davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
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: Convergent Resources, Inc. (FL)

I have a debt originally from XXXX from XXXX that is currently being reporting as the date of delinquency XX/XX/XXXX. The collection has been resold a few times and this creditor just put the date the last creditor bought the debt on as the date of delinquency, illegally reaging the debt. I have disputed it to the credit bureaus with them just returning the same information and XXXX and XXXX just saying its valid. I would like it removed from both credit reports.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

The company will not remove late payment from my report and I have communicated that the information is reporting inaccurately on all of my reports. When my card was lost in XXXX the bank issued another card. The company continues to report the payment history from that card as if it is still open. The company opened a new tradeline and made my age of the card appear newer and also reported the old payment history and new payment history. The account is being reported twice and needs to be corrected.
Consumer complaint received 2020-11-27
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. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days but no response yet. 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.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Account reported as paid in full the company contacts advising payment due repeatedly informed not what I was advised the card was lost and account had been closed for some time so nothing was due. Disputed balance supervisor advised they were escalating and enrolling in covid 19 payment plan where as no payments no fees would be assessed for 2-3 billing cycles to ensure adequate time was provided to be properly escalated with no further issues and this was occuring during death of immediate family member. 

I did not hear back from him by the end of the date provided so i paid in full with live agent end of XXXX again reconfirming i was disputing and that once remedied in my favor refund. 

Company repeatedly advised allow 30 days to see it rectified on credit bureaus then they completely switched gears saying it is accurate. NO IT IS NOT I HAVE NEVER BEEN 30 DAYS LATE IN ALL THE YEARS THIS EXISTED LEAST OF ALL 60-90 WHEN THE BALANCE IS LOWER THAN IT HAS EVER BEEN ONLY FOR ME TO PAY THE ENTIRE BALANCE JUST LIKE THAT. 

I know what I was advised twice over and I paid again under protest at the exact moment the arrangement ended further illustrating the arrangement in place
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 Bank of America informed me they closed my account and would not let me withdrawl the funds. Without notice or cause. 

My XXXX goes to this account and we could not stop the funds in time for the XX/XX/2021 payment date. They are stockpiling my money and wont release it. 

I am without food and medicine and I need to have access to my monies at once and stop them from receiving my direct deposit.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX filed inaccurate dollar amounts as delinquent notices to credit bureaus. I have called numerous times and supplied them with an explanation of events surrounding the claim twice. I supplied XXXX with screen shots from Experian from my credit report. XXXX has responded but their explanations for not being able to resolve the issue or proceed with my request have been : No specific item was requested for investigation, no supporting documentation was received, the direct dispute is substantially the same as previous dispute.
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (TX)

This company reported me in collections in XX/XX/2020. I am not aware of the amount owed nor am I familiar with the debt or company reporting on my credit. This is preventing me from qualifying for my VA Loan to make a home purchase as I intended.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX i mailed my 1st dispute via certified mail XXXX to XXXX, PA XXXX marked delivered on XX/XX/XXXX at XXXX XXXX. They responded in a letter dated XX/XX/XXXX saying they were unable to process my request. I resubmitted dispute which tracking XXXX shows delivered on XX/XX/XXXX. The completely ignored my request until my 3rd letter they received on XX/XX/XXXX via XXXX. They responded in letter dated XX/XX/XXXX which surprisingly stated our records show that we have previously completed an investigation as verified by data furnisher. When in fact they stated on XX/XX/XXXX letter saying unable to process my request and my 2nd letter was ignored? I am confused. Now in this last letter they mentioned the rule " As outlined in the FCRA, unless you have additional relevant information that supports the change you are requesting ( i.e., a letter from creditor or courthouse .... ) we are not required to reinvestigate the same item again at this time. '' My 4th and final letter which I will attach contained a letter from US Bankruptcy Court Office of the Clerk XXXX District of Florida dated XX/XX/XXXX. My letter was once more ignored. Recently, I applied for credit and was denied due to this information. Upon receiving my report as requested from them dated XX/XX/XXXX, this public record is still not removed USBK Court XXXX Florida. I have been more than understanding with the changes with COVID-19 might delay processes but the rules are the rules and now I believe that I have been taken advance of. They have failed to maintain the regulations and I need this public record deleted. Thank you!
Consumer complaint received 2021-01-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION (OH)

I received messages on XX/XX/XXXX from my father 's wife and another friend stating they were a state investigator XXXX XXXX trying to locate me in regards to a case file. and to call them at XXXX with a case number XXXX. They told my father that they are part of XXXX county district courts and needing to serve me court papers in regards to committing fraud. Then 30 mins later my sister 's ex husband that lives in a different state trying to locate my sister to contact me. My sister called to find out who it was and was informed that I had 3 charges pending and said they were a location services company. I called to find out what it was and at first they said they were a law firm and stated that they will be serving me pages at my home to go to court for criminal charges of check fraud. I asked them if they were collections and they said no they are a law firm through Connecticut, but works for locating me for XXXX county district court. Charges are pending because I owe money to Check and go Payday loans from XXXX or XXXX. Said they have a right to charge me because the charge off date was XX/XX/XXXX. Threating to press charges if I do not pay the balance XXXX which is the balance of {$640.00} plus late fees. They said it was the balance of and only if I pay the full amount with late fees could they stop the court case. I informed them I can pay if i can get a documentation of what I owe and where I can send the money. The rep threatened again saying if I cant pay it over the phone then have a good day in court where I will be charged with check fraud and XXXX 's of dollars in fees. I have a screen shot of the message that they sent to my old phone number and a voicemail link of the message they left for my sister to locate me.
Consumer complaint received 2021-02-22
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 — Was not notified of investigation status or results
Company: The Thomas Agency, Inc. (ME)

Disputed this item as a medical bill that was to be paid in full by the department of Veterans Affairs, as a Mission Act based XXXX XXXX  referral. This was allegedly for a CT scan, in regards to my ongoing XXXX treatments and follow-up. I have an XXXX, due to XXXX XXXX from XXXX XXXX. Please see attachments. This is attempt # 3 to rectify this problem. Also, I have an issue, in regards to logging into XXXX, to monitor this situation, and to view my reports.
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A. (OH)

PNC Bank has contacted me numerous times the past few days and every attempt I make to answer the call their call disconnects immediately. I know their calling because my checking account has been over drafted for a long period of time, and I'd be happy to explain to them how I can repay the debt and what to expect moving forward however I can't do that if they keep hanging up on me after initiating the call.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (GA)

Said company has violated my consumer rights Under 15. U.S 1692e- False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communicationis from an attorney. 

Attached letter was sent on behalf of National Credit Systems, which is a violation under law
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX, Experian, XXXX  will not permit any corrections to inaccurate information in credit files. On XXXX XX/XX/2019, I reviewed all reported information and noticed inaccuracies in personal information including name, address, social security number, none of which can be fixed online. None of the telephone customer service representatives responded on the telephone despite waiting on hold for an average of 20 minutes per call. As a person who's recently experienced identity theft after data breaches, it's very important to take legal corrective measures.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below was the account that is still reporting on my account : XXXX XXXX-XXXX-Balance : {$430.00}
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, I had my unemployment card/information hacked, and money was withdrawn from my account. I called Bank of America to report the fraud, and they opened a claim and said they would send a new card. I reported the theft to the police and faxed the police report to B of A. a few days later, I received my new card, and within one day, they voided that card and closed my account. I have repeatedly called BofA and the Nevada DETR ( unemployment ), and they both blame the other for closing my account. I have done everything asked of me, including sending a copy of my driver 's license and social security cards to prove my identity. As of this day ( XX/XX/XXXX ), I still have not had my account reopened, nor have I received any of my unemployment and government money. This is causing undue hardship on my family, and taking care of my family 's necessities is becoming impossible. All because Bank of America did not want to look into the fraud committed on my unemployment card. Nevada Unemployment hasn't been much help either, as they've offered no solution to the problem, even though I call them 3-5 times a week. I get the same lame excuses from them, just like I receive the lame excuses from BofA. They are the ones committing fraud here on thousands of innocent families.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH mortgage took over from its parent company Ocwen and I have been struggling with this financial institution representing XXXX XXXX  since I managed to obtain a loan modification package granted in XXXX. 
I have proof that they make it impossible to cure default and are drowning us in fraudulent fees that I have investigated as fake such as {$910.00} title insurance with XXXX XXXX XXXX trust escrow which does not Exist when I contacted the telephone info goes back to the parent company itself. 
In XX/XX/XXXX a statement for the amount required to cure default was requested and the amount of funds was transferred which totaled {$20000.00} but they took over {$10000.00} in fees and did not cure the default but rather claimed another {$12000.00} was due by XXXX. 
I had no choice but to file chapter XXXX and that did not work either. They managed to file papers with the court during the pandemic requesting more than double monthly payments {$5000.00} per month for a {$2000.00} mortgage and the amount {$30000.00} was sent and they still sent a notice of default
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES (NY)

I was getting increased and harassing collection attempt calls from XXXX XXXX about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted XXXX XXXX ( XXXX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX  that I disputed this account with no response each time from XXXX regarding this account. I did however receive a letter from a collection company named Zwicker and Associates, XXXX. They claimed they are trying to collect a debt from XXXX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to Zwicker and Associates disputing this erroneous account with XXXX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to Zwicker and Associates that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XXXX XXXX XXXX. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither Zwicker and Associates or XXXX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by Zwicker and Associates that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with XXXX. I have seen plenty of complaints against both XXXX and Zwicker and Associates for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.
Consumer complaint received 2019-03-22
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: EQUIFAX, INC. (ND)

Equifax and XXXX are incorrectly reporting me 120 days on the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX ( pages 4 - 8 on the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on accounts with a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2021-03-24
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. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 gotten into the hands of the wrong person.
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (OK)

On Friday, XX/XX/2019 at XXXX XXXX., Hunter Warfield called my cellphone and said they had a debt totaling {$2300.00} and said that if I did not settle the account it would be sent into the court system for legal action. I then asked them " Are you threatening legal action? '' The lady on the phone then responded, " It's not a threat, it's a fact, it will be sent for legal action. '' I responded : " It is a fact that you're threatening legal action? '' The lady : " Yes it is a fact. '' I proceeded to hang up and submit this complaint. I have never acknowledged this debt and have tried to get this debt taken off for years through credit dispute resolutions but they still call and they now threaten legal action against me.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I need to get my name straight on my credit report. XXXX XXXX XXXX is my name please remove any other name from my credit report it is not accurate. I have only one employer XXXX. please remove any other employer from my report they are not accurate. I have a few unverified account I am not sure how they showed up on my report never done business with these companies?? Please forward me the proper verification this is the third time I have complained about this accounts on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX