXX Please investigate and provide Proof with statements showing the accurate date of delinquency. If proof can't be provided I demand these to be updated to the correct date as they should be. Re-aging any account is illegal against the law. causing me damages to my Credit Report. Thanks,
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Act Equifax has violated my rights .15 U.S.C 1681 section 602 A states I have a 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 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report , XXXX XXXX office has reach out to XXXX XXXX  to have the item removed on several occasions. I have an email that was sent to XXXX XXXX   requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX  and a email that was sent on XX/XX/XXXX XXXX XXXX. I called capital accounts to request XXXX XXXX no one there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they do not do that. 
As for Equifax I have several confirmation number and sent the exact documents that I have attached to this file showing that I do not owe this debt and that the XXXX XXXX has email the collection company to have the item removed from my credit report. The last confirmation number dated XX/XX/XXXX XXXX. I have several confirmation number dating back to XXXX. I am in the process of purchasing a home and this negative information is on my credit report. Equifax can call the physician office to verify as well.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

I applied for a credit card and was accepted from usaa. they sent me a welcomepack and I recived a bill shortly after. I do all my banking online so I tried to pay the bill right away. they told me I could not hat they needed more information so I sent them morewas told that was good and I should get a reply within 2 to 3 business days never did get a reply so I contacted them again. they told me they needed more info so I sent them more and they told me that they would get back to me in 2 to 3 business days they never did. I got another bill in the mail plus emails on my computer called them up and they told me the last info I sent them was n't right so I explained what I sent them and was told that it would work and they would get back a hold of me in 2 to 3 business days and that I would be able to pay the bill at that time i waited to here back from them never did and contacted them again. they told me the info was not good enough and I had to send more information. I at this point told them to forget it and take me out of there system.they toldme okay and I would recive conformation in two to 3 buissness day in I never did after numorous calls and complaints I am still in there system they turned this into the credit agency during this whole process and it shows as a unpaid bill it has lowerd my credit score enough that ino longer qualify for the home loan i was getting I had a XXXX before all this its now down to a XXXX I needed a XXXX and every thing was fine. so I am stuck staying at a friends house because of a card that I never seen had or used and being forced into getting checks to pay them for something I do n't have they said the only way I can pay for this bill for a card I do n't have and never had is to get checks and mail it to them I am totally frustaited with this hole thing
Consumer complaint received 2016-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (OR)

I was contacted once on XXXX/XXXX/XXXX by Diversified Collections Inc about a debt of {$98.00} that I do not owe. Supposedly the company that they told me i owed the debt was XXXX XXXX. I cancelled my account with XXXX on XXXX/XXXX/XXXX and they still billed me for XXXX XXXX which i paid on XXXX/XXXX/XXXX for {$31.00} I have called XXXX and they have not replied to my phone calls. I have already overpaid them {$31.00} for XXXX service they billed me which I didnt have. I need this to be taken further and taken off my credit report. -- Thank you very much-
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle Mortgage Corporation dba Excelerate Capital (CA)

I applied for a loan with Excelerate Capital. I was approved and all of the conditions were satisfied. The lender canceled my loan after my loan was locked and clear to close due to rates going up. The lender verbally committed to a rate of 3.125 %, later they said that they locked the rate at 3.25 %, so my mortgage broker ( XXXX XXXX XXXX ) said they would pay over {$4000.00} to buy the rate down to 3.125 %. The lender issued another lock for 3.125 % with a cost. When my broker ( XXXX XXXX XXXX ) asked the underwriter when the loan documents will be issued, the underwriter stated that the attorney said he will not honor the lock because the rates went up and that they will lose money. Isn't that why the customer has the option to lock? I took a risk in locking the loan because if rates went down, the lender wouldn't give me the lower rate since I locked in the rate. This lender has caused me hardship by not honoring my loan and now rates have gone up and I have no loan. They required that my credit get pulled twice, so I 2 inquiries on my credit report, which lowered my XXXX score. 
Below is the attorney information. I am asking for your help to have this lender honor their commitment to me. I appreciate the CFPB in looking into this matter and having the lender honor their commitment. 
XXXX XXXX, XXXX. 
XXXX, General Counsel Excelerate Capital XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX XXXX ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax Thank you, XXXX XXXX XXXX 1918 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IL)

This collection company has placed a debt on my credit report as paid, but I handled the debt with the original creditor, nit this collections agency. They should not have an account listed on my credit and need to delete this account because it is lowering my credit score. I spoke to someone there and asked them to delete it, but he yelled at me and said that they would continue to list it as paid on my credit report, even though this agency had no dealings with me and the payment of this account. The original creditor has forgiven the debt and continued my alarm services.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Privacy — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX, which controls The XXXX XXXX Credit Cards had extended my wife a line of XXXX dollars originally. We had good standing with this card for a long period of time despite the extremely assanine 25 % interest rate. It got to a point where certain interest points of XXXX and XXXX month special financing were dropping off and it was expanding beyond our credit limit and I was paying around XXXX dollars every three months to bring it back down below the minimum balance. After this occurred, XXXX lowered the balance and worked with us to catch it up. There was a disagreement on payment and the account went into collections after they tacked on XXXX dollars more and put us over the limit. Now it is with a collections company called Portfolio Recovery Associates LLC. 

They have been rude, and they have bombarded my phone XXXX times a day with varying phone numbers. They have initially failed to identify themselves until they try to bait me into identifying myself as " XXXX Husband '' to which they ask for no further identification questions. They do not verify that I am indeed who I say I am but then go into how she owes money and disclose personal information. 

This is a violation of Fair Collections, This is a violation of XXXX privacy as it 's advertising that she owes a debt - anyone can pick up my phone and say they are - there are laws to prevent this and I 've been rudely told there are not. 

I am not an un-educated fool and know otherwise. A supervisor attempted to get me to identify myself further only when I started mentioning the laws in our country against un-fair practices to which she said they 'd be calling back later. That is classified as harassment and a threat. 

They have also used auto-dialers on my cellphone a XXXX times to get me to return the phone call to speak to someone. 

Please see their previous and current lawsuits -The XXXX also says that : A pending class-action lawsuit filed in XXXX District Court in California in XX/XX/XXXX claims that PRA broke the law by using an autodialer to call consumers on their cellphones without permission. 
PRA lost a class-action lawsuit filed in XXXX XXXX XXXX in New York, and in XX/XX/XXXX was ordered to pay {$350000.00} to about XXXX consumers who claimed that the company included drafts of legal documents suggesting it would sue them when it mailed them collection notices. 

The Consumer Financial Protection Bureau has received XXXX complaints about Portfolio Recovery Associates between XX/XX/XXXX and XX/XX/XXXX*. Complaints about attempts to collect outstanding credit card bills, auto loans and other delinquent accounts include : Threatening a lawsuit or other legal actionImproper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call ) Disclosing the existence of the debt to third partiesContinuing to attempt to collect debt that was not owed or that had been paid. 

This has also happened.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (FL)

I recieved a letter from us department of the treasury, stating that XXXX was taken out of my social security payment to pay a XXXX and XXXX XXXX XXXX debt from XXXX 
This is being collected by a company called Transworld Systems XXXX XXXX XXXX, XXXX, DE XXXX, U.S.A. 
This was a complete surprise, There were no notifications of judgements or any other notifications. Additionally, this collection is far past the statute of limitations, and XXXX was part of a bankruptcy discharge in XXXXXXXX