davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is a duplicate inquiry from XXXX in the past 30 days and there should only be XXXX reporting. I was advised by XXXX that they requested it be removed but it remains. There is a fraudulent inquiry that remains from XXXX XXXX dated XXXX/XXXX/XXXX. I was advised by XXXX XXXX that they requested a removal but it remains. I was also advised by XXXX XXXX that a request was sent to have inquiry removed ( XXXX, XXXX, XXXX ) over a year ago but it remains. There is written documentation in a previous XXXX XXXX complaint with CFBP. There is an inquiry from XXXX XXXX that is fraudulent and I was routed back to Transunion to dispute. There is also an inquiry from XXXX XXXX XXXX that is fraudulent. My driver 's license was stolen along with my car XXXX XXXX. Please add my phone number to my fraud alert. XXXX.
Consumer complaint received 2016-09-12
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Integrated Recovery Services (CA)

INTEGRATED DEBT SOLUTIONS HAS BEEN CONTACTING MY FAMILY MEMBERS ON A DAILY BASIS. BOTH MY MOTHER AND SISTER HAVE RECEIVED UP TO 6 CALLS PER DAY. XXXX XXXX IS LEAVING VOICEMAILS REQUESTING FAMILY MEMBERS RETURN HER CALL TO PROVIDE AN ADDRESS OF WHERE I CAN BE SERVED FOR A DEBT. 

I HAVE CONTACT THE COMPANY AND VERIFIED THAT THEY ARE REQUESTING PAYMENT FOR A LEGITIMATE DEBT THAT I OWE. I ADVISED I WOULD SET UP A PAYMENT TO RE-PAY, HOWEVER ONCE I PROVIDED MY PAYMENT INFORMATION OVER THE PHONE, I HAS SECOND THOUGHTS ON PROVIDING TO THIS UNKNOWN 3RD PARTY COLLECTOR. 

THE COLLECTOR HAS HAD AND HAS LEFT NUMEROUS VOICEMAILS ON MY PERSONAL PHONE AS WELL AS MY WORK VOICEMAIL AND I HAVE BEEN IN CONTACT WITH THEM DIRECTLY. AS THIS ADMINISTRATOR HAS MY PERSONAL CONTACT INFORMATION, THERE SHOULD BE NO REASON FOR THEM TO CONTINUE TO HARASS MY FAMILY MEMBERS.
Consumer complaint received 2021-01-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

We are the seller. Purchasing agreement was signed by the buyer on XXXX. XXXX XXXX ( XXXX, NMLS License # CA-CA-DOC XXXX ) with the GEM mortgage ( XXXX, NMLS ID # XXXX ) started working on this loan on XXXX. As of today on XXXX, the FHA loan is still not approved. The lender was still working on the verification of employment ( VOE ) on XXXX. No timely communications from XXXX to seller 's realtor and broker even till this date ( XXXX ). 

Compliance officer XXXX with the GEM mortgage was contacted on XXXX regarding my concern that XXXX was not processing the loan properly. I spoke to XXXX on XXXX regarding this subject matter. Received an update today XXXX but I disagree with the finding that XXXX said that he did communicate with seller 's realtor. The issue is not about communicating or not. The issue is that there was insufficient and untimeliness in updating the status of the loan. To blame the 108-day escrow non-closure on COVID-19, FHA loan processing time, seller 's realtor 's personal issues, buyer 's issues, ... etc does not satisfy any reasonable buyer/seller 's expectation of a " normal '' real estate transaction.
Consumer complaint received 2016-09-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Blackwater Capital Group LLC. (GA)

XXXX XXXX contacted my husband regarding a business matter and when my husband asked about the company she refused to provide any information. XXXX XXXX proceeded to contact my in-laws and try to obtain information from them but my husband was at there house and informed XXXX XXXX that she just contacted him regarding her concerns. My husband then called the number provided by XXXX XXXX XXXX XXXX and spoke with a mail customer service representative for BW Group. He informed my husband that they agency was an accounts receivable agency an account was placed with them for XXXX XXXX. The customer service representative stated that legal action was pending against me were a judgement and a wage garnishment was pending, but they wanted to speak with me about handing this account. When my husband requested information about which court the representative them stated that the legal actions was possible but had n't happen yet. My husband mentioned that he works in the legal field and begin to question the validity of the account. The customer service representative then requested which law enforcement agency my husband worked for and after it was confirmed that he worked in investigations the customer service representative then became aggressive and made some derogatory comments. He stated that my husband and mine credit reports were horrible and that we do not pay our bills. He stated that we are no responsible and needed to pay our bills. He stated that they have aggressive ways in collecting accounts and finding information on people. This phone call took place on XXXX/XXXX/2016 at XXXX. When my husband asked for the address to the company the customer service representative refused to provided it and questioned why we needed it.
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I had submitted a complaint regarding my mortgage with my lender Wells Fargo/America servicing company. Hard times had fallen on me m husband died and then my daughter had an terrible accident. I had fallen behind in my house payments by {$5000.00}, and wanted them to work with me, but they would n't, I complaint to you and then Wells Fargo called me. They said they would be sending me a letter with items they needed to modified. What I received it the mail we a letter stating my property value had gone up according to their drive by appraisal and the com parables in my area.I thought they have n't seen the inside there are damages and deferred maintenance and even structural damage due to the water leaks under the house.I called Wells Fargo the home preservation specialist that sent that appraisal she never respond to my many of messages. finally I spoke with someone in that department I was then told my file was transferred to a new home preservation they did n't know who it would be but that the new specialist would be contacting me. I have never received a phone call from the new specialist, when I call I speak with an operator. Time has past because of this and I currently own Wells Fargo {$20000.00}. which I have {$17000.00} of it. I do have a sale date scheduled for XXXX XXXX. Ido not want a foreclosure i would love to save my home and live here and repair it, but if that is not possible I rather Short sale rather then foreclosure. Because I have not been able to get a response from Wells Fargo I did sign with a realtor to do a shortsale but they are not working with her either.Please help please.
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (NV)

Cach llc has failed to verify the {$1200.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification several times, month after month since XXXX 2016. I still have the documents i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, XXXX XXXX ( 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action to file a small claims lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. Cach llc is headquartered in XXXX, XXXX but there is no active status in California according to " California XXXX '' so i 'm not sure who or what should i label as the defendant on my lawsuit due to jurisdiction statute. I 'm ready to take action, I just want the reported debt account to be removed from all XXXX of the credit bureaus, as it is illegal reporting.
Consumer complaint received 2015-03-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

I signed up for a XXXX promotion for Wells Fargo bank for a {$10.00} e gift card. See below and attached. I have been trying to obtain this gift card for 6 months now and no one can help me, not the local branch, nor the corporate customer service. In fact, the manager ( XXXX of XXXX, XXXX ) told me to file a complaint if I needed to ... ..so here I am. 

I met with the financial services rep, opened XXXX accounts ( which was n't a requirement ), was n't advised on the fees for those accounts and then terminated those accounts as a result of them not being forthcoming and honest about them. 


Wells Fargo Financial Appointment for {$10.00} e-Gift Card ( Participating locations in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) For anyone interested : XXXX 1. Take a moment to make an appointment that 's convenient for you ( offer code XXXX will be pre-filled for you ). 
2. Meet with a banker for a conversation about your financial priorities. 
3. After your appointment, you 'll get a {$10.00} eGift card that can be redeemed online at XXXX retailers. 

*To qualify for the {$10.00} eGift card ( offer code XXXX ), make an appointment online by XXXX XXXX, 2014. Appointments must be conducted in person at a Wells Fargo banking location by XXXX XXXX, 2014, to qualify for the offer. Limit one eGift card per customer. Offer is only available at participating Wells Fargo banking locations in XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Offer can not be combined with any other offer. No purchase necessary. Wells Fargo team members are not eligible. Gift card subject to terms and conditions of issuer.
Consumer complaint received 2022-02-12
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. (OK)

I have a loan through XXXX XXXX with a late payment. 

The dates entered and type of delequency constantly changes multiple times from 30 days late, to 60 days late, to two 30 day late payments, to two 60 day late payments, from XXXX to XXXX, and info shared to the 3 bureaus do not match up. I have tried to remedy this problem and they always update it to a different delequency or change the dates. If their reporting info is correct and verified, no updates should be needed. 

This problem sends my score up and down constantly every month depending on what they decide to do. XXXX, XXXX, and EX are showing different data and I have never been furnished with proof of the delequency. I have kindly asked for a deletion with the data furnisher and the credit bureaus to stop this problem. At this point, I am frustrated, tired, and can't secure a mortgage with my credit report constantly changing.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC. (DE)

I own a home that I am having a difficult time paying the mortgage on, I have tried several times to file for hardship towards the home and have filled out all the documents to the best of my ability. I have submitted and resubmitted all the required documents prior to the deadlines and each time I am told I have missing documents. I 've mailed in the documents, scanned and emailed the documents and they still do not reach the right person or department and then I am denied assistances. I am NEVER able to speak to the person requesting the documents directly I am always told they are NOT available. When I file complaints then I get nasty letters stating I am a liar and that my complaint is baseless. I can not get this my mortgage company to help me in any way. I am about to loose my house, the renters that where in my home skipped out on 2.5 months of rent putting me in a bind. I am currently only working XXXX part- time jobs and can not make up the missing monthly payments so I applied for hardship. I do not have a phone as I am unable to pay for a cellphone or monthly service. I am living paycheck to paycheck and am so tired of the run -around. I need help, this company does not want to help or allow me to seek help and I am out of options to do anything anymore. My credit is in the toilet I have no savings, no hidden money or agenda I need help and all I am getting are doors slamming shut and I am sorry you do n't qualify. My mortgage company refused to help nor can they find any of the documents I have emailed and mailed to them. They claim I never did and I can show that I did. Can you help me?
Consumer complaint received 2022-09-05
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. (MA)

I have mailed package XX/XX/2022 to Equifax with astronomical amounts of incorrect/ inaccurate and incomplete information my credit report. I asked Equifax to correct all the information or delete the accounts. Due to these inaccuracies and incomplete information on my report it leads me to believe that my previous disputes were not address or investigated nor were they validated or verified as it pertains to most of the same accounts disputed. How can Equifax have verified/ validated these accounts when they have inaccurate and incomplete information? This is very concerning to me as I as the consumer are not being taken serious and do so believe that no real investigation has ever been done by Equifax due to the inaccurate information and incomplete information which I determined from Equifax own report that I received. I need these matters to take immediate attention and for these matters to be resolved without delay. I would love to get an answer as to how they investigated/validated/verified these disputes and my previous disputes and what companies they used to do so. I would also like to know how they came to their conclusions when they are reporting inaccurate and incomplete information then wouldn't that mean that their results would be inaccurate and incomplete and therefore in direct violation of the FCRA.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

First off I have never ever been contacted by this collection agency so I never had 30 days to dispute the record. However, my wife has been contacted and they put this account on my credit report. Called the company they say they are collecting for XXXX spoke with XXXX and he told me that they do not lease for the apartment complex anymore and haven't for well over a year however, this debt collector is trying to collect a debt for XXXX that is not valid. They informed me that I do not have a debt with them and they do not even have an account for me and my spouse anymore. I have filed a complaint with identitytheft.gov, now cfpb, ftc and a police report on this company. They know all this information that I do not have an account and never owed this amount nobody can verify as they stated that XXXX could, but after talking to XXXX myself that is not true. They do not have an account for us. They will not reply to my emails or answer my phone calls or respond to communication via mail. They ignore me and will not remove the debt after it has been reported as fraud because they sent me a document with my spouse and my signature which is not a valid document and it has information crossed out like the manager changed some information and that automatically invalidates the form. We did not live at this place when they are trying to bill us for. We moved out a month before what they are trying to bill us for. This company is fraudulent and does fraudulent activity and needs to be sued and a class action lawsuit as there are so many people they have done fraudulent activity to as well. They will not respond to you in any form phone calls, emails or letters via mail if you do not agree with the debt so how do you dispute anything if they will not reply anyways. XXXX even told me that they never sent me any document within 14 days of us moving out because we did not have an amount due and no account left with them after we moved so this debt collector is trying to collect something from whoever took over the apartment leasing which is not who I leased through.
Consumer complaint received 2022-09-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-28
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: 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 U.S.C 1681.

US DEPT OF EDXXXX # XXXX, US DEPT OF EDXXXX 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 under 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instruction.

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 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This complaint is being made by the consumer XXXX XXXX XXXX my personal information was fraudulently obtained during a breach with several companies. Please see the identity theft report attached. The accounts are fraudulent Please remove them from my credit file immediately.
Consumer complaint received 2024-02-25
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. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX  XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.