davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control (CA)

I've made numerous phone calls to internal collection department of XXXX XXXX XXXX XXXX to confirm no debt with them and to complain about their third party collection robot-calls. Somehow my debt, even though already paid off, was passed over to their external debt collector ( Continental Credit Control ). At each of my complaining calls to XXXX XXXX collection department, I was assured that there is no outstanding balances for me to pay, therefore they'd contact Continental to stop them from calling me once and for all. Yet, as of XX/XX/XXXX I've been getting Continental 's robot-calls for 5 months or so. 
Also, I attempted to get connected directly with Continental 's representative who's supposed to be in charge of my account many times but failed. And, at another time I was told by a different Continental representative that she'd let the one in charge know about my account status. I'm really frustrated being  tossed around between these two business practices and can't wait to get my peace of mind back from their pesky robot-calls.
Consumer complaint received 2018-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRSTBANK (CO)

I opened a checking and savings account with First Bank on XX/XX/XXXX in order to take advantage of the XXXX $ promotion they had. They told me that I would see the credit aplied with in 60 days of opening the account ; however, the credit was not aplied. I check my bank account two to three times a week to make sure that everything is running smoothly but have not seen the credit applied once. Today I decided to call and check when I would be seeing the credit but was told that it was posted on XX/XX/XXXX. See it in the bank statement but i know for a fact that it was not made available to me as Ive been constantly checking my account and it has not reflected the deposit. Now that I want to go back to the deposits and withdrawals that Ive made online and in the app it says that the details for XX/XX/XXXX-XX/XX/XXXX are no longer available and the statements are the only place to see the deposit?!
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (SC)

On XX/XX/XXXX I disputed a account placed on my credit report from XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX claims they were collecting for XXXX XXXX XXXX XXXX. XXXX XXXX originally informed me to dispute with the collection agency and the bureaus bc they did not send anything to collections. 
I dispute as advised and the collection account was removed. I get an alert today informing me that Aargon Agency has placed this same account back on my report. I called and spoke with XXXX who was VERY rude and basically tried to over talk me. This collection agency is in violation of several aspects of the FDCRA. This company is also reaging debts that they clearly do not own and can not verify according to the FDCRA. Aargon agency is reporting that the account was placed with their company on XX/XX/XXXX but this same account was removed and deleted from my report with XXXX XXXX XXXX on XX/XX/XXXX. How could the account be placed with them in XX/XX/XXXX when XXXX XXXX XXXX was still reporting the same account in XX/XX/XXXX then deleted in XX/XX/XXXX after I followed all proper procedures to have it removed??? This collection agency is using illegal tactics to get consumers to pay collections they do not own.
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (CO)

Experian.com leads you to believe they have a basic service that has no fees. I was hit with a fee, {$21.00}, and canceled the membership online in early XX/XX/2018. Experian pulled another month 's fee in XX/XX/2018 and I've been unable to connect with customer support to reverse this second fee. The website directs you to an automated service that does not allow you to question the fee or file a complaint directly with the service. 

My member number is XXXX And the transaction appears below in my statement. 

XX/XX/2018 Experian* Credit Report {$21.00} SUBSCRIPTIONS & MEMBERSHIPS Post Date : XX/XX/2018 Transaction Date : XX/XX/2018 City/St : XXXX, CA Zip : XXXX Country Code : US Category : Subscriptions & Memberships Transaction Code : 05 Reason Code : 00 Transaction Type : Purchase Original Amount : {$21.00} Original Currency : USD XXXX XXXX XXXX XXXX Description :  Continuity/Subscription Merchants Merchant ID : XXXX Originating Account # : -
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from XXXX, Experian, and XXXX the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on XXXX, Experian, and XXXX is negatively impacting my ability to qualify.

Thank for your time and assistance, XXXX XXXX
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

Dear CFPB, I contacted PNC Bank last week in regards to a check that I wrote to myself from my XXXX Account. I deposited the check on Monday XX/XX/2018. The disclosure on PNC mobile bank state that funds would be deposited within 2 business day. I waited the 2 business days and no funds were deposited to my PNC checking account. I contacted PNC on Friday XX/XX/XXXX and the representative told me I had a hold on the check and would be deposited to my account on XX/XX/2018. I checked my account today XX/XX/2018 and no funds were deposited. I contacted PNC again in regards to my missing funds and now are telling me because it is a new credit card now the funds are being held until XX/XX/XXXX. I advised the PNC representative that I have written numerous checks payable from myself from my XXXX account and do not understand why the bank is withholding funds that I need to pay a bill with. No one has helped me at all and I feel the bank is taking advantage of me. Without the funds, I can not pay a bill and is negatively impacting me. It is extremely unfair that PNC is withholding funds and keep being changing their reasoning why they won't give me my money, and if anything keep changing the story on their end. It appears to me that they simply want to take advantage of me and the situation. I am writing for assistance from the CFPB to help in this matter.
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. (TX)

The fraudulent entries on my consumer report remain despite multiple disputes. These unauthorized items are the result of documented identity theft and were never authorized by me. Your continued reporting of this information violates federal consumer protection laws.
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from TransUnion, XXXX, and XXXX the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on TransUnion, XXXX, and XXXX is negatively impacting my ability to qualify.

Thank for your time and assistance, XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello and good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.
Consumer complaint received 2018-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (KY)

On XXXX XXXX I received a call from my brother informing me He recieved a call from XXXX XXXX requesting that I contact them. I called them immediately and spoke with XXXX the branch Manager. I let him know I was extremely disturbed by them contacting my brother getting him involved in my business especially when the payment was only about10 days late. He proceeded to inform me I was late on my payment and wanted payment today. I explained I was not able to pay today and he demanded it must be paid by XXXX XXXX. On XXXX XXXX XXXX the branch Manager contacted me and I told him I was not able to pay it today and his response was " we don't want your business as you are always a few weeks late on your payments. You need to go to XXXX XXXX XXXX and get the money to pay off your account ". I was shocked when I heard this. On Monday XXXX XXXX I went to the office to meet XXXX and when we met I let him know I felt like he owed me an apology for treating me so disrespectful. He responded rudely and arrogantly stating we expect people to pay their bills on time. I have never been treated so disrespectful by a company that I am doing business with. He did his best to make me feel like a low life bum.
Consumer complaint received 2018-10-02
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. (NC)

After months and several attempts of trying to get the credit bureau to verify the information being reported on my credit profile, they have not cooperated. I've reached out to them several times to try and resolve this matter but they continue to blatantly break the laws set in place to protect the consumer. They refuse to supply me with a report detailing their methods and procedures used during their investigation. They have not produced any evidence that the information is accurate what so ever, yet they continue to violate my rights and report inaccurate information that negatively affects me.
Consumer complaint received 2018-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc. (TX)

This issue is regarding my car loan with Mid Atlantic Finance : XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX I'm attempting to pay off my loan balance in full, which is over {$3000.00}. 

I was instructed to either pay via debit on the loan company 's website or send them a XXXX payment. Neither one of these methods worked. 

Their website blocks payments over the minimum amount due. 
On XXXX, they don't accept payments over {$2500.00} and XXXX charges {$87.00} per transaction which would mean I'd have to pay double the fees. 

They seem to be intentionally making the payoff difficult in order to lock people into paying interest for the life of the loan.
Consumer complaint received 2018-07-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mid-America Accounts Control Bureau, Inc. (MO)

Collection agency tried to collect dept, I informed them in writing that I dont own the dept and have no knowledge of it. Instead of providing proof of debt, collection agency placed a negative report in to the XXXX. When I called XXXX  to dispute it, exactly the same item was placed second time, which XXXX informed me that collection agency did it. Collection agency failed to inform me about its intentions to place negative record in my report which is agains low.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my XXXX file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

2. Account Name : XXXX Account XXXX : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my XXXX file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my XXXX file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have previously reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documents and screenshots of my credit report to highlight the inaccuracies and substantiate my claim. Please investigate this matter promptly and update my credit report with the correct information.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts XXXX XXXX XXXX Acct XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Pleaseblockthisinformationfrommycreditreportwithinfourbusinessdays, pursuantto section605CoftheFairCreditReportingAct Pleasesendmenotificationoftheactionstaken.Iappreciateyourpromptattentiontothis matter.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TN)

I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debts and have filed an identity theft report. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of American Credit Card Number : ending XXXX DISPUTE Case Number : XXXX I would like to DISPUTE for the charge on XX/XX/2018 with XXXX XXXX with the amount of {$15000.00}. 

XX/XX/2018 XXXX XXXX XXXX NC {$15000.00} XXXX   was shut down by the Federal Trade Commission ( FTC ) on XX/XX/2018 for being a scam and fraudulent company. The Receiver has post the final decision that XXXX was permanently shut down on XX/XX/2018. The merchant failed to perform based on the agreement and contract we signed. The lifetime access to website training are no longer there. The mastermind that was scheduled on XX/XX/2018 was also cancelled due to the shut down. 

I tried to contact XXXX, but unable to reach anyone because it was shut down by the FTC. Later on, the receiver acted on behalf for the merchant to respond to the bank. It was a valid charge but the merchant was unable to perform due to the shut down. 

In the same time, I contact Bank of America numerous times to dispute the amount. I have provided all official document from FTC and receiver, my agreement/contract with XXXX, the receipt from XXXX, and many other supportive documents to bank of america to support my dispute. The dispute team was very difficult to contact, and the dispute was first denied, then approved, and then again denied.
Consumer complaint received 2018-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I contacted Ocwen to for Modification. I have made every payment this year, however I am having trouble getting Ocwen to help Modify the loan. The use these stall tactics where they keep requesting the same information over and over again until you end up in foreclosure. I had to file a bankruptcy to stop it now I allowed my bankruptcy to lapse and Ocwen is now saying that they need additional paperwork. This happens over and over again. They did not honor the court order from before and they keep finding excuses to not approve the modification. I know they don't have to approve it but the stall tactics are not the proper way to do business. I have submitted my paperwork again and I have been submitting it for over a year now. Please help me get answers.
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-02
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: PNC Bank N.A. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018 ; XX/XX/2018 ; and XX/XX/2018. It is now XX/XX/2018. I sent the PNC BANK, NA and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2018-10-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (KY)

I refinanced my used car the following month after purchasing it. I also cancelled an anti theft and GAP insurance prior to refinancing. I received a pay off amount from Ally Financial and paid it off with my new loan from XXXX XXXX XXXX specifically I worked with XXXX XXXX ( XXXX XXXX XXXX figured the daily interest, refinanced my 2013 XXXX and I waited on the title. Ally Financial sent my refund check for the Gap and Anti Theft back to XXXX XXXX saying it was a duplicate check and would not release my title. As I was paying XXXX XXXX XXXX on my car payment they were reporting me late to the credit companies when they were paid in full. It took Ally over a year to iron out their mistake but they have released my title now. I have proof from the current bank with my loan, all documentation of pay off from Ally, XXXX and XXXX XXXX and have been timely on every single payment with auto pay from my account. However, Ally Financial says they only report late payments and can not rescind those reports to the credit agencies.