davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America continues it's discriminatory practice against me after 9 years of living in the United States based on my place of birth and nationality. I am an XXXX  citizen and I have been living and working in the United States as a XXXX  since XXXX. My source of income is solely from my job in the United States, and my spendings has always been confined to the borders of the United States. I have not left the United States since I came here and therefore I have not been to XXXX or any other country since I resided in the United States. 
Despite this, Bank of America started a campaign of harassment against XXXX  born customers like me since XXXX which continues to this date. I repeatedly provided information regarding my legal residence to the Bank of America over the past 6-7 years. With continued harassments and account restrictions, I was forced to close my checking and saving accounts in XXXX leading to significant financial hardship for me and my family. Unfortunately, I still have to endure the BoA campaign of harassment as I still have two Credit Cards with this institution and since these are my oldest lines of Credit, losing them will adversely affect my credit score at this point of time.

Bank of America falsely claims " Like all United States Financial Institutions '' it has to continue this discriminatory practice against XXXX  born customers however I am working with close to two dozen other financial institutions in this country and Bank of America is the only financial institution with this appalling practice of harassment and discrimination against customers based on their place of birth and nationality.
Consumer complaint received 2021-10-31
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. (MD)

I sent the following companies : transunion, and XXXX letters regarding inaccurate items on my credit report. I sent this letter on XX/XX/21 and I haven't received a response yet from either company in 60 days! I know that if the investigation isn't responded to in 30 days it should be deleted off my report but with Covid-19 into play the timeline is extended to 60 days but it has been 61 days and i still haven't received a response! I demand these be removed from my consumer report.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consolidated Information Services Solutions, LLC (DE)

I was about to begin a job on Monday XX/XX/XXXX, when they decided to end the opportunity before it began. According to this email : Hi XXXX, I hope you are well. I'm not in the office today. Apparently, Universal is now required to run credit checks on all employees. They stated they ran yours and it did not meet the requirements. I apologize. This was not a requirement we were made aware of. 

I'll be in touch with you tomorrow. 


XXXX XXXX | XXXX
Consumer complaint received 2021-10-31
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. (PA)

I the federally protected consumer pursuant to 15 USC 1692a3. I have rights to dispute any alleged or unauthorized accounts and other false and deceptive information on my consumer report. Consumer reporting agencies has to obey the Fair Credit Reporting Act 15 USC 1692b permissible purpose, which I did not give permission to anyone as the consumer I am the only individual who can confirm what is furnish on my consumer report. I call for all these negative accounts to be remove because XXXX has already remove these account and equifax should follow suite as well and remove the alleged debt. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by EQUIFAX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.
Consumer complaint received 2021-10-31
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. (NJ)

Back in XX/XX/2021, I submitted a request for proof of this bankruptcy on my credit report to all third party agencies.And they were not able to supply proof as to how they retained such information so XXXX XXXX Deleted it from their Database and sent me proof that it was deleted. I sent that proof to all three major credit bureaus that as of XX/XX/2021 it has been removed from they place they claimed they got it their information from so why are they still reporting this lie? XXXX told me and gave me a number for XXXX XXXX to call them and said thats the only way it would be removed from my credit. XXXX XXXX said we dont call credit companies.I want to know how are they investigating something that is no longer in the database? And E Oscar is not a legitimate companyI need this bankruptcy removed for it is defaming my name and credit just remove this obscenity from my credit report all three credit companies it was an error so just remove it from my report instead of making like your disputing it with a real company because again E Oscar is not legit.XXXX removed for. Third party agencies and I never gave no one permission to put nothing on my credit report no how so why be so nasty and trying to defame with this.
Consumer complaint received 2021-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (NY)

I was less then 30 days late on payments. I have always paid it head, on time, or less then 30 days before next payment is do. I'm trying to keep my credit good and increase my score and show people I'm serious about rebuilding my credit after bankruptcy.
Consumer complaint received 2021-10-31
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)

Back in XX/XX/2021, I submitted a request for proof of this bankruptcy on my credit report to all third party agencies.And they were not able to supply proof as to how they retained such information so XXXX XXXX Deleted it from their Database and sent me proof that it was deleted. I sent that proof to all three major credit bureaus that as of XX/XX/2021 it has been removed from they place they claimed they got it their information from so why are they still reporting this lie? XXXX told me and gave me a number for XXXX XXXX to call them and said thats the only way it would be removed from my credit. XXXX XXXX said we dont call credit companies.I want to know how are they investigating something that is no longer in the database? And E Oscar is not a legitimate companyI need this bankruptcy removed for it is defaming my name and credit just remove this obscenity from my credit report all three credit companies it was an error so just remove it from my report instead of making like your disputing it with a real company because again E Oscar is not legit.XXXX removed for. Third party agencies and I never gave no one permission to put nothing on my credit report no how so why be so nasty and trying to defame with this.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: One Technologies, LP (OH)

I gave personal information including SSN to this credit report website on XX/XX/2021, I am not sure if this was identity theft or not, the URL is suspicious. 

https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (DE)

My primary residence home has its only mortgage with CrossCountry Mortgage Company. The mortgage account has a Escrow Account with it. According to the term agreed by both sides, the Escrow Account only escrows property tax and does not escrow insurance. 

I received my property tax bill in XX/XX/XXXX, due in end XX/XX/XXXX ( see attached " XXXX XXXX XXXX XXXX '' ). I emailed CrossCountry Mortgage Company to remind them of the bill on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They assured that they were " scheduled to disburse your county tax payment to XXXX XXXX XXXX XXXX in XX/XX/XXXX, in the anticipated amount of {$3100.00}, from your escrow account. '' ( in their XX/XX/XXXX email, see attached " XXXX '' ) ; they would " electronically verify the final amount due before the next disbursement is processed '' ( in their XX/XX/XXXX email, see attached " XXXX '' ) ; and " it is not necessary to make a payment towards your escrow account before the upcoming disbursement in XX/XX/XXXX. '' ( in their XX/XX/XXXX email, see attached " XXXX '' ). 

However, I received a new property tax bill with past-due penalty on XX/XX/XXXX ( see attached " XXXX '' ), indicating that CrossCountry Mortgage company did not disburse my property tax payment to New XXXX XXXX XXXX in XX/XX/XXXX. I tried to reach out to CrossCountry Mortgage Company to resolve the issue, but failed to get their response. As a result, I had to mail a check with the payment requested in the new property tax bill to avoid any further delays.
Consumer complaint received 2021-10-31
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. (FL)

Good Morning, I have had my vehicle loan with XXXX XXXX for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. 

I sent a message to XXXX XXXX stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. 

Im in the Home buying process and this 1 late payment is now causing issues with my home loan. 

Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. 

Thanks in advance
Consumer complaint received 2021-10-31
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. (SC)

Showing a past due balance Under FRCA XXXX ( a ) I am disputing the completeness and accuracy of the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is accurately and erroneously reporting a 30-day late notation. I request an investigation into this.
Consumer complaint received 2021-10-31
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. (MD)

I XXXX XXXX XXXX is a federally protected consumer protected by the FCRA. Pursuant to 15 USC 1681a all consumer reporting agencies should report all accurate information across all three consumer reporting agencies, there shouldn't be any differences in the report. If an account is not reporting on a consumer reporting agency and not reporting on the other CRA you should block and remove them. I will attach my XXXX consumer report which will show the accounts that is reporting on Transunion and XXXX and they should be removed.I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by XXXX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history.Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. 
Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete.
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Debt has been secured and paid by 1099 C filling attached I have filled the 1099 A and became owner of this debt. 

This account is revolving and sent to the United States treasury XXXX XXXX estate
Consumer complaint received 2021-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On XX/XX/2021 it came to my attention I paid my prior mortgage company, in error instead of paying the mortgage company Dovenmuehle Mortgage XXXX : XXXX XXXX XXXX , XXXX . 
On XX/XX/2021 I spoke with company representatives XXXX and XXXX. I explained that on XX/XX/2021 I bill paid ( through the bank ) my mortgage payment, to them by mistake. I didnt know this had been done until I received my next months mortgage statement. I email a copy of the notice from the bank stating they had my money since XX/XX/2021. Both reps acknowledged receipt. XXXX XXXX said that on the XXXX a check for my payment was mailed back to me. 
I called again on XX/XX/2021 and spoke with supervisor XXXX ( older but compassionate, this will make sense in a bit ) she stated the check wasnt mailed until the XXXX. Now they not only have my money but supervisors are lying about actions. 
On XX/XX/2021 I spoke with another Supervisor XXXX ( younger and put on a much bigger show of concern and action, it was just a show no action was taken ) she put me on hold after I went through my situation for about the sixth timewhen she returned she stated I just needed to give my checking account number and routing number and they would ach my payment back to my checking account. Im like great lets do that ( this should have been done immediately or forwarded to the mortgage company they sold my loan to ) according to supervisor XXXX that is what should have happened. 
On XX/XX/2021 I spoke with supervisor XXXX she informed me that nothing can be done until 15 days after check sent out ( that would be XX/XX/2021 ). I asked to speak with her supervisor she said ok and a complete XXXX  named XXXX ( XXXX ) came on and validated supervisor XXXX information. When I asked what my other recourse may be he said there was nothing I could do but wait, I asked for his supervisor he state I have gone as far as I can go and he would not pass me on any further because nothing could be done until the XXXX. 
First problem is accepting money you know you dont have a loan for any longer ( they knew that since the XXXX per all supervisors I spoke with ). Yes, this was my error in the beginning but this company has made it a nightmare. Second is sending money back through the mail. I informed them that there is mail theft almost daily where I live. I asked that they put a stop payment on the check and transfer it electronically ( safer and faster ). If they actually sent it out on the XXXX it is still not here, I worry thieves may have gotten it already. The mail is slow but not that slow! I am terrified if I dont get the check how I will make up that money to meet my financial obligations.
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have been a USAA member since XXXX back in the winter of XXXX my identity was stolen and someone accessed my usaa account and figured out how to transfer money from an account that was attached to my usaa account however the money wasnt in the account that whomever tried to transfer it from so it caused several overdrafts in both accounts and ended up causing usaa to no longer do business with me which was extremely dissappointing. However i didnt authorize any of the transfers so id like usaa to allow me to use there services again and also credit my account for any overdrafts that may have been caused
Consumer complaint received 2021-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have been getting almost daily phone calls for months from some company called Portfolio Recovery Associates, LLC. They keep calling my number from many different phone numbers to prevent me from blocking them. I am on the National Do Not Call List and have reported them every time they've called my line. I am NOT in debt! I have received several calls from debt collectors for someone named XXXX XXXX XXXX, who I assume used to have my landline number. I've had this number for almost 3 years though, so if that's who this PRA outfit is trying to collect from, their info is years out-of-date. I emailed them directly and also contacted the XXXX  about this company and their harassing phone calls, which they forwarded to PRA, but the calls continue. I got one today. They call morning, afternoon, night, weekends, holidays, whenever, starting at XXXX XXXX. I just mailed them a cease-and-desist letter. I don't know who they think they are calling by calling my phone number, but I've told them plainly they are calling the wrong number!! The FTC should have all the reports I've filed with them about this unethical company and their repetitious, annoying calls to my home. They don't care that I'm on the Do Not Call Registry, that's obvious, but maybe the Attorney General of SC will make them care.
Consumer complaint received 2021-10-31
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. (DE)

This account does not belong to me. Neither do these inquiries- 1. XXXX XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX- XX/XX/2021 XXXX XX/XX/XXXX. 2021 XXXX. XXXX XXXX, 2021 XXXX. XXXX XXXX. 2021 6. XXXX XXXX XXXX , 2021 7.XXXX XXXX XXXX  XX/XX/2021 8.XXXX  XXXX XX/XX/2021 2021
Consumer complaint received 2021-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON. 

I have attached Identity Theft Reports from the FTC TRANSUNION has committed aggravated identity theft pursuant 18 U.S. Code 1028A This is not a request. I am invoking my consumer rights under the Fair Credit Reporting Act.

TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS.

The following alleged accounts are to be BLOCKED and DELETED from BOTH my Consumer REPORT and CONSUMER FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT. OF EDUCATION/XXXX - XXXX I have attached Identity Theft Reports from the FTC
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Showing a past due balance Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is accurately and erroneously reporting a 30-day late notation. I request an investigation into this.
Consumer complaint received 2021-10-31
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. (FL)

I contacted Experian by mail XX/XX/2021, to informed them they were reporting wrong information on my consumer credit report. Because of there inaccuracies it's hurting my potential to acquire a descent mortgage loan, it's hurting my credit worthiness.They 're reporting late payments on 5 accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Also I contacted XXXX and XXXX at the same time by mail. Both of those consumer reporting agencies changed course and corrected the discrepancy. Experian was the only consumer reporting agency, that continued to report inaccurate information. I tried calling Experian 2 more times this time by phone, XX/XX/2021 and XX/XX/2021. I was told the same information, that the accounts were investigated and is correct. I told Experian that XXXX and XXXX did the same investigations and it proved that I was telling the truth. XXXX and XXXX deleted the inaccuracies immediately. I reached out to all the accounts personally, and did my own investigation. Demanding that they send me documentation in writing, I received a letter from XXXX XXXX XX/XX/2021 stating " There are no late payments showing on the above-referenced account. '' Since that I have reached out to Experian and they still declared it is correct.