davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was reached out to on XX/XX/XXXX by a " locating company '' or something of that nature. A woman told me to call a number XXXX of a company called XXXX XXXX. A woman Named XXXX answered the phone and told me that they have a debt owed to them for a Bank Of America account they purchased back in XX/XX/XXXX. She told me that the amount owed was {$1600.00}. When I asked her questions she was very aggressive towards me and told me that they would pursue me in a manner that would cost me a much grater sum if I didn't start paying immediately. Because I was skeptical with her and voiced that she was using what seemed like manipulative tactics she was quick to say that she was going to put it down that I was denying or rejecting to pay and hung up on me. I don't see anything like this on my credit and with all the Identity theft going around and her extremely unprofessional nature in addition to her extreme sense of urgency to take a payment I was skeptical to say the least. I called her back immediately after she hung up to try and get more info. She told me an account number that was with BOFA of XXXX that was an old overdrawn checking account. She told me I could call them. I asked her what the original amount owed was and she said it was {$300.00} and something dollars. She told me that they had reached out and mailed me stuff to a location I lived at over 10 years ago at XXXX XXXX in XXXX XXXX. She told me to avoid legal action I could settle the debt on the date we spoke for {$400.00} down and pay the other {$490.00} by XX/XX/XXXX. I told her I needed to call Bank Of America to verify that the debt was mine because I was unaware of it. I called them and they were closed for the holiday. I called her back and she said I have till today to make my {$400.00} dollar payment to avoid legal action. After this call I starting doing research on the number called and read a number of stories just like mine about extremely old accounts and aggressive tactics to resolve accounts. She read off the last 4 of my social to me and gave me their address of XXXX XXXX XXXX, XXXX, CA, XXXX to establish credibility. She emailed me a " Debt Verification '' letter that didn't show any kind of interest or the original amount owed. There was a debt balance of {$1600.00} and also {$2600.00} in the body of the letter. It didn't say anything about my ability to dispute it which I'm told is required by law and it doesn't show their license number which I guess is also required.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/2016 I opened a {$500.00} credit line with XXXX and I failed to make one payment on time out of 21 payments and they dinged my credit. Ive been in good standing with them ever since and its still on my credit report! I have just gotten married and am looking to purchase a home soon and I need help getting this off my credit! This is affecting my credit and is making it harder for me to do what I need to do. Can you please help get this off my credit history!?
Consumer complaint received 2018-10-09
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. The accounts XXXX XXXX  and XXXX  XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. The accounts are also reported multiple times which is against the FCRA
Consumer complaint received 2018-10-09
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. ()

I HAVE LIVED IN XXXX XXXX NEVADA SINCE XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XXXX, OR XXXX FROM XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX OF CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XXXX.PLEASE REMOVE FROM MY CREDIT FILE
Consumer complaint received 2018-10-09
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. (NY)

I DISPUTED WITH XXXX ABOUT A ACCOUNT THAT I NEVER HAD WITH A BANK CALLED XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX CLAIMING IT WAS OPENED IN XX/XX/XXXX FOR A AUTO LOAN.. THEY SENT ME A COLLECTION NOTICE SAYING IT WAS IN COLLECTION FOR A VEHICLE VIN # XXXX ... ( I ENCLOSED A COPY OF THE COLLECTION LETTER AND IT STATES THE VIN # ALSO AS PROOF ) I NEVER OWNED OR PURCHASED A VEHICLE WITH THIS VIN # ... BACK IN XX/XX/XXXX I PURCHASED A VEHICLE WITH THE VIN # XXXX FINANCED IT THROUGH XXXX XXXX. I SUPPLIED ALL DOCUMENTS OF THE VEHICLE I PURCHASED WITH PURCHASE AGRREEMENT, FINANCE PAPERWORK THROUGH XXXX XXXX, THE VEHICLE WARRANTY, A COPY OF THE NEW YORK STATE TEMPORARY CERTIFICATE OF REGISTRATION, A COPY OF THE WINDOW STICKER AND TWO DOCUMENTS FROM XXXX OF RECALLS ON THIS VEHICLE ALL SHOWING THE VIN # OF THE VEHICLE I PURCHASED.. I TRADED THE VEHICLE IN XX/XX/XXXX ON A VEHICLE XXXX XXXX XXXX XXXX FINANCED THROUGH XXXX XXXX WHICH IS IN GOOD STANDING ON MY CREDIT REPORT.. PLEASE DELETE THIS FROM MY CREDIT REPORT.. THANK YOU XXXX XXXX
Consumer complaint received 2018-10-09
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: EQUIFAX, INC. (CA)

I initially contacted my mortgage company XXXX XXXX to make payment arrangements XX/XX/2017. I was told since I was affected by a natural disaster I would not incur any late payments and my credit report would not be affected for XX/XX/2017, XXXX, XXXX, and XXXX. I had my credit report pulled in XXXX and discovered they had not honored the agreement. I contacted the company and then contacted all three credit bureaus. Two out of three have made the necessary corrections. Equifax just came back with the investigation and updated my credit file to show XXXXXXXX XXXX as a closed account with the remark " Affected by natural disaster Account acquired from another lender '' which is incorrect.
Consumer complaint received 2018-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (AP)

The reason that I selected " didn't try to correct this with the company '' is because the company, EOS CCA " parked '' a collection account on my report with XXXX. They have not made any attempts to contact me and I have no idea what the collection account is in regard to. Today, I sent, by certified mail, a letter asking for validation of the debt. I am a XXXX XXXX and will be moving back to the USA within 2 months and now I have this on my credit report. It is against the FDCPA, section 809 ( a ) for them to do this. 

A quick search via XXXX shows that this company frequently does this. I would like the CFPB to investigate them for their practices. 

Again, I am not necessarily disputing the debt, as I don't know what it actually is for. I'm filing the complaint regarding their tactics of " parking '' on my credit report, which has been found by the FTC to be sufficient for " contact '', and their failure to validate upon initial contact.
Consumer complaint received 2018-10-08
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. (FL)

This is related to complaint XXXX. 
Outline of events : Nobody contacted me so I called this morning. 
I was transferred between the escalation team and XXXX XXXX but nobody did anything except : XXXX XXXX transfered me to supervisor XXXX who wanted to transfer me to XXXX XXXX. I told him I already went that rout and they could not help me. He transferred me anyway and hung up, and I never got to anyone. 
Called back, spoke with XXXX - to supervisor XXXX and to manager XXXX. Nobody was able to help me with anything. XXXX hung up on me after I insisted that this has to be fixed. 
Called back and spoke with XXXX who transferred me to XXXX. She informed me that a freeze was put on the account when the first Consumer complaint arrived. THIS WAS NOT AUTHORIZED ME BE AND IS FRAUDULENT BEHAVIOR ON THEIR PART. My complaint CLEARLY stated that I wanted to do this on self serve as I don't want to have to call in to freeze/unfreeze the account. XXXX refused to name the person who broke the law but the Conf # is XXXX. She unfroze it at my insistence on conf # XXXX since it was illegally frozen in lieu of actually fixing the problem. 
XXXX told me that this will probably never be fixed and that I will probably have to call in for freezes or unfreezes. This is not acceptable. 
On their website ( the one I can't log into ) there was a link that was to advise if your data was part of the most recent breach, and mine was. All the more reason why they MUST fix this account so that I can freeze my account. 
If I had my way this company should be out of business, and the people mentioned above should all be fired.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Dear CFPB, I am writing to formally request your assistance in addressing ongoing issues I am experiencing with the credit bureau, XXXX , XXXX and TransUnion. Despite multiple attempts to resolve inaccurate reporting on my credit file, this company has failed to provide me with a satisfactory response. On XX/XX/XXXX, I sent a certified letter to XXXX disputing an account reported as a charge-off. However, when I called to confirm the receipt of my dispute, I was informed that they had not received it, which is not true because I have the tracking number and stated that the letter was successfully delivered.This indicates that XXXX is not taking my disputes seriously. 

For several months, I have been disputing this account, which has multiple discrepancies and errors. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to report accurate information. Despite this, XXXX has continuously reported conflicting information on my credit reports. Each time I raise a dispute, they merely update the account but never address the inaccuracies or provide a satisfactory investigation outcome, stating only that the account has been verified. 

The issues I have identified include : File Number : XXXX Date : XX/XX/XXXX Details : Date Closed : XX/XX/XXXX Date First Delinquency First Reported : XX/XX/XXXX ( indicated as contradictory in file XXXX ) Date of Last Payment and Activity : Unknown Account Past Due : Unknown File Date : XX/XX/XXXX Confirmation : XXXX Details : Date Closed : XX/XX/XXXX ( contradictory to XX/XX/XXXX in file XXXX ) Date Last Payment and Activity : Unknown Amount Past Due : Unknown Contradictory Dates : The account closure dates differ in various reportsXXXX and XX/XX/XXXX. 
Inconsistent Reporting of Delinquency : The date of the first delinquency is listed as XX/XX/XXXX, yet there is conflicting information in different records. 
Missing Information : Key details, such as the date of the last payment, last activity, and past due amount, are marked as Unknown, leaving gaps in the accounts history that make it difficult to verify accuracy. 

I respectfully request that the CFPB take action to ensure XXXX conducts a thorough review of my dispute and adheres to the FCRA requirements to report 100 % accurate information. XXXX repeated failure to investigate and correct these errors has caused undue hardship and frustration.Thank you for your attention to this matter. I hope that with your intervention, XXXX will be held accountable for their obligations under the FCRA and provide an accurate resolution to my dispute ( see all documents attached ) Sincerely, XXXX XXXX
Consumer complaint received 2018-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC (AL)

I filed an original complaint against First Heritage Credit in XX/XX/2018 because they continued to contact me at work after I told them back in XX/XX/2018 to remove my work number and not contact me at the number again. They continued to contact me there on multiple occasions. I filed the original complaint, to which the company responded saying that no calls had been made since I instructed them not to back in XX/XX/XXXX. That was a complete lie. 

Today, XX/XX/2018 at XXXX XXXX, XXXX XXXX at the XXXX location of 1st Heritage Credit contacted me again at my work number. I asked her for her full name, which branch she was calling from and who her manager was. She provided this information. I asked to speak with XXXX, who she said was the branch manager. I asked XXXX why she was contacting me at work, after they have been told repeatedly not to contact me at that number. XXXX said he was not aware of her calling my work number and apologized. I asked why my work number was still in their system, as I had previously been told it had been deleted. He said he wasn't sure, made a reference about his DM that I didn't understand, and said he would make sure it was removed. I told him I had already filed a complaint with the CFPB and that I would be filing another one. I hung up with XXXX and then called XXXX XXXX, who wrote the response on behalf of 1st Heritage for the initial complaint. I told her who I was, what had happened that instructed her to get her XXXX branch under control. I also informed her that I would be filing another complaint with the CFPB. I then hung up. 

They continue to harass me and put my job in jeopardy. I want them fined this time around.
Consumer complaint received 2018-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NC)

my insurance company issued a claims check for damages from a hurricane Disaster. Wells fargo is my mortgage company. The check was to be signed by Wells Fargo and sent back to me so that I can start the repairs on my home. Wells fargo refuse to sign the check and insist that I allow them to assign me to a case worker to monitor how I spend the insurance money. The insurance company came out and investigate the property before paying on the claim. I don't need Wells Fargo to baby sit me. I have a major pluming Problem that needs immediate attention as well as some other things that need to be repaired. Wells fargo is refusing to sign my check they are insisting that I give it to them to put in an escro account and they disburst it as they see fit. I pay for my insurance and I need help now not when they feel like I should have it. I feel as though they are messing with me because I just recently filed a compliant against them for saying I owe them money that I know I don't owe them. Please Assist me with this matter. XXXX is backing up in my bathroom, I don't have time to play these games with Wells Fargo.. I also went into a local branch and the Banker tried everything she could to resolve this matter and she was told no one could do anything about this except for a XXXX XXXX XXXX, when she tried to contact him he refuse to talk with her. She also filed a complaint from the local branch. what I don't understand is why I need a case manager and why was this sent to the exec office. As I sat in the Bank yesterday I wittnessed several people get their Disaster funds endorsed with no problem. so my question is why do I need a sitter.
Consumer complaint received 2018-10-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diaz & Associates, Inc. (LA)

On XX/XX/2018, XXXX from Diaz and associates contacted my job, work, mother, and fianc. I allowed my fianc to contact organization on my behalf due to them being closed when I get off work. She proceded to tell my fianc that it was not illegal to contact my work after I specifically stated that my job does not allow personal phone calls. In addition to this, she left voicemails that gave my personal reference and file numbers that could lead to my job gathering information.
Consumer complaint received 2018-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

Hello my name is XXXX XXXX and my XXXX   account name is XXXX with the username XXXX XXXX. On XX/XX/XXXX I made several XXXX   transaction both for XXXX XXXX One of the XXXX $ transactions was sent back to my XXXX account then I requested to send it to my bank account upon doing that I received a estimation date of XX/XX/XXXX that I should have the funds in my bank account t that was not the case my XXXX account was frozen and an investigation began. After the determination of the investigation it was determined that I am permanently banned from XXXX   and my account is deactivated. Which to me is not the problem I am fine with that but they have XXXX $ of my own money in my XXXX account still on hold for up to 180 days which I can not afford to live without that money for that duration of time also I can only communicate through email response and with that the agent states that she can not assist me in this situation so know Im in a situation where I do not have my XXXX $ that me and XXXX know is rightfully mine and no time frame or assistance to when Im getting my funds back. Please help me with this situation is is very stressful and I would just like my money back so I can be done with them thank you.
Consumer complaint received 2018-10-08
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)

I was over charged on my XXXX 's account this was evident by a credit I received from XXXX who underwrote the account. This has been an ongoing dispute with the Credit repositories, I was asked to send in my proof for my dispute, however, I was not able to upload the documentation. When I called XXXX  that were not able to tell me why their system was not working then requested I mail the documentation for dispute along with my drivers license, paycheck, and social security card, when I asked why since this was a ongoing dispute I was not given an answer I asked to speak to a supervisor, I was assured one was calling me back today it didn't happen.
Consumer complaint received 2018-10-09
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)

I initially sent out dispute letters XX/XX/XXXX to the 3 major credit reporting agencies in order to correct erroneous marks on my credit file. After the investigation period was complete, a lot of the items came back as verified on my XXXX and Experian report, all derogatory items that I disputed were dropped from my Transunion credit report due to the fact that they could not be properly verified but again, remained on my XXXX and experian. Im also aware that these reporting agencies MUST by law, conduct a thorough investigation on their own and can not merely parrot or use what an original creditor or collector says as means for verification, they also may not use XXXX to verify. So I am requesting that the following items which remain on my XXXX and experian credit file be removed immediately. 

XXXX & Experian Collections : XXXX XXXX Balance : {$780.00} Opened : XX/XX/XXXX XXXX XXXX Balance : {$450.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$75.00} Closed/ Charged Off Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$450.00} XXXX Balance : {$5000.00} ( Balance is incorrect )
Consumer complaint received 2018-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (AL)

On Monday XX/XX/XXXX, these people called me 5 times. I called them back and told them they would be paid and to stop harassing me or I would contact the CFPB. They said they dont know who CFPB is and that the only way they will stop is if I pay.
Consumer complaint received 2018-10-08
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)

TransUnion is reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to the credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. TransUnion concluded that the public record items were obtained from local, state and federal courts through a third party vendor XXXX.
Consumer complaint received 2018-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/18 I notified HSBC via their Bank Mail service that a check had been honored on XX/XX/18 that was not written or signed by either myself or my wife. The check image ( attached ) on the website was blank except for the amount of {$40.00} that had been paid. 
I do not know how this check came into someone's possession that enabled them to present it, but I consider this to be a criminal act. 
Clearly it should never have been accepted by either of the financial institutions that processed it. 
HSBC 's response ( attached ) was not even understandable as English. 
I also telephoned the check fraud department whose only response was to tell me I should visit a branch to close the account and open a new one. 
I wrote to HSBC customer service on XX/XX/18 ( letter attached ) and have received no reply.