davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Global Payments Check Services, Inc. (LA)

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 CONTACTING ME IMMEDIATELY!
Consumer complaint received 2016-09-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

I received a check from the CFPB Civil Penalty fund for CFPB V. Green Tree Servicing. ( Tracking # XXXX ). I read the letter and the case. I understand that {$18.00} XXXX was paid into the CFPB Civil Penalty Fund from which I was paid from. The case states there was also a payment from Green Tree of {$30.00} XXXX for violations regarding in process loan modifications. I would like to submit a claim for the repayment of the offense from this {$30.00} XXXX account. How do I go about submitting a claim to be compensated from this fund?
Consumer complaint received 2024-02-13
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 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 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
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2015-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MA)

ERC, XXXX XXXX XXXX, XXXX, XXXX is trying to collect a debt never owed, claiming it was to XXXX. My XXXX account is paid in full and has been. The account numbers do not match, but they threaten to assume it is a valid debt if I do not contact them in 30 days. They are scamming me and I want it stopped, I also do not want my credit impaired by them, and I would like full charges pressed against this company.
Consumer complaint received 2015-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Commonwealth Financial Systems, Inc. (TX)

When I phoned back the XXXX number on the collection call, the person was abusively rude. I told him the person he was looking for has n't worked here in years and to take my number off, and that I thought it was illegal to disturb business with his call, he said that " he knows his business '' and " what are you gon na do? what are you gon na do? what are you gon na do? '' and repeated it in an aggressive manner many times. I finally interrupted and said, " report you right now '' and hung up. The company was Commonwealth Financial XXXX at XXXX.
Consumer complaint received 2016-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (TX)

I was a victim of identity theft and when I saw a collection from National Credit Systems it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. I sent this to National Credit Systems on XXXX/XXXX/16. It 's been over 30 days and no response. What do I do? This is affecting my health and is stressing me out. XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (VA)

Received fraudulent surprise debt collection having never received any bill. When sent a letter disputing and requesting verification, all that was received upon XXXX signed receipt of dispute, was an invalid resolved summons ( with a different amount no less ) and no bill or proof of anything.
Consumer complaint received 2023-03-17
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 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 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
Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

Unauthorized transactions XXXX Claim amount XXXX $ XXXX I submitted my dispute on XXXX XX/XX/2020 my original dispute was declined by my financial institution stating that the transactions were deemed valid however I was in jail at the time that the transactions took place And I submitted a rebuttal to the company on XX/XX/2020 after the previous 45 day investigation and submitted proof of incarceration. 
As of today XX/XX/2020 it has been 55 days since I submitted my rebuttal they are only allotted 45 days to gather a resolution, I have called and submitted numerous support request through their mobile application asking them to give me updates on this claim since they are over there alotted time frame, No one ever gets back to me its been weeks I feel like I am just sticking my feet in the mud not getting anywhere in the meantime I am out XXXX and some odd dollars for some transactions that I did not make that I did not authorize and they refuse to give me my money back. Or even get back to me and let me know whats going on no one calls me they have my phone number they have my email address this is really unprofessional and I feel like Im at the point where Im going to have to go to the courthouse and file a suit against them
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (LA)

I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.
Consumer complaint received 2016-08-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has refused to consider my application for a loan modification submitted on XXXX/XXXX/XXXX, Wells Fargo has also refused to give me a reason why. My pending application submitted in XXXX XXXX has gone without an answer. I am facing foreclosure on the XXXX of XXXX XXXX. My Notice of Default which was recorded in XXXX XXXX with the Trustee being XXXX XXXX XXXX XXXX however, in XXXX XXXX a Notice of Trustee Sale was filed. In XXXX XXXX, a Notice of Trustee Sale was filed by XXXX XXXX XXXX XXXX, however, no substitution of Trustee was recorded for these XXXX different companies.a Notice of Trustee Sale was recorded on XXXX XXXX by XXXX, still no substitution has been recorded. On XXXX XXXX, XXXX a Notice of Trustee Sale was recorded by XXXX XXXX XXXX with a Foreclosure Sale Date of XXXX XXXX, XXXX, a substitution of trustee was recorded on XXXX XXXX, XXXX, Substitution out XXXX XXXX XXXX a California Corporation and Wachovia Mortgage XXXX it 's successors, however, XXXX XXXX XXXX XXXX and then XXXX XXXX XXXX proceeded has Trustee. Wells Fargo Bank attorney in fact executed the Substitution of Trustee which is very suspicious.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to express my frustration and disappointment with the lack of progress in resolving the inaccuracies on my credit report. Despite my multiple attempts to dispute the errors and provide supporting documentation, the issues persist. 

I initially had high hopes for the Consumer Financial Protection Bureau 's ( CFPB ) role in protecting consumers like myself from inaccurate, unfair, and biased reporting practices of large credit bureaus. However, my experiences have shown that these errors continue to plague my credit report, and I remain unsatisfied with the outcome. 

XXXX. Inconsistent information - The credit bureaus have provided conflicting information regarding the same accounts. This inconsistency raises questions about the reliability of the information and the process used to verify its accuracy. 

XXXX. Lack of correction - Despite my efforts to dispute these errors, the corrected information still reflects inaccurately on my credit report. The revisions made by the credit bureaus have not addressed the root causes of the problem, leaving me with incorrect information that continues to impact my XXXX XXXX. 

XXXX. Personal information discrepancies - My personal information, including my name, address, and date of birth, appears incorrectly on some credit reports. This raises serious concerns about data management practices and the potential for identity theft. 

XXXX. Multiple attempts - This is my third attempt to request reinvestigation, and each time, the result has been the same - inconclusive and inadequate. The fact that different credit bureaus have different information further underscores the need for greater scrutiny and accountability in the credit reporting industry. 

In light of these issues, I urge the CFPB to take a closer look at the practices of these credit bureaus and hold them accountable for the inaccuracies on my credit report.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 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 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
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

XXXX XXXX XXXX and Green Tree Servicing LLC have not been applying my mortgage payment to my loan for the last XXXX months. As of XX/XX/XXXX. They are also saying I 'm XXXX months behind on my loan. They are also adding another month to my mortgage balance. This is a total of XXXX months they are not giving me credit for. My mortgage balance should be less than XXXX dollars. Yet they are saying my mortgage is over XXXX XXXX dollars. I made the same compliant to XXXX and Green Tree servicing LLC in XX/XX/XXXX, that they had added six months to the back of my loan. They are still doing the same thing in a different way. XXXX and Green Tree Servicing LLC are also adding illegal late charges to my mortgage account.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Bad Customer Service and Withholding of funds due to the mistake in calculations and inexperienced representative ( s ). 
On XX/XX/2017 I provided Proof of HO Insurance to the USAA representative. Same date I was advised that my escrow wil be recalculated and that the check with the amount to pay for the insurance will be sent to the Insurance company. Immediately I contacted the rep and advised that I already paid the full amount for the insurance. Representative advised that the check was issued and they can not stop it and that I will need to get in touch with the insurance company to get my money back. This doubled my mortgage payment and took 60 days and still i have not received anything back. 
I have been in contact with USAA representatives ( at least XXXX different reps ) since XXXX. Every single time i am told that the conversation was recorded and the records to my account were updated to recalculate amount and that i will receive information within 2 weeks. But every single time i called /wrote back, new representative asked the same set of questions and advised that this should be taken care of and will take another 2 week. I also have a string of e-mails reflecting the same. Escrow amount had to be recalculated 4 times because they kept making the same mistake. Once finally amount was recalculated and they figured out what they need to disburse back, the check never came. I was advised that it was issued on XX/XX/2017, but when i reached back on XX/XX/2017 i was advised that they can stop payment on that check and re-issue new one. I font believe that that check was ever sent. Again, the rep. advised it will take -3 business days to cut that check and another day for delivery. It has been over 60 days and no one even bothered to make sure it is prioritized.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company is reporting incorrect information on my credit report and when I attempted to contact them USPS said that the address was undeliverable. The credit reporting agency told me to contact the furnisher and the address on my report is incorrect as well as the information they are reporting.
Consumer complaint received 2023-03-17
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. (WI)

After reviewing my credit report I inform you that I am NOT responsible for listed accounts as I have been a victim of Identity theft. 

I have already notified both my local police department and the federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please delete the following accounts from my credit report immediately! 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX ( Agent/Beneficiary ) Without Prejudice, All natural Inalienable Rights Reserved
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CO)

I have a physically tampered US Bank Prepaid Visa Gift Card bought from a grocery store that was fraudulently drained of almost all of it's funds. I reported it immediately as tampered and fraudulently used. I have sent in the required documents of proof of ownership. I have not received a response in the promised time so I am attaching my documents to be reviewed and sent to the appropriate department.
Consumer complaint received 2017-02-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

They call me twice a day everyday of the week. I have told them do not call me and send letters to me in postal mail. They have demanded me to give them a debit card info. And or credit card over phone to pay a payment. I told them no I will not give any info. Over phone. They refuse to send me anything in mail. They are harassing me everyday.