davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
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)

I have 2 accounts on my credit report that have been Re-aged. Experian, XXXX  or XXXX  will not Delete the accounts even though I have submitted previous reports showing account been re-aged.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

The beginning of XX/XX/2022, I received notification from XXXX XXXX regarding an outstanding account with XXXX XXXX XXXX along with payment options to satisfy the {$9400.00} balance. I called and spoke to a representative to request a verification of debt letter. Upon receiving the information, the math was not accurate. I have reached out to XXXX and disputed this account in the past, but was informed the account had been sold to collections and to contact them with any questions. 

XXXX XX/XX/2022, I filed a dispute with XXXX XXXX XXXX XXXX the discrepancy in the amount owed. CFPB dispute number XXXX. Their response regurgitated a lot of known information, however failed to address the error. The end of the response contained a phone number for XXXX XXXX and for me to call with any questions. 
XXXX XXXX, 2022, I called, as per instructed, and was again informed my account had been sold to a collection agency and for me to reach out to them with any questions. 
XXXX XXXX, 2022, I filed a dispute with CFPB ( XXXX ) with XXXX XXXX and submitted the documentation proving the amount owed is not what XXXX is claiming XXXX I added XXXX XXXX in the dispute and they received a copy. XXXX XXXX replied after reviewing the documents submitted, the collection account was sent back to XXXX XXXX. They would cease all collection activity on that account. XXXX has yet to respond to this dispute. 

I have disputed the XXXX account with through the credit reporting agencies and those were closed in favor of the creditor. I was advised to file disputes through CFPB against the CRAs considering the documentation proves my case and the information being reported is inaccurate. In addition, trying to get this resolved with the creditor has proven ineffective as incorrect information was provided to CFPB about calling for assistance, the status of my account, and they have not offered any information regarding the mathematical errors and the amount being reported vs the amount paid on the account, deduction of the amount of sale from car, exaggerated, unexplained fees that contributed to the high amount in collections. I have tried repeatedly to receive clarification on the account however misinformation has left me out of options and with a derogatory negative mark which affects my credit score severely. 

Even without the 23 months of payments made towards the {$14000.00} balance, the vehicle was sold for {$8000.00} added to the amount owed on my craa, the amount exceedes the original plan amount
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX XXXX I was going over my credit report and I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES ACT to help protect the integity of my credit. I was needing my following accounts to refected a current status due to the impact of COVID-19 : XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 

I have addresses showing that do not belong to me. I never lived at these addresses please XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX.
Consumer complaint received 2023-02-08
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: Westcreek Financial (IL)

Dear cfpb, on XX/XX/XXXX I check my credit report and notice that I have a late payment from west creek financial XXXX with the total balance of XXXX. I reached out to the company to receive more information about the account, because the account was open back in XXXX of XXXX. Using my personal Information, koalafi west creek financial XXXX couldn't find an account using my information. they then instructed me to make a report to the police XXXX XXXX  XXXX Illinois, and to reach out to XXXX Credit bureau to report fraud. I am unaware of the actions taken on this account and I would like to report fraud.
Consumer complaint received 2022-02-17
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: Blackrock Mitigation Group LLC (KS)

I applied for a car loan through XXXX. They ran my credit for the same companies several times and now I have so many inquiries on my credit report. There was no reason they should have kept running it through the same company. I called and talked to XXXX about it and they said we were trying to get you qualified. So it doesn't help now because of so many inquiries. Please get these removed
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

We put our house up for a short sale back in XXXX the company SPS requested our financial information. They got another appraisal this was the XXXX. SPS said they wanted {$300000.00}. 
on XXXX XXXX 2016 there as an offer for the total {$300000.00}. Since then SPS has requested our bank statements for every month and got a new appraisal every other month. the last year SPS has gotten at least 7 appraisals. The last Appraisal was for {$260000.00}. The people that put in the full price now after being put off for almost 5 months are giving up SPS has done nothing to get this sold .They say they are still looking it over and it will be at least another month.
Consumer complaint received 2022-04-04
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. (NY)

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXXXXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-07-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion notified me of a fraudulent account set up with XXXX XXXX XXXX XXXX in a version of my name and using my SSN. The letter stated that I had the right to contact the company for more information. According to The Fair Credit Reporting Act I have the right to " obtain documents relating to fraudulent accounts or transactions from a creditor or other business ''. XXXX XXXX XXXX XXXX  refused to provide documentation. Then XXXX XXXX XXXXXXXX XXXX  will not provide the information and states I must provide a XXXX  via an attorney. 

XXXX XXXXXXXX XXXX XXXX IS IN VIOLATION of The Fair Credit Reporting Act. 

Why have The Fair Credit Reporting Act if we do not require companies to abide? 
Why have The Fair Credit Reporting Act if companies, entities, government, including CFPB, only protect the frauds???? 
The Fair Credit Reporting Act appears to mean nothing accept that consumers receive free credit reports. 
The only way to stop all the fraudulent activity in this country is to actually uphold the laws and acts. Start helping victims and stop protecting the frauds!
Consumer complaint received 2022-10-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I am the Person On Death ( beneficiary ) on 3 accounts from my deceased aunt, XXXX XXXX. A mature CD, a checking account, and a savings account. All 3 accounts were sent to the Wells Fargo XXXX XXXX on XXXX. There was no attempt to notify me. I learned of the accounts via the XXXX from the XXXX XXXX California XXXX XXXX department. The State advised me that I need to claim the funds from Wells Fargo by XXXX in order to avoid the funds being turned over to the XXXX. I have been attempting to retrieve my funds from Wells Fargo XXXX XXXX since the beginning of XXXX. 
I have 3 Case Escalation numbers, as follows : # XXXX, # XXXX, # XXXX. I have had no resolution. I have just been told to wait. All phone numbers and emails provided for Wells Fargo XXXX XXXX simply result in opening another claim. 
I started with the employees at my Wells Fargo branch at XXXX XXXX XXXX, XXXX Ca XXXX. I have spoken with Banker XXXX XXXX, Branch Manager XXXX XXXX, Regional VP XXXX XXXX, and am awaiting a call from President XXXX XXXX. All Wells Fargo employees were extremely sympathetic and tried to help. They all expressed embarrassment and their own feelings of frustration in not being able to reach anyone in their own Unclaimed Property department. None of the Wells Fargo employees were able to contact the Wells Fargo XXXX XXXX department. 
At this point Wells Fargo has effectively stolen the funds. They will not return them to me, the clearly designated POD. Nor will the Wells Fargo XXXX XXXX department even communicate with me or any employee at Wells Fargo. 
I have all documents, emails, copies of correspondence and account numbers, and am happy to provide whatever is needed to facilitate my claim. Thank you for your attention to this issue.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

i XXXX XXXX checked my credit report and i noticed some fraudulent an inaccurant accounts on my credit.i then proceeded to reach out to the credit reporting agencies for remedy the situtation but would not help me correct these fraudulent an inaccurant accounts.
Consumer complaint received 2020-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (CT)

This is a follow up to the complaint I filed earlier this year # XXXX. 

I agreed to use this loan company and pay them 12 months AFTER the contractor completed the job he was hired for. As of today ... the work is FAR from complete. I have repeatedly told this finance company that the job is not done and the funds should NOT be released. I have told them this consistently since the beginning of the year ( all on a recorded line ). However ... the financing company has ignored the fact that I've told them the job is not done, and, they have released the funds to the contractor. So ... I want to be clear that the 12 month " interest free '' period will NOT start until the job is done. I just got off the phone with them again today and told them that, but, the person I spoke with, XXXX, said there was noting that could be done. This is an outrage! I suspect they released the funds so they can get their interest. Instead ... they should have listened to me when i told them the work was not done.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

As of today, XXXX XX/XX/2020, I have not receive my XXXX Mortgage payment statement, which includes a payment stub. According to Bank of America own requirements a payment coupon is required for " Crediting of payments ''. I have sent Bank of America over 5 secured messages via while logged into their website over 2 weeks ago and got no response. Calling wait times to Mortgage Dept. have been between 60 to 90 minutes every time I call. Today I get they are working on it. It is also noted that I have never had, paperless billing and confirm that via their website. It is noted that I have listed my phone number as on thier website. 

Attached XXXX document is copy of secure message while logged my Bank of America mortgage account ending in XXXX. They do not allow to send myself a cop.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

I have repeatedly disputed the CONVERGENT OUTSOURCING attempted debt collection of {$310.00} on a XXXX   XXXX  account. This collection is from a XXXX XXXX account that was paid in full upon termination of service. The final bill in the amount of {$160.00} was paid through XXXX XXXX online bill payment via EFT on XX/XX/2018, which was received by XXXX XXXX on XX/XX/2018. This debt is due to a clerical error by XXXX XXXX failing to apply the final payment to the account. The account was then sent to collections with heavily inflated fees which brought the amount to {$310.00}.
Consumer complaint received 2016-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have received a response from SPS they have asked again for updated BPO Hud-1 settlement with buyers name ( XXXX ) bank statements tax return 2015 need second BPO Value, Description, Condition, color Photos, and a minimum of XXXX comparable. 
they had and have all these document 's, what I need is for SPS to read all the above and all the many more document 's that they have asked for complete the review, for the lasts 8 months. 

does is make any sense for me to keep making complaints, to a company to complete my short sale if I were not sending what was ask for to complete it. and why would I not what them to complete it, why would the realtor not provide all the document 's to complete, the purchase for her buyer for over 8 months, should make you wonder what SPS has been doing with all the document 's, if these short sale review was only just started I can see the request for additional document 's still being asked for over 8 months??? 
again I feel SPS I not capable of doing a Short sale by any government standard, and are internality, keeping my property from completing the short sale, CFPB needs to do more then process complaints which is more then SPS can do. 
Thank you
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (TX)

I tried reaching out to this company. They claim I owe a debt. I spoke with the original creditor and explained that I never got any bills, invoices or otherwise delivered to my home or email. I was never called regarding any missed payments. As a result, I have come to a resolution with original creditor. I never owed Collection Bureau of American any funds nor did I have a contractual obligation to this company. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation '' ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. It is illegal for your company to report a status, on my credit report, as paid when the payment was not made directly to your company. I would like the account to be removed.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-19
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. (VA)

N accordance with the fair credit reporting act 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 fumish a account without my written instructions
Consumer complaint received 2020-08-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (TN)

I am being threatened over a XXXX dollar payday loan which I had no idea if the bank had covered it I didnt check the bank because I never received any calls about the check not clearing. I was struggling at the time and honestly as time passed forgot about the loan. Approximately 6 year later I get a call from a pre trial service saying I commented fraud by closing my account which is not true. The bank closed my account because I could not get it out of the negative. Lady threatening me is not professional and when I asked for address she kept asking me for case number which she already had because she called me by my name. When I confronted her she hung on me and I never got the address because she refused to give it to me. Last week when I talked to her she told me I had a court date for XX/XX/XXXX which was following day but since I had not received the papers it would be rescheduled. Today when I told her I called my local court house and they had nothing to serve me she said its because it hadnt been filed which was a lie obviously. The company was check n go where I got the loan but this is the number I was called from XXXX. They even told my job I committed fraud which isnt true but not professional or very confidential
Consumer complaint received 2022-10-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

1. I can not get a hold of my loan provider : Navient.

I have called them numerous times and either - get hung up on - get disconnected - or when I think I am about to speak to someone - I get transferred to an automated system asking me a survey of how my experience was, BUT... I did not talk to anyone.

2. I believe I may be eligible to receive payment or refund from Navient as there is a settlement against them and my loan is one of which identifies with the settlement I have an FFELP loan which was managed by Sallie Mae and then transferred to Navient.

My loan has been in - Forbearance ( which the settlement is related to ) - Deferment for several years 3. I do not know who to contact or get in touch with as I may be owed money by Navient. 
I can not get in touch with Navient
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On the XXXX of XXXX, I sent them a letter to validate unknown and incorrect information on my credit report and have not given any feedback after 30 days. I sent another letter on the XXXX of XXXX complaining that I have not received anything and up to this date they still haven't responded to any of my disputes. Under the FCRA, they have to respond to my disputes within 60 days or they have to remove those items from my report.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

XXXX XXXX Wells Fargo dealer services account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online
Consumer complaint received 2022-08-11
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)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXX ), account # XXXX ( XXXX XXXX XXXX ), account # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), account # XXXX ( XXXX ) and account # XXXX ( XXXX ) has violated my rights. 

15 U.S.C. 1681 sec. 602A states I have the right to privacy.

15 U.S.C. 1681 sec. 602A sec 2 it also states a consumer reporting agency can not furnish an account without written instructions.