davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (TN)

My loan was suppose to stay in deferment until I graduated from my current program and then payments were suppose to start six months after graduation. I completed my program XX/XX/2016. on XXXX XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Wells Fargo stating that my XXXX loan is now in default and is due in full immediately. When I called them they told me that there was no way they could reverse anything and they would like me to allow them access to my checking account so that they can charge me {$310.00} a month on automatic withdraws. If I had known that the loan payments were required I could have made arrangements to pay them without the account going into default and now my options are limited. As a new graduate I am still trying to make my way and earn funds necessary to pay off the loans I have.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed a judgement on my Transunion credit report for a judgement for XXXX XXXX. I provided them with a copy of the judgement that shows the judgement was rendered on another person 's name, not mine. Despite the fact that i provided proof that my name was not on the account, Transunion still replied and stated that the account was mine.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have been disputing this issue with XXXX since XXXX. I have had a mortgage on my home since XXXX. SPS ( Select Portfolio Servicing ) is my current mortgage holder and has been for the last several years. For some reason in XXXX, XXXX deleted SPS off of my credit report. SPS was finally added back on this year, but a few weeks later I received a message from my credit monitoring company that it had been deleted again. This is my third complaint to CFPB. Im not sure what your purpose is at this point. I have checked with SPS and they assured me that they are reporting to XXXX every month. XXXX XXXX XXXX has it right, but for some reason XXXX can not get it right. This is damaging my credit score as it is lowering my credit age and my credit mix is not accurate. Also, this mortgage has never been late so I want the benefit of all my on time payments for the almost 15 years. I have sent XXXX  a total of 5 letters and they still have not address why they are not reporting my mortgage. At this point I am ready to hire an attorney because the level of incompetence is ridiculous. There are several other items that are incorrect on my credit report but I need XXXX to fix this one first. I am attaching my XX/XX/XXXX statement from SPS as proof that I have a mortgage.
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (OH)

I have received several calls in the past XXXX weeks from a debt collection company call Diversified Consultants Inc. XXXX XXXX. I was contacted concerning a {$340.00} debt in XX/XX/XXXX with XXXX. I was told that the debt was given to Diversified Consultants Inc. by XXXX ( another debt collections agency ) on XX/XX/XXXX. I was also told " XXXX did n't have a phone number to XXXX but I can XXXX them ''. XXXX of the people I talked with at Diversified Consultant XXXX was XXXX. XXXX demanded that I either " pay my debt or dispute it ''. I explained several times to XXXX that I already disputed the bill and it was removed from my credit a few years ago because in XX/XX/XXXX XXXX was charging their bills in advance without notifying us as customers. I requested that I be transferred XXXX to ensure this wo n't be an issues going forward since its been 11 years but, was refused my request. I did google XXXX and found their phone number XXXX. I talked to an operator who then transferred me to someone in " consumer credit '' named XXXX. XXXX did n't know how to help me either and ended transferring me back to Diversified without any solution to my concern.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
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. (TX)

Opened : XX/XX/2020 Amount : {$470.00} 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 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. (MO)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : 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 XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : 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 XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Trans union is reporting XXXX has an open account with a balance of {$9100.00}. This is incorrect. This debt was discharged in bankruptcy XXXX XXXX, 2015. They do correctly show the bankruptcy but the account is closed with a zero balance.
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

I had a very trying experience with Greentree and submitted a detailed complaint over a year ago ( # XXXX ). The company forced a flood policy on my account and charged me for it even though they had all the proof that my HOA held a flood policy. This forced policy made my payments erroneously inflated, which in turn made Greentree continue to call me for payments. I tried continuously for months to correct the problem and provided statements from my bank - who was making payments on my behalf. Finally, after the name change to Ditech, this company acknowledged their error and sent a refund along with a letter stating that late charges had been removed. I thought it was resolved until recently when I realized that they had reported me to the credit bureaus as a late payer! Now my stellar credit is ruined, and the score does not reflect the fact that I have always had an excellent score ( over XXXX ).
Consumer complaint received 2022-02-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (OR)

I got a phone call from XXXX out of XXXX, CA. I used to live in XXXX CA and XXXX is XXXX minutes away. I moved to XXXX XXXX, XXXX in XXXX of XXXX and have been living here since. I recieved their first call on XX/XX/XXXX at XXXX I picked up the phone no answer, they hung up on me. I got a 2nd call at XXXX same day. I picked up and said hello repeatedly before a man with a XXXX accent started talking to me saying he was contacting me from Credence Resource Management. I asked what this was regarding and he asked if i was the parent of XXXX  or XXXX XXXX, whom is my XXXX year old son. I said yes, I am, what is this regarding. He continued to say we need to verify his date of birth. I said, i dont even know who you are and your calling me out of the blue to verify my sons birthday, what is this regarding? He proceeded to say that its regarding an Ambulance ride. I said, that happened a while back ago and this is the 1st time im hearing of this. What is this really regarding? He didnt state why he just kept asking for my sons birthdate. I said, NO, I have no idea who you are and nor do i trust you with so many scam phone calls happening today, if this is something really important send me a letter and I hung up. Upon researching the name of the company, it appears to be a legitimate colletion agency from Texas, but I should have any debt because no one has ever tried to collect from me for an amblulance ride when i had health insurance. I think some scammer is using the companies name as a cover and somehow found out that I had an ambulance ride with my son XXXX some time ago and trying to extort me for money.
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Commonwealth Financial Systems, Inc. (TN)

Hi, I have noticed on my credit score report that I have a debt under collections from a COMMONWealth Financial Systems. I have tried to contact the organization in regards to my bill that was first charged for {$170.00}. However, after seeing my credit score report it says I own {$510.00} and I have not received any letter saying why am I being charge for, who is the provider, and why I have not received any letter notification. After speaking with several representatives at Commonweath Financial System, I have been treated very rudely, unprofessional, discriminatory ( due to my english being 2nd language/the debt collector was correcting my grammar in offensive way etc. ). I have tried to understand why am I being charge the amount, and why the amount has changed. The reply from the debt collector named Mr. XXXX said : " it is a XXXX bill, you can pay me {$350.00} and we will settle with that ''. Constantly, ignoring my questions and ignoring to further explain what is going on. I asked Mr. XXXX : " This means you are requesting my credit card number right now, with all my personal information without giving me any explanation or written form? ", Mr. XXXX, replied " Yes ''. I am afraid and confused on what is going on, yet I can not get any explanation. 
If this bill proves to be mine and accurate, I will do the best of my ability to take care of it. Please, provide me with an advice, suggestion, anything that can help remove this confusion. 
Thank you very much!
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 status incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

This account is passed the statute of limitiations in California. I have requested this account closed and removed from my account. I have contacted the Creditor in the contact info provided by reporting credit bureaus. And I never receive a response.
Consumer complaint received 2023-03-29
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. (GA)

While I was XXXX  some one applied for multiple things in my name using the address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX are the last items left as well as the address XXXX  is reporting inaccurate information to XXXX, they removed it and then it came back, XXXX XXXX is report inaccurate information to TransUnion. The accounts was open fraudulently I have provided all the infomation needed, police report, identity, l theft report, drivers license, birth certificate etc I would like these accounts and address removed from my file
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Trans Union keeps reporting over balance on my XXXX XXXX account, it was taken off and know back again, my accounts are not over drawn. My report keeps dropping, I had a XXXX, I 'm getting very upset. I also have other supporting documents. This is the second time this has happened.
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (MA)

I have been dealing with my mortgage company, XXXX XXXX since they bought my mortgage in XX/XX/XXXX. They are supposed to take care of my property taxes. My property taxes are $ XXXX/year after residential exemption. However, they keep charging me {$2700.00} per year. I have contacted them via phone and FAX to ask them to reduce property tax withdrawals from my account to their escrow account, however, they simply ignore my request. Right now, I have {$1800.00} in my escrow even though I do n't owe any taxes for XX/XX/XXXX! And, XXXX XXXX ignores my request to return this money to me.
Consumer complaint received 2020-10-19
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: EQUIFAX, INC. (AL)

In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX - XXXX XXXX XXXX DISPUTES THIS ACCOUNT INFORMATION XX/XX/XXXX {$550.00} OPEN ACCOUNT {$550.00} COLLECTION ACCOUNT XX/XX/XXXX {$550.00} This account should be closed not opened because they charged an overcharge for am agreement not legally appropriate since I never signed to extend my offer.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I properly disputed an unrecorded lien on my credit report to no avail. There is no recorded lien or released lien # XXXX from this Court for this date for this amount. I have documentation from XXXX County Recorder of Deeds that supports my dispute of this erroneous entry on my report.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Early Warning Services, LLC (CA)

To whom this may concern, This is a follow up to my previous letter sent on XX/XX/2016 that has not received a response. 

I have become suspicious that there is incorrect and outdating information on my Early Warning Services file as a result of identity theft. 

Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a US bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. 

I have attached the necessary information to verify my identity. 

Sincerely Yours, XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

Someone fraudulently opened up a Wells Fargo checking account under my name ( XX/XX/XXXX ). I immediately called Wells Fargo when I received a debit card from them out-of-the-blue in the mail. I told them I had never opened up a Wells Fargo checking account and they said they would report the fraud and close the account. The case number Wells Fargo provided to me was XXXX or XXXX ( there are two numbers ). I immediately put a freeze on my credit reports with all three credit agencies and ordered a report from XXXX as well. In XX/XX/XXXX, I received the XX/XX/XXXX bank statement from Wells Fargo. I called again and they assured me the checking account was closed. Today, XX/XX/XXXX, I received the XX/XX/XXXX bank statement, so they obviously have done nothing to close this bank account XXXX. We believe that Wells Fargo is acting fraudulently in keeping this account open so that their " open accounts number '' is inflated and thus their business looks better than it really is.
Consumer complaint received 2016-05-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (IL)

I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

This company has horrible customer service. They tell me something different every time I call. They say they will call back and I never hear back from them. They say they will send me documents in the mail and they never come. At the present time I am trying to settle a matter of mortgage insurance ( PMI ). I called in mid XXXX to ask them to schedule an appraisal of our home to get rid of PMI. They said it would be a 2 to 3 week process. They scheduled the appraisal, which was done on XXXX XXXX, and then we heard nothing from them. I called in XXXX and was told that they had no idea what was going on with it. I called again a week later and they said it appraised for enough to get rid of PMI but it still needed a manager approval. I waited another 10 days before calling again. Still no manager approval. My bill for XXXX still had PMI required as payment ( {$200.00} ). I talked to them over the phone and asked what would happen if I paid the payment with mortgage insurance still included in my payment. They told me I would get it refunded to me ( {$200.00} ). Next thing I know, they sent me a check for only {$20.00} and said that was all I was eligible to be refunded. Currently I am waiting to hear back from them on this matter. I spent 2 hours on the phone with them 2 days ago, being transferred from one person to another who had no idea what to do. They finally said someone would call me back. No one has called me back and it has been over 48 hours.
Consumer complaint received 2017-02-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

hello, my problem is that in XXXX, XXXX bank, which is now bank of America gave me a home equity line of credit of {$300000.00}, when my yearly salary was under {$60000.00}. and then in XXXX XXXX bank gave me another {$120000.00}. I believe they should of calculated my ability to pay better than they did. now 13 years later, and XXXX tears of age, I still owe {$420000.00}. with a yearly salary of {$52000.00}. with the interest rates going higher I 'm finding it extremely difficult to meet my obligation of paying these mortgages. I 'm afraid foreclosure is inevitable.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to contact the companies explaining the situation, I also sent in a copy of my id, so they could see my identity, but they refuse to remove & told me I needed to make a police report for identity theft, but a police officer told me I could n't make a report because it was over XXXX years ago