davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Atlantic Credit & Finance, Inc. (AK)

My domestic Partner an I ( XXXX XXXX ) have been severely harassed by Atlantic Credit & Finance of XXXX, VA for a credit card debt that has been previously paid. XXXX carefully explained this to Atlantic and have received several calls demanding payment. Even when he provided banking evidence of XXXX cleared checks that paid off the debt, he still received harassing calls. Atlantic never contacted the original credit card company, XXXX Bank, to confirm that they received an deposited the checks. Their collector 's demeanor has been condescending, illogical and demeaning. XXXX individual, XXXX XXXX, was particularly rude. It appears they are trying to get compensation from anyone for whatever effort they have expended.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (IN)

In retaliation of my original complaint with the CFPB against Equifax, the company has cancelled my XXXXBureau Report that I paid for on XXXX and removed my payment methods used. When I noticed this during a routine attempt to view what I bought, I called customer service. The woman ( clearly XXXX ) told me that Equifax failed to bill me for a completely different product and, due to the company 's error, had decided to cancel what I legitimately paid for. 
It is not my responsibility to do Equifax 's job in reminding them to bill me. My payment method was always valid, was previously auto-billed, so the issue was clearly on their end - not mind. But cancelling a product that I legitimately paid for and REFUSING to refund me for the product I paid for is against all known laws. 
Furthermore, Equifax has NOT completed their investigation dated XXXX/XXXX/2015 as my report still reflects the items I disputed as being under investigation, which is against FCRA. 
The agent 's response ( clearly doctored XXXX from CFPB case # XXXX only proves the company has been mishandling mine ( and others ' ) credit report information and has no interest in making things right with the numerous consumers they 've wronged. 
CFPB should hold this company responsible as I 'm certain XXXX ( if not XXXX XXXX will line up behind me in adjudicating Equifax a company that falls short of any semblance of 'organization '. 
Attachments prove they charged my debit card ( which they removed ), and also prove the company is NOT representing the truth in how they 're re-investigating. 
I also have the right to know the procedures used during their re-investigation, which I would like to see.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sought relief from a wrongly filed tax assessment which resulted in a Ohio tax lien against myself from the Ohio Attorney General on XXXX/XXXX/15. On XXXX/XXXX/15 the Ohio Attorney General after conducting an investigation into my claim that the lien filed against me was not valid, agreed and cancelled to reflect a zero balance. I was sent documentation to file a release of the lien at the XXXX XXXX XXXX XXXX XXXX XXXX, which was filed and recorded on XXXX/XXXX/15. My request for relief included documentation from the Ohio Attorney General 's Office to provide to each of the credit reporting agencies, asking for removal of the public record from my consumer reports. On XXXX/XXXX/15 the Ohio Attorney General sent on my behalf the letter previously mentioned to Transunion requesting they update my account record as voiding and expunging any reference to this lien. After review of my consumer report on XXXX/XXXX/15 Transunion updated the report to reflect the lien as released but still reporting. On XXXX/XXXX/15 I started a new dispute online with Transunion. Again I provided documentation by mail, asking for this lien to be voided and expunging from my personal report. On XXXX/XXXX/15 I received notice of the results of their investigation. The results were found to be the public record to be reporting correctly. 
I am aware of the statutes regarding the reporting of paid/released liens. I am not disputing the fact the lien is recorded as paid/released with the court. My concerns are with the fact that at the request of the Ohio Attorney General to void and expunge any record from my personal Transunion consumer reports are not being addressed. It is my hope that by filing this complaint with the CFBP, that it is brought to the attention of a Transunion Representative with the authority to remove this wrongfully filed lien from my Transunion consumer credit file.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have a student loan that went into default, I repaid it through the rehabilitation program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my fico score and this inaccurate information.
Consumer complaint received 2016-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (DE)

Matter of fact there is no debt at all. After researching blogs online I came across, this company is a scam. My credit report is showing collection requested by XXXX. I called the XXXX and they very well confirmed that I 've no dues at all since I closed an account. 
My question to Bureau is, despite XXXX of similar complaints, how come this company is in existence. How to dispute and remove such disaster that has no roots ( base of claiming collection ). 

This is the company I am talking about. 

XXXX 

Why do they exist? Are they legit? And only combination ( pattern ) is with cable company only. That even is XXXX. 

This needs to stop. It took years to sharpen credit number and all of a sudden this disaster damaged number like anything. 

I never received any reminder or follow up letters as per law that tells that I owe any amount to XXXX. XXXX I paid it on time. This collection has came after a year and a half I discharged services from XXXX. 

Please do needful and please reply to my email, how can I remove this from my credit report. 

Thanks
Consumer complaint received 2015-11-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (AZ)

There is a company called Pioneer Credit Recovery that has been calling me as many as 4 times a day looking for a family member in regards to an " important business matter ''. I 've told them I do not know where or how to get in contact with this family and not to call but they still continue to call me. 
I do not want these people to contact me ANYMORE. Whatever the debt is, it 's not mine and there is no reason for them to be calling and bothering me about it. The toll-free number of this company is XXXX.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AR)

Citibank automatically increases my credit card limit with out my permission or approval. I have to call in and spend 1 hour on the phone getting bounced around to have someone move the credit limit to its original level. I do not want more credit and will call in and ask if I want more. It should be simple for them to correct this but they dont..not sure why as they always end with it wont happen again. And they apologize.
Consumer complaint received 2015-11-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

I took out a new vehicle loan XX/XX/XXXX with Wells Fargo. From the very XXXX month, I was told that I could make payments to my loan using my Wells Fargo account. Wells Fargo has established another company within itself called Wells Fargo Dealer Services, and they do not communicate with each other in regards to electronic payments. When payments are taken out of XXXX Wells Fargo Checking Accounts, they take up to 2+ business days to arrive and be processed at Wells Fargo Dealer Services XXXX They also do not communicate with XXXX another in terms of when payments are submitted or if they are going to be showing up as " late '' within a system. 

Sometime XX/XX/XXXX, I attempted to set up an automatic payment within Wells Fargo, but that system never worked and I missed my XXXX payment, causing me to be 30+ days late sometime XX/XX/XXXX. When I noticed the payment had not posted, I paid what was owed and went on with my life. What I did n't know was that while my payment had posted, I started a clock and payments that were already 30 days behind. At no time did Wells Fargo Dealer Services attempt to contact me and inform me that I was 30 days behind on my payments. Each month, when I would make a payment thereafter, resulted in my being charged on my credit report as 30+ days late. 

I again attempted to set up a auto-pay XX/XX/XXXX, and once again it failed. Once I realized it, there were now XXXX missing payments and I began making frantic phone calls to Wells Fargo to figure out what I could do and how I could make things right. It was then that I discovered the XXXX different companies. Wells Fargo Dealer Services has began looking into transaction dates, as if they could resolve this and tell me to " go away '' because it 's entirely my fault the payments are late. When you have a parent company that takes 4+ days to provide funds for a loan to itself, then docks the person who 's making the payment because it 's late - I think there 's both a LARGE communication issue and potential fraud within their systems. I have repeatedly requested them to see that there was a mistake on my part and ask for an adjustment to all my late charges within the credit agencies, but this request is being met with continual denial.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I have submitted my application for a modification to have reviewed once more. I submitted all my paperwork on XXXX XXXX, 2015. My income has declined since my last submission, and I have not received a call or letter to acknowledge my submission. My daughter contacted the home preservation specialist, and stated she is n't sure my information can be reviewed once more.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Fingerhut/webbank have fraudulent records of an account that doesnt have my correct social security number, that isnt mine where someone bought some purse and whatever else that I didnt order and said the proof was it was sent to my house. Are you serious Ive been battling this account now for a while! XXXX a XXXX veteran with a XXXX XXXX XXXX XXXX not XXXX. I in no way want your purse and perfume that you fraudulently sent to my house without my permission!!!!!!!!!!!! That someone ordered with only the last XXXX numbers of my social security number because the numbers your fraud department sent me is not my social security number. XXXX XXXX you owe me money for all this time I have to waste over you allowing someone to open a fraudulent account and set off my XXXX and my anxiety to XXXX XXXX I feel XXXX losing it!
Consumer complaint received 2015-06-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (LA)

Wellsfargo bought out the prior company that managed Dillards and I was no longer getting my bills. Account was paid off during transition and then I made a purchase but never received the bill. Now they are reporting it late. A lot of my info did not transfer over from the XXXX company to WF
Consumer complaint received 2015-12-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America ATM XXXX located in XXXX. I withdrew {$400.00} and the machine did not dispense money. There was a number on the machine to call to report a problem but it kept looping back to the main menu. I called a different number for the bank and they told me it was n't their problem because my checking account is with another institution. I do n't think they should be allowed to have ATMs in public locations if they wo n't support them.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, XXXX Account XXXX and Bank of America Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than XXXX attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK (IL)

I have a 30 year fixed mortgage with TCF bank. My monthly payment is XXXX due on the XXXX. I paid it on the XXXX and they only applied XXXX to my principal. the rest went to interest. They distribute my payment unevenly every month. I have never been late. I think the distribution is grossly unfair. I have written to the bank president who said that when the payment is not paid on the XXXX, more goes to interest. I understand that, but {$1000.00} to interest and XXXX to principal? Can you help please.
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OH)

XXXX emailed me that I have a account in collections on my credit report, I called the collection company and explained the debt is not mine. I then called the company that sent the info to the collection company and have no gotten anywhere in over a month.
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

Enhanced Recovery Corporation has harassed me about a debt that appears to be for a month XXXX. I have explained over the phone and by mail that I have never had dealings XXXX ( I am a long time XXXX customer ) and I have never lived at the address or known anybody in the neighborhood where the service was allegedly provided. I thought the matter was settled, but have recently been alerted to negative credit information posted by them to XXXX against me. 

This is either a case of gross incompetence or outright fraud by Enhanced Recovery Corporation ( given the large base of customers XXXX it would be easy to send out mass mailings accusing people of missing a payment and scam money from them ). I think this deserves investigation.
Consumer complaint received 2015-07-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Return Receipt Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see XXXX Validation Letter Attachment ). 

I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

I started a modification with my bank in XX/XX/XXXX. I have supplied the bank with all requested documents. I faxed over they do n't receive and I refax then it 's receive it takes several weeks for a response I supply more requested information it takes again several weeks to get no response. It 's has been 7 months. I have complained to the different " relational managers '' some are rude some make notes in my file and others just do n't care. They refuse my request to speak to a supervisor saying they ca n't assit you they will say what I 've said to you. Each day week and months delay creates a further financial hardship. I have paid the amount requested on my loan statement but they the bank and its representatives continue with delays as a form to discourage me. The continue to say as excuses " we have many files, it takes time '', '' the processing team has your file the underwriter will reject your file, " the gatekeepers will recieve your file soon. I did not pay my XX/XX/XXXX mortgage I do n't know what to do. Please help me. Thank you.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DC)

Re : XXXX XXXX XXXX ; XXXXXXXXXXXX, XXXXRe- Credit reporting Equifax , XXXX , & XXXX , are not reporting my long-term credit. 
XXXX XXXX since XX/XX/XXXXMortgage since XX/XX/XXXXI have a XXXX XXXX that says on it " Member since XX/XX/XXXX. " None of the credit reporting agencies are reporting that I have a XXXX XXXX. 
On XX/XX/XXXX I called XXXX to request that they report to all of the credit agencies that I have had credit with XXXX since XX/XX/XXXX and that I pay on time. The representative from XXXX said that they do report to all of the agencies regularly. 
I told XXXX rep that despite this, it is not being reported on my credit report. The XXXX rep said she would send the report the credit agencies right then when we were on the phone. 

I want all three credit agencies to report that I have had credit with XXXX since XX/XX/XXXX, what the available credit is, what my balance is, and that I pay on time. 

Also, I have had a mortgage since XX/XX/XXXX and have paid it on-time since XX/XX/XXXX. Yet none of the credit agencies report that I have had a mortgage since XX/XX/XXXX. Instead, my report just shows the last XXXX " servicing companies '' on my report and when I last looked they erroneously said I had a late payment. 
I have disputed this late payment ; and want it removed.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

Equifax will not release my credit report to companies that request it. I am trying to purchase a house and the following lenders are unable to access my Equifax Credit File : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I need this fixed immediately. 

I have no security freeze on my credit report as confirmed by Equifax when I call. I am also unable to access my credit report when using XXXX and I have never been able to access it using Annual Credit Report.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you