davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX TransUnion, LLC XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX File Number : XXXX Re : Unauthorized Credit Inquiry to Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. I am a victim of fraud and have a police report on file. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX/XXXX, XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.
Consumer complaint received 2017-05-25
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: EQUIFAX, INC. (CA)

I disputed an entry on credit report from  XXXX   XXXX . It came back verified even though I uploaded the receipt from the original creditor showing the {$190.00} itemized and paid. I also uploaded a copy of my CC statement to support the receipt. I then requested the method of verification Equifax used, and they have failed to respond even though it has been longer than the 15 days required by law in violation of FC RA 611.  I 've also spoken to the original creditor, including  XXXX  in accounting at the corporate office and  XXXX  at the same office who indicated there was no balance to pay.
Consumer complaint received 2016-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Hi, my name is XXXX XXXX. I already have submitted a complaint, however it said where I send the mortgage company Qualified Written Request Letters that if they do n't answer to send them another QWR, ( which I did XXXX XXXX, 2016 documents attached ) ... and then to submit a complaint to CFPB.. ( which I am doing now ... ) Thank you.
Consumer complaint received 2022-09-07
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. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Credit Bureau, Inc. (GA)

I had a large   XXXX   service bill from  XXXX   XXXX   XXXX   XXXX  office after finding out that she was not a network doctor and she is not a  XXXX  provider. Once I had paid off another medical bill I sent an letter with a {$50.00} check, stating I could not pay in full but would send payments as I could. The office turned the account over to a  American  Credit Bureau, Inc.collection agency. In mid  XXXX   2017 , I began receiving calls from a  XXXX   XXXX  's @  XXXX  or  XXXX  ext.  XXXX . I Had noted this number on telephone up  to ten times in one day w ithout a message so I assumed it be telemarketers. Home recuperating from some procedures, I answered the telephone and spoke to this  XXXX   XXXX  's about the account, and informed about the letter and check to  XXXX   XXXX  's office and that a I did not have that amount to pay off and was on  XXXX . He became calling back several time with discounts to present, non that I could meet or commit to.I became unavailable due to severe illness. Rather than leave a message he unknowingly obtained through some source a neighbors phone number and called her stating it was a urgent call for me. This neighbor bought me the note quite upset as to how this guy got her number and questioned if I had given it to him, I informed her no. When I felt better I called his office and informed him he had crossed the line and do not call again and that I would file a complaint to find out what I could do. Seniors are very private people and non-trusting, I was so embarrassed and upset it has delayed my recovery. I also feel this is a harassment issue
Consumer complaint received 2016-09-14
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Columbia Collectors Inc (WA)

They levied my bank account, without notice. Took monies from my account an my XXXX old son 's account that is attached to my name due to he is a minor. I had payment plans of {$75.00} a month, they said when I called after attacking my bank account an my son 's that they had a problem deducting the {$75.00} which I find interesting considering they just depleting my accounts. They did n't notify me of this issue an stated my mom answered my phone and that it was n't my number anymore but did n't leave a message with her or my voice mail of the issue of taking {$75.00}. They financially devastated me, no monies to feed my kids, gas to go to work, caused checks written prior to funds being taking to bounce like my kids school pictures. I had to tell my son who worked hard all summer to have his own monie that this company took his money. They would n't stop the payment, I said " I had no problems making the {$75.00} '' XXXX XXXX stated at Columbia collections, " I had no problems with that payment either. '' I said I wanted to continue making payments, he stated I had to call him by XX/XX/XXXX. with a plan, I asked what plan, he said a plan or they would do it again. I stated I wanted to continue the payment plan, he stated again to call him by XX/XX/XXXX. They couldn ; 't of had a problem taking the {$75.00} a month. They had access to wipe me out!
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MD)

Experian is releasing my credit information to those without authorization. 
XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX, Chief Financial Officer, XXXX XXXX XXXX, specializing in VA mortgages pulled my credit 6 times in the last year. Most recent pull XXXX/XXXX/2016. I have no relationship with XXXX. I have never heard of XXXX until seeing them on my credit report, pulling my credit. I have never authorized XXXX to pull my credit. 
XXXX XXXX XXXX, XXXX, XXXX, VA XXXX, XXXX XXXX XXXX pulled my credit XXXX times. I have no relationship with them and they are not authorized to pull my credit. 
XXXX XXXX XXXX XXXX, XXXX, MT XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX has pulled my credit without authorization 4 times over the past year. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX has pulled my credit without authorization most recently XXXX XXXX, 2016. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX was permitted to pull my credit twice without authorization. XXXX XXXX XXXX XXXX XXXX pulled my credit XXXX times without authorization. I have no relationship with them.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

Ocwen foreclosed on my home in 2010 during our process of doing a Loan Modification which they stated themselves in writing that they would not do. While I was under the impression that Ocwen and I were going to reach an agreement for the continuation of my home ownership they foreclosed on me. Ocwen also made many bogus charges running up my payment and also returned my check for a loan payment uncashed.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

Currently working with a lawyer and the XXXX on an account with XXXX. They were paid off and yet are trying to collect $ XXXX in incorrect charges. I never received any information on the debt. Per the fair credit reporting act, they can not put an account past due if they never sent anything in writing. They never sent anything because I do n't owe it. XXXX used cars is illegally reporting the account as a collection when they have never provided any information about the debt. It was complete paid off.
Consumer complaint received 2016-11-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

In XX/XX/2015 Wells Fargo and I were working on a loan mod for my mortgage. I was told by their representative that " all collection activities were suspended. '' Wells Fargo continued these activities by attempting to serve me with a foreclosure complaint while under this suspension. I returned these documents to Wells Fargo and their lawyers but they continued the process. I believe they lied to me in order to hasten the foreclosure by getting a default judgment.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My account was scammed by someone I was providing and online service for. I was told theyd be able to assist in paying credit debts. However they ended up bouncing the payments, forcing my credit provider to close all three of my accounts. When I apply for new accounts, it comes up that serious delinquency is a factor. What is this, why is this and how can we fix this? I was attacked by identify fraud and am trying to fix my financial situation?
Consumer complaint received 2023-04-16
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. (TX)

I am a victim of identity theft. 
I previously sent all my documents to XXXX, Transunion, and XXXX, regarding the theft of my identity. They blocked the fraudulent information from my credit reports for one month, and then re-inserted it back into my credit reports without explanation which is in violation of the FCRA. 

I am requesting that the fraudulent accounts and inquiries be blocked permanently from my credit report. 

Incorrect Address still appearing on my credit reports : My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please, remove the inaccurate addresses appearing on my credit report. 

Accounts as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you block the fraudulent accounts from my credit reports and send me an updated and accurate credit report. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (NM)

Previously reported Amsher Collections and XXXX for potential violations pf the Fair Credit Reporting Act. Today I received an alert that my SSN was sold on the dark web via a XXXX breach. This is the first time anything like this has ever happened and I find the timing very suspect.

In response to amshers note on my previous complaint : I need a dated letter signed by your representative explaining that this will be removed from my credit with all credit bureaus within 5 business days of receipt of funds.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (TX)

Hello, my name is XXXX XXXX and this is my second attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. 

I look forward to your prompt attention.
Consumer complaint received 2022-02-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NC)

Westlake Financial is continuesly reporting on my credit inaccurately. They have been provided ample amount of time to correct their errors. Multiple disputes via XXXX, XXXX and XXXX. They insist on not correcting their mistakes properly. Due to my rights by law as a consumer and fair credit reporting act I have the right to fair and accurate reporting on my credit.Thank you for your help in the resolution of this particular matter, issue! 
XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates (CA)

we receive a letter from a company name Hillcrest Davidson asking for {$1700.00} for a security system we never ask or have one at home they also said have our social securities # and first ask for XXXX XXXX am not XXXX XXXX but i am married with XXXX XXXX my name is XXXX XXXX when i tried to fix these debt they explain me was a contract signed from us we live in these house for more of XXXX almost XXXX never installed or ask for any security system in all we was involved with a Title company with Identity theft and houses + products be issue in our names i explain Hillcrest Davidson and they told me i have to ask for an affidavit when i said to send to me to my email the last associate start to yell and hang up the phone 4 times i call back and 4 times phone was hang up
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account was restricted 2 years ago because Capital One suspected so called fraud on my account which was not the case. Finally, in XX/XX/XXXX, the account was closed out with a balance of {$1700.00} and a check was mailed to an old address. When I realized this in XX/XX/XXXX I immediately contacted Capital One. I was advised by a manager that a stop payment would be placed on the old check and I would receive a new check in the mail to the correct address within 7-10 business days. I never received the check. Since then I have spoken to 9 different managers and I am on the phone with another as I type this message because each time I call I am advised to wait for the check 7-10 days because the last manager sent the request to the wrong department. Capital One has done nothing but give me the around for 2 months now, as it is now XXXX and no check is in site. I am frustrated just as I was 2 years ago when my account was first restricted and caused me a financial down spiral. I know that what they have done and are still doing is not right.
Consumer complaint received 2017-05-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Chaplain Financial Services LLC (FL)

I have been contacted by a very rude, harrassing and disrespectful lady from these phone numbers XXXX and XXXX at least 6 times today. She has left me very threatening and serious voice messages on my cell phone and on my work phone. I work for a XXXX XXXX and she is threatening to contact Human Resources to have my wages garnished. She also threatened to take police action against me, take me to court, have me served in public, contact my neighbors and my family members. All I asked her for was a validation notice for this " debt '' from 2011 and she has gone out of her way to threaten me. I was in the process of giving her my email address so that she could send me the validation notice and she did n't like that I was spelling out my name for her. She has called me at work requesting the fax number of Human Resources. And then she left another voice message pretending to be talking to someone on the other line saying " yeah at least now we know where she works. '' I will be informing the XXXX PD at the XXXX where I work so that they can be aware.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (NJ)

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 2016-08-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Acceptance Solutions Group, INC (TX)

I have been having some financial problems and because I have asked to stop all payment withdrawal from what is now my husbands account and Texas Acceptance still continues do it, accumulating over draft fees, I need to dispute it. I have tried to keep in contact, although I realized that I have broken promises to pay, my intention 's is to pay this debt off. But at this time Texas Acceptance is no longer working with me and although I have asked them not withdraw from the original bank account given they still continue to do so.
Consumer complaint received 2023-04-02
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. (FL)

In accordance with the Fair Crediting Reporting Act XXXX  Account # XXXX, XXXX XXXX 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 without my written instructions
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: American Heritage Capital, LP (IL)

I have received a Demand for Payment Notice ( Attachment # 1 ) dated XX/XX/2016 for a {$990.00} Rate Lock Cancellation Fee which is based the Rate Lock Confirmation Acknowledgement and Agreement and {$420.00} for a Appraisal fee. 
I have abided the terms of the mentioned agreement and do not owe these sums. When I called to try and resolve this demand notice, the American Heritage Capital representative, XXXX XXXX XXXX, refused to acknowledge the requirements of the agreement. American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states " in an effort to recoup any cost associated in processing and underwriting your loan, a {$990.00} Lock Cancellation Fee will be imposed if you withdraw or cancel your loan application and subsequently close with another lender within 90 days of the original lock date on the same property ''. ( Pg XXXX of Attachment # 1 ) This agreement was signed on XX/XX/2016 which means the 90 day period ended on XX/XX/2016. 
American Heritage Capital LP has deemed that the rate lock was cancelled as stated in the Demand for Payment Notice. As I offered to send to XXXX XXXX, please accept this signed letter as my attesting that the same property was not closed on with another lender within the specified 90 days. Attachment # 2 is a copy of my current Mortgage Loan Statement just paid on XX/XX/2016 providing evidence that no closing occurred. Since the Rate Lock Confirmation Acknowledgement and Agreement specifies that any costs associated in the processing and underwriting your loan are included in the {$990.00} USD Lock Cancellation fee, there are no grounds for American Heritage Capital LP to request any other costs incurred including the {$420.00} Appraisal Fee. 
As mentioned above, American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states that a {$990.00} fee will be imposed if I withdraw or cancel AND subsequently close with another lender within 90 days of the lock, and I did not close with another within 90 days of the lock. Therefore, I do not owe American Heritage Capital LP any costs. Please help me obtain written confirmation from American Heritage Capital LP that this matter has been clarified and is resolved.
Consumer complaint received 2016-10-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IL)

I recently inquired to my auto lender Santander, as to why my balance has not been going down, I have had the loan for 6 years and I still owe a significant amount of money. I was told that there were some late fees ( of which they seems to be more than it should be ), but even more so I was told it was the way the interest was accruing. I could not get a lucid explanation for how this " interest '' was accruing at such a seemingly inordinate way. I want to have this looked into, as I believe the customers are not being disclosed as to how the interest is being calculated or added on. I think that a refund or a reduction to balance is in order. Santander is very difficult to deal with and you get different explanation every time you reach out to them.