davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

DEBT COLLECTOR IS NOT THE REAL PARTY IN INTEREST I DONT HAVE A DUTY TO PAY THIS PARTY I NEVER RECIEVED ANY BENEFIT FROM THIS PARTY I DONT HAVE A CONTRQACT WITH THIS OPARTY FOR THE COLLECTION OF THIS DEBT THIS IS A STALE DEBT OLDER THAN 4 YEARS.
Consumer complaint received 2018-01-09
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GREAT LAKES (IN)

XXXX RAN MY CREDIT WITHOUT MY PERMISSION IN VIOLATION OF F.C.R.A, CALL MY CELL AND WORK AND XXXX AT WORK. 
REFUSING TO SETTLE MATTER OUT SIDE OF COURT.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

My second mortgage for my Colorado Housing and Finance Authority ( CHFA ) loan shows up in forbearance. My first mortgage has never been in forbearance. The second mortgage does not take payments unless I sell the property or refinance. I have tried to contact Colorado Housing and Finance Authority ( CHFA ) and they can not tell me what is wrong. They say that it doesn't show up as forbearance on their side but are unwilling to provide me with any type of documentation except for the closing disclosure from when I originally wrote the loan. Without any documentation, the credit bureaus or loan officers can not resolve so I am unable to buy a home with it in forbearance.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... nothing about this account is ACCURATE! It is affecting my ability to borrow money.
Consumer complaint received 2017-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (DE)

Had a payday loan. It was paid off. The company tried to take more funds out my account. Made claim with Wells Fargo and they gave me a pending credit back for {$360.00}. Wells Fargo closed my claim bc I do n't have proof of paying them and they reversed the pending credit. So they put my account on the negative for almost {$400.00}!! I have talked to Wells Fargo, had reps hang up on me when I told them I wanted a name & number of somebody I can report this horrible bank crook bank to.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CT)

I have been in contact with Equifax regarding excessive inquiries on my credit report and I have added fraud alert to my credit file regarding the issue with the excessive inquiries on my credit file. still to this date nothing has been done about it and I am showing new inquiries on my credit file that I did not authorized. I do n't see how this is happening if I have fraud alert on my credit file. there is about XXXX Hard inquiries on my credit report with Equifax that should n't be there.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XX/XX/2017 we tried to refinance our home with the student loan and 5/3rd home equity. We weren't able to because 5/3 reported that our home was in foreclosure. I tried several time to contact someone to help me. Final after being on hold for 3 hours and transferred to 15 different people. I finally got someone to talk to me. 5/3rd admitted my credit report was incorrect and sent me a letter. Then I started the refinance process again and was on hold with XXXX trying to prove what the letter said from 5/3rd bank was correct. I finally got the re-finance to got thru. I have a statement stating that I owe {$26000.00} and 5/3rd bank says the pay off balance is {$31000.00}. Once again i'm on hold with the bank for about 2.5 hours with no resolutions and no reason why.
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NCB Management Services Inc. (FL)

NCB has called repeatly to my work, which I have asked to stop. Calls are threatening for a debt I do not owe. Mutiple calls daily.NCB has even called my child 's cell phone.
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc. (MA)

We were on an automatic payment plan however our checking account was automatically closed due to hacking. Called IC to explain why they could not get payment and tried to setup plan with new account information and women stated that could not be done and I had to pay in full. She was very rude and would not put on supervisor. I finally gave up and said I would call back. I called back at a later date and setup the automatic payment with the new information with no problem. However, just realized they sent our account to the credit report. Called back and spoke to a women and she explained why and just insisted I should have paid the bill. She would not listen to me and I asked to speak to someone else and she refused. She actually hung up on me. I dont know my legal rights but they never sent a notice that this account was going to be sent to my credit report. Please help get this off my credit report.
Consumer complaint received 2018-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

Enhanced Recovery Company shows on my credit reports with original creditor XXXX XXXX XXXX  opened XX/XX/2016in amount of {$510.00} While I recognize XXXX XXXX XXXX  I have no knowledge of Enhanced have never had any business with this company. Have never received any communication from either in regards to this alleged debt. The last 4-5 years I have been on someone else 's account with XXXX and XXXX. This is either a mistake or fraud and from all the complaints on XXXX XXXX, # 3 most complaints on CFPB 252 % increase in complaints from one year to next average of 193 a month. Some 13,800 results on XXXX  related to lawsuits I would tend toward fraud. I would have to ask at just what point do these companies get shut down and put in prison?
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

XXXX and XXXX XXXX. XXXX acct XXXX with Ditech . We have been trying for over six weeks to get a payoff amount for our house as we are selling it now in 2 days. I have left numerous messges, emails and on hold while trying to do this on the phone for anywhere from 30minutes to over an hour. Left message when I could get through for XXXX XXXX my bankruptcy representative at least twice. Most times I can not even get to her voicemail. They are taking our money but we get no customer service. Yes we are in bankruptcy but paying the house payment ourselves not through the courts.
Consumer complaint received 2022-04-01
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. (FL)

I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, phone and SSN being furnished on my consumer report. I demand that the inaccurate information is to be remove and update in a timely fashion.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern, due to the personal information inquiry breach issue with Trans Union. The customers service representative didnt want to take care of my complaint of not been notified about the breach and issues. That issue was definitely disregard. My issue was ignored and I was treated like an unappreciated customer. 
The inquiries that were ignored. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX SCREENING PR XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I referred my friend for the XXXX XXXX XXXX XXXX XXXX XXXX Credit Card on XX/XX/2017. American Express had a program that promised me XXXX XXXX XXXX points if that referral was approved. The referral was approved on XX/XX/2017. I've reached out to American Express many times and they keep saying to check back in a few weeks. It has now been 16 weeks and there has been no resolution. I have given them the opportunity to fix this, but they keep stalling and telling me to check back later.
Consumer complaint received 2017-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Dear CFPB, This medium is to seek CFPB intervention in a situation that we found ourselves with Freedom Mortgage. 

We bought our house in XXXX XXXX that was financed by XXXX XXXX but was later transferred to Freedom Mortgage. In XX/XX/XXXX I started get several calls from an XXXX number unknown to me at the time that it was Freedom Mortgage calling day and night, which I returned the call but while talking to the agent that picked my call, she mentioned that my monthly payment has gone up by XXXX dollars. I informed the agent that I did not get any correspondence about the change, the agent admitted that they did not send any letter or email. After speaking to the agent I begin to pay the extra XXXX dollars. A month later I received a bill that we owe two months ... .I always send my bill 10 to 12 days before the due date. 


Two months after the XXXX dollars increase they send another letter that my mortgage will go up again by another XXXX dollars starting from XX/XX/XXXX payment. Speaking to several people at this company have produced a lot of run arounds and misleading information. I was told that the XX/XX/XXXX increase was from my State NC requirement which I called NC State and that was not a truth which Freedom Mortgage customer relations XXXX XXXX also attest to it not being the truth. 

I have spoken to Freedom Mortgage customer relations personnel that told me that all the fees on my account has been removed but to my surprise Freedom Mortgage has used one of my monthly payment to pay the fees and keep the rest in one account which is making my account look like I am one month behind. I have all the bank statements that shows that I make payment on time and regularly. 

Your help on how Freedom Mortgage will reset my account back to normal will be greatly appreciated. 

Thank you in Advance. 
XXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLIANT CREDIT UNION (CO)

I paid this vehicle off and 6 months early at that!! There is something wrong here!! They sent in a report that said we were late on vehicle payment. This is not true!!! I made an extra {$4200.00} payment alone in XXXX and then paid it off in XXXX. I've never ever missed a payment on anything and I've been making extra payments. I just got the title yesterday. Never got anything saying I was late on anything. How dare you!! Please look this over again and take this off my credit report and my husbands!! Someone made a mistake and I will got to an attorney if this isn't fixed because it is an error.
Consumer complaint received 2022-09-11
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. (IL)

A while back I tried to put a XXXX utility bill in my name and I was told I couldn't open a account because I had a old balance from a home I never lived in my life. So recently I was interested in obtaining some credit for a business im starting so I pulled my credit report for the first time and the first thing I noticed was a couple of addresses that I never lived at before in my life also It was a job listed I never worked, then I noticed I had a couple of accounts that I didn't open also I had a lot of Inquiries. These things have really affected my credit
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

The issue revolves around the dispute of 3 charges of {$15.00} totaling {$45.00}. I have purchased three {$100.00} cards on XXXX ( XXXX ) which were fine. However the 3 x {$15.00} XXXX gift codes that came with the card were invalid. XXXX refused to address the issue blaming XXXX digital for it. 
Subsequently I disputed the purchase with Wells Fargo ( Acct # XXXX XXXX XXXX XXXX ) and I received the note that the dispute was resolved in my favor and {$15.00} instead of {$45.00} has been credited. When I called the CSR line that later transferred me over to dispute line, the issue was not resolved. The dispute person blamed the issue on " the system '' while attempting to re-open the case once more with details over the transaction. I have provided a very detailed account of the dispute including purchase details and I was astounded to hear that the dispute has not been addressed. Subsequently I was transferred to WF 's executive customer service line where I was mocked as the person on the other line, XXXX XXXX claimed she could n't hear me very well. I have made numerous calls that day and my phone line was completely fine as I could hear both CSRs and dispute dept person very well. 

The issues worth asking : 1 ) How many times does it take for WF to get a dispute such as this right? 
2 ) What is an appropriate amount of time WF feels its consumer can be put on hold? 
3 ) Where is the accountability to make sure that the dispute process is dealt with in honest and transparent manner and not in bad faith and deceptively? 

Resolution : {$45.00} credited to my account.
Consumer complaint received 2017-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

It was back around XXXX when the account was open. I was approved for {$1000.00}. I called the company told them i needed to work something out there was a XXXX i was involed in XXXX XXXX XXXX and they proceeded to do nothing about this but XXXX me after i told them i was XXXX and have documented XXXX.
Consumer complaint received 2017-03-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (MD)

I have a car loan with CPS, the original loan amount was {$9100.00} ( XX/XX/XXXX ), Interest Rate 25.50 %. As of XX/XX/XXXX I have paid {$14000.00}. Interest on {$9100.00} is about {$2300.00}. Total that should have been paid is {$11000.00}. I believe I have over paid by about {$2600.00}. CPS still shows I owe {$1600.00}.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Innovis (NV)

I contacted Innovis Consumer Assistance on XXXX/XXXX/15 at XXXX/XXXX, PA XXXX Calling the XXXX number above. The automated system does not allow you any way whatsoever to verify if they have your correct address, since they ask only for ZIP CODE & front numeric part of address. Their XXXX number provided an unintelligible confirmation number, and you are not allowed to verify the correctness of the address they have on file, nor can you speak with a human at all, meaning my " free '' credit report will go wherever to whomever BECAUSE they have XXXX QUALITY ASSURANCE MEASURES in place. Innovis should be barred from doing business UNTIL they can assure the privacy of personal information!!!
Consumer complaint received 2015-04-26
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (WA)

First Note : This is NOT a duplicate issue. The other issue reported was regarding a transaction in XXXX of last year. This is a NEW case with a NEW issue. Both cases involve the same card issuer, but different transactions and cards are involved. 

XXXX/XXXX/15 - Purchased a gift card for {$500.00}. The receipt indicated no problems loading / activating the card -- said APPROVED on the receipt. 

After opening noticed that the card inside the package had been tampered with -- someone had destroyed the mag stripe and placed the tampered card on the shelf in a different store. 

I called the number on the back of the card and after entering the card number, was forwarded immediately to customer service. I was told by Customer Service that I would need to be sent a replacement card and that I needed to fax information to " Lost / Stolen Card Replacement '' to get that process started. 

XXXX/XXXX/15 -- Collected the required information ( name, address, e-mail, phone number, card info and receipts ) and faxed it all off to the specified number for Lost / Stolen Card Replacement. Indicated that they could call me at ANY HOUR if necessary. 

XXXX/XXXX/15 -- After hearing nothing, called and asked for status. They could n't find in system. Opened an inquiry to escalate. Faxed the information off to them again and realized that I had transposed XXXX numbers when I typed them. XXXX was XXXX. 

Immediately called them back and inquired with the correct card number. They indicated that A REPLACEMENT CARD HAD BEEN SENT THE PREVIOUS DAY ( XXXX/XXXX/2015 ). 

XXXX/XXXX/15 - Still had not seen a replacement card in the mail, so called the number on the back of the Gift Card. Found that the previously locked/inactive card was now active and that the {$500.00} loaded on the card was now roughly {$11.00}. Immediately hit XXXX to get Customer Service. 

They told me that since they did n't see any fraudulent activity on my tampered card YET, they had simply activated the card on XXXX and that NO REPLACEMENT CARD HAD BEEN SENT. ( Apparently the person I had talked to on XXXX had lied to me about a replacement card being in the mail on XXXX. ) I WAS NEVER CONTACTED AFTER THE ORIGINAL CARD WAS ACTIVATED AND THE SCAMMERS WHO TAMPERED WITH THE CARD IN THE FIRST PLACE APPARENTLY DRAINED THE ENTIRE CARD. 

The CSRs on the phone insisted that I need to dispute the fraudulent charges and go through the standard dispute process. I have been through this process before and US Bank XXXX XXXX in their handling of these cases. The entire process takes about 3 MONTHS to complete. 

Before the call ended, the CSR I spoke with handed me off to an escalation agent, and that escalation agent indicate that an escalation manager would call me back within XXXX hours. I have not yet received a call from them six days later.
Consumer complaint received 2016-12-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

I would like any late payments reported to the credit bureaus removed immediately. After struggling since XXXX 2015 to get my {$5000.00} HAMP incentive credited and my payment amount corrected to what it should be I reject the possibility I was ever late. You have been over charging me for the past year plus so there is no way I could be late on something that was incorrectly being over charged. If I owe you XXXX apples and you are billing me monthly for XXXX how can it be due? In addition I want all late charges removed from this account unless you can explain how they have been charged. This loan has been sold 4 times and when I pressed XXXX in XXXX 2015 they then sold the loan rather than correct the issue. I have been harmed financially and emotionally and I want this corrected immediately. It 's not my fault that the mortgage companies that have managed this loan ca n't count.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

An amount of {$310.00} was previously disputed in XXXX 2016 with XXXX. XXXX deleted the account from my credit report and stopped collections. I transferred my XXXX phone account to my wife 's account so there was no money due. I recently noticed a collection account was placed onto my credit bureau files without my knowledge and without every receiving a letter from the debt collector in order to give me ample time to dispute the validity of the debt. They just placed it onto my credit without first attempting to communicate with me via mail. It is affecting my credit report.