davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

Due to COVID my husband lost his job, my account charged off I received several calls and emails. On XXXX XXXX I received and email stating my account was past due charged off not receiving interest or fees. That I could call and settle my account or even go on line to settle. I tried to log on line but there is not anywhere to complete a settlement for my account. I called on XXXX XXXX spoke to a representative explained my situation advised I could settle using my stimulus check and {$300.00} of my paycheck to give 50 % which is all I had she refused stated they could only accept 60 % {$2000.00} I explained I do not have that the 50 % was everything I had to resolve the debt not to argue anymore I advised I would resolve when she would be able to accept what I had. The very next day XX/XX/2021 I received the exact same email along with calls again. I returned the call talked to XXXX if XXXX and explained I just spoke to someone the day before explained again the situation the rep refused to accept my offer stated all could do was 60 % I asked her to not email me anymore and not to call me I also asked to speak to a supervisor to help me she left me on hold came back said there was not a supervisor available I advised her I would wait for one she put me on hold several minutes then I spoke to XXXX Id XXXX as a supervisor explaining again my frustration and that I am just trying to resolve this with what I have available {$1700.00} he refused said best could do was {$2000.00} I asked to speak to his manager he advised me that his managers do not take calls so he is all I have. I asked for contact I formation to the corporate office he gave me the address of XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX on XXXX XXXX I called corporate office talked to a representative he stated he would transfer me to someone that would help me resolve my situation he transferred me to collections to XXXX XXXX Id XXXX who argued with me about the debt said I would be calling him back I explained to not call me anymore that he is not helping me resolve my account. The very next day I received another call from them again. I called them back again explained to them I have a do not call on my account and used them they are not willing to accept everything thing I have to offer to resolve this there is nothing more I can do I advised the representative again they need to stop calling my phone numbers
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (WA)

My complaint is against the western union company, more than a year ago I have asked for the shipping history, which during the last five years I have done.This company has opened several cases, during which they ask me to fill out forms to send copies of my identification, which I have done repeatedly, after a few days they close the case, and then they open another arguing that the information is not complete, in the form they ask for my personal data, a copy of my identification and my address which I write on the form and it is also in the copy of my identificationSince 2020 I have sent the same form, without getting a response about my shipping history, I have a legal prosecution in my country with money that I sent for 5 years, which is why I need this history, the wester union company has ignored my petition, and it has made me waste time and money, I need your help to receive the information that I am requesting, I can not keep waiting and that wester union only opens and closes cases.
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am writing this letter to disclose the services were not rendered to me on or about XX/XX/2021. XXXX XXXX XXXXXXXX deducted a total of {$4400.00} out my account ending in XXXX, when I arrived for my appointment it was canceled. I had a XXXX XXXX completed on XX/XX/2021 per my XXXX request. This procedure required a medical clearance from my physician which she had stated I was in fact cleared. I have attached the letter. Even in goals contract ( see attached ) this condition isnt not a reason to cancel an appointment. Goals have list the reasons to cancel an appointment there for the reason was not listed. I believe my appointment was canceled and my money was stolen and applied to someone else account. This clinic is operated by unregistered employees that are not medical assistants who doesnt have a license with the State of Georgia. I asked to see credentials and was asked to leave. There were unsanitary bags outside of the trash cans. This company is a scammed and I have read when clients appointments have been canceled multiple times and money was stolen and never returned. Bank of America has received my documentation and they will not issue a temporary credit for the fraudulent charges on my account. I am not being treated fairly. My account was drained and I literally dont have anymore money.
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

This has been an ongoing problem. Prior to my current lender, NewRez, LLC ( c/o Shellpoint Mortgage Services ) obtaining the loan I did a refi on my mortgage. Then before making a first payment XXXX XXXX sold the loan to NewRez. 
Since the refi was in XXXX both former lenders collected and paid the XX/XX/XXXX property tax installment. 
In XXXX I discovered that the County did not refund the duplicate payment but rather attributed it as early payment to the XX/XX/XXXX installment. 
In the mean time, NewRez has been collecting {$520.00} in escrow monthly to cover mainly taxes, as well as roughly {$130.00} homeowners insurance monthly. 
The escrow account balance continues to grow as they never paid the XX/XX/XXXX taxes ( since it was already paid by duplicate XXXX installment ). However, they have not returned the money but rather are keeping it indefinitely in the escrow account. 
The current balance as of XX/XX/XXXX statement is {$4900.00}. 
I have reached out over the phone and the rep told me to go to their website and request an escrow analysis. I have done so three times without successful resolution. 
I keep getting similar responses, such as " we are waiting for a refund from the county '' ( False, the property taxes we NOT paid by NewRez. Not refund expected. ) or " we can not do an escrow analysis on the account at this time. '' or " It will be done by end the XXXX ''. Then I reached out again at the end of XXXX and was told it would be done by the end of XXXX. 
The bottom line, I am being strung along and they are wrongfully retaining funds I am entitled to receive since XX/XX/XXXX.
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (MO)

On XX/XX/XXXX received an unsolicited and unauthorized email from Resurgent Capital Services claiming I owed a debt from XXXX. I replied to that email asking for a cease and desist and fraud handling. I also asked for no further calls, emails or letters. This debt is also past the statue of limitations and whatever the original creditor was, as they are now out of business, sold this alleged debt. 
On XX/XX/XXXX I received a letter from the same company violating the cease and desist that I gave in writing. When I called to ask why XXXX and XXXX could not help or tell me why this letter was sent and could not give me information to contact their legal counsel, consumer advocates or any other department that could review this. I was told if I wanted to know then I would have to remove the cease and desist.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/2022, I opened an account with XXXX XXXX COMENITY BANK to pay off a Engagement ring monthly. My credit shot down XXXX points. I owed {$1000.00} to begin with and now only owe {$460.00}. I have made on time payments every month, paying more than I owed every month. My credit score is not reflecting this since they are not reporting to the credit bureau. 

I need my credit score to reflect my on time payments to comenity bank.
Consumer complaint received 2021-06-21
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. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-05-06
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: CITIBANK, N.A. (TX)

I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report. 

All inquiries names listed below in EXHIBIT B are fraudulent. These inquiries were pull without my knowledge, nor my permission. According to section 605B of the Fair Credit Reporting Act, those fraudulent inquiries names listed in EXHIBIT B are due to identity theft and shall be remove from my credit report
Consumer complaint received 2020-05-06
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. (NY)

I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with Equifax, XXXX and XXXX  my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my XXXX  XXXX card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet Equifax and XXXX  are not helping me resolve this issue. Thank you attached are my current account balances for both XXXX  XXXX cards with the amount available.
Consumer complaint received 2019-10-03
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. (GA)

Hello. I had to contact the FTC and police because of fraud. I ran my annual credit report today and discovered items on my credit that are completely foreign to me. I am planning on buying a home soon. I have absolutely no idea what these items are and would like them removed as quickly as possible. Two items don't even have names attach to them only account numbers. 
Item # 1 Unknown ( account # XXXX ) item # 2 Unknown ( account # XXXX ), XXXX  XXXX, XXXX XXXX.
Consumer complaint received 2022-06-30
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. (GA)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF ED/XXXX XXXXXXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, OHIO XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXUS DEPT OF ED/XXXX XXXXXXXX
Consumer complaint received 2019-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Money transfer were initiated and supposedly cancelled by XXXX : 1. XX/XX/XXXX- {$1900.00} transferred on XXXX app initiated by me, but cancelled by XXXX   after funds were removed from my account. Notified by XXXX on text regarding a refund that will occur back to my account in ~5 days 2. XX/XX/XXXX- {$2000.00} transferred on XXXX  app initiated by me on XXXX  app , but received cancellation notice from XXXX  after the funds were removed from my account. Notified by XXXX on text regarding a refund that will occur back to my account within ~5 days. 
3. XX/XX/XXXX- {$1900.00} transferred by me on XXXX  app and received notification from XXXX  that the daily max is {$1000.00} and that I will receive a {$900.00} refund to my account. 
I never received any of the {$4800.00} to date. My bank chase has not been helpful in recovering funds.
Consumer complaint received 2021-06-21
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. (FL)

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management , Inc has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

This was a XXXX XXXX account. It was a business debt, XXXXXXXX XXXX never produced a signed contract, it was not labile. Also, the account is being re-aged. I DEMAND : THE DEBT BE FORGIVEN AND THAT MIDLAND SENDS A RELEASE OF LIABILITY TO MY EMAIL. 

Account information below : Account number : XXXX, date Opened : XX/XX/2020, credit Limit : {$2000.00}, original creditor : XXXX XXXX XXXX XXXX XXXX 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Re-aging account Reporting account without a signed contract with original creditor. Negligence Unfair business practices Based on all the damages and violations that I have been through I demand to get the account removed from my records. I give you a deadline of 30 days to delete the account from my reports and a release of liability.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc. (MI)

About a year ago someone had made an XXXX account pretending to be me. They somehow got my XXXX account and debt card info. At some point i got an email about my account being charger and called XXXX about it. XXXX was the rep i talked to. He assured me the account was deleted and told me that no payment would be collected and to delete my paypal account. So i did, now I have a bill from the a debt collection office ( RFGI collection ) and they are requiring me to contact you guys.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On my credit are a lot of things opened by my parents that wasnt from me. Some things I wasnt even old enough to open and or have no knowledge that was used in my name and its causing me problems now with trying to get apartments and things.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-01-02
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. (AL)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 120 days late.
Consumer complaint received 2019-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: College Assist (CO)

XXXX XXXX XXXX has now called my place of employment, my family members, and former employers to communicate to them my student debt. As far as I know this is a breech of privacy and against the law. XXXX XXXX is the agent making these calls.
Consumer complaint received 2019-02-06
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. (TX)

I have been a victim of identity theft and have tried to resolve this issue several times by calling Equifax but the information remains the same. I have valid police reports to assist and filed a report with the federal trade commission regarding identity theft. I am asking that Equifax removes this information from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

There are two Hard Inquiries on my Equifax Credit File that I did NOT give permissible purpose to pull as required by law. 
XXXX XXXX on XX/XX/2019 and XXXX XXXX XXXX XX/XX/2019. I have been a victim of Identity Theft in the past and I imagine this is where the XXXX XXXX inquire came from and the XXXX XXXX XXXX was never approved by me to do a Hard Pull. I have had accounts with them in the past. They should have done a soft pull only if they needed to service an account or look into my credit file again. I did not agree or approve this Inquire. 

Also my name is XXXX XXXX XXXX I have requested that they correct it also. They keep reporting XXXX XXXX and leaving out my middle name. This has caused problems in me obtaining the correct score in the past.
Consumer complaint received 2020-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

for the lift of my loan my lender has been tacking on late fees when payments have been made through auto debit. I don't control when their auto debit goes through, yet, I still get late fees.