davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (AR)

Despite of my many written requests, the unverified accounts listed below continue to report on my credit file, I am still dissappointed as I found out that there are still accounts on my file that seems to be an error that needs to be corrected. Kindly investigate the following inaccurate accounts below that seems do not belongs to me. Kindly follow the law so that this matter can be resolve immediately. The following accounts below are inaccurate that are needs to be corrected : XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2018-08-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called XXXX and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-08-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX, I am going to change my tone to a professional manner in hopes that you will personally correspond or respond in a proper manner.I have definitely not receive the level of customer service I had expected from BANK OF AMERICA, because all of my accounts do not total over a XXXX dollars! What is astounding to me is the fact that this is how you treat a PLATINUM PLUS level customer that falls into the 97 % of the accounts that make up the BULK in banks, such as Bank of Americana. A couple of weeks ago, I had two accounts compromised which I had emailed you several times, and never got a respond from you. Two days ago I had another account compromised, and I still did not hear from you to show that you even cared. Im letting you know that on Monday XX/XX/XXXX, I will be withdrawing my funds out of Bank of America.

Unsatisfied customer, XXXX XXXX XXXX
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I would like to have my name removed from or OPT-OUT of all promotional ads for credit cards and insurance ads. My name is XXXX XXXX XXXX please remove any other variations. My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2009 XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX My information has been compromised I and the is a report on file with the XXXX Police Dept.
Consumer complaint received 2018-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: First Data Corporation (NV)

I own a small business that accepts credit cards for payments. The company used to process the cards is First data. They constantly withhold MY funds for DAYS and tell me that it is my bank blocking the deposit. Seriously????? They lie to me constantly and as of today, I do not have funds totaling {$4200.00}. I have asked for a wire and they refuse. The are owned by XXXX XXXX who has XXXX me before with the scam in XX/XX/2012 where they take your money and open other accounts without permission. 5 times in a two year period for me. Now they are withholding funds. I understand First Data does this to many people. They are scam artists holding onto my money for days. I NEED THIS MONEY FOR MY BUSINESS!!!!
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX I submitted a letter to XXXX to ask them to explain why XX/XX/XXXXpayment reporting is showing 90 days late in which the account suppose to be in forbearance status. When I contacted them back in XX/XX/XXXX to ask them that due to financial hard time I would like to put my account in forbearance status until my personal situation change. They approved my request and I was told that they will " back date the forbearance so it doesn't appear late to the credit reporting agencies ''. I have requested recording and documentation showing proof that they stated they will back date the forbearance. I haven't received any documentation transcript or documentation of my request. Also XXXX  is reporting a 90 day late on XX/XX/XXXX, but the XXXX and XX/XX/XXXX is reporting current. How is that? XXXX is not cooperating with my request I would like to receive the transcripts of the conversation n that took place in XX/XX/XXXX about backdating my forbearance so it doesn't appear late. XXXX  haven't provided me with verification of the conversation. I was promise that they will approve the request.

i
Consumer complaint received 2018-05-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (FL)

Good day : The CFPB option, ''-which best describes your dilemma? '' provided is not adequate ; describing the reason, the name of my complaint against Citibank. H I have two accounts ; Money Market. Acct. number XXXX XXXX XXXX Checking Acct. number XXXX XXXX XXXX. 

Personal Banker. XXXX XXXX, Personal Banker. 
Citibank, NA. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX and her branch mgr stated I could not have POD 's on my accounts. 
Instead, they would be held in trust in the event I die. NONSENSE! 

The purpose of establish an account with a POD is to provide my son with immediate access to the money when I die. 

By leaving the two accounts in trust, the monies would conceivably be tied up for years before there was a decision made by the Judge / the Court. 
NONSENSE! Total investment ; {$15000.00}. 

This is OUTRAGEOUS! INVESTIGATE. This is a SELFISH ACT. 
TAKE ACTION IF MY UNDERSTANDING OF this dilemma is correct. 

Do respond one way or another. Thanks. 

XXXX XXXX. Ph. # XXXX XXXX. 
Screen name. XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (CA)

Global lending services, call me when I am 24 hours after the due date. I have 10 days to get my payment in. Because it is such a large payment I divide it into two parts through my bank. They call me incessently to demand a payment immediately. I have set up the payments for the next months to be paid through bill pay in one payment. They have also charged me four times for late fees. The extra money I called them on four occasion to pay towards my principal and instead they have taken the late fees. Global lending is a predatory company that demands payment immediately and does not follow directions or listen to the customer for instruction on how to handle their account.
Consumer complaint received 2018-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (GA)

To Whom It May Concern- I am victim of IDENTITY THEFT.

As a result, There was an account FRAUDULENTLY opened in my name with ALLY FINANCIAL.

This is one of MANY accounts that was obtained as result of such.

Ive provided documents of such, that being, my POLICE REPORT & VICTIM ADVOCACY documents.

Ive contacted both the CREDITOR, that being, ALLY FINANCIAL and ALL CREDIT BUREAUS advising that this is not my debt.

LATE PAYMENTS & NEGAITVE information from this fraudulent account is NEGATIVELY impacting my credit score.

It is UNFAIR to me to have an account that was opened as a result of FRAUD continuously cause a NEGATIVE IMPACT on my life.
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST NATIONAL BANK OF OMAHA (OH)

On XX/XX/XXXX I telephoned First National Bank of Omaha to transfer a {$1500.00} balance with a 2 % fee and 4.99 % interest for life into my Credit Card Account with ( into ) my First National Bank of Omaha Credit Card account ... FROM XXXX / XXXX Bank ... in the amount of {$1500.00}. Although I could have traveled to my local XXXX Store and conducted this transaction personally, and paid this amount at the XXXX Store with a First National Bank of Omaha convenience check, First national Bank of Omaha told me over the telephone that this transaction would " post more quickly '' by doing the transaction through First National Bank via telephone ... so I proceeded by telephone with this balance transfer. On XX/XX/XXXX, First National Bank gave me a Confirmation Number of XXXX for this balance transfer transaction. On XX/XX/XXXX I received my XXXX/XXXX Bank Credit Card statement in the mail and saw that this {$1500.00} balance had NOT been transferred. XXXX/XXXX Bank even imposed a {$27.00} Late Fee on me, plus an Interest Charge of {$39.00}. And they reported me as being late and overdue with a payment to the Credit Bureaus. I telephoned First National Bank of Omaha and asked them why they Never informed me of this problem of a failed balance transfer? Their only explanation was that XXXX/XXXX Bank had Failed To Accept their " wire transfer of funds for this balance transfer ''. WHY? It is my claim that BOTH of these two banks are at fault, yet neither will work to help resolve this matter for me. Can you?
Consumer complaint received 2018-08-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (VA)

I financed the vehicle in XX/XX/XXXX. By XX/XX/XXXX the vehicle had been totaled lost. XX/XX/XXXX my insurance company made a payment of {$8500.00}. I was told by the finance company that the gap insurance was approved and would take care of the reminding balance. On XX/XX/XXXX the gap insurance kicked in and it didnt cover the reminding balance. So Im left with a {$220.00} balance. The finance company reported to the credit bureaus in XX/XX/XXXX that my account was current. In XX/XX/XXXX they reported that my account was 60 days or more late. If two payments were made to my account. One on XX/XX/XXXX and the other on XX/XX/XXXX. How can they report in XX/XX/XXXX that my account is late?
Consumer complaint received 2018-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (TX)

I was contacted stating that I owed {$880.00} by Merchants credit guide for a medical bill and this is inaccurate because I have health insurance and my copay for an ER visit at the time were {$200.00}. I have had at least 3 collections for the same Hospital and I've paid them down and never received anything stating that I owed {$880.00}. Now this has been added to my credit, lowering my score.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

My XXXX XXXX XXXX XXXX account was sent to collections to Portfolio Recovery Associates, and I successfully resolved the account. I was sent a letter and told that my account would be removed from the credit bureaus. My account still shows in the negative section of my XXXX  account as a XXXX balance charge off when this account should not be on my XXXX  credit report at all.

I've contacted Portfolio Recovery Associates numerous times this summer about this issue. I was told by XXXX XXXX that this account should not be on my credit report. I talked to XXXX XXXX previously and I was told on XX/XX/XXXX that this account was in the hands of Portfolio Recovery Associates. I called Portfolio Recovery Associates on XX/XX/XXXXand I was told that XXXX XXXX XXXX now has control of this account again.

Whoever has this account? Can my deal be honored with Portfolio Recovery Associates so this can stop being shown as negative on my XXXX credit bureau account, and be removed?
Consumer complaint received 2018-08-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

I have filed two previous complaints beginning XX/XX/2018 with NO RESPONSE of resolution! Each company continues to blame each other ... 
Complaint # XXXX Complaint # XXXX I have a FEDERAL Hamp loan that offered an incentive program for Payments made on time. AND I was offered a RECAST AGREEMENT from XXXX XXXX to be executed by XX/XX/2018. Both were completed and executed on time as agreed. My loan was then SOLD to Rushmore. I followed up with Rushmore and they sent back a letter stating that they would have this matter resolved within 15 days of the date of response to the CFPB on XX/XX/2018. Still waiting ... ..NO response! 
I have called and spoke to both contact persons representing my case at each lending institution and can not get this matter resolved. 
XXXX XXXX at XXXX XXXX has clearly stated that Rushmore MUST pay the $ XXXX per the Federal Hamp Guidelines. He stated that he made these notes in my account so that it was documented on my behalf. His direct line is XXXX Ext. XXXX When I spoke to XXXX in the Legal Department at Rushmore she stated that she did not understand why it was taking so long for someone to respond to her request. That she would have to check with Loss Mitigation to see if they could help her. She suggested that I file another CFPB complaint to protect my interest. Her direct contact information is XXXX direct line. 
I request for a full audit of this transaction and to finalize this within 10 days effective immediately. It is a federal law that my loan be credited the $ XXXX as agreed by the Recast agreement that was executed.
Consumer complaint received 2018-08-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Paid up with Bank of America. Have proof. Have proof of insurance scam. Have proof of forged documents.even have them on tape admitting that what they did was a mistake. Went to Sen XXXX in Delaware. Had all proof .They worked WITH BOA. Saying they would help. But stood by and did nothing.My husband was AT the XXXX XXXX in XXXX. To hear about the XXXX XXXX in protecting XXXX buildings and hear bullets zing by hitting the building. BUT you have to stand there because you are a XXXX. XXXX XXXX. he served and still had to leave his home after 12 years. Why because of the country Wide, BOA mess. And no one wants to help in Delaware.Please help us. XXXX XXXX XXXX XXXX XXXX XXXX We have proof. in writing and on tape.
Consumer complaint received 2018-08-20
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)

EQUIFAX is blatantly breaking the FCRA laws ... they refuse to investigate these fraudulent accounts properly, they previously responded to a previous complaint to the CFPB that these items were deleted from my credit file, yet when I pulled my latest report these items are still reporting ... ..every agent at the company lies, they told me point blank that they don't have to follow the same guidelines as the other 2 bureaus, my credit reports were with XXXX  and XXXX are reading as they should, my scores with those 2 bureaus are XXXX and XXXX respectfully, but EQUIFAX is reporting these fraudulent accounts that they responded were deleted and my score is a miserable XXXX, they are ruining my financial life and I am planning on suing for every penny that I can get from them ... ..they are the WORST!!!!! and I am attaching their previous response which is nothing but LIES!!! I am not going AWAY!! I will pursue this til the END!!!
Consumer complaint received 2018-08-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (CO)

In the year XXXX, I XXXX XXXX, co-signed for my daughter XXXX XXXX apartment at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX as she had relocated there for college. Once her lease ended in XXXX, I traveled to XXXX XXXX to help clean up and move her back home to XXXX. We took pictures of the apartment and completed a walk through with a representative of XXXX XXXX, which was cleared. We were told that XXXX could expect her full deposit of approximately {$350.00} in the mail. To this date, XXXX has not received her deposit. 
In XXXX, I received multiple phone calls from a woman who refused to provide her full name and was representing herself as a representative for XXXX XXXX, demanding a varying amount between {$160.00} and {$170.00} dollars. I requested written verification of the amount and reason for the amount as we had not been charged or notified of any further expense after the walk through of the apartment or within a reasonable time frame. I also reminded the caller that they had kept XXXX deposit, which exceeded {$160.00} and never sent her or myself an explanation of what that deposit was used to pay. To this date I have never received a verification bill or letter as requested to XXXX XXXX. 
In XXXX of XXXX, XXXX XXXX put me in collections for a delinquency of {$160.00} through XXXX, which I disputed and am attaching verification of letters sent from an attorney I was forced to retain due to XXXX XXXX negligent and unprofessional conduct. XXXX XXXX never responded to my request of verification and validity of their alleged money owed nor did they respond with verification of withholding of XXXX deposit. This lack of compliance by XXXX XXXX, resulted in XXXX  deleting the collections delinquency from my report in XXXX of XXXX. 
To my surprise, on XXXX of XXXX, I received notification that I was in collections again for this deceitful charge from SOUTHWEST RECOVERY SERVICE representing XXXX XXXX for the amount of {$200.00}. Here again, I never received verification of debt from SOUTHWEST RECOVERY SERVIC in accordance with the law. 
I have always ensured that I pay my debt in a timely and responsible manner. Had I received proper verification of debt from XXXX XXXX as I requested in XXXX and XXXX, I would have paid my debt promptly. However, I was not afforded that right. I am attaching documentation of this unfounded debt and proof that XXXX XXXX has acted in a negligent and unlawful manner by not responding to legal counsel representing me in XXXX. I demand that SOUTHWEST RECOVERY SERVICE investigate and immediately delete this unfounded delinquency from my credit report and notify XXXX and all credit reporting agencies.
Consumer complaint received 2018-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XXXX ( XXXX & XXXX ) Two fraudulent transactions occurred on my Capital One credit card One from a XXXX for {$630.00} and {$210.00} from a XXXX XXXX both in VA XXXX. I reported the transactions to Cap-1 as fraud and called the properties directly. XXXX reversed the charges immediately. Capital one applied a credit on the XXXX of XXXX for the XXXX XXXX charge. On XX/XX/XXXX XXXX XXXX reversed their charges. Simple right? All Cap-1 had to do was make their credit go away. Instead they left it for over a month and then issued a check XX/XX/XXXX for the amount. It arrived by mail end of month. I did not cash it because my balance had finally balanced at {$0.00}. A couple days later Cap-1 called and the lady told me that the check was a mistake and I should shred it. On XX/XX/XXXX they re-posted the fraudulent XXXX XXXX charge from XX/XX/XXXX. I called them and explained the since they had me shred the check I was not responsible for their mistake and they needed to handle their zero-liability obligation. Because they errantly issued a check on my account and charged the fraud a second time, I am down {$210.00} according to their sloppy accounting practices. If XXXX XXXX contested the charge it is still their problem. Not only are they not honoring the fraud protection promised me they have stressed me to the breaking point for over two months.
Consumer complaint received 2018-08-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Driver Holdings, LLC (OH)

i went to school to complete XXXX XXXX the school and contracted XXXX   companies assumed i will finish the class past all the test and be a XXXX  and i that was my goal too now mind you the 3 parts had their belief in what was going to go down and we were all wrong i went out with my trainers in XX/XX/XXXX he showed little interest in training me it was more about the dollar amount he was getting for me sitting in his XXXX as a trainee and he said it so many times and when he did not get what he from the company he showed less and he harassed me and went home frequently and when he came back he ranted and harassed me even more he would start off with that he missed his wife and he was going home and if XXXX didnt give him what he wanted then he wasnt going to complete my XXXX i was frighten of him he intimated me we XXXX   through 15 states ( XXXX ) with him acting like a crazy man by the end of XX/XX/XXXX i was on a different trainer this trainer was not happy to see me and when we started he yelled alot like we were in booth camp when i almost slammed into a guard rail he wanted me off his XXXX  so i left went home they want to garish my wages in XX/XX/XXXX i already have a court date and i am asking to settle this dept and what would it take