davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mirand Response Systems, Inc. (VA)

XX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of a XXXX XXXX   overdraft of {$700.00}. The associate was extremely rude and used communicative tactics that were definitely out of compliance as well as bullying verbage. 
XX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of {$700.00} overdraft. Once again the same young lady was EXTREMELY rude with her verbal tactics. She asked me questions that I answered without hesitation but was not happy with me stating I was paying the debt directly to the bank. She commenced to state " it's too early for you to be this rude ''. I hung up and called back and specifically asked XXXX for a Manager. I was forwarded to XXXX XXXX XXXX # XXXX who informed me he was not a Manager, but a supervisor. I clarified his statement by saying " A floor Supervisor is a Lead, not a Manager '' and I requested a Manager once again. XXXX XXXX  stated the Manager, XXXX XXXX, was not available and would call me back. Due to the fact that he was also tiptoeing on the line of lack of professionalism, I requested to speak to Human Resources or the individual with stature above him that was currently present and was again denied. XXXX stated that the company protocol was to speak to a manager before anyone else. When I reconfirmed there was still no Manager per his advisement so I needed to speak to a higher ranked individual, he repeated company protocol. I then asked XXXX XXXX # XXXX what date was the quoted handbook created, updated or revised he could not answer me and began to state I'm asking for information that has nothing to do with my debt. When I asked XXXX why he couldn't process my complaints, he stated a Manager has to do that which I know to be incorrect as a former XXXX XXXX in the XXXX XXXX of a XXXX XXXX XXXX. I plan on filing a lawsuit against this company in the near future as well as filing additional complaints with the XXXX XXXX XXXX and The Attorney General.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to live in XXXX for a year and I paid off my credit card in full. I asked the represetantive of Bank of America to make my Payment in full but did not include the residual interest. Since I left thinking I paid off my account, my account became past due even though I thought I paid off my account. Bank of America did this to allow me to incure more fees and income my credit. Thank you
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I hope this note reaches you well. I recently have been trying to borrow credit for one of my four businesses. Though, I have a bankruptcy on my account which is false. I have been trying to have this removed for some time. It has been removed from 2 credit bureau 's but still on one, TransUnion. Therefore, I am unable to do my regular business transactions now. I'd really like to borrow money for my business and only have this single issue with my credit. I could borrow in the future since I'm a reliable borrower and pay back my debt. Though this negative remark on credit report hinders me doing business. I truly am a responsible person. I would really love the help in resolving this matter as soon as possible. 

Thank you. 
XXXX XXXX
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I received an updated credit report today from experian. My dispute with them did not fix errors on my report. I am uploading a copy of the accounts they are still reporting and also uploading proof from XXXX  credit reporting agency that these accounts were deleted off my report after there investigation. If experian did a true investigation they would receive the same response as XXXX  did. ( to delete off my report ). Having this wrong incorrect information reporting is affecting my credit score. I am seeking for experian to do the right thing as they are messing with my credit by not deleting these accounts that do not belong reporting. Also XXXX XXXX XXXX does not belong on my credit report as well. I am submitting proof these accounts were deleted from equifax credit reporting agency. Experian please stop just updating the information and do a true investigation this has been going on for months now. This is my credit worthiness.
Consumer complaint received 2018-10-02
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: Experian Information Solutions Inc. (TX)

I sent in several written notices to XXXX, XXXX, and Experian within the last year stating identity theft/fraud was committed on my account. The fraudulent accounts were never removed. The amounts in question are {$3700.00}, {$1900.00}, {$680.00}, {$620.00}, {$450.00}. I have obtained a police report as it pertains to identity theft.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

USAA repeatedly attempt to contact be regarding the debt of another USAA member. I repeat : I was not the individual responsible for the debt. In fact, it was only by relation that USAA continued to harass me for the contact information of the debtor. I repeatedly requested that the harassing phone calls stop. Over a period of about 12 months, USAA continued to make harassing phone calls. They started up again recently and continue to this day. They need to stop and I need to be appropriately compensated for the huge amount of time I have wasted and the expenses I have incurred in my attempts to stop these harassing phone calls. I am a good paying customer of USAA : this is no way they should be treating anyone, let alone a loyal customer. Stop the harassing phone calls.
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I have personally banked with Wells Fargo for 30+ years. I also have 3 businesses with more than $ 15million in annual transactions flowing through Wells. 

They have decided to endorse XXXX for web transfer of funds On XX/XX/2017, my wife identified some tickets she would like to a football game. I connected with the seller and asked them if we could see the tickets. They mentioned that they use XXXX from Wells Fargo which has fraud protection. 

Checked with Wells and yes ... they do approve XXXX. I was told that there is a delay before funds are actually transferred to ensure it is not fraud. We transferred and asked for the tracking number. The seller did not provide the tracking number so I reached out to Wells Fargo and XXXX immediately to block the transaction. There were no return calls or emails from XXXX and Wells customer service knew NOTHING about XXXX. They could not help me at all. Days went by and the Wells or XXXX did nothing. The cash was transferred after 48 hours of absolutely NO help or fraud actions from Wells Fargo or XXXX. 

Bottom line. Wells is doing NOTHING to protect long-time customers from this type of fraud. I reached all the way up to executive VPs at Wells and got absolutely nothing. Even after my 30+ years of loyalty as wells as moving my businesses to Wells . 

It is clear the direction I should take my personal and corporate banking. XXXX should be shut down.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Complaint regarding ChexSystems, Inc The 'Inquirer being XXXX XXXX XXXX XXXX , of an Inquiry Date of XX/XX/XXXX. The Reported Information from Check Systems in Form Request prepared for XXXX XXXX XXXX # XXXX. 

The Escalated ' Concerns for Old Information reappearing As ' Reported Information by CheckSytems. I have a 'good repoor ' with the Source of Information As ' XXXX XXXX XXXX . I  was Assured by the XXXX XXXX  President 17 Months Ago that ' this Issue was Resolved. On XX/XX/2018, I ' informed the XXXX XXXX President that ' yet, again there was Old Information still being Reported through CheckSytems. 

Additional Information ' on the Check Systems Report claims ' that ' XXXX also, received this Information, but upon checking with XXXX this is not. true on 'all XXXX Reports. 

Since, CheckSytems refuses to Remove this Information from their Database, And I feel that ' the Information is being used for Identity Theft, I would like to further the Compliant ' with Investigation. 

In a 'gathering of data ' I ' have provided Documentation that ' the Debt of Merchant Disputes were the Negligence of XXXX XXXX Dispute Department , and the Debt was Resolved. 

CheckSytems, XXXX XXXX  and numerous Merchant disputes offers 'Explanation to Continuing Identity Theft, Domestic Finance and Continuing Domestic XXXX being Investigated by, the Federal Bureau of Investigations as well As ' recent and past Compliant ' submissions to the FTC and the CFPB. 

Check Systems also, provided the wrong address recognized by the FBI As ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I have two different mortgages on a farm and a rental property. I have made payments on my loans online every month with any additional leftover money paid toward principal. Starting in XX/XX/XXXX I  had noticed that Well had been placing money into an unapplied funds account instead of toward principal. I had contacted them twice with continued problems. I finally contacted the cfpb last and was told the problem had been fixed and the case competed. I have tried to make a payment again on my account and AGAIN it has gone to unapplied funds. They are holding money and being paid on this money in interest. This problem has not been fixed.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (NY)

I applied for a Discover card a few days ago online at : https : //www.discovercard.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I did this for the 0 % financing on balance transfer for 18 months.

I liked this offer and applied. I was accepted and a screen popped up saying I was approved for 0 % financing up to 18 months for up to {$7500.00} on balance transfers.

Now I go look at the account online and Discover changed the terms to 10.99 % financing for 14 months with 3 % transfer charge.

I received the account and have good credit at XXXX, but no reason given for the 'bate and switch ' of promotions.

I have chatted with their representatives online, and they refuse to honor the agreement, and can give no explanation why.
Consumer complaint received 2018-02-27
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. (PA)

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/2016 I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-03-01
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Texas Guaranteed (TX)

My loan was escalated improperly in XX/XX/2016. In XX/XX/2016 I called XXXX to secure a deferment as I was unemployed and receiving UE benefits, Food Stamps, and XXXX. I was only offered a Debt Consolidation for those loans. I was unable to accept that option based on research I had done. I advised I would call back after I started work. I called back in XX/XX/XXXX. Although, I had just started working, I attempted to make a {$50.00} payment. The representative said I needed to make {$150.00} payment and could not accept my payment. I was never offered an option to Rehab my loan. I remained in default and continued to live check to check. The other student loans I have with another servicer were with XXXX and were in forbearance/deferment. I have opened every singe communication I had with XXXX. I am not disputing what I owe however I only made XXXX last year and mounting medical bills due to an ongoing condition. I was never notified my loan would be accelerated to the Treasury Department. When I called XXXX last week, I was told they send out a letter in XX/XX/XXXX. They had the correct address on file, as they always have. I asked for a copy of the notification for garnishing my tax return. Not only did they say the couldnt provide, but they also said they had no record of me calling back in XX/XX/XXXX when they declined to take my payment. I talked to XXXX, the manager and he was very condescending. I advise there would have be no reason for me not to have been in some kind of deferment since I was and are still on government assistance. I am now working full time, but I am just barely catching up from being off work. I am also facing eviction because my taxes were taken. I know the government does not require notice if they are taking something, however the servicing contract XXXX has with the government should include proper acceleration of a loan to allow the borrower in financial difficulties to cure. Again I add, I have been on deferment with the other loans I currently have with a different servicer and there would have been no reason whatsoever for me not to have been on deferment or forbearance with XXXX. This should have never escalated to this point. XXXX falsely notified DOE/Treasurer that I was not trying to cure to the point my income taxes were taken.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

2 Citibank Credit cards were stolen and used without permission from my Dad who was XXXX and XXXX from XXXX. My father was in the hospital during the time of these uses, and had no access or mobility to use the cards. There was no authorized users listed on the credit card accounts. I have proof that my Dad had no way to utilize these cards during this time period. A fraud alert was initiated on all 2 credit bureaus, and the problem was called into the credit card company. A fraud investigation was initiated. Dad XXXX   several days later. The credit card company instead of investigating the fraud put this account into collections. The collection department stated the estate MUST pay the outstanding balance, ignoring the fraud alert/investigation. The investigation stopped and the collection department is demanding full payment.
Consumer complaint received 2018-02-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (GA)

Hi I'm a Consumer. I'm sending this complaint to inform you that Ocwen Loan Servicing, LLC along with XXXX XXXX , XXXX where given notices of dispute to verify, and validate the alleged account that they are try to collect on neither financial institution can provide Original loan level documentation with blue ink signature to prove it. I the natural man specifically denied that account or any attempt to establish an account stated, by both parties. I own a private home NOT real property. I have no mortgage those signatures they have on the documents they have been sending me Do Not have my authorized signature on any of those alleged certified copies they have been sending after every demand I made for a verification and validation of the alleged debt ; with a sworn statement under oath from the original creditor, both parties can not provide it. Both parties are breaking several consumer law. Both Ocwen Loan Servicing, LLC and XXXX XXXX XXXX XXXX are breaking several FDCPA laws, FCRA, laws, and Truth in Lending Regulation Z laws. By claiming they receiving my information from a known source and can't provide proof, is my belief that there is identity theft, money laundering, and maybe tax invasion going on by Ocwen Loan Servicing, LLC. Which XXXX XXXX , XXXX choose to represent, which makes them indirectly debt collector try to assist Ocwen a Debt Collector to collect on a debt that they can't provide validated proof. I reject that alleged account. I have no real property so this alleged foreclosure that both parties are threatening me with needs to cease. I know that both parties are financial institutions and may be violating the Grand Leach Bliley act. I have been building my case for the last 8 months disputing back and forth with Ocwen Loan Servicing, LLC. Please look into my complaint and assist me on this matter. XXXX XXXX , XXXX also is falsifying in formation with wrong dated and claiming that they have sent me these letter certified, which I can prove they hav n't. Thank you in advance for looking into this matter. I would like a full break down of your investigation, and what procedures that you use to investigate both parties. Thank you again for your assistance.
Consumer complaint received 2018-10-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Rushmore Loan Management Services purchased my HELOC from XXXX XXXX. I have received no statement from Rushmore, and they have put me into collections. I do not know how much I owe. After talking to them yesterday XX/XX/XXXX, they told me I would not owe penalty interest or late fees. Today, they are calling me accusing me of not paying, and telling me that I am in collections. They also claim that statements are " optional, '' and not required for debts owed. They have been and continue to be rude and treat me like a debtor. They also continue to call my wife, who is not on the loan, even though she has provided them other phone numbers. Additionally, they did not verify my identity prior to attempting a debt ( although I did not know what my payment was ).
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hired a company to work on my credit in XX/XX/XXXX. I initially put a fraud alert on my profile because I did not want anyone to continue to use my personal information like before. ( My wifes purse was stolen and it had my personal information in it. ) I recently ordered my credit report and noticed that once again someone is applying for things using my information. How is this possible when I have a fraud alert and it specifically says to call my number in order to have my consent before running my information? I feel like this is a violation and the credit bureaus arent doing anything to protect my information. What is the purpose of a fraud alert if my information can still be used without my permission?
Consumer complaint received 2018-10-02
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: 1st Franklin Financial Corporation (AL)

I have disputed this item twice this year, experian continues to update the dispute as accurate not making any changes. I tried to contact the creditor at the the phone number and address listed on my credit report as contact information for XXXX XXXX. The address in in accurate, the phone number when answered is 1st Franklin -- told by 1st Franklin that they purchased XXXX XXXX and that they have no information in their system in reference to me, that the account was paid and never late when no longer in their system. 
I pay for credit monitoring thru XXXX and have called XXXX and called XXXX  and they continue to ignore this situation. XXXX is not complying with federal law, they have no proof of the account only a statement, they do not provide me with accurate information to contact the creditor, etc. 
Credit Report # XXXX Account NameXXXX XXXX XXXX # XXXX Account NumberXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$450.00} written off. 
Status UpdatedXXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$65.00} Original Balance {$450.00} Highest Balance {$0.00} Terms 7 Months Payment History show tooltip button Tap a month for more informationShow payment legend XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CLS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 XX/XX/XXXX 60 XX/XX/XXXX 90 XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO Historical Info First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX Creditor Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Comment show tooltip button Purchased by another lender. 

Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.