davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc. (IL)

Again, this fraudulent debt has been disputed with Payliance thru the credit bureaus several times. Their company name listed on XXXX is Cybercollect and Payliance on XXXX. So from now on all of my complaints with this company will be handled thru The Cosumer Finance or the FTC. I've attached my official statement of ID Theft for this account. If this isn't removed from my credit file I will go further with the process.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (KY)

To my dismay, on XX/XX/2019, through a declined purchase and later a follow up phone call I have found out that my accounts with Barclays bank have been closed. I would have appreciated the bank making me aware of their actions so I could have planned around this. As a loyal customer, who has paid their bills with the bank 100 % of the time, on time, and who manages their accounts judiciously I find this extremely unwarranted. I have called in and explained my position and the representatives are rude and callous and offer zero customer service in rectifying the situation. Not only will they not reconsider reopening my accounts as hoped, the rewards, miles/cash back that I have earned on my accounts they are unwilling to release back to me. Not a happy customer.
Consumer complaint received 2019-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

I have been paying my loans for years now and its only getting worse. I was paying XXXX which is almost all of my paycheck for two weeks. They call from unfamiliar numbers at all hours of the day. On XX/XX/XXXX they called me at XXXX in the XXXX. I picked up and the person on the line was rude and demanded that I give them money. I felt cornered, but I wasnt even sure if it was them because they call from a new number every time. Today I looked into a loan because they said I need to pay, and they told me that I had to pay XXXX dollars to go into forbearance. I feel hopeless when I call, like Im not really going to be helped, I feel like Im being coerced into paying more money than I have. They refuse to go below XXXX but thats still half of one paycheck. I felt like I was in a standoff.
Consumer complaint received 2019-08-01
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: Experian Information Solutions Inc. (AL)

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-31
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. (CA)

XXXX XXXX XXXX is currently data furnishing illegal, erroneous and outdated information to all major credit bureaus. I have sent three written demands ; Validation Demand, Estoppel Letter and Intent to Sue in hopes of obtaining a complete account history and ultimately correcting their records in order to correct the bureaus reportings. I have only received one letter in nearly 120 days of my attempts and the letter simply states they would like to speak to me. I have a legal right to complete my written request and keep all communication in writing. This company has violated the Fair Credit Reporting Act in multiple ways. I am in desperate need of having this account data corrected.
Consumer complaint received 2019-08-01
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: EQUIFAX, INC. (AL)

The following companies ran unauthorized credit inquiry on my credit report. Kindly remove the following as these are suspicious:XXXX XXXX		XXXX XXXX		XXXX XXXX		XXXX		XXXX XXXX XXXX,		XXXX		XXXX	XXXX XXXX XXXX	and

XXXX
Consumer complaint received 2019-08-01
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. (HI)

Account XXXX/XXXX XXXX showing as delinquent when its not. So much inaccuracy. 120 days late for each month? what is that? 30 days each month and its 120 days late? Ridiculous. This status is false and incorrect! CFPB step up and remove the 120 days late on XXXX/XXXX XXXX
Consumer complaint received 2019-08-01
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. (HI)

What is this so much inaccuracy on my credit report? 120 days late for each month? what is that? 30 days each month and its 120 days late? Ridiculous. This status is false and incorrect! CFPB step up and remove the 120 days late on XXXX   XXXX
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX, and XXXX, XXXX, while I was trying to set up utilities for the townhouse I was moving into on XX/XX/XXXX, Equifax ERRONEOUSLY reported that I had HOLDs or ALERTS on my account to XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX and XXXX ( XXXX ) I verified with Equifax representative over the phone and online that THERE WERE NO HOLDS or ALERTS on my account. But she refused to get on the line with the utility companies to straighten this out. She said I should tell them to have their people call Equifax Business Assistance line. BUT SHE WOULD NOT TELL ME THE NUMBER SO I COULD TELL THE UTILITY COMPANIES. I COULD NOT FIGURE OUT WHAT ELSE I COULD DO. 
I faxed additional identification information to Equifax as requested but heard NOTHING FROM THEM.
Consumer complaint received 2019-08-01
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: EQUIFAX, INC. (AL)

According to the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 and XXXX/XXXX XXXX
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

When I went to lease vehicle I was promised prior to the agreement that in a year they would cut my monthly payments in half. In addition to that promise they added on extra products that I did not request. I tried to go to the dealer to fix the situation. Any reasonable person would not have took the car off the lot without those promises. When I reached out a year to the date via text the dealer said it can still be done when I went in person I was told no and they tried to get me to buy the car to lower the payments so I told them to take the car. The ending balance on the vehicle was approx 19,000. Not the XXXX thats reported. The car isnt even market value for XXXX. Market value is between XXXX and XXXX. This dealer is in direct violation of the TRUTH IN LENDING CONSUMER LEASING ACT. Ive consulted with numerous lawyers and they all say the dealer acted illegally. The texts shows the dealer knowingly tricked me as a consumer whos never leased a car. They should not lie to sell cars and then try to make me pay an insane price when what they did to me was illegal.
Consumer complaint received 2019-05-23
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: WELLS FARGO & COMPANY ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX   reports
Consumer complaint received 2019-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My tenant sent me rent money via check from his Bank of America account. A mailbox thief got a hold of the check, signed it over to themselves, forging my signature, and cashed it at another bank ( XXXX ). The check total is {$1200.00}. 

I noticed the check had been taking too long so called my tenant. He called the bank and found out it had been cashed and immediately started an investigation. This check was dated for XX/XX/XXXX and cashed illegally on the XXXX of XXXX. The investigation started late XXXX, I believe the XXXX. 

I signed and notarized an affidavit that it was not my signature or authorization for someone else to cash it on the XXXX of XXXX and sent it two day air with an arrival of Friday the XXXX of XXXX to the person in charge of the case. 

It is now XX/XX/XXXX and I, nor my tenant who originally provided the check, have received the money back. I read somewhere that the bank had 10 business days from the start of the investigation to come up with a conclusion, and payment needed to be submitted back by the XXXX day. Bank of America told me they have up to 90 days to resolve it. 

I please need help knowing my rights to get my money from the bank. This money is to pay my mortgage so I don't get backed up. 

Thank you. 

XXXX
Consumer complaint received 2019-07-22
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. (MD)

Hello my name is XXXX XXXX this is now on my 3rd attempt to remove my sisters information from my Transunion report. I have disputed these items 3 times # Transunion dispute numbers XXXX and XXXX with no peril. I also have spoken with XXXX regarding the loan that are not listed under my name. Im at a critical point because I was scheduled to go to settlement/closing on my new home by XX/XX/2019. But with these items on my TransUnion report, it wont happen and I will lose over {$7000.00}. This is my twin sister information, we have a similar name and social security numbers and have been having a difficult time getting Transunion to remove the information in a timely fashion. Can someone please help!
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IA)

This is the second time in three years Dovenmuehle Mortgage is threatening to buy additional flood insurance on my condo and charge me. I have twice sent them the association flood policy on the building which is at full replacement cost which includes my unit, yet I got a second notice from them last week. As with two years ago when they bought a policy in my name and then cancelled I had to complain to get them to back off. The replacement on my cube of space would only be XXXX which is what my property insurance values the interior. The ACV is more than the replacement cost of the my condo. My loan with Dovenmuehle, which they bought, is for around XXXX which is what I think they want me to purchase. This can not be done since that insurance does not cover more than the value to replace. If I were to purchase a policy, which my agent say 's doesn't make sense it would be duplicate to the Association policy. I am sure they will tell you that they are only looking after my best interest per FEMA as they did last time. They say the may charge me so I am trying to get ahead of their threats. I have had problems with them in the past on this issue and escrow. They do not service their loans well that they purchase.
Consumer complaint received 2019-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I have attempted to file a online dispute several times with Equifax. I have called them and then they said they could not verify my identity. I am so frustrated at this point and cant take it anymore. XXXX had a simple dispute process thru XXXX XXXX and it was taken care of right away. I attempted the same with Equifax and had a horrendous experience!!!!! Equifax is terrible!
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have made several attempts to dispute 2 accounts and the company has not legally validated this debt. In response to my letters requesting verification they have responded with no details other than an alleged bill from the original creditor. The bill they provided me looks altered and fabricated. 

This company has reported that they did not acquire my alleged accounts until 2016. This complaint is for two separate accounts that were recently disputed together. This company has failed to validate this debt and therefor I would like both accounts to be removed off of my credit report.
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Bayview / XXXX XXXX XXXX XXXX XXXX are attempting to foreclosure with an assignment that is clearly fraudulent. The person signed after the cut of date of pooling and service agreement with SEC the alleged trust that is was placed in. The assignment was signed by a Lawyer that was actually the foreclosure Attorney in XX/XX/2010 he sign as President of XXXX. He was not the president of this company, therefore this assignment is tainted and fraud cant be the based of obtained a deed. I have also mailed s request for a loan modification and they havent responded. I also made calls and all had been to no avail.
Consumer complaint received 2019-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

I received notice from collection agency Calvary Portfolio Services dated XX/XX/18 about a debt they say I owe. I have sent Calvary Portfolio Services letters requesting validation of this debt under the Fair Debt Collection Practices Act, 15 USC 1692g Section 809. I mailed the first letter by certified mail on XX/XX/18 asking them to provide me with competent evidence that I have any legal obligation to pay them along with several items. Calvary Portfolio Services responded to my letters but did not provide any of the answers I had asked or properly validate the debt they say I owe. They only provided me with t of bills of alleged charges they claim I owe, which does not meet Federal Trade Commissions guidelines of what constitutes proper debt validation is. I responded with a second letter mailing it on XX/XX/18 requesting them to validate the debt and informing them of their violation of the FCPDA. I have included the letters that I sent to them requesting this information.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted to TransUnion a dispute about my XXXX account. I wrote a detailed letter and provided a full credit report highlighting the errors. I was notified today the dispute was complete so I pulled my report. Unfortunately, TransUnion did not meet their obligations under the Fair Credit Reporting Act. They did not provide answers to any of the questions that the dispute raised nor does it look like they actually investigated as the date of update is XX/XX/2019 which was before the dispute was filed. Therefore, I am filing this complaint to compel TransUnion to delete the XXXX account for inaccuracy as highlighted in my dispute letter.
Consumer complaint received 2019-07-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

Yes I have an Complaint filed to your complaint services starting back in XXXX of 2019 under my email address of XXXX .My name is Mr XXXX XXXX XXXX XXXX I also had XXXX XXXX  Ultimate Protect Package with All Three Credit Buruea ' s can I Have My Complaint add To the Eqafex settlement. Claim number # XXXX I also had added a Credit Freeze to my Identity in XXXX of 2019 with XXXX  and Had to close my Account in XXXX of 2019 because of Withdrawal From my Bank Account that Was Taken because of Data Errors.
Consumer complaint received 2019-07-31
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. (TN)

Although I do not owe this balance, I have reached out to the company to pay the balance because it is reporting negatively on my credit reports. No one will respond. I have now been able to download my paystubs that show the account was actually overpaid by a few dollars. I have faxed this information to the company but no response so far and it has been several months.
Consumer complaint received 2019-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

IhaveanaccountwithCitizensBankandhavehadthisaccountfor5+years.Ihadahousefireafewmonthsago,andmyhouseiscurrentlyunderrepairssoicanmovebackin.Whentheinsuranceclaimwasdisburseditwassenttomymortgagecompanythengetsreleasedinportionsaddressedtomeandmycontractor.AllhasbeenfineuntilnowwithCitizensBank.IwenttothebranchwiththecheckandthetellertoldmetoendorsethecheckFORDEPOSITONLY.ifollowedherdirectionanddepositedthecheckintheATMsothaticouldgetacopyofthecheckonmyreceipt.thenextdaythecheckwasnotclearedandaholdwasplacedonthefunds.Icalledcustomerservicenumeroustimesandnoonecouldgivemeaclearanswerastowhythiswashappeningtome,nottomentionTHISWASTHE2NDCHECKdepositedforthisinsuranceclaim.Thenireceivedalettersayingtheywouldholdthefundsfor45days!icalledagaintodayandwastoldthattheywillnotbeclearingthefundsduetoendorsementissues!theywillnotreturnmychecktomeandIcannothavemyfunds!HowcanabanknotcashmycheckandWILLNOTGIVEMYCHECKBACKTOME?Nowi'm2weeksoutwithoutthefunds.Ihadtocallthemortgagecompanystoppaymentonthecheckandre-releaseanotheronetome!
thishasbeentheworstinconvenienceever!ThecontractorsstoppedworkingonmyhomeatthispointbecausetheycanNOTGETPAID!ihavetomoveoutofmytemporaryhousingattheendofthemonthandIcan'tevengetmyhousecompletedtomovebackin,duetoCITIZENSBANK!MyfamilyandIwillnowbeXXXX!!!!!!
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/2019 XXXX XXXX also known as XXXX XXXX   XXXX XXXX XXXX XXXX, Ok XXXX, ( XXXX ) XXXX-XXXX ) reported delinquent rent on my credit report. ( I was a co-signer on a lease ). 
I filed an online dispute on XX/XX/2019, XX/XX/2019 and via phone on XX/XX/2019. I informed TransUnion about the violation. Since it is against the FCRA, 604. Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ] for an entity to view or place an account on a consumers credit report without a permissible purpose., I wrote TransUnion to inquire as to their purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with XXXX XXXX or any of their properties. On XX/XX/2019 I received a copy of TransUnion Personal Credit Report and a letter stating that the account has been deleted from my report. 

On XX/XX/2019 I reviewed the information that was sent to me. As you will see in the attached page of the Report under the Adverse Accounts, XXXX XXXX reported that the Account Type was an Open Account. The Loan Type is a RENTAL AGREEMENT. This information is important because it would indicate that TransUnion allowed XXXX XXXX to place an Adverse Account on my credit report without a permissible purpose. The Personal Credit Report also shows that the Adverse Account is still on my Report. 

15 U.S. Code 1681a.Definitions ; Rules of Construction ( 1 ) The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. 

Since the information TransUnion provided to me includes incomplete information they have not fulfilled their obligation.