davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/2019 I tried to put in a PO Box-in Maryland at the XXXX XXXX Post Office in  XXXX XXXX Maryland at XXXX XXXX XXXX XXXX, but that Post Office has so much fraud, and stealing that my mail was never sent to the Post Office box, so my bank withdrew the funds ( Post Office was reported ) and I signed up instead with the DC Washington XXXX XXXX in Washington Dc because they are professional at this Post Office any how I asked my bank to take back the {$100.00} because the Maryland bank never put my mail in the Post Office box. The dispute department talked to someone at the Maryland underhanded Post office and they told my bank that I come there everyday to get my mail from their Maryland Post-Office which is a lie, because I have proof and receipts and the Post Office General will not allow any one to have two -Post -Office boxes- exspecailly coming form the same house. TD Bank failed to investigate and believed the lies that the Maryland- Post Office -said and not me and TD Bank took {$100.00} out of my bank account and gave it to the lying- Maryland Post Office .
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I discovered an account from XXXX XXXX on my Experian credit report. I have never conducted business with this company so I need this account removed ASAP. Contacted the company directly and was advised that documentation would be sent to me via email. As of today, I received no information. I have also filed a complaint with XXXX Case # : XXXX
Consumer complaint received 2019-05-20
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. (PA)

Experian has listed for several years a old account from XXXX that was opened up in my name, and unauthorized purchases were made, I demanded XXXX/XXXX to remove and close ... I filled out in XXXX of XXXX a fraud packet, and they closed it ... then they began reporting it to Experian again in XXXX stating that it was a current negative account, 100 % erroneous info ..Experian has yet after 3 years of attempts to remove it, even after I sent them a copy of atty general office of Ohio, their home corporate state, XXXX of XXXX that required XXXX XXXX XXXX/XXXX to remove the account ... they still are reporting it as a recent negative account///absolute fraud this account was closed in XXXX of XXXX ... not recent, and it was closed due to my complaint of fraud ..
Consumer complaint received 2019-05-20
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)

After several attempts to send my FTC fraud report the CRA 's have failed to process orcorespond with me regarding the matter.
Consumer complaint received 2022-09-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (DC)

First of all, I have no idea if this is real or a scam. I have no recollection or awareness of the debt they are claiming I owe ( they are saying I have a debt to Wells Fargo attached to a bank account from 2004 ), but if it is a real debt that somehow I forgot about or didn't know about, their tactics are completely inappropriate and probably illegal. 

I received a voicemail on my work phone saying I was being sued and was going to be served with documents the next day if I didn't call back. Asked me to call XXXX and provided a case number ( XXXX ). The voicemail said the person was named XXXX XXXX calling from " The XXXX XXXX XXXX '' but no other company name or anything was given. 

I called back, and someone answered the phone " corporate office, '' and I asked " what is this the corporate office for? '' and she said " I answer the phone for 8 different law firms, whats your case number? '' So I gave it to her and she connected me to a woman who said her name is XXXX XXXX and she's with a law firm called XXXX XXXX XXXX and I'm being sued by Wells Fargo for {$3300.00} for an unpaid debt from 2004 for {$1100.00}. She said I have to pay immediately or they're going to repossess my car and garnish my wages. I asked what my car has to do with this and she said they want their money so they'll seize assets if they have to. 

I told her I have no idea what this debt is and why is this the first time I'm hearing any of this, and why doesn't it appear anywhere on my credit report? She said because it's not a credit card, it's a bank account debt and those don't show up on credit reports, but if I don't pay this money my credit will be ruined. I think she said it had to be paid in 10 days. 

I asked if I can dispute it and she said yes but the only way to dispute it is to go to court and then I have to pay all the legal fees. 

She said maybe she could get it down to 50 % and I said ok but I'm not paying anything until I see some documentation. She said ok and that she would email it to me, so I gave her my email address. 

I never received an email, but roughly 24 hours later I received another voicemail from her ( this time calling from XXXX ) asking me to call her back.
Consumer complaint received 2019-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

My original loan was being serviced by XXXX when it then got transferred to PHH Mortgage Services ( www.mortgagequestions.com/ - NMLS ID # XXXX ). Before the loan was transferred, I completed a modification with XXXX. After the modification was completed by XXXX, XXXX charged me a {$99.00} 'Charge - Notice of Default Cancellation fee on my XX/XX/19 statement and the fee was listed with a date of XX/XX/19. I disputed the fee with XXXX but then the loan was transferred. PH Mortgage Services then charged me a {$99.00} 'Assessed Expense - RECORDING FEE Paid ' fee! They charged me on the statement with date XX/XX/19 and listed the charge with date of XX/XX/19. They also raised my principal, interest, and escrow payment portions from the agreed upon rate that was in the modification agreement I signed with XXXX.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This letter is to request that you remove inaccurate information from my credit report. This inaccurate information has affected my chances of getting loans and credit. For your convenience, I am sending you the proof that the items are inaccurate in case you need to verify them prior to removing them. The account I am referencing to is XXXX XXXX XXXX ( Account # XXXX ). 

On XX/XX/2022, I received a letter from XXXX XXXX XXXX that the obligation was paid in full in their office on XX/XX/2022.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MD)

On XXXX XXXX Equifax was hacked and my information was taken. At that time I was a enrolled in XXXX XXXX XXXX XXXX. Equifax did not inform me of the hack even though I had the XXXX XXXX XXXX! I received monthly emails from Equifax stating " We are pleased to inform You there were no critical events reported last month ''. My information being hack is a critical event! 
It was reported on the news that Equifax was offering free credit monitoring to the people hacked. I signed up for this. It is now being reported that by singing up for the free credit monitoring that I have waved my right to sue Equifax. I signed up several weeks ago and have not received a conformation that I 'm enrolled in the free credit monitoring offered by Equifax. It seems they wanted me to wave my right to sue and are now ignoring the risk to my identification and credit. 
Equifax is using every tick in the book to limit their losses. 
1st not reporting the hack in a timely manner 2nd Not reporting my information was taken while I was a member of their XXXX XXXX XXXX XXXX 3rd by baiting the public into waving Our right to sue by offering a free credit monitoring 4th Long hold times in excess of 90 minutes with either no hold music ( to make us think we have been disconnected ) or Loud static to drive us to hang up.
Consumer complaint received 2018-06-07
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: Convergent Resources, Inc. (WA)

This situation has to be a pretty interesting one. I haven't had an account with XXXX for well over a decade. This account is not mine. I requested to validate the debt and their first response was an offer to settle the debt. Offering to settle is not validation of a debt. They did not abide by federal law. 
After my second letter I received a very interesting print out with costs, and conflicting information. The second statement does NOT include any original paperwork/contracts with my. There is NOTHING with my signature. Just a weird, seemingly falsified, print out with two different company names on it. 
They identify as XXXX and XXXX XXXX College? Anyway this company did not properly validate this account. There is no original contract, there is no paperwork with my physical signature. Come to think of it I've been with XXXX since about XX/XX/2009. This needs to be removed from my credit report. I also need their Washington State 's representative 's physical address, and contact info, so I can move forward with court if needed. Thank you!
Consumer complaint received 2022-10-06
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. (CA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXXXXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$8600.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$11000.00} ), XXXX BANK ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1600.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (PA)

I had inquired a refinance from Ocwen Mortgage ( Fla ) ( I live in P.a. ) ..in XXXX ... .they foreclosed on my house before the time allowed ... with my possessions inside ... .i had a buyer for the home..through a realtor ... they ( his name was XXXX XXXX XXXX refused the offer of 91,000 $ ..i filed bankruptcy added the house to the bankruptcy ... THEN when my home was sold ... .they tried to come after me for the balance ... .because if they had taken the XXXX offer they wouldve gotten 30,000 $ more, than they ended up getting through the bankruptcy, which was only 70,000 ... so i lost my home ... .over the years i had heard from a law firm that was supposedly filing a class action suit against them ... but ive never heard anything again!! Im STILL XXXX about this ... it was my childhood home ... i was taking care of a toddler and a XXXX mother @ the time ... .My Mother passed before the foreclosure ... but they were horrible to me!!!!!
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WI)

Jefferson capital systems Inc, attempting to collect a debt on behalf of XXXX XXXX XXXX. Amount " owed '' is {$560.00}. Account " opened '' XX/XX/2020. I never opened an account with this creditor, original creditor is " XXXX XXXX XXXX ''. I do not have any records of ever being an account owner with the original creditor. Would like to submit a complaint about both the collection agency and the original creditor. This is not a valid debt, therefore can not be collected. The collection agency needs to show proof of debt. If the debit is valid show me proof I was an account owner with the original creditor ( XXXXXXXX XXXX XXXX ) and have an outstanding debt please.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

I am a victim of EquiFax cybersecurity incident., and have tried at least on 40 occasions to sign up for the Trusted ID service they are providing to all the victims. and have not been successful to complete the process. I have gotten as Far as establishing a signing Id and password, but can not complete the sign up process, i have created case number ( XXXX ) which they have closed. I have emailed them and called all the phone numbers they provided. They answer is always the same, The website is down, My computer is not working, Hang up, transfer back to the Q..and so on. Equifax have wasted lot my time by having me wait on line for 10-40 minutes each time to just tell me : callback, or just hang up, put back on the Q or the website is down of all the times I have tried to contact them, i was successful once when I to talked to some one who helped me establish an ID and password for the service. But can not pass that step at all. 
I wish that the FEDS would just shut then down, they should not be in business if they can securely handle consumer 's information I can be contacted by phone ( XXXX ) XXXX, or Email : XXXXXXXXXXXX
Consumer complaint received 2022-09-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I ordered a copy of my report in XXXXXXXX XXXX on XXXX I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe where reporting in error. 


XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (TX)

Grettings, I have a problem with my credit report, because I was disputing all my errors and the credit bureaus didn't remove them. I sent 4 rounds to all the credit bureaus such as : XXXX, XXXX  and Experian, but they didn't answer me. I want to remove the inaccuracies, inquieries that I don't authorized them, and negative accounts.
Consumer complaint received 2017-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: United Student Aid (USA) Funds (MD)

Recently United Student Aid Funds , Inc. sold my student loan to XXXX XXXX XXXX XXXX XXXX During that time, {$13.00}, XXXX in collection fees have been added to my account. I am questioning the legality of added such a high collection fees when my account was sold 2-3 times within 6-12 months. First, XXXX XXXX had my account then United Student Aid Funds , Inc next XXXX XXXX XXXX XXXX XXXX XXXX With such large collection fees being added to my account so quickly, I will never be ab le to pay down on my student loans. 
I have filed a complaint with the XXXX XXXX. of XXXX recently and it has been escalated to the XXXX XXXX at this time. 

Please look into this issue and the legality of such high collection fees. 
Thanks.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (MI)

I decided to switch fromXXXX to another XXXX. In order to do that and keep my same phones, it was required to pay off remaining balance which were the cost of the phones and monthly phone bill. XXXX payments were provide to complete this before they would unlock the phones to allow the new XXXX to activate them. The first payment was for {$440.00} paid on XX/XX/2022 at XXXX XXXX. The phones still wouldn't activate which lead me to call back to be told there was still a balance that needed to be paid and the second payment was {$180.00} on XX/XX/2022 paid at XXXX XXXX. I talked to XXXX people who advised that all balances were now paid and the account was successful closed and phones will now be able to be unlocked for the new XXXX. All of a sudden I receive a XXXX point decrease across all three credit reporting for collections from Ashmer Collections to collect {$460.00} for the cost of the phones! I have attempted to dispute immediately and sent both proof of payments and its still reporting. I've requested validation of debt and dispute papers and gato not received. I call them weekly and only keep getting short rude responses saying to wait for the documents! I was in the middle of buying a house and this stopped me causing devastation to my family! I want this DELETED for all three reports NOW!
Consumer complaint received 2017-10-04
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: EQUIFAX, INC. (WA)

ALL of my personal identification data was made available to criminals for illegal uses by a large credit reporting bureau. EQUIFAX. 

My personal financial damages have not yet been determined entirely as of this point due to the fact that the likelihood of my identity being pirated at any time in the future for illegal purposes is quite high. 

My minimum damages from this breach appear to be XXXX per month for professional XXXX XXXX for the remainder of my life. For me and my wife, the total minimum damages is an estimated XXXX 

If my personal information ends up being used by criminals these damages could be XXXX higher. 

This is very scary! 

Please tell me the Consumer Financial Protection Bureau has my back.
Consumer complaint received 2022-10-06
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. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX  {$830.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (SC)

In XX/XX/XXXX me and my cosigner submitted documents to help lower monthly payments several amounts of private information that already made both of us uncomfortable. After working with several different people for months and hearing several different things we were finally told that it didn't matter if we had other bills and needed to live that if we both worked then we had to make the payments which is XXXX a month after several attempts to stay on time working two part time jobs the account fail behind.. and at the end of last year I was in a area affect by the hurricane and the account went into forbearance I called in to see when the payment would be due and was given incorrect information which later caused the account to continue to be behind which begin charging me crazy amounts for late fees. There has yet to be a time where we have called in for information and received the same information. I do believe that there has been some illegal practices when it comes to this company, we have tired everything an they keep making it harder and harder with scary tactics, and incorrect information.
Consumer complaint received 2017-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ORG GC GP BUYER, LLC (MO)

GC Services has contacted me on several occasions stating that I owe XXXX in student loans. Some if these calls were during work hours. I have asked twice to have documentation sent to me showing that I owe this loan, which they sent me a cover letter that stated I owe the XXXX XXXX XXXX XXXX XXXX no itemized statements that i asked for. They have no proof i owe this loan, and I have disputed the debt both verbally and in writing yet they have put a garnishment against my wages. I took out a student loan for XXXX the only student loan I 've ever had, they state that I also had an XXXX  loan which i most certainly did not. This is why I 've asked for documentation and have received nothing. Also the customer service at GC Services is absolutely horrible!