davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

i have filed a dispute as well as proved the XXXX XXXX report to all 3 bureau 's as that was all 3 buerau 's method of verification and they have failed to contact me back or remove it, i have proof all 3 bureaus received the information as it was all sent certified and i have enclosed the tracking as well as the address provided on the bureaus per their websites and when i called all 3.
Consumer complaint received 2022-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (MI)

XXXX practices predatory lending practices and charges Usurious Interest Rates ( 446 % ) in the State of Michigan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Cell : XXXX
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Debt collection for an old credit card debt, portfolio recovery associates has been harassing me with phone calls. I explained to them over a year ago I was very sick and was not working. I told them not to call me. Every time they call me I tell them I have repeatedly told them to not call me. They start yelling at me so I usually yell first now, tell them I have told them not to call me and I hang up. Sometimes they call up to 3 times in one day. Most of the time I ignore unknown phone numbers because of this one company, but recently I missed an important call because I didnt answer. I just want this company to stop calling me daily and harassing me. They can communicate with me via US mail if they wish.
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX XXXX, XXXX, my rent check for XXXX was mailed. On XXXX XXXX, XXXX, the " Pay to the Order of '' on the XXXX rent check was altered and cashed at a XXXX Bank. On around XXXX XXXX, XXXX, I filed a fraud claim with Chase Bank. Chase Bank said I would receive a refund in a few days. It has been 33 days and my refund still has not been issued. After contacting Chase Bank again, I was told by a supervisor that it could take 90+ days to receive my refund. When I asked to clarify how long the " + '' could be I was not given an answer. 

Chase Bank Contacted XXXX Bank on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX XXXX Bank has not responded to Chase Bank and Chase Bank has made no effort to follow up with their claim to XXXX Bank.
Consumer complaint received 2016-03-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have been repeated called by Portfolio Associates after changing my number XXXX times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. Thank You
Consumer complaint received 2015-03-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

My previous Mortgage Servicer sold my loan to Carrington Mortgage Servicing in XXXX 2013.Prior to the transfer, an Escrow Analysis Report was completed and my payment lowered as a result.A few months after the loan transfer was complete i received a new Escrow Analysis that was completely different from what i had been given by my previous servicer.Carrington Mortgage Services or CMS stated i had an Escrow shortage, and as a result my payments would go up.I immediately knew something was not right, but after reading and hearing how poorly this company was rated in customer complaints/reviews, i decided to send in the entire shortage amount to keep my payment from going up.I called CMS service number and was u nable to reach anyone after XXXX.After XXXX days, i spoke to XXXX of their reps to get instruction on sending the amount in.After speaking with the person, i wrote a check and mailed it to their stated address with all information requested.On my next statement i noticed it had been received, but instead of applying my money to the so-called " shortage '', they put it as being in a suspense account.I called them only to get a very XXXX girl on the phone who blatantly lied to me, telling me she had requested it to be moved into the Escrow account to correct the shortage it was sent for..Needless to say, this did not happen.After calling them XXXX different times and being told the same false information, I am furious at this company for refusing to process my Escrow payment.They had the nerve to send another Escrow Report this month telling me there was now a XXXX shortage, on top of keeping the previous amount i sent in.This Mortgage Servicer is crooked, dishonest and determined to force people into account issues, even if they have current status.Their Customer Service is poorly trained, expected to lie and ranks at the bottom of the list with consumers.Some have had terrible experience with this company, and i fear enough that i am searching for a way out from under this company.Their practice of frauduently increasing mortgage payments through bogus Escrow analysis claims must be stopped.I want my previous servicer back.
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC (OH)

on XX/XX/2024 I sent my cashier check payments by priority mail to amerihome mortgage companys payment processing center. XXXX mail tracking shows that my payments were delivered on XX/XX/XXXX, XXXX on XX/XX/XXXX i recieved a call from amerihome mortgage stating they had not recieved my payments. ive tried explaining that they recieved hem by mail and when. ive also gave them tracking numbers. Theyre now asking me to get something from my bank showing whether the checks have been cashed or not. I should not have to go through all this just to pay my mortgage. I feel that amerihome has lost my payments and they need to fix their mistake. i have recipts from the bank where i got the cashiers checks as well as the tracking showing they recieved it. this comapny has been horrible to work with. with no resolution
Consumer complaint received 2022-08-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Hello. On the XXXX of XXXX a dispute on an incorrect statement, so they would fix it, this was on Equifax about my statement with XXXX XXXX on my XXXX XXXX card from the XXXX of XX/XX/2022 which shows that I stood on XXXX dollars owed, but on Equifax, it says that I owe XXXX dollars. 
I got a response today that what I said was not true and they are showing me their documents and that is not true. I tried to submit a dispute to update the balance and I was not able to upload the bank statement document from my card that shows that I stood on XXXX dollars owed on XX/XX/2022. 
I request that you take care of this, Sincerely,
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am asking Wells Fargo to forgive my loan do to my special circumstance and I explain my Situation numerous times sadly it seams like I am talking g to a bear wall Wells Fargo keep sending me this laym document and totally ignore the fact that my husband is XXXX XXXX and XXXX is not good and if he dies I will hold Wells Fargo responsible I am not asking anything unusual my husband was laid off from his work itt which they closed and following after do to the XXXX he has lots of health issues and worrying about having or not having home is a main trigger to his health issues with this new president I am very scared please Help me not toy me around.
Consumer complaint received 2018-03-16
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. (OH)

I am requesting for a removal of old addresses on my and unknown addresses that appear on my credit report. I am a victim of Identity theft. My SS Number was comprised around XXXX. I am unaware of these following inquiries the are not authorized. XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX companies above never had permisson to run my credit report. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Disputed a charge XXXX/XXXX/2016. They have not sent me a final letter regarding this dispute though 2 billing cycles has passed. They claim that it 's not final until 90 days has passed and my understanding is that the law mandates that the investigation be final by the EARLIER of two billing cycles or 90 days. I spoke to XXXX supervisors at the credit card dispute dept and they advise me it 's not final until 90 days.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My wife and I have completed successfully XXXX trial loan modifications with Wells Fargo/ASC on loan number XXXX an Investment property. 
We also completed XXXX trial payments on another Separate Wells Fargo loan number XXXX. Wells Fargo said they would not modify these loans if the liens were not addressed. 
These liens which the Wells Fargo Home Preservation specialists provided us with were cleared. 
In XXXX 2015 Wells Fargo modified loan number XXXX, but they have refused to modify this loan number XXXX. They want us to pay off the second lienholder or have them subordinate the lien. 
The second lienholder has modified their loan twice but Wells Fargo said they will not modify the loan. Our even speak to the Second lienholder who agreed to work with me if Wells Fargo contacts them. I have no single point of contact at Wells Fargo, I keep getting letters but when I call in to Wells Fargo I am transferred from person to persons who keeps telling me to send in documents or call back when I get my second lienholder to subordinate the loan.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2023 TransUnion I recently received a copy of my credit report and dont recall authorizing these below listed inquiries. Please remove these inquiries from my credit report immediately. If you find the inquiries referenced above to be valid, please send me a documentation showing that I indeed did authorize these inquiries or please delete. 



If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm Offer of Credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible and I am requesting them to be deleted : Inquiries, dispute_instruction XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
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. (AR)

I am writing to express my dissatisfaction regarding the tardy handling of the opening of my account with Credit Bureaus. I submitted all the necessary documentation and fulfilled the requirements for the establishment of an account, yet to my dismay, there has been an unacceptable delay in its processing. 

As a new client, I anticipated a prompt and efficient response from your esteemed company. However, the prolonged delay in opening my account has caused inconvenience and frustration on my end. I have been eagerly waiting to commence business transactions with your organization, but the delay has hindered this process significantly. 

Given the circumstances, I kindly request that you expedite the processing of my account opening without any further delay. XXXX is of the essence, and I trust that you will prioritize this matter accordingly. Additionally, I would appreciate timely communication regarding the status of my account and the steps being taken to rectify this situation. 

Please understand that my dissatisfaction stems from the lack of promptness in resolving this matter, and I hope that you will take the necessary steps to rectify the situation promptly. I value the potential partnership with your company and believe that swift action on your part will help restore my confidence in your organization. 

I look forward to a swift resolution to this matter and the opportunity to commence business with your company. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (RI)

XXXX is been reporting an inquiry by XXXX XXXX twice, on XXXX, and XXXX. I had no business with this company or authorized them to run my credit.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2015-12-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates (TX)

Cooper, Hoffman, Klein and Associates contacts me multiple times a day leaving threatening voicemails regarding debts and bank accounts I have never had and do not owe on. Every call that is made, a different case number is given. When I contacted the company, I was threatened with legal action and prison if I did not pay although the representative threatening me can not supply any evidence of a debt owed. When asked for address to come to the company to discuss, I am given the run around. Representatives of this company have contacted me falsifying themselves as actual XXXX XXXX Process Servers stating that they are employed by the XXXX XXXX Police Department. Each time this company calls, it is under a different phone number with a different representative, with a different case number regarding a variance of criminal offenses that I have not committed. This company has threatened to garnish my wages, sue me, come to my home, and have me sent to prison. All searches for this company only show as being a fraudulent company attempting to squander money from innocent people where it is not due. Cooper, Hoffman, Klein, and Associates do not have a website. They are not affiliated with XXXX. They are a complete scam and do not stop harassment at any cost.
Consumer complaint received 2024-02-24
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. (OH)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; DPT EDXXXX XXXX Balance Owed : {$5500.00} ; DPT ED/XXXX XXXXXXXX Balance Owed : {$6500.00} ; DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$5300.00}.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Unauthorized use. I have mailed certified letters to ask for removals.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-29
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: Financial Credit Network Inc (CA)

Fin CR netwk- XXXX XXXX XXXX XXXX was opened not by me, but was open fraudulently by someone else on XXXX which now amount on the account report balance is XXXX XXXX Ive tried to dispute this problem numerous of times, but no luck I never lived in XXXX XXXX, and my credit report said that the company is in XXXX XXXX I had lost my wallet back in 2019 which contain my drivers license and my social security card.I then reported fraud on my social security number once I found out that my ss # was being used fraudulently. Please I need to dispute these fraud charges that are pending against me thank you.
Consumer complaint received 2016-12-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (SC)

I have sent Nationwide Recovery Services letters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

According to the Fair Credit Reporting Act 15USC1681 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared per 15USC6801 which also states " It is the policy of the Congress that each financial institution has an obligation to respect the privacy of its costumers and to protect the security and confidentiality of those customers ' nonpublic personal information. Neither of the XXXX reporting agencies have requested nor received my written consent to furnish any information to my consumer report. 15USC6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX nor Equifax informed me of my right to exercise the nondisclosure option. 
USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' Several of the reported accounts are adverse items they are reporting without my permission which is against the law. 
15USC168c states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. None of the reporting agencies are maintaining reasonable procedures.

15USC1681 ( a ) ( 2 ) states a consumer report DOES NOT include ( i ) transactions or experiences between the consumer and the person making the report. I have several late payment transactions reporting on my consumer report which adds another violation.

15USC1681 ( 3 ) Restriction of sharing of medical info.

( a ) medical info ( b ) list or description based on payment transactions of consumer for medical products or services.

15USC1681n " Any person who willfully fails to comply with respect to any consumer is liable to that consumer in an amount equal to ( 1 ) ( a ) damages sustained by consumer as a result of the failure of damages less than {$100.00}, but not more than {$1000.00} ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.