davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I received a response from the 3 reporting credit bureau 's XXXX, Experian, and XXXX  that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.
Consumer complaint received 2020-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I received a response from the 3 reporting credit bureau 's XXXX, XXXX, and Transunion that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

XXXX  and Transunion should not be reporting me as a authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (UT)

CBA - XXXX is reporting on my credit for XXXX XXXX XXXX XXXX and I looked them up, I have never done business with them nor did I have an account. I have had mixed file issues with my name and this account is not mine.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XX/XX/XXXX my account was closed and my available funds were taken with out no notice or explanation. They flagged my account with little information on why they want to verify my identity which I have fax documents to XXXX I have called them numerous times with no help at all my benefits continue to be paid out every week but no destination to an active account. They don't want to resend me no new card. I'm left with silence and despair with no clear direction in resolving the issue I file complain towards bank of America and Arizona DES for partnership in this. I was able to verify DES has received my documents but held to reverse their actions.
Consumer complaint received 2020-07-24
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. (WY)

Equifax and XXXX  should not be reporting me as a authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-07-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I applied for and was able to open a XXXX savings account with XXXX promotion code that was to give a {$500.00} bonus if I funded the savings account with XXXX and kept the money in the account for 90 business days. I funded the account with {$50000.00} but on the 70th business day, I received an email that the account was going to be closed, per the Capital One representative for " business reasons '' after the only activity on the account was the accrual of interest. So 20 days short of the money sitting in the account for long enough to earn the bonus, Capital One decided to close the account. This feels like a bait and switch - nothing happened to my credit report or the account itself, yet Capital One pulled the " we can close your account at any time '' clause to effectively deny the promotion which was the bait to open the account. I contacted them on the day I received the closure email XXXX, and they said a letter was sent in the mail about the closure reason. I waited for 10 business days, and still not in receipt of the letter describing their decision, I called on XX/XX/XXXX. They reported the escalation would expect to have a resolution on XX/XX/XXXX. I still heard nothing, and called on XX/XX/XXXX, only to be told that no letter would be sent ( odd that they couldn't resend the letter they purportedly sent out on XXXX ), and that the account was closed for business reasons and there would be no further communication other than that. 

Basically, they kept my money for XXXX of the required 90 days, and then denied the promotion bonus of {$500.00} for closing my account for business reasons. I propose that business reason was to defraud a customer of the bonus to be earned by closing the account before the bonus would post.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Paramount Recovery Systems, L.P. (TX)

Yes, Approximately two to three months ago a collector by the name of Paramount Recovery Service was harassing my job with unwanted phone calls, stocking my place of Residence and harassing me indirectly. Onced I figured out why I was going through trouble with my job, my place of stay and indirectly being harassed from Paramount Recovery Service. Paramount Recover Service sent me a bill in my mail box, which, I dont know how it received my place of stay I phoned Paramount and explained to the lady working the phone that, that bill was disputed over five to six years ago for the fact that I had insurance and it was canceled by the insure at the time I was seen a doctor and please stop harassing me indirectly ; but still Paramount is starting it up again with the harassment and posting it on my credit report as well.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

I refinanced my house with Freedom Mortgage last year and the refinancing was closed in XXXX, 2019. There was a 2nd on my house with XXXX, and they were supposed to record to keep Freedom to be the first. They haven't recorded the subordination agreement so XXXX is the 1st lien holder now. Due to XXXX is being a first lender, it's holding my refinance process. I've reached out Freedom Mortgage numerous times by phone calls and emails and I even reached out the company who was responsible for closing of my loan at the time to obtain a copy of recorded subordination but they kept sending me unrecord sub evidencing that that was the recorded doc and they closed the case. I had to reopen the case 3 times. I even contacted the loan officer who work on my refi. None of them provided or contacted me with any updates until now. 
I have been calling them once a week since XXXX. I have decided to elevate this issue to you. 
Please see the attached emails that I communicated with the Freedom Mortgage, closing company and the loan officer. You can reqeust the phone calls from Freedom as they are required to record the conversation. My case was open in early XXXX. 

Thank you.
Consumer complaint received 2020-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2020-08-25
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. (GA)

This account is more than seven years old US DEPARTMENT OF EDUCATION ( CLOSED ) at XX/XX/2013 I asked the credit bureau to look into. They just sent me a generic answer,
Consumer complaint received 2020-06-29
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: TD BANK US HOLDING COMPANY (NY)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MI)

Both me and my wife were laid off do to the Coronavirus outbreak and I called Citibank for days and waited on hold for hours to get a customer representative on the phone. Finally today after a wait of 1hr and 35 minutes on hold a customer representative answered the call. I explained our current situation to her and asked to have the credit card payment that is due on XX/XX/XXXX to be deferred, her answer was We dont have any type of guidelines in place right now to help you with a payment deferral, call back on your due date and see if have one then. Is just mind blowing that Citibank is not willing to help their customers in this time of great need. All the other major banks in the US and around the world have stepped up and are helping their customers but obviously not Citibank.
Consumer complaint received 2020-07-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

Hello, I own a house and have a FHA loan from Umpqua bank but I am not currently behind with the loan yet but as the paande If continues and situation at my work is been getting tight. I wanted to seek help to refinance my current loan. My Kia always lender bank is not listening to my issues and saying theres no help from federal to help us. 

XXXX. XXXX
Consumer complaint received 2020-06-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I applied for the loan XX/XX/2020 $ XXXX {$25.00} interest+ {$75.00} processing had just had XXXX. Asked the processor about payments and interest rate was quoted wrong rate .08192 % his answer was he didn't have a calculator. Made scheduled payment of {$150.00} XX/XX/2020 and another {$100.00} XX/XX/2020. Principle balance on line showed as {$350.00}. On XX/XX/2020 he interest rate changed and they reduced my line of credit. Called on XX/XX/2020 agent stated rate as .08192 % no calculator, no accounting department and no supervisor. According to Virginia statutes the interest rate applied is usury and 10 % is the cap. On XX/XX/2020 I paid $ XXXX {$35.00} interest and informed CashnetUSA that acceptance of my payment acknowledged payment in full. I contacted the XXXX and Cashnetusa stated I had no account. I have received calls, emails and a letter. I am unemployed because of Covid19 and at high risk XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NJ)

Southwest Credit Systems continues its attempts to collect a debt that I have disputed multiple times with them and 9 other collection agencies representing t-mobile before them. 

I was never mailed a notice that they were attempting to collect a debt from me. I first saw this on my credit report and immediately filed a written dispute notice with their company. 

The second time it was disputed when they called me and violated the written request for a do not call order and to have all communications in writing. 

I sent a third request through credit agencies XXXX months ago and have not received a response but they are still actively pursuing a false debt!!!
Consumer complaint received 2020-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (IL)

I applied for a loan modificaiton onXX/XX/XXXX. I clearly marked on the application that I have a decrease in household income. I was told I need to send them proof to show how my income decreased. 
Since I am self employed, I sent them 3 months of bank statements from XXXX to XXXX showing the decrease of business income with a letter explaining this. 
When I called to follow up, the very very rude representative said that I did not show documents that my household expenses increased. I told him again and again, that was not my hardship. I never marked that. I indicated that my household income decreased and provided bank statements showing as such. 
He did not assist me and on top of it, my application was declien onXX/XX/XXXX even though their original letters said XXXX XXXX XXXX i SENT these documents prior to that. Now I am facing losing my home which I put a lot of work into. I put in solar panels for energy saving
Consumer complaint received 2020-08-25
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. (GA)

This account is more than seven years and investigation is taking more than 30 day for this negative account on my credit report US DEPARTMENT OF EDUCATION ( CLOSED ) xxxxxx XXXX  {$5500.00}
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (MD)

I have received your response regarding my account with you, but it I disagree. I have proof that Santander Consumer participated in illegal activity. I went to pick up the car in XX/XX/XXXX, however was told to return it if u couldnt pay more money ( yo-yo sale ). I have proof that the documentation you submitted to me has been altered as I have the original copy with me. I ask that my account be deleted and closed from my credit reports. I do plan to seek legal action if necessary. 

Date : Vehicle : Amount Financed : APR : Term : Monthly Payment : Dealership : XX/XX/XXXX XXXX XXXX XXXX {$17000.00} 25.94 % 72 months {$480.00} ( first payment due XX/XX/XXXX ) XXXX XXXX, XXXX XXXX : CFPB Case No. : XXXX Santander Account No. : XXXX
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX - Equifax partial account number XXXX and XXXX  partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2020-08-25
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: Experian Information Solutions Inc. (OH)

On XX/XX/2019 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 I'm being taken advantage of and being ignored of my disputes. 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 have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MO)

I HAD BEEN CONTACTED BY XXXX XXXX  XXXX NOTIFYING ME OF AN ACCOUNT OPENED UNDER MY NAME SOCIAL AND INFORMATION. I STATED TO THEM THIS DEBT DIDNT BELONG TO ME THEY INSISTED I PAID. I ASKED THEM FOR PROOF VALIDATING DEBT THEY SENT ME STATEMENTS. I TOLD THEM THAT I NEED PROOF BEARING MY SIGNATURE WET INK. NEVER HEARD BACK FROM THEM THEN MIDLAND SEND ME A LETTER THROUGH XXXX STATING THEY WOULD SUE ME FOR THIS DEBT. THEY CALL ME OVER ONES A DAY AT DIFFERENT TIMES OF THE NIGHT. THEY'VE CONTACTED MY BOSS, AS WELL AS RELATIVES, TRYING TO SPEAK TO THEM ABOUT THIS FRAUDULENT TRANSACTION.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been asking for the funds I deposited to be returned to me. The bank is holding my {$700.00} and I need them to make my payments. I put in a request to get the funds available and I havent had a response that should have lasted 24-72 hours according to the person the placed it. I am already impatient because the bank closed the account for fraud. They are hold my money that has already cleared this check is money I need.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2019 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 I'm being taken advantage of and being ignored of my disputes. 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 have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (NJ)

To Whom it concerns : Hi, I have a credit card account with TD Bank card service through the furniture store XXXX XXXX XXXX. I bought a XXXX dollar furnish last XXXX with the free APR finance for half year. I arranged the automatic payment to pay the balance in full in six months. but due to the operation problem from my bank. so i missed the last payment to pay the balance in full, which is about XXXX dollar. now they charged me over XXXX dollar interest on my account. this is not fair charge with only XXXX dollar balance. during the covid-19 ciris, people can delay their payment. I continued to make payment. the XXXX dollar int charge is not fair. I expressed my concerns to TD Bank. they did not want to reduce the int charge. 

Best
Consumer complaint received 2020-08-25
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. (GA)

I have an account XXXX XXXX. I have challenged this account and gave them evidence that this account over charged and XXXX   motivated when opening this account. The seven years have arrived and this account is over the staute of limitation as I live in Georgia ( 6 years ).
Consumer complaint received 2020-06-29
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: Experian Information Solutions Inc. (NY)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.