davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is currently reporting inaccuracies in my credit report. There are XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XX/XX/2012-XX/XX/2012 which is when these late are showing incorrectly on my credit report. Instead of fixing these errors Transunion has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law. Transunion continues to report inaccurate personal information that when I call they assure me that it has deleted but when I get the updated report it continues to show up when they tell me it has been deleted. If Transunion continues to disregard my dispute and going past allotted time to investigate and properly verify per FCRA laws I will be forced to file suit in small claims court for damages caused by the inaccuracies to my credit report.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Acct # XXXX Ditech Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax # XXXX XXXX I faxed and have proof of submission to have PMI removed from my loan and they continue to stall and refuse my request. I called multiple times and have been getting the run around they are purposely preventing me from requesting this PMI removal so they can make more money charging hundreds of dollars more for unnecessary PMI for the housing market in XXXX, XXXX my assessed value far exceeds the requirement. Today I XXXX XXXX, 2016 I will attempt a XXXX time to send a CERTIFIED letter even though i have proof and confirmation my fax was received by them on XXXX XXXX, 2016.
Consumer complaint received 2022-08-09
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 reviewed my credit report and i continue to notice unauthorized accounts and information and under Title 15 USC 1681a ( 3 ) you guys assumed this role without permission, and did not have my consent. Equifax did not respect my right to privacy pursuant to 15 USC 1681a ( 4 ). You did not exercise your grave responsibility, you were unfair. I have already taken the liberty to file a complaint with my attorney general. Equifax never had permissible purpose under 15 USC 1681b ( 2 ) I never instructed Equifax to furnish this report, and I never consented to this report. What I am demanding right now is that Equifax delete all these accounts and inaccurate information off my report.
Consumer complaint received 2016-05-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I withdrew {$250.00} directly from the Wells Fargo bank teller on XX/XX/XXXX at around XXXX, and was given XXXX {$100.00} bills and XXXX {$50.00} bill. I needed the cash to exchange for XXXX currency on my upcoming trip to XXXX. When I got to the currency exchange stand in XXXX, I was informed that they could not accept XXXX of the {$100.00} bills because it was counterfeit. They returned it back to me after writing " COPY '' on it. Upon my return to the USA, I took the marked bill to the same Wells Fargo branch where I took out the money and explained what happened. They confirmed that it was counterfeit, but informed me that they could not do anything about it because I had already left the " store '' with the counterfeit money. I asked if they could review tapes or confirm who the teller was, but they said it would not help since I had already left the store. They were condescending and rude. i closed my account immediately and withdrew any remaining monies in the form of a cashier 's check. I took the counterfeit note to the XXXX, as I have learned through my own research is policy. To the best of my knowledge, the bank has not reported the incident nor are they looking into the distribution of fraudulent money. I spoke to the service manager while I was there, but I was not able to speak with the branch manager ( nor was this option offered ). I have also not been able to get a hold of the branch manager by telephone. The Wells Fargo branch I went to is at XXXX XXXX XXXX XXXX XXXX, CA XXXX, and the telephone number of the branch manager is XXXX ( name is XXXX ).
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

This is a continuation of my previous complaint OMB # XXXX XXXX after further review of Wells Fargo website. I found the information concerning the disaster assistance programs that states they offer enhanced payment options based on individual needs. This statement infers there are additional programs other than a moratorium that would have been a better option. In addition it also states they offer a 12 month repayment plan for arrears ( at that time would have been equivalent to XXXX - XXXX payments ) was never offered even when we were told we did n't qualify for a modification. We were initially told the first attempt it was because not enough time passed since the previous modification but we were encouraged to try again so we did and was denied again. A few months after the second denial I attempted again and was told their findings were that our home was affordable ( We make too much money ) and we do n't qualify for a modification and that we would have to show a reduction in income to be considered for any type of assistance. We never said we were having financial hardship due to income it was due to the flood and the fact that we had some minor damage to our home and lost a vehicle at that time. So I continued to periodically check in with Wells Fargo for any new programs or assistance only to be told that we would never get any other assistance with our mortgage and to basically short sale or deed in lieu. The inconsistency of information leads me to ask are the employees at Wells Fargo certified on UDAAP policies and procedures. Our loan escalated from a disaster assistance program recipient to foreclosure referral. As our loan servicer Wells Fargo has a responsibility to provide full disclosure and agreement when changing the terms of a loan ( which I believe a mortorium falls under this category ) if you allow or encourage consumers to skip XXXX payments knowing this puts them at great risk for default without offering a resolution at the end of the assistance is willingly putting consumers at risk for losing their homes. We pray for quick resolution and the opportunity to remain in the home we 've been raising our family in. Wells Fargo please make this right.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Within the last two weeks, I asked for a loan from my credit union and discovered that my credit score had dropped due to an account charge off at Kohls. I was unaware that I had an account at Kohls as I do not recall asking for XXXX or signing to open XXXX. Additionally, I never received any communication from Kohls indicating to me that I had an account open or that a balance existed. There has been no mail received by me from Kohls at my address. I do not know who did this or what apparently was purchased under this account that has resulted in a charge off on my credit report. I kindly ask for some assistance in this matter to resolve this matter and get answers to who established the account and why did I not get account notifications mailed to me. If I would have received notification of the account, I would have taken action much sooner to find out who established the account and get this matter resolved rather than going to my credit union and finding out I have a charge off account at Kohls. Thank you for your help.
Consumer complaint received 2018-03-18
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. (UT)

TU Credit Reporting alerted me to a new Collections account filed from XXXX XXXX in the amount of {$190.00} with an original date of XX/XX/2017. At that date, I had just turned 18 years old for 3 days and could not have accumulated this debt. 

I have no records showing an amount of {$190.00} I had no credit accounts at that time. 
I have received no letter from XXXX XXXX. 

What I believe happened is that my name was mixed up with that of my XXXX/debt-owed father. This debt is not mine and impacts my ability to gain credit for student loans and rentals.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NC)

While paying a bill online, ( XXXX ) A browser extension changed the master card number right before I hit submit from my credit card ( Sufficient Funds ) to my XXXX master card ( no funds in that account, and low funds in connected bank account at the time ). I called the vendor immediately and explained, and as i wanted to avoid their extremely high late fee, paid with an alternative method, I also went on pay pal to cancel the transaction, and later called Pay Pal to attempt to resolve this. In the meanwhile, pay pal made 6 attempts despite my communication and double paid the bill, This caused my account at Wells Fargo which was in the positive to generate XXXX NSF fees moving my balance from {$3.00} to $ -XXXX. I explained to the branch manager the situation, in addition to having my case escalated that they were unable to do anything on the system as they had already " forgiven XXXX fee before '' ( also a fee on a documented unauthorized transaction that generated XXXX fees ), and that was after the venfor reimbursed me these fees. I then received a generic email informing me that they were unable to refund any of the fees. To me this seems like at best complete catastrophe opportunism. More likely, this transaction was unauthorized and should not generate fees for which I am responsible. The fact that pay pal did this as a go between perhaps makes this a little easier for them to rob me blind, but I have made all efforts to communicate clearly and immediately when i realized a mistake was made. If I was at a store ( as opposed to online ), I could have said please cancel this transaction and let me use a different card ), to me pay pal should make this easier, but they are n't the ones charging me " FEES '', in some ways this excess fees could be seen as a 151 % interest loan ) XXXX on a XXXX transaction, except the bank never paid the fee.
Consumer complaint received 2021-06-04
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: Westlake Services, LLC (GA)

I have multiple inquiries from a company called : West Lake Service , Inc. 
The dates are : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I do not have any services with this company and I do not know who they are. Additionally, I do not know how or why they obtained a copy of my XXXX  credit report.
Consumer complaint received 2016-02-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC (MS)

i had a loan with green tree and now they say i have to pay ditech for my manufacued home they are taking my rights away in mississippi i need help at XXXX XXXX XXXX in XXXX ms. please help me god!!!!!!!!!!!!
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXX Headquarters XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear sir, I have often sent a concern on your website and emails ( XXXX, XXXX, XXXX, XXXX, and XXXX ). Especially, the last one XXXX was not necessary at all ; therefore, I arranged to be opted out by myside. The other 4 emails addresses sent me the emails of credit report issued by your company, Experian, every day. Thank you for your review of complaints to CFPB. I could understand on soft inquires and credit card provider, which I do not need and have not asked at all. What I want to ask this point after checking all emails from your company emails, I would like you to answer these questions. 

I have repeatedly asked why you added XXXX XXXX. I appreciate you removed the XXXX XXXX ; however, you have not answered the situation and reason why and how the XXXX XXXX  was added. I beseech you to answer this. 

The email of XXXX disputed something on the data of XXXX/XXXX  card , which I could not recognize easily what your company had changed. But I recognized this card balance is {$920.00}, which I believe myself it should not happen. I believe I have never purchased so much, since it is a store credit card, which the people says the rate is worse than the bank credit card. Anyway, would you explain me why you wrote {$920.00}, even though I pay off every month. 

In the same email, XXXX, your company said I submitted the request of dispute on XXXX XXXX. If my memory is right and have capacity to remember, I believe I filed the dispute to the XXXX XXXX  itself on some mysterious transaction, which still on dispute with XXXX XXXX. Therefore, why you mention you have started the dispute on this credit card. 

I sincerely request your answers on the above-mentioned questions and concern. 

Sincerely,
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP (PA)

On XX/XX/XXXX I was going through some records and came across a fraudulent charge on one of my cards dated XX/XX/XXXX. I brought it to the attention of us bank and they told me they would issue me a credit on my card for the full amount of XXXX. After waiting several months with no credit I called back in and they told me that they now were not going to issue me credit because too much time had passed. It is my understanding that I have zero fraud liability and there is no timeframe associated with that. The us bank rep told me it was company policy to deny claims after a certain timeframe.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: FIRST NATIONAL BANK OF OMAHA (AL)

On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I challenge the adverse account designation of HSBC AUTO FINANCE on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by HSBC. HSBC violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but HSBC transferred the account to XXXX, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete. 

BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XXXX 2009, XXXX 2009 and XXXX 2009. I had called HSBC and was informed that they were transferring the account to XXXX XXXX XXXX and that their computer system had problems in the transfer during the months of XXXX, XXXX and XXXX of 2009. 

HSBC indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when HSBC transferred their accounting files to their new partner, XXXX.
Consumer complaint received 2015-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

In 2009 I moved from on post government housing to a new home and transferred my home phone to my new residence. A few months after I started receiving letters from XXXX stating I had a outstanding bill. I explained that my account is still active that I only transferred my line and my account was current. I did n't hear anything else from them reference my bill. About 6 months later I started receiving mail from MIDLAND FUNDING stating they were attempting to collect a debt. I informed them that I still have verizon services and current with my bill. The rep stated that they 're only trying to recover the debt. I asked not to contacted any more about the account and would deal with XXXX myself. I tried several times to get someone at XXXX to find this mysterious bill with no luck. In XX/XX/XXXX I deployed and came back to more letters from MIDLAND FUNDING trying to collect the debt. They said I owed over {$300.00} but was willing to let me settle for a little over {$200.00}. So I gave in and just paid them because I can not allow any negative hits or collection on my report due to the nature of my job. I just recently sat down with my financial planner and on my Experian credit report there is a collection on there from MIDLAND FUNDING which I paid the settlement amount in XX/XX/XXXX. I 'm really upset at the fact that I paid a bill that no one could give me information about. MIDLAND FUNDING is being held accountable for placing this on my report and it does n't reflect that I paid their settlement offer. I tried to do the right thing by contacting XXXX in regards to the debt but no one can answer or find my information. I would like for MIDLAND FUNDING to remove that collection from my report because I do n't believe it was owed and I paid the settlement almost 3 years ago. This is negatively affecting my credit score and can effect my job security. I appreciate any assistance you can provide me. 

RegardsXXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
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: National Credit Adjusters, LLC (FL)

Explained to XXXX through several disputes online and by mail, last sent XX/XX/2022 that many derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099c to recoup any finances. Thus indicating their removal from my profile. Also indicated that neither XXXX nor National Credit Adjust, XXXX XXXX XXXX, and XXXX XXXX  which all identify as charge-off accounts. XXXX was also notified about the fraudulent use of my name in various ways, addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. XXXX has fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life.
Consumer complaint received 2021-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have tried to contact XXXX  and debt collector Porfolio Recovery Associates and the debt is still showing debt and open., other bureaus are not showing this debt. I do not owe this debt and never had it. It needs to be removed immediately! Thank you!
Consumer complaint received 2017-03-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Avant Credit Corporation (FL)

I called in to tell Avant that I was unable to make payments since I am out of work. Though, I wanted to work to lower the interest and continue making payments when I found work. 

However, I called in to ask for help and four times ( on two different cell phones ) their agents hung up on me. They would not assist with lowering my monthly payment until I received another job and instead kept my ACH payment. 

I was forced to place a stop payment on my account to prevent them from over drafting it. Now they call me upwards of five times a day to try to get payment. 

It was already a predatory loan with 36 % interest, but this is getting ridiculous.
Consumer complaint received 2015-05-07
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: ENCORE CAPITAL GROUP INC. (PA)

Harassing and threatening call with court actionsand collection of outrages amount for an acct thathad a {$250.00} balance when it was charged offXXXX or XXXX years ago. They want {$2200.00} withlate fees. By hey call and spoke to my employer andtold them that they were a legal firm trackingone of there employees. I almost lost my jobbecause of their collection tactics