davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-17
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. (AZ)

Equifax: Shows a address as my Current Residence and I've never lived there? The other two (2) Credit Bureaus have the Correct Address! I'm afraid my information may have been impacted due to Hack of Equifax or XXXX XXXX. I had two (2) accounts with XXXX XXXX, One (1) which I never used with a XXXXcredit limit. Someone obviously had access to my information. The account described was eventually stolen and Charged XXXX? XXXX XXXX has cleared the account but my credit scores have suffered. Equifax has me jumping through hoops to get MY CURRENT ADDRESS changed on their records! What if they do a mailing with more of my information, to the WRONG address?I am XXXX  years old and my credit is vital me. I'll appreciate any direction you may offer. ( I'm not very good at composing business these days, hope this makes sense to you.) Thank you, XXXX XXXX
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with TransUnion on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2019-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (MA)

I don't know why XXXX  is being so abusive to me pertaining to a business account I set up when I was working in Colorado.  However, after making six payments to my plan, the monthly charges increased by 150%, and the plan just was no longer affordable.  Then to try to add an additional XXXX  collection fee is a violation of the Fair Debt Collection Practices Act.  The collection agency known as McCarthy, Burgess & Wolff is way out of bounds on this excessive charge, then to send an offer of XXXX  stating a 30% settlement is usurious.  This collection is abusive and should be reported by the Consumer Financial Protection Bureau to the Federal Trade Commission.  XXXX  shows no shame on how low they will operate as a publicly traded corporation abusing American consumers.  I believe the public service commission for both Colorado and Massachusetts should be made aware of this abusive collection process.  XXXX  will be challenged on every violation made under state and federal laws.  Accordingly, since XXXX  ran up such an outrageous invoice when they could have immediately cut off service, I offer a one time settlement of XXXX  to settle this account permanently.  This settlement will be made by certified funds on XX/XX/2019, and will be made to the debt collector posted.  I will take this to the Office of Attorney General Commonwealth of Massachusetts if this cannot be settled quickly and professionally.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

Disputed the inaccuracies of XXXX XXXX on my credit report with Experian on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is nowXX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2019-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (AL)

I was attempting to make a cash deposit through the bb and t atm on XXXX XXXX  street in XXXX  AL onXX/XX/19, shortly before XXXX XXXX central time.  The bank was closed.  The first attempt totaled my deposit to be XXXX instead of the XXXX I put in the machine, so I cancelled my transaction.  All my money was returned and I verified it was in fact XXXX as I had previously counted.  I tried a second time to deposit the XXXX  and our spit out a XXXX, saying it could not read it,  leaving XXXX still in the machine.  The slot where the money is dispensed kept opening and closing but no further bills were returned. Eventually,  the screen showed a deposit amount of XXXX (instead of the XXXX  the machine still had-still off by XXXX), so I hit cancel transaction again. However,  this time no money was returned.  Then the screen came up asking if I wanted to quit or go home for another transaction.  It would not let me select either,  it was like it just froze up.  It asked for my pin number again and eventually gave my card back but no money.  I called the number on the machine and made a report but got no answers as to when or if my money will be credited to my account. They said they would investigate.  In the meantime,  I'm out XXXX dollars that their atm machine basically ate and gave me no credit for. I put three $XXXX, seven $XXXX, one $XXXX  and one $XXXX in the machine.  It returned one of the $XXXX because it was unable to read it,  but kept the remainder, without depositing into my account.
Consumer complaint received 2019-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

Shellpoint paid XXXX 1st half tax installment in XX/XX/XXXX I paid XXXX 2nd half tax installment in XX/XX/XXXX to allow this to count as an itemized deduction on my federal and state tax return I called Shellpoint mortgage customer service at XXXX Arizona time on XX/XX/XXXX and was told if I paid my tax bill I would have it included in escrow analysis scheduled for XX/XX/XXXX. The call was 6 minutes. 

I paid my XXXX 2nd half installment at XXXXXXXX XXXX Arizona time after getting the information above from the customer service rep at Shellpoint Per the email below, my escrow analysis date has changed to XX/XX/XXXX which means I would be out {$1500.00} for almost a year I had not received any information from Shellpoint even with corresponding with their General Counsel I just received a letter today XX/XX/XXXX that says Shellpoint is re-analyzing my escrow account. There is no commitment to when the escrow analysis will be completed other than the appropriate department will process the escrow analysis.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, as I am a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any entries associated with identity theft removed from my credit file. 
The following fraudulent account and inquiries are to be deleted from my credit report : Fraudulent Account : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$660.00} Fraudulent Inquiries : XXXX BANK Inquiry Date : XX/XX/year> BANK XXXX XXXX XXXX Date : XX/XX/year>
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

I have gotten the response to the last complaint and have determined it does not resolve my complaint. LVNV is continuing to respond to previous disputes with a print out of a bill which they could have purchased from anywhere. There has been so many company data breaches around the world.  As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification I received a letter from the president of XXXX XXXX XXXX and they informed me that I am no longer liable for this account and that it will be cleared from my credit history. Therefore I no longer owe LVNV for this account as well since this credit card debt has been cleared from my history. Attached is the document sent from president of XXXX XXXX XXXX I am again formally requesting a copy of any documents, bearing my original and complete signature, showing that I have a legally binding contractual agreement obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The collection item you are showing is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining  a careful record of my communications with you for the purpose of filing a lawsuit should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my original complete signature may result in a small claims action against your company. I will be seeking a minimum of $1,000 in damages per violation for. -Defamation-Negligent Enablement of Identity Fraud-Violation of the Fair Debt Collection Practices Act (including but not limited to section 807-8-Violation of the Fair Credit Reporting Act (including but not limited to section 623-b) You will be required to appear in a court venue local to me, in order to formally defend yourself. Attached is a letter from the office of the President of XXXX XXXX XXXX showing that they deleted the history of the trade line with them. Which means I no longer owe this debt that you are inaccurately reporting.
Consumer complaint received 2019-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I consolidated my XXXX student loans back in XX/XX/XXXX through AES education; and I have been making EFT payment to AES since XX/XX/XXXX. I began my XXXX program through XXXX UniversityXX/XX/XXXX. I did not request financial aid or assistance. However, I noticed back in XX/XX/XXXX that payments had not been removed from my account. I called AES and spoke to XXXX on XX/XX/XXXX, I questioned why my student loan payments had not been removed from my account. XXXX stated because it "automatically," went into deferment because I started school again. I requested to be taken off deferment and to not be placed on it again. XXXX, did send a wavier form however, I did not understand why I needed to sign a wavier form when I did not request for any changes to be made on my account in the first place. As a result, more interest has accrued and I am behind on my payments. As of XX/XX/XXXX, my account is back on deferment because I took classes this summer. 

I can understand why AES would be okay with this process because it benefits them. In my case it ONLY benefits them by prolonging the amount of time I have to payoff my loan and accruing additional interest. Making AES more money. 

I have been paying on this loan for the past 16 years and I am over it. I'm coming close to the payoff and they are messing with my account. Borrowers should have the choice to continue to pay their students loans while in school.
Consumer complaint received 2019-08-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The auto loan account was paid in full in or around XX/XX/2019.  With this a payment in full was dispatched from the dealer to Bank of America and received by them on or around XX/XX/2019.  

Bank of America is indicating the payment in full was received approximately 10-12 after the 30 day grace period.  While it did take longer than expected to process the payment in full, I fully communicated the matter with Bank of America and in fact contacted the Auto Loans Department every other day or so for more than 2 weeks (6-8 separate times) to check on the status of the payment and loan.   Exact dates and times of calls can be provided.  During these same calls, I asked about the potential the account would be late more than 30 days.  During each discussion, I was assured by each individual I spoke with the account was marked and noted as a final payment being processed from dealership and provided the dealership information to at least 2 of the Bank of America Representatives.

OnXX/XX/2019 I received a notice from XXXX XXXX and XXXX (through my credit monitoring service with each) that my credit report has been changed.  Upon logging in, I learned Bank of America reported the account as paid in full, but with a footnote as the final in full payment being late.  

Subsequently, I have repeatedly, no less than 12-14 different times, contacted Bank of America. Thus far, I have heard several variations of when the final payment was received and that the account should not have been reported as late given the final payment and repeated notifications.  This is confusing as a consumer.   On XX/XX/2019 I also received the attached letter and refund from Bank of America indicating the account was paid in full, in good standing, and a check for the difference between amount owed versus final in full payment.

Finally spoke to XXXX  in the DFS CEU onXX/XX/2019 who informed me the account was actually paid in full few days late (10-12 days depending on which date Bank of America recorded the final payment versus date received) and thus there is nothing he can do.

This is an outrage.  Bank of America received the payment in ample time to payoff the loan within any reasonable time parameter.  Given the amount of communications, assurances from multiple Auto Loan and Collections Service Reps, all of which are fully recorded and available to listen to, and the account track record, I take exception with Bank of America recorded this one late payment, especially given the account was paid in full, on my credit records.

I have also opened disputes with the 3 credit reporting agencies.  I will continue to dispute this matter until corrected.
Consumer complaint received 2019-08-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I applied for a VA loan with XXXX and was issued a prequalification letter. I contacted my realtor and went under contract for a house on XX/XX/XXXX.  I was currently in a rental and had to be out byXX/XX/XXXX so that the owners could put the house on the market. We asked for buyer possession and we along with my realtor kept asking was everything moving smoothly with the loan along the way and we were told yes. Everything they asked me or my realtor for they received immediately.   My realtor contacted XXXX XXXX on XX/XX/XXXX because we were scheduled to take possession on the XXXX and she was told that it was in underwriting and we should here something that day or the following day.  I then called and spoke to XXXX XXXX and was told everything was moving smoothly and we should not have any problems.  I still didn't feel comfortable so I still waited to the following week to start moving items in the house and had my movers scheduled to come on Friday XX/XX/XXXX with my bigger items. My realtor contacted them again on XX/XX/XXXX because no one has yet to confirm that we had final loan approval  and were scheduled to close in a few days on the XX/XX/XXXX and XXXX emailed her back and said my file was still in underwriting and we should have final loan approval today.  I then called him later that day to check on the status and I was told that the underwriter did not feel comfortable approving my loan so it was denied.  Imagine my shock because now I am homeless and do not know  what we are going to do.  My realtor gave me the number to 2 local mortgage companies to see if they could help and they both said just solely based on pulling my credit that I should have never been issued a pre-qualification letter. I feel like this company mislead me and had me spend thousands of dollars on moving and inspection expenses by leading me to believe I was qualified to purchase a home.  I am a military veteran that served  this country and this is the thanks that I get? If they would have been honest with me, I would have just found another rental and fixed me credit and purchased when I was qualified.  We have all emails and my realtor also have email transactions from them as well as proof. They left me homeless and ruined my life and will not return any of my calls or calls from my realtor to try to fix the mess that they made.
Consumer complaint received 2019-08-18
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. (UT)

Requested Equifax to NOT USE XXXX and they continue to use it and CONVERT MY DISPUTES TO NUMERICAL DIGITS WHICH allows accounts that should have been REMOVED to be CONTINUED TO BE VERIFIED. THE creditors are in receipt of FRAUD INVESTIGATIONS and are aware of the FRAUD. However Equifax is VERIFYING ACCOUNTS involved in FRAUD ACTIVITIES. XXXX eliminates 100% complete and accurate investigations. PERIOD.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

Amex offered me a Blue card after XXXX replaced Amex with VISA.  I said yes.  Amex sent me 3 different credit cards (from XXXX XXXX, FL I think) that had fraudulent charges in XXXX  Florida for video games and kids stuff.  I am XXXX years old.  I live in XXXX, FL.  Finally, I told Amex to just cancel all my cards with them.  The hold times and transfers between departments and an inability to follow through on the part of Amex has led to many wasted hours on the telephone over this past year.  Finally, Amex did agree that the charges were fraudulent.  It took Amex many months to correct my bill.  By the time they cleared my account with the fraud department the account had accumulated late fees and interest charges.  I believe the original fraud event was XX/XX/2018 for $XXXX.  So while this has been cleared I cannot get anyone at Amex to understand that the remaining bill is interest and late fees.... on charges that were never mine to begin with.  Please help.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

I settled the debt with XXXX in an authorized XXXX store in the city of XXXX XXXX Mi, XXXX back in XX/XX/2019.  The XXXX representative told me that they would contact Convergent and it would be removed from my credit report within 30 days.
Consumer complaint received 2019-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (PA)

Good Afternoon, I have gotten 2 phone calls XXXX claming to be a legal matter not discussing what the "Legal Matter was" on my voice mail. He then calls my parents and looking for tells them i have a "Legal Matter" which is illegal to do because as an agency you are not allowed to expose to family members what they are looking for you are only allowed to ask if they person is still around to collect or looking for any debt. Im not sure what this debt is about or if its even paid off. This company Altalitc recovery solutions already has a class action law suit for threatning their customers about court orders. I called that number back and it went straight to voicemail. Being on unenpolyment my main concern is paying rent not a so called "Legal Matter from NY when im in PA. If someone serves a legal matter it has to be in the state. I would like this taken care of. They are also called Atlantic Recovery Solutions/XXXX XXXX as well. So when i first herd the voice mail it was XXXX XXXX then Atlantic Recvory the 2nd voicemail.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (VA)

After several disputes with BBVA Compass, the company keeps this account like a charge off when this is being a bank error, possible by accident. 
After a time out of USA when I came back, I found this late payment, which never was reported to me or I never got the information. I paid the amount, {$17.00}, and called the bank to complain about this issue. After several calls, disputes, letter, lawyers, I finally got the statements of the card thanks to CFPB, as until I didn't open a dispute through here, the bank never sent the requested information, even I advise my contact and addresses several times. 
In the statement is possible see the late payment, as it is possible to see the account was in autopay. The account for the autopay was an account in the same bank which always had enough money to pay possible small payments coming over in case I didn't realise. 
It looks like the bank couldnt get the amount to the account, an account from the same bank for some reason I have never knew. 
The bill that cause the missed payment, from XXXX, for some reason they charged this payment into this card instead the card was set from the country I was living at that moment. The rest of the payment days before and after, were correctly done to the correct card. Still waiting for explanations. 
It is clear there wasn't never intention of not to pay as I was cautious leaving money and the account opened, just in case, and there was an error or problem into the bank about this. 
I have attached the statements for the credit card and the statement from the bank account.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RMS-Recovery Management Services, Inc. (MI)

I paid XXXX per month and the debt was fully paid off.  I received threatening phone calls two months after my last payment telling me that I owed another XXXX.  The debt is still showing up on my credit report showing that I owe them  money.  I want the debt removed from credit immediately to accurately reflect my true credit history. The first RMS-Recovery Management was very rude and disrespectful.  The second representative state it was an accounting error on their end and my debt was paid in full.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

The company is Exsperian...I applied for a loan at XXXX  loan and they said my score is XXXX  which on exsperian it shows my fica score XXXX.  Exsperian never update credit scores so that the consumer can see my credit score increases.  You also cannot speak with anyone at Exsperian.  You have to mail your issues with them in.  I think this is fraudulent.  My scores are totally different with XXXX  and XXXX  they are at XXXX.  '

I really need a loan and Exsperian is not updated their scores so that the bank can see what I see...Its totally unprofessional and fraudulent....

If I go on exsperian and see a score whoever I give my permission to check my credit they should see the same score....But they do not and all I want to know is why?

Its very disturbing to me and fraudulent why Exsperian is not updating or reporting the same score to banks , etc/