davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
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. (AL)

I did a dispute with TransUnion about a month ago, and, today, I received an investigation report with the updates. For some unknown reason TransUnion has placed part of my name with a past dentist 's name and can not explain how this happened. TransUnion states that the creditors ' verify information. That is not true in this situation. I demanded this name be taken off my credit report, immediately. He hesitated for a moment until I yelled at him. Then, on a item that has been disputed since 2014 and deleted by the two other credit bureaus, the TransUnion rep refused to delete stating that the creditor has stated that the information is accurate -- kept repeating this until I hung up. Attached is a copy of the erroneously updated credit report.
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have reached out to Portfolio Recovery Associates, XXXX three times via certified mail over the past three months. I have asked on all three certified mail letters that this debt is not correct and that I would like to have removed from my credit report. I have only had one letter come back to say that the dispute has been reported and that this bill is correct. I responded back via certified mail that I would like to know the procedure used to determine the accuracy and completeness of the information is requested within 15 days of the reinvestigation. I asked for names, addresses and telephone numbers of each person contacted regarding this alleged account. I also asked for any documents to be provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. I also made clear that any automated response or XXXX verification is unacceptable as verification. I have not received any such clarification from Portfolio Recovery Associates, XXXX to this day. This is clearly a violation of the Fair Credit Reporting Act and if not resolved, I will be forced to take action in a small claims lawsuit.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MO)

Ive disputed XXXX XXXX & XXXX XXXX through XXXX and XXXX because they have listed the same accountXXXX XXXX XXXX three times in the amount of {$460.00} on all three of my credit reports of XXXX, XXXX XXXX XXXX. Thats incorrect. I did not have three accounts for that amount. And the dates opened are wrong. I didnt open any credit card in 2023 as XXXX and XXXX has listed.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (GA)

credit reporting companies : XXXX XXXX and XXXX are all reporting inaccurate information on my public record on my credit report. It has hindered my ability to purchase a home for my family I have reached out to each and they all say they can not verify my identity. In that case you all have improperly added false information to my consumer report and credit report.
Consumer complaint received 2020-08-28
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: Capital Accounts, LLC (GA)

On XXXX XXXX Capital Accounts LLC add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and Im no longer responsible for the account Capital Accounts LLC did not verify this collection. Also there was no written form of communication, contact or signature for this accused debt at all. a bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Capital Accounts LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (OH)

QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. Seterus failed to placed the {$51000.00} in the class XXXX claims and by not doing so was discharged at the confirmation of the plan. Seterus failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. Seterus did adjust the loan on XX/XX/XXXX only after Seterus had violated the bankruptcy code and FDCPA. Seterus during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. Serterus in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class XXXX ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. Seterus did not let this happen paid them off and then demanded the amount in full.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CULLEN/FROST BANKERS, INC. (TX)

Today on XXXX XXXX, 2024 around XXXX XXXX, I was discriminated against for my employment field when I went to open a checking account at Frost Bank . The location I went to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX United States I was assisted by a XXXX lady that was working the front desk. She asked for my ID/DL, we sat down and began the enrollment process. She asked the basic enrollment question ( SSN, employer name/position, etc ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Once I told her my info she then asked me why I would like to open an account. I said because I need an account to put money in. I believe she asked me why I would like to open an account after I told her my occupation. She then gets up and says Ill be right back I have to speak to my manager. She comes back and said my application was denied because the address on my DL isnt in XXXX where I applied and also where I work. My address has never been an issue when I open bank accounts at physical locations. Frost Bank is not based in XXXX and only in XXXX, I just wanted to apply in person. Her and the MOD discriminated against me based on my employment and lied and said it was about the address. I know because I then went to go apply for an account online in the Frost Bank app and provided the same information I gave them at the bank. I got instantly approved with no issues. I believe they thought I was into online bank scams or anything else that gets negatively associated with the XXXX XXXX so they denied me.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Capital Accounts, LLC (IN)

My spouse was employed by XXXX XXXX  XXXX. While she was employed with them the owner XXXX told us we could get XXXX work done and we only had to pay for the lab work. I got XXXX XXXX XXXX and paid what they told me I had to pay, which was {$190.00}. Everything was ok, until my wife was fired and XXXX went by back and charged me another {$590.00} and then sent it to a collection agency which then put it on my credit report. This is very unacceptable from any dentist or doctor.
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Last month XX/XX/XXXX I sent a letter to CREDENCE RESOURCE MANAGEMENT ( XXXX XXXX XXXX ) requesting debt validation becuase this is not my debt to this date XX/XX/XXXX I have not received any response from the company I want to make this very clear I have no contract with CREDENCE RESOURCE MANAGEMENT or even XXXX XXXX XXXX regarding this matter please remove this from all three major credit bureus. 

Thanks
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

3 Accounts with Portfolio Recovery Associates I have written to Portfolio Recovery Associates and mailed certified mail on three separate occasions to have this debt removed from my credit report. I have requested to have Portfolio Recovery Associates to provide me with a copy of any viable evidence bearing my signature and as of today has not been done by Portfolio Recovery Associates, with any automated or XXXX verification is unacceptable. I have also notified Portfolio Recovery Associates that by continuing to report on my credit report it is a violation of the Fair Credit Reporting Act. I have also notified in all my three certified mail letters that if not removed from my credit report that I will file a small claims action against Portfolio Recovery Associates. Only response I receive from them is a that the claims have been verified and they will not be opening another investigation, but have not responded to me with viable evidence bearing my signature. Their office considers this matter closed and I do not have any evidence and how can they close this matter without sending me what I have disputed. 
Account numbers are as listed : XXXX for the sum of {$2300.00} XXXX for the sum of {$910.00} XXXX for the sum of {$340.00} All three accounts do not have my correct name and have wrong address on the bills. 

Thank you for your time and I look forward to getting these 3 matters cleared up and off of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX
Consumer complaint received 2018-09-24
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. (FL)

Please require Equifax to delete the items from my credit report, as Equifax has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit reports and Equifax has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. Equifax has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but Equifax still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/XXXX, I mailed my final certified letter to the Equifax Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter and the proof that one of these accounts is in the wrong last name. 

Please demand that Equifax uphold their obligation to delete these items from my credit report.
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (AZ)

Continuing calls, wont accept my payment offer due to financial hardship of loosing my XXXX  and being XXXX  with my kids from a XXXX XXXX and the insurance paid my loan off. Apparently I didnt have Gap insurance. But I am still XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I opened a business checking account with BOFA, in XXXX NY, on XX/XX/year> with the promotional offer for {$200.00}. The offer required depositing $ XXXX within 30 days and maintaining the balance. I met the requirements and have yet to receive the bonus. The account was opened with XXXX XXXX XXXX. XXXX XXXX assured me that the promotion was associated with my new checking account. I have reached out to BOFA on several occasions and have been unable to get this matter resolved.
Consumer complaint received 2018-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I tried calling my loan servicer " LoanCare '' - A service link company. I had previously asked them via request on their website to provide me records of my XXXX interest forms for XXXX and XXXX. They advised I needed to go to the old servicers and ask the previous servicers to provide those statements. This was misinformation as the previous servicers ( XXXX, XXXX, XXXX ) advised that all record of my account was purged and all documentation was migrated to the new servicer. 
I called LoanCare and advised them of this on XX/XX/XXXX and they advised me to submit another online request. I asked to speak to a manager and was put on hold for 15 minutes. After that hold, I was told a manger was not available and would call me back. 
No one ever called back. 
On XX/XX/XXXX I called and spoke with a manager XXXX XXXX. I advised of my situation and she advised that I would have to reach out to the prior servicers. I advised that I had tried that to no avail, and that as my current servicer, it was their responsibility to service all aspects of my loan, including providing me with historical documentation such as XXXX   forms. I advised I was getting frustrated and would file a complaint with the CFPB. After I mentioned I might file a formal complaint, she advised her team could research and track down the prior XXXX for me from the other servicers and that I should expect a response within 5-7 business days. 
I didnt bother asking why they all of the sudden where willing to help me when I mentioned that I would file a complaint to the CFPB. 
If they had the ability to do this the entire time, why couldnt they just have helped me from the start? 
I spoke with XXXX XXXX on the 7th business day. She was helpful to the best of her ability, but it seemed like she did not quite know when the request would be completed I advised I would follow up on XX/XX/XXXX and then did so. 
I again spoke with XXXX XXXX on XX/XX/XXXX that they were waiting on prior servicers to deliver the forms to them, but was unable to answer when that would be completed. 
I'm in desperate need of my XXXX forms so I can file my taxes, but LoanCare/other prior servicers seem to be unwilling/unable to work with me to provide those forms. 
I would like to note, I think this is an issue with the overall servicers ability to complete my request. XXXX specifically has been as helpful and willing to assist as anyone could expect her to be. 
I am now asking for CFPB intervention in hopes to finally get the documentation I need. 
Please help. 
Additionally, if possible, I am requesting that my loan be service transferred outside of the service link family of servicers to a more organized, more ready to assist servicer. 
Please feel free to reach out XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (TX)

Hi i noticed there was a hard inquiry on my credit from OneMain financial on XX/XX/year>. I spoke with a customer service representative from OneMain financial institution on XX/XX/year>. They were able to confirm a application for a loan was applied under my social security number at a OneMain location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The representative stated she will mark the application as fraud. she told me that the application didn't go through. I'm more concerned about the identity theft and the hard inquiry that impacted my credit.
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (CA)

On XX/XX/2018 at XXXX XXXX, I contacted XXXX XXXX XXXX , XXXX and spoke with XXXX XXXX regarding a judgement letter I received regarding a Citibank credit card they purchased. A judgement was entered in the amount of {$3300.00}. Enclosed in the letter, they advised they were inquiring about assests and ability to satisfy judgement. Moreover, they included a financial disclosure form to complete and return. In the letter, they stated if we are unable to reach a voluntary resolution, they may seek to enforce the judgement. 

I spoke with Mr. XXXX and attempted to negotiate the balance. He asked why I had a financial disclosure form. I referenced the letter I received and explained why I was contacting them. I received a VA XXXX check, which is exempt from being reported as per their disclosure letter. I did advise him of that ; I was trying to be forthright and honest with our situation. On repeated times, he kept asking how much the VA payment was. I referred back to their letter and advised I did not need to disclose that information. 

I next requested to speak with someone to attempt to continue to negotiate the balance. I was provided XXXX XXXX to further discuss the situation. He stated the offer of {$2700.00} was the best they could offer to settle. I further advised that it wasn't possible. I explained in detail my financial situation and that I owed the IRS back taxes as well. 

When I mentioned the letter, he stated they already filed the lien against my house. He further stated they will get paid. And, if and when I sell my house, they will get paid before any sale is completed. I asked when the lien was filed, as I've not received any notification. I then referenced the letter, stating that they could enforce judgement, but has not been done as of yet. 

He balked, took a break, then apologized, stating he mixed up accounts. I advised him that I knew my consumer rights and he could not threaten me with liens as a tactic. He made me nervous ; my voice and emotions went up. I advised him that I know the call was recorded, I was filing a complaint, and the call better not disappear. I asked to be transferred to someone else. 

I was transfered to XXXX XXXX. I explained the situation with both employees. He said sorry, there's nothing else he can offer. At that time, I disconnected the call.
Consumer complaint received 2018-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I've requested proof a check issued on or around XX/XX/XXXX from Capital One was received and cashed by myself, the amount of which is XXXX. To date, I've received information showing a XXXX XXXX intercepted check, forged my name, cashed check at a XXXX XXXX XXXX in her name. This information shows funds received by this other party, not myself. On the morning of XX/XX/XXXX, I left for vacation around XXXX XXXX, a XXXX XXXX picked me up and drove me to XXXX XXXX. The check, which is a replacement for a prior one which had a stop payment on it, was intercepted by a XXXX XXXX on the following day.. Capital One has information which appears entirely circumstantial, does not link me to receipt of funds. Further, they fail to provide a mailing address to send a notice of small claim suit. I understand they use a third party for such notices but failed to provide address which has been requested numerous times. They provide a website to visit, which is not the information requested, I believe they are withholding the information, knowing they do not have any direct proof I cashed check/received funds. The proof they provided shows again, a XXXX XXXX received and cashed check, deposited it to a XXXX XXXX XXXX while I was away. I left for XXXX XXXX on XX/XX/XXXX, was there until XXXX, did not receive check and or cash it. Capital One claims they do not have a signature card on file, as most banks require.. However, if they check signature on both checks, one issued on XX/XX/XXXX and second one on XX/XX/XXXX, they will see signatures are different from another. The check received on XX/XX/XXXX, was cashed by myself, deposited to my XXXX account. This check had a stop payment placed on it, funds not received. The second check in question, which was intercepted, has a forged signature on it ... I request copies of both checks for my own signature expert to view, I also request Capital One have their own expert review them.