davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-19
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. (MO)

All three of the credit reporting agencies are not supporting equality for woman. I have interviewed many others including executives at the same corporate level and they have also identified a huge disparity between their credit reports and their husbands. We incurred the same credit & debt. All loans and assets were in both of our names. 

I submitted disputes and within an hour it said it was resolved. It is impossible. The one business was no longer open for business at that time and the other would take a full investigation. 

I am reporting it to FTC, XXXX, social media and the news. 

XXXX, Transunion and XXXX are also violating the FCRA and equality when only the husband gets the credit on his report and derogatory is taken off but remains on the womens report. Both shared the debt, gained the credit and worked so both should have the positive effects AND exactly the same credit reports. I was the one who bought and sold our homes. One for {$650000.00} and the 2nd home for $ XXXX. Where is that on my report!!!!!??? 

The bankruptcy landed only on my report and no sign of my large credit acquisitions and pay off amounts. 


Side note : XXXX is escpecailly guilty of this and will only list the XXXX XXXX member not both parties co-signing on a loan. Not really the American spirit for a financial institution built solely on the financing and economy of families Servicing this country. Dishonorable
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Regard : Account Number XXXX Consolidated with Account Number XXXX. 
Hi, Dear Sir/Madam 1. On XX/XX/2018, my son Mr. XXXX, and I signed a lease agreement with XXXX XXXX XXXX for XXXX, XXXX XXXX, Account Number XXXX. 
2. Since XX/XX/2018, and then after the signing the lease agreement, XXXX knowingly, willingly, and intentionally failed to report my Account Number XXXX because I was disputing my other Account with XXXX, Account NumberbXXXX. 
3. XXXX 's intention was to damage my credit score by its fraudulent reporting account number XXXX, while XXXX was not reporting my current account Number XXXX. 
4. I have contacted XXXX, which informed me that XXXX is reporting only your account number XXXX, which was negative reporting. 
XXXX. I contacted XXXX and told them to report my account number XXXX but to no avail. 
XXXX. Later on, I consolidated my two accounts as in my complaint with CFPB ID # XXXX.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am a XXXX XXXX service connected XXXX veteran who is a victim of credit card fraud and identity theft. In XX/XX/XXXX I was affected by the data breach and consumer services. Also, in XX/XX/XXXX my wallet, credit cards, keys, and cellphone was stolen from my vehicle while traveling out of the country in the XXXX XXXX. However I have repeatedly contacted all three major credit bureaus mainly Equifax providing a police and incident report. The aftermath has caused my XXXX score do decline significantly. The three major credit bureaus are less responsive to solve the issues that has a major impact on my small business and personal credit
Consumer complaint received 2019-05-19
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. (MO)

All three of the credit reporting agencies are not supporting equality for woman. I have interviewed many others including executives at the same corporate level and they have also identified a huge disparity between their credit reports and their husbands. We incurred the same credit & debt. All loans and assets were in both of our names. 

I submitted disputes and within an hour it said it was resolved. It is impossible. The one business was no longer open for business at that time and the other would take a full investigation. 

I am reporting it to FTC, XXXX, social media and the news. 

Experian, XXXX and XXXX are also violating the FCRA and equality when only the husband gets the credit on his report and derogatory is taken off but remains on the womens report. Both shared the debt, gained the credit and worked so both should have the positive effects AND exactly the same credit reports. I was the one who bought and sold our homes. One for {$650000.00} and the 2nd home for $ XXXX. Where is that on my report!!!!!??? 

The bankruptcy landed only on my report and no sign of my large credit acquisitions and pay off amounts. 


Side note : XXXX is escpecailly guilty of this and will only list the active duty member not both parties co-signing on a loan. Not really the American spirit for a financial institution built solely on the financing and economy of families Servicing this country. Dishonorable
Consumer complaint received 2019-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Please reference my prior complaint about my BofA checking/savings accounts : Summary of your complaint Complaint number : XXXX-XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Checking or savings account Issue : Managing an account BofA properly closed my checking account after the prior complaint, but it has inexplicably kept my savings account open and has begun to charge me $ XXXX/month maintenance fees. In XX/XX/2018, when I filed the prior complaint, I had {$15.00} in the savings account. However, due to BofAs improper failure to close my savings account and in the meantime charge me $ 5 monthly fees, the current balance is now - {$10.00}. This is entirely due to BofAs fees. 

I was very clear in my last complaint that given BofAs unfair, opaque, and predatory consumer banking policies, I no longer want to be a BofA customer. Why did they close my checking account but not my savings account? This appears to be an attempt to continue to generate fees from me when my savings account should have been closed long ago, and is once again evidence of BofAs pernicious and opaque practices that act to the detriment of the everyday consumer.
Consumer complaint received 2019-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.
Consumer complaint received 2019-05-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

On XX/XX/19, I called Toyota Financial Services to bring my overdue account current. Although I had previously had a late fee waived, I requested it once more. The request was denied, which is understandable. I explained that I had attempted to sign up for auto-pay to avoid future derailments, but had not been able to properly complete the process. I'm writing this complain to bring to management 's attention to abhorrent way I was spoken to. The agent was so rude and condescending. I'm not going to type out my own pity story of why things have been a struggle lately. I feel that it's redundant -- everyone has a situation. What disturbed me was the agent 's accusatory tone, her rapid answers without listening, and her general demeanor over the phone. I want this complaint to be formal so that this agent can truly understand how she made me feel. I was made to feel so, so small. I immediately brought my account current, but was made to feel as if I had lied, as if I had committed a crime. Literally when all I called for was to make sure I paid what I owed. The agent 's ID id : # XXXX. I think she should be ashamed of herself. I hope management allows her to read this complaint. I hope she knows that she is the reason I will never be a Toyota customer again after this current lease is over. I do not ever want to be made to feel less than ever again. The shame she made me feel with her tone is not something I will quickly be able to forget.
Consumer complaint received 2019-05-19
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. (MO)

The following information on my credit report is incorrect and unknown to me, I'm demanding that these accounts be blocked for my credit files. The following accounts are, ( 1 ) XXXX XXXX {$290.00}, and ( 2 ) XXXX XXXX Account
Consumer complaint received 2019-05-19
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. (MO)

After a careful review of my credit report, I noticed the following mistakes, unknown accounts inwhich obviously occured at the time of my identity being compromised and relocation of cities. I'm demanding that the major credit reporting agencies provide me with physical documentation before reporting such acts. And as a general rule of law electronic Verification can not be accepted as proof. And as stated within the FCRA laws these accounts shall be blocked immediately. 

Accounts 1 ) XXXX XXXX {$3200.00} 2 ) XXXX XXXX {$1700.00}
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

I have health care coverage with XXXX. I was sent a bill because my employer had failed to update my summer health coverage. They paid the bill with XXXX directly in the Fall of 2014. I was later contacted by this debt collection company and they have refused to remove the erroneous claim from my credit report.
Consumer complaint received 2019-05-16
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. (GA)

XXXX & XXXX XXXX Reported : XX/XX/XXXX{$6500.00} There is no contract, no valid claim ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
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 am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual 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 listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2019-05-19
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. (MO)

These accounts reporting on my credit file does not belong to me and I'm demanding that these accounts be blocked. If you as the reporting company can not provide me with physical documentation of a signed contract in regards to these accounts then you must remove them in accordance with the FCRA laws.., these accounts shall be blocked, 1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 ) XXXX XXXX {$120.00} 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX   XXXX - XXXX XXXX. XXXX 6 ) XXXX   XXXX XXXX - XXXX XXXX, XXXX
Consumer complaint received 2019-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i have tried and tried to get this off my credit report and i cant get them to take it off. people have called me 20 times a day and they are rude and i finally told them to cease and dissit all forms of communication and they are still calling
Consumer complaint received 2019-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

Back in XX/XX/XXXX I was with XXXX XXXX, I called and talked to them to cancel my service, since I was no longer under contract, I paid my last bill. I got a letter in the mail my account was closed this was also in late XX/XX/XXXX, the following month I got a bill from them for the amount of XXXX in a demand letter I refused to pa it, the account was closed and then sold to a different collection company, within 1 yr it was sold to XXXX XXXX XXXX, this was in XX/XX/XXXX, they are saying that it was in XX/XX/XXXXwhich it was not. After I asked to be put on the do not call list the calls stopped, I was getting at least 15 to 20 calls a day. Now this is now XX/XX/XXXX and they refuse to remove it from my credit report, I have informed them that once this account was sold it was no longer my account. They still refuse to remove it from my credit report as a collection debt. And it is hurting my credit score. I have disputed it over 5 times with the 3 major credit reporting agency 's it's still there, Then I contacted the 3 credit agency 's  and disputed it yet again. They refuse to remove it from my report 's. Even after I told them they were violation of the Fair credit reporting act. XXXX XXXX XXXX I WHOM I CONTACTED VIA THE DISPUTE ON THE XXXX XXXX   SITE. THEY HAVE DENIED MY DISPUTE NOW OVER 5 TIMES. I WANT THIS TAKEN CARE OF ONCE AND FOR ALL. Thank you
Consumer complaint received 2019-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Back on XX/XX/2015, I purchased a Used Car from Salesperson XXXX XXXX at XXXX XXXX XXXX. The car was in fairly decent condition and I trusted them because I was purchasing from the dealer. I was given a price by Mr. XXXX which was with everything included. Little to my knowledge that I was paying {$38.00} a month for XXXX which was bundled into the full price of the car. I never asked for it nor was it ever honored when I tried to use it. I contacted XXXX XXXX XXXX and asked to speak to the manager who rudely cut me off and is never able to take my calls. At the end of it all I wouldve paid close to {$3000.00} for something that I never wanted nor that asked for. Very shady business practices. XXXX XXXX XXXX is located at XXXX XXXX   XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX
Consumer complaint received 2019-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (WA)

I originally took out this loan and another to pay for repair parts for my RV I live in. After investigating the illegal lending practices this lender engages in, I decided to refinance both loans through my local credit union. I call Amplify Funding for a 5 day payoff amount and they did not explain the ridiculous way they handle mailed payoff checks. When I called 3 business days prior to the first payment due date to tell them to not attempt to collect the payment by EFT which was within the guidelines of loan contract, I was then told that they only pick up their mail and process any payments by check on Fridays. I expressed my frustration and outrage at this obvious attempt to charge illegally charge me with late fees and accrued interest but to no avail. After several phone calls and emails, they finally located the check and processed it on the payment due date but not before they attempted to illegally charge my checking account with the first payment twice that same day. As attempting to call this a payday loan AFTER the loan was signed, I assume they did this to avoid the laws regarding standard lending practices. The XXXX rates this company with an " F '' rating due to 33 similar complaints have been made to them regarding Amply Funding 's scams against their customers.
Consumer complaint received 2019-03-06
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. (TX)

XXXX and Transunion are reporting me as 30 days past due on the XXXX XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I settled HSBC credit card debt with a third party years ago. This is the fourth collector that's gotten in touch with me claiming I still owe, threatened arrest warrants, and is even threatening my family with legal recourse/arrest. 

I've confirmed with HSBC it was settled. It also shows as such on my credit report. The number that initially calls you is XXXX and leaves a voicemail that directs you to call XXXX, where someone picks up and claims to be associated with " XXXX. '' He new the last four digits of my social security number which makes me very nervous.
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

Leasing agent evicted me XXXX XXXX for non payment of rent in the amount of {$850.00}. The leasing agent would not honor the rental payment, late fees, and or court cost filing fees that was submitted by " XXXX XXXX and XXXX XXXX ''. In which the check in the amount of {$2600.00} the leasing agent cashed, kept, and put into her pocket book. And I have not been able to utilize their/there agency for " extra additional services and or assistant ( s ).
Consumer complaint received 2019-05-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

I requested a forbearance extension as I'm currently unemployed due to my XXXX. Instead of replying to my email, they just put the loans in default the same day. 

Their customer service is practically non-existent, they always just say " there is nothing we can do. '' Their goal is just to get you off the phone so they don't have to bother trying to fix anything. 

Please PLEASE choose any other servicer. This company is predatory and unethical.
Consumer complaint received 2019-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2018, I used BOA transferred {$140.00}. It turned out that it is not transferred to an BOA account but a XXXX account. XXXX does not belong to BOA, and does not allow me to cancel the transfer. 

XXXX does not belong to BOA, but can be used to send money to anyone that is not BOA online through my BOA account. 

I asked BOA to cancel, and they spent 45 days just told me it is a legal action, and nothing can be done.
Consumer complaint received 2019-05-18
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: Experian Information Solutions Inc. (CA)

I opened an investigation with Experian on XX/XX/2019 XXXX proof documention attached ) regarding XXXX XXXX XXXX  and allowed XXXX XXXX XXXX  to place another alert on my account, 3 days later, on XX/XX/2019 and Experian did not have documented on my report as it being in " dispute '' ( document proof attached ). XXXX XXXX XXXXXXXX also closed my account after I've been making monthly payments. The balance is also incorrect. Also, I explained in a short statement to Experian that XXXX   XXXX XXXX never contacted me in writing, about my account status, at no time, before closing it, due to one  reason of them sending it to an incorrect address and calling an incorrect phone number that they have for me. The address that one representative stated they used for me, prior to my account closing ( although they had my new address, but did not use it to contact me ) and prior to me confirming ( again ) my address, is an address that pertained to where my identity was stolen.Two representatives of XXXX XXXX XXXX, quoted my address as being in XXXX XXXX when it is in XXXX, which I have reported to Experian and XXXX XXXX XXXXXXXX as my current address, but XXXX XXXX XXXX  sent all communications, prior to them closing my account, to the XXXX XXXX address, per two representatives ( which proof should be in their recorded telephone calls ). Also, XXXX representatives and a supervisor ( whom stated she was in the california office ) stated that XXXX XXXX XXXX only makes phone calls and do not send out letters, but with so much fraud, including my identity being stolen is not an effective way to contact me because people are impersonating banks and other establishments daily, as that has happened to me and one reason how my identity was easily stolen. Also, XXXX XXXX XXXX has an incorrect phone number for me, so they could not have possibly called me. I was told different stories from representatives and a supervisor regarding why I was not contacted, prior to them closing my account, even while I was making monthly small payments. Proof of my address is also attached.