davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
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. (FL)

late payments that were reporting as late which is incorrect. accounts reporting inaccurate balance and open dates. student loan payment that was paid still being reported as being late. payment status being reported as late when in fact its not late. 
XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was not late but still being reported as late XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. was not late but still being reported as being late. received letter stating account was deleted and removed from report but still it was showing on credit report. forward letter with proof showing it was suppose to be deleted and removed from account but got responce that it was verified without any documments to prove such verification.
Consumer complaint received 2018-03-19
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. (MD)

On XX/XX/XXXX, I opened an account with XXXX when I purchased a washer and dryer from XXXX. They assured me that XXXX would remove my old washer and dryer and install the new washer and dryer in my home. The sales associate was given my physical address for delivery and my XXXX XXXX XXXX billing. When I was called on the delivery date before the washer and dryer were to be delivered, I was informed that the delivery did not include removal of my old washer and dryer and set-up of the new washer and dryer. At that time, I notified the delivery company that I would not be accepting the delivery. I then telephoned XXXX and inquired as to what happened with the service I paid for with set-up and haul away. At that time, the representative from XXXX informed me that the salesperson was new and didnt know that XXXX doesnt provide set-up and haul away services, even though I had been charged for those services. I then went up to the store and they informed me that they would cancel the purchases and close the credit card account and there would be no fees. 
In late XXXX I received a credit report that showed a delinquent charge with an unpaid balance. This charge stemmed from my purchase of a washer and dryer at XXXX. I telephoned XXXX and XXXX to try to straighten out the charge but was unsuccessful in getting a resolution. In order to complete my closing, I was required to pay the {$300.00} delinquent charge and work through this dispute after the closing was completed. What I have discovered since that time is that XXXX was sending statements for the washer and dryer I never received to my physical address ( where I dont receive mail ). On XX/XX/XXXX, XXXX mailed me the statements for the account I closed on XX/XX/XXXX. These statements show that I was charged delinquent fees for not paying on the account starting with the XX/XX/XXXX statement, even my credit report showed that XXXX reported the account closed on XX/XX/XXXX. It appears I continued to be charged late fees and interest. 
I was expecting the amount I paid, plus interest be refunded to me immediately. I expected XXXX to send me a letter stating that this is not a delinquency on my part so that I had something in writing to show if I have any other issues with this dispute in the future. In addition, I was also expecting that XXXX clear up my credit by informing the credit agencies that I was not delinquent on the account and that an error was made between XXXX and XXXX. XXXX has not cleared up my credit and despite attempts to resolve this myself with the credit agencies, the credit agencies have not accepted my dispute and revised my credit information.
Consumer complaint received 2018-04-19
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. (GA)

I have submitted requests for these collections to come off my accounts because they are not mine and additionally, according to their secretary of state website, are not licensed and bonded to collect these debts XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (CA)

On XX/XX/2018 I mailed a letter disputing a debt collection that was inarticulacy file on my behalf upon review of my credit report I notice that I had a derogatory mark file by a company that I did not do business with in the amount of {$300.00} the company name is Stuart - Lippman & Associates. I sent them a letter over a month ago and I still haven't got a response back addressing the false information.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

OnXX/XX/XXXXI received a " Notice to Home Loan Applicant '' stating that my credit score from Equifax was XXXX I was told that " key factors that adversely affect your Equifax credit score '' are " XXXX TOO MANY INQUIRIES IN THE LAST 12 MONTHS. XXXX AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH. XXXX PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH. XXXX PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS. '' I requested a free credit report from Equifax and received it XX/XX/XXXXI then called Equifax. I said that I wanted to understand why they thought I had too many inquiries. What was too many? In one year there have been 3, in two years 5. They would not explain what was too many or why. 

I asked what amount was too high for revolving accounts. She merely read me the current balances. I explained that I paid off all balances every month. What could possibly be too high? 

As for " proportions, '' she could not explain anything other than to say credit scores change every day. I went on to their site to start an online dispute. The only thing you can dispute is factual data, which i do not dispute. I want to dispute the credit score itself and can find no one to explain any " adverse factors '' on my report. 

When I asked to speak to someone else who could explain what information in my credit report was adversely affecting my credit score, she said I could call back and talk to someone else.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Student Aid (USA) Funds (OH)

My loan was transferred to USA Funds in XXXX from XXXX. on XX/XX/XXXX, USA Funds reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Ever since I hired an attorney to defend my foreclosure case, my servicer, Wells Fargo, has sent *all* correspondence to my attorney, including escrow disclosures, monthly statements, and correspondence about my account. I have not asked Wells Fargo to send this correspondence to my attorney. In fact, my attorney asked Wells Fargo 's attorney to make sure this correspondence is sent directly to me. I would like Wells Fargo to send all of its correspondence to me.
Consumer complaint received 2018-03-19
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. (IL)

On the Public Records section of my TransUnion Credit Bureau report there are six negative records which say the reporting was by the Recorder of Deeds and the US Bankruptcy court. Letters were sent to TransUnion XX/XX/2012 and XX/XX/2012. TransUnion has indicated that these court entities have reported this. I have enclosed documentation which show the documentation from the court indicate there is no reporting by them to any credit bureau. The problem is that none of the information is accurate. TransUnion receives its information from XXXX who sells it to TransUnion Credit Bureau. This is a violation of the Fair Credit Reporting Act to report false information by claiming to get information from a Court when it is actually obtained by a 3rd party. 
TransUnion has claimed that this information has been verified. This is completely false information. 
I am sending copies of the court documentation sent to me as well as a list of the public records and dates that letters were sent to TransUnion disputing the accuracy of these records.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX XXXX sent an electronic check in the amount of {$930.00} to Wells Fargo in my behalf toward a home mortgage. 
On XX/XX/XXXX the {$930.00} was refunded to my bank account I was contacted mid XXXX by Wells Fargo stating that I had not payed my mortgage and that their system had changed. They would no longer be accepting the E-Checks and I would have to resubmit paper checks to a new address for mortgage payments. 

On XX/XX/XXXX I notified XXXX of the changes and resubmitted two paper checks ( both ) in the amount of {$930.00}. 

I was contacted mid XXXX by Wells Fargo stating that they had not received my mortgage payments and that I was now three months behind. XXXX XXXX XXXX were notified and got in contact with me recommending that I place a stop payment on the checks that " they did not receive '' and make new payments. 

On XX/XX/XXXX XXXX provided me with printed copies of the paper checks signed and payee endorsed by Wells Fargo on XXXX XXXX XXXX and told me that they could no longer place a stop payment on these checks. 

On XX/XX/XXXX After weeks of futile talks with Wells Fargo Reps on the location of my money I sent a fax ( upon their request ) of the copies of the endorsed paper checks. 

On XX/XX/XXXX I made a follow up phone call to see if they had received the fax. I was told that they were investigating the case and that no further information could be given pending completion of send investigation. They estimated completion by XX/XX/XXXX. 

On XX/XX/XXXX Still having not heard from Wells Fargo, I made a follow up call and was given an e-mail address to one of the " investigators '' and told to send him an email detailing what was going on. I am currently waiting for a response ...
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My debit card was fraudulent use on XX/XX/2018. {$700.00} and {$800.00} was stolen from my atm card. I called BOA the next day I check my account, bank of America cancelled my card and issued another one and I was told they will investigate it and they will refund me in 10days if they didn't finish their inveatigation.

Apparently the thief/thieves also tried using the same card at well fargo but the transaction was declined, according to the customer agent I spoke with.

Next day I saw {$2.00} debited from my account, I called BOA and the agent told me the same card was used to check account balance at other bank, immediately {$2.00} was refunded back yo my account.

On the 10 day I was suppose to get refunded, an agent from BOA called asking me just 3 questions that " do you have the card with you on the day of the fraudulent charge, do you give you atm card to anyone and lastly did you give your pin to anyone ...

The next email I got after 20mins from BOA is the claim has been resolved and claim was not paid. 
I was shocked because this so called bank did not investigate the claim. 
My hard earned money was just gone like that? If bank is no more safe to keep my money I'd rather save my money at home. 
I already filed a small claim suite and hoping to get back my money.
Consumer complaint received 2018-03-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

AFTER COMPLETED MODIFY TRAIL LOAN,  AYMENTS IN FULL WITH OUT NO MISS. 
PAYMENTS. {$2500.00} THEN 2 MONTHS LATER XXXX XXXX XXXX SAID MODIFY LOAN IS DENIED.. AFTER TAKEN MY PAYMENTS.AUCTION MY HOME ON XX/XX/XXXX TO ASAANJI -MUHAMMAD XXXX, XXXX GA.WHOM WAS ALSO XXXX PROPERTY..SEE XXXX COUNTY COURT RECORDS TO PUBLIC . OCWEN ATTONEY SAID THEY HAD SOLD THE HOME. FORCE TO MOVE OUT.. 

NEW OWNER A SAID THEYPAID $ XXXX NEW OWNER-XXXX   REALTOR .CAME BY THE HOME AT XXXX XXXX XXXX XXXX XXXX. PER NEW OWNER IN XX/XX/XXXX BY HOME. OWNER GAVE ME 40 DAYS TO MOVE. I NEEDED MORE TIME BECAUSE OF DISABLITY PERSON IN HOME. 
AND IM OVER XXXX OLD..SUCH SCAM IN XXXX XXXX GA I HAD TO GET ATTORNEY TO STOP DISP0SSESSOR OR EDVICTIONS. XX/XX/XXXX XXXX XXXX AFTER XXXX NON-CONTACT..TO ME. XXXX SOLD XXXX XXXX XXXX TO XXXX WHICH CLOSED ON HOME XX/XX/XXXX SO I HIRE ATTORNEY WHOM INFORM THEM OF WRONGFUL FORCLOSE AND TO FIX THE PROBLEM XXXX HAD.AGREED AFTER PAYING $ $ $ .PAID OCWEN $ $ .. TOO... 

LATER XX/XX/XXXX I FILE COMPLAINT WITH MY XXXX DISTRICT CONGRESSMAN XXXX XXXX XXXX. WHOM A XXXX XXXX, HAS CONTACTED OWCEN REQUESTING PAYMENT HISTORY..MISAPPLIED NON-RESPONSES BY OCWEN. 
LAST WEEK XXXX XXXX EMAIL SAID HE WOULD ALSO WORK ON THIS.HE WOULD HELP..FILL FREE TO CONTACT HIM FIRST HOME BUYING. XXXX XXXX XXXX. XXXX.THOUGH XXXX.THEN XXXX XXXX, XXXX. XXXX OCWEN. XX/XX/XXXX
Consumer complaint received 2018-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX, I charged {$2100.00} to a home improvement contractor on this card. It was for a deposit for home improvement ( basement finishing ). The contractor took this money along with {$6000.00} on another card. The total contract was only for {$12000.00}. The contractor purchased about 400 dollars worth of lumber, never pulled the appropriate permits and then asked for {$3000.00} more because he " underbid the job '' and needed that money for fire suppression. In sum, the contractor did NO WORK AFTER STEALING OVER 8000 from me!!!

I fired the contractor at that point and initiated a dispute with my card companies. My other charge card company found in my favor because they actually did an investigation. Bank of America DID NOT. They merely stated I didn't submit the appropriate information but I did because the exact same information was sufficient for the other card company.

I tried about 2 dozen times to resolve this matter with the merchant " XXXX XXXX XXXXXXXX '' and the merchant never responded. I then filed an official complaint/dispute with the bank on XX/XX/XXXX. Claim # XXXX. 

The bank DENIED my claim 2 weeks later on XXXX because I did not send the appropriate documentation. I tried to appeal to a supervisor and even called BOA HQ but merely was sent back to the same people I spoke to in the dispute department that could not assist me.
Consumer complaint received 2018-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Services Collections, Inc (TX)

I am a veteran who received prior authorization to go to the XXXX XXXX XXXX on XX/XX/XXXX since I had just had a XXXX and was having further symptoms. I never received a bill from anyone other than the ambulance service in all this time and that is the only reason I knew the VA had not paid yet. The VA informed me that the hospital had not sent them a bill and the only bill they had was the ambulance bill. I had a very hard time getting the hospital to cooperate even though I had given them all the information they needed to bill the VA upon arriving on XX/XX/XXXX. The VA finally received the bill and paid them. On XX/XX/XXXX, I received a notification from XXXX XXXX that a company had reported an account. The original company is XXXXXXXX XXXX   XXXX XXXX but the collection agency listed themselves as I contacted the VA again about this. He and I called the collection agency together and I noticed I was never given the mini Miranda at any point when speaking to this individual. The VA representative informed the collection agency rep, XXXXXXXX XXXX, that it was illegal to double bill the veteran after the VA had paid. XXXXXXXX XXXX lied and said they were collecting on behalf of the hospital. XXXX XXXX went on to say that they would not take it off my credit unless told to by the hospital even though no one ever contacted me about this and I was not worried about it because the VA was paying all the bills. XXXXXXXX XXXX would not listen to either one of us, and when I asked for the phone number to the original creditor, he stated he didn't know it. I then asked to speak to his manager after he was arguing with me in an immature manner, ( I have the call recorded ), and he placed someone on the phone who just repeated himself over and over while refusing to tell me his name. He ultimately hung up on both of us. The VA rep could not understand why this collection agency refused to listen to him and did not know where to go from there. 

XXXXXXXX XXXX  XXXX bills for imaging and is not considered part of the hospital. I verified this after speaking to the billing department at the hospital. XXXXXXXX XXXX  XXXX never once mailed me a letter or called me and the collection agency never sent me a letter or called before placing this on my credit. The VA can not get through to this collection agency as they will not listen and say they are not breaking any laws. The collection agency also stated to the VA that a portion has been paid but they want the full amount. This individual does not understand how government payments work and that I am being double billed. If I am not mistaken, by federal law, they are supposed to be giving the mini Miranda as well. This is not how to collect money.
Consumer complaint received 2018-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.
Consumer complaint received 2018-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am writing to file a formal complaint against XXXX XXXX, regarding my request to provide the Method of Verification ( MOV ) on ( 3 ) accounts listed on my credit report. After numerous attempts to amicably resolve this matter, XXXX XXXX has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. 

Enclosed you will find a recap on my communication with TransUnion, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
Consumer complaint received 2018-03-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am complaining about an issue I have with Bank of America I have had a debt collected from my account without my authorization, it was under Legal order not knowing of this issue I contacted Bank of America. When I spoke with a representative they informed me to call the number that was on the account of withdrawal. I found out this was a collection for 7 years ago state tax I had not known about, I had to set a payment method with The state. With that being said I let them know how much they took out of my account which was going to them to resolve my issue the about was XXXX from my checking and XXXX for my savings bringing it to XXXX in total. With the department of revenue service you have to them know the amount so you can establish a payment method. Fast forward, after The department of revenue service received the check from BOA it was short and they only received XXXX. This set my plan back and I had to figure out where the rest of the money was as well as try to prevent drs putting another legal order on my account. I called Bank of America back and they explained that they charge a fee for legal orders and the money that was not sent was kept by them. I asked if the fee could be waived and they said no. Prior to signing up with BOA I was not made aware of this fee as well as the fact that they allow unauthorized charges to my account. I want the fee refunded back to my account. After making the call to BOA they then sent a book explains fees that are taken out of my account. Which is a little to late seeing that the damage was already done, this has been a headache dealing with BOA and their insensitive replys especially since Ive been a loyal consumer for over 6years.