davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY (TX)

I have been requesting to have Wells Fargo Auto to provide all documents regarding a loan in my name which I am not familiar with. They stated that the vehicle was purchased but I have not received any documents supporting the purchase of said vehicle. I was also mailed a letter stating that after the repossession and sale the remainder loan amount was forgiven. I never received any documents regarding the sale, but was informed that it would be removed from my credit report.
Consumer complaint received 2015-08-10
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (DC)

XX/XX/XXXX I attempted to open an " American Express for XXXX '' prepaid card. During the initial opening, the address on my drivers license differs from my current address. The verification process failed and the card was closed. Unfortunately, I loaded the card with {$500.00} dollars during the initial sign up. To complicate matters, I used XXXX different credit cards to load this {$500.00} dollars, of which only XXXX is currently active. I have called and spoke with customer service XXXX a XXXX times since XX/XX/XXXX and have spent hours on the phone attempting to resolve. Each time I have been told I will receive a refund to the credit card still active. I have yet to receive any funds. American Express has held my {$500.00} dollar 6 months and I am beginning to feel as if I will never receive a refund.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In early XXXX, I noticed some strange transactions on my account from XXXX XXXX ID # XXXX for {$100.00} each month, sometimes twice for the month and sometimes for a lesser amount which I notified the bank and they opened an investigation. However, after some time, the bank closed the investigation without taking any action to resolve the matter, which left my account exposed to criminals as they continued to violate my account with the bank 's permission. I made many attempts to fix the issue with no success. However, sometime in XXXX, I called the bank and I was told that it would be best for me to go to a local branch, and I set the appointment. On the day of my appointment, a gentleman asked me the reason for my visit to which I told him and he invited me into his office I gave him a copy with the name and phone # of the so-called merchant company, which he took. However, instead of looking into my account, he called the so-called merchant company who told him that we authorized the transactions, which we did not. However, my bank took the words of the so-called merchant and told me to work it out with them. Furthermore, he did nothing, not even look at my account, which left my account exposed to the criminals to continue stealing from me with Bank of America 's permission. But, he did advise me to call the so-called merchant but he had other appointments ... I was not pleased and called the bank and spoke with a lady who put some kind of freeze on my account and also sent a form : Unauthorized ACH Corporate Return Form for me to submit, which I did and still waiting for a resolution to date.
Consumer complaint received 2015-09-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with ARS 33-1361. Pursuant to ARS 33-1321 XXXX d ), the XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX ANY monies, as rent was paid current through our tenancy. XXXX accepted return of possession of the unit on XXXX XXXX, 2015.
Consumer complaint received 2022-02-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OR)

XXXX-Phone call received from # XXXX. It went to voice-mail. I listened and verbiage was odd. I have a visual vm image I'll attach with verbiage. 

Before I got the chance to call back, I had 2 family members call me saying they had been called. The person told them I'd be getting served from XXXX XXXX. Basically the same information that was left on my voice-mail. 

I called back and asked for the name of the agency and what debt they were collecting on. I then asked why I hadn't received any written correspondence when I asked for it the last time ( years ago ). I requested they mail me validation of debt owed so that I knew I was paying a legitimate debt and to the proper creditors. She said they would not and that she would note that I was not cooperating and have me served legal documents through XXXX XXXX. Then hung up the phone. 

I then called the original account holder who gave me a # to the collection agency they had on file, they had sold my account to another company. I then called them and they had sold it too. I'm now waiting on a call back from the 3rd buyer. 

I called back to XXXX and again requested that I be mailed validation, to which I was told they sent a letter " about 5 minutes ago to my email ''. The tone of the agent was condescending and threatening. When I respond that I want to make sure that I'm not being scammed I'm told to stop yelling. I explained again my frustration as I told her these hoops I went through before calling them back. I again requested it to be mailed to which I was told no. I asked for mailing information and companies business license number. I was met with more of an attitude. I was finally given a po box , another refusal of license information and hung up on. Not to mention I got a different business name every time I called.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My middle initial incorrectly shows up on the credit reports as " XXXX XXXX XXXX '' when my middle initial has always been " XXXX XXXX XXXX. I have never changed my name, my name has always been XXXX XXXX XXXX from birth. Please remove the " XXXX '' from my report. 

Also the list of addresses I have lived as is incorrect. I have never lived at the XXXX XXXX residence in XXXX. The only XXXX addresses I have lived at are the XXXX XXXX residence in XXXX and the XXXX XXXX residence in XXXX which has been my home since 2008. Please remove the XXXX XXXX residence.
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The same debt is and has been reporting twice on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting twice and is in violation of the FCRA.
Consumer complaint received 2024-04-14
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: National Credit Systems,Inc. (FL)

( See Attached ) I have reached out to this company numerous times over the course of the past 2 months to remove this accurate account from my credit file to no avail. 

This company has sent out numerous stall tactics to avoid a proper investigation on the matter, despite me sending the information they have requested.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland funding LLC at XXXX XXXX XXXX XXXX XXXX, CA XXXX has been being reporting incorrect information on my credit reports in the amount of {$600.00}. I do not know this company. I have never done business with company. This company does not have a contact with my signature.
Consumer complaint received 2022-02-08
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. (MD)

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 2016-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have several inquiries on my credit report that do not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (NC)

XX/XX/year> Re : Notice of Breach of XX/XX/XXXX, XXXX XXXX XXXX XXXX. XXXX To Whom It May Concern, I am writing to formally address an issue regarding the breach of contract by your firm, specifically related to the deactivation of the payment portal initially agreed upon for settling the account associated with XXXX XXXX XXXX XXXX 

Upon failing to access the designated payment tool at https : //www.rauschsturmpay.com/, I contacted Rausch Sturm, LLP via telephone at ( XXXX ) XXXX and spoke with XXXX XXXX XXXX on XX/XX/year>. During our conversation, XXXX XXXX informed me that your firm no longer represents XXXX XXXX XXXX XXXX XXXX, and confirmed that access to the payment portal has been terminated. 

This abrupt termination of access to the payment facility without prior notification is unprofessional and suggestive of a desire to unilaterally alter or end our agreed settlement terms. In my legal assessment, such actions are construed as a tacit agreement to discharge the remaining debt. As a reminder, I have attached copies of the settlement offer and the corresponding contract, as well as details of payments made to date under the agreed terms : Check XXXX payable to XXXX XXXX XXXX, XXXX {$320.00} XX/XX/year> Check XXXX payable to XXXX XXXX XXXX, XXXX {$320.00} XX/XX/year> Check XXXX payable to XXXX XXXX XXXX, XXXX {$320.00} XX/XX/year> I respectfully request confirmation of the debt discharge. Your prompt response will be appreciated to ensure clarity and resolution. Thank you for addressing this matter. 

Sincerely, XXXX XXXX, XXXX.
Consumer complaint received 2022-02-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to Experian last XX/XX/2021 and until now I didn't received any response, it is over XXXX days so now this is a violation of XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) Failure to send results of reinvestigation in writing within XXXX business days by mail.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My XXXX complaint is regarding the information reported on my credit report. In 2009 I received medical treatment at a hospital. The hospital failed to update my home address and never sent a bill to me. The original dispute is regarding not receiving a statement. Once I discovered this on my credit report I immediately contacted the hospital. They told me that by paying the balance they would remove it from my credit report. The company XXXX XXXX XXXX. has never removed it from my credit report. I filed a dispute with Transunion. I have XXXX complaints regarding my dispute. The XXXX complaint it required me to sign up to file a complaint because I needed a report number. You can not get a report number unless you have your credit report which is a monthly membership. I cancelled the membership after filing the complaint and then they still charged me for it. I believe this is deceptive. My XXXX complaint is they do not have enough space to explain the dispute. There response was simply verified. They did not speak to me or verify anything as I could not explain to them what happened. I had very good insurance at the time that typically paid all of my medical bills. The difference they claim never was sent to me. They also never contacted me and the doctor had my cell phone number along with the office. No one calls me but reports it on my credit. Then Transunion does nothing.
Consumer complaint received 2023-03-19
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

According to 15 USC 1681 Citizens Home Loan has violated my federally protected rights to privacy and confidentiality. 
15 USC 1681 602 ( a ) ( 4 ) states I have a right to privacy. 15 USC 1681 604 ( a ) ( 2 ) states consumer report
ing agency can not furnish an account without written instruction.

15 USC 1681 605 ( a ) ( 5 ) states any adverse items of information, other than records of convictions of crimes which antedates the report by 7 years.

15 USC 1681 623 ( a ) ( 1 ) ( A ) and ( B ) Duty of furnishes of information to Provide Accurate information. 
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, and can not continue to report after notice and confirmations of errors. 
15 USC 1681 603 ( 2 ) ( I ) states consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2016-06-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (OR)

My company closed last year with the last day of health coverage XXXX/XXXX/XXXX. I had received a letter from XXXX XXXX/XXXX/XXXX after calling them about terminating my insurance, stating that the insurance would be terminated for non-payment on XXXX/XXXX/XXXX., Since I was starting my new job XXXX/XXXX/XXXX I continued to have health insurance. I then received a call from collection agency in XXXX XXXX for money for XXXX and XXXX XXXX installments. They also stated they needed proof of coverage. I immediately sent them proof of coverage and the information regarding the termination of coverage. I continued to receive phone calls stating they either had n't received the proof of coverage or they could n't read it. I continued to re-send it. After 5 months of calls I was told by XXXX from RMS that if I paid {$100.00}, sent another copy of the confirmation of coverage to the address she provided this would close the account. I did this XXXX/XXXX/XXXX. I was then called in XXXX XXXX stating they never received my check. I then sent a copy of the cashed check. I requested confirmation that the matter had been closed. Instead I was told they were going to send the check back to me, which I have never received. In XXXX I received a letter stating that they had not received my proof of coverage or payment. This has now been ongoing for almost a year. I have done everything asked of me, but yet I get continued requests for the same information over and over. They now want more money, and I have never received " the check they sent back to me ''. I would like to have this matter closed. The insurance was already cancelled XXXX XXXX, XXXX. I was told be an XXXX representative that to terminate the insurance all I had to do was not pay it. this is also confirmed by the policy book. I had coverage starting XXXX XXXX, XXXX from my new employer. I would welcome any assistance you can provide.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section XXXX -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per XXXX XXXX  XXXX prior to accounts being on my credit report, within XXXX days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX ( XXXX ) adding additional amounts.
Consumer complaint received 2021-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these account or if this account even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I do n't believe I had this account with bank of america in 2014 as recorded on my record for account abuse with a charge off of XXXX dollars. Would like to see prove of this account. I have never been to Missouri to any bank
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

OCWEN Loan Servicing took over my mortgage and the interest rate on XXXX house is 10 % and interest on the other house is 7.9 % I asked, called and wrote a letter asking them to lower interest rate. They will not do it. I do not qualify for a loan re-financing because I am unemployed and poverty level. I do have school loans which are also considered for the rejection of the re-financing.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

I have filed several Qualified Written Requests and RESPA disputes with the XXXX major credit bureaus and with the original lender. When this loan was transffered to Ocwen, they were reporting an incorrect payment history and claiming that I owe late fees ( I was never late ). Now when I make a payment, they are still reporting me late every month to the XXXX credit bureaus, but I am not late. They want XXXX in late fees, which is robbery. I am trying to refinance my home and I can not get financed because of these inaccurate late payments reporting. When I call Ocwen, they can not help me out and tell me to file a dispute, when I file a dispute, they do not respond in the proper time frame. They are making it impossible for me to refinance to another company.
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

I do not understand what or why I 've been filed with the following agency. I tried contacting them but I have to call during working hours Monday thru Friday. I ca n't because I 'm at work during those hours. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *this number is wrong. The correct number is XXXX.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX XXXXXXXX {$790.00} XXXX  XXXX {$0.00}
Consumer complaint received 2016-09-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Service, Inc. (CA)

XXXX XXXX account I have never owned. I wrote to them to request all records but they have returned nothing to me. 
12 years ago I had an account with XXXX XXXX but that was closed. Nothing owed. 
Could this be another fake XXXX XXXX account - at a different level? The debt collection company name is : ARA Inc., XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect XXXX XXXX XXXX account number XXXX. ARA file # XXXX {$1500.00}
Consumer complaint received 2015-08-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

We are in a balloon mortgage payment and did not know about it. We thought we were in a 15 year mortgage. We were just notified in XXXX that the balloon had to be paid off. They told us we had to pay {$30000.00} by the end of XXXX, 2015, but now they asking us for {$8400.00} by the end of XXXX.
Consumer complaint received 2015-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC (FL)

Trans world systems collection agency called my place of employment and asked for my name. They ask me if I was the person the were looking for and presented me with an unknown date of birth and social security number. When I told them that I was not that person, they ask for HR. 

I told them to stop calling.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has reinstereted a prior blocked FACTA ACT fraud account on my credit report causing massive irreprerebalw harm. They sent no notification of resinserion as required by law what 's more the account was blocked nearly a year ago after supplying them With inordinate amounts of proof the account was fraudulent! They miss remove the rand brooks account