davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The original owner was XXXX XXXX  sold to XXXX XXXX XXXX XXXX. I settled and paid in full with XXXX XXXX. I need XXXX XXXX as well as XXXX XXXX to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx XXXX XXXX
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX of XXXX, XXXX XXXX XXXX incorrectly reported that my student loans were in default. In XXXX I began the process of pre approval for a house, during this time I contacted Experian to correct my credit reports to remove the dispute status on my student loan. The problem was corrected at first but then due to repeat negligence with Experian the dispute charges remain on my report although the issue had been rectified with XXXX XXXXXXXX XXXX. After 7 months my credit score has not rebounded due to Experian being unwilling to report the proper information on my credit report. At this point I feel I need to pursue legal counsel, as this is delaying me being able to get a house. As a consumer I should not be at the mercy of a non governmental agency.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Im not sure if I chose the correct option for this matter, but I received a collection notice in the mail from ARS ACCOUNT RESOLUTION on XX/XX/21 in regards to an alleged debt. I sent a validation letter certified during the dunning period on XX/XX/21 that shows delivered as of XX/XX/21 at XXXX XXXX. However, I recently reviewed my credit report and noticed that ARS reported this account without sending the requested information to validate this alleged debt. This collection agency failed to acknowledge my request for validation, and completely ignored my request.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NC)

I was informed of a collection on my credit report. The collection is not mine. I am not sure where this is coming from. I have reach out to the credit Bureaus and they say I need to file complaint with you. I have reached out to collection agency and asked for proof what they are claiming is mine but, they were not able to provide supporting documents. They stated that I need to contact the credit bureau to get this removed. This is fraud and I need this disputed and removed please. This is affecting my credit.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NC)

Submitted application for XXXX XXXX credit card due to my credit file being restricted to obtain credit without verification I had to do extensive verification I went through that process with representative as she verified identity she proceeded to process my application when she presented me status she stated it was denied due to info not being verified I find that hard to believe with every piece of information matched up to my identity as well as what is on credit file I feel as this is an act of discrimination why credit wasnt granted and I want this to be looked over the reason for decision was not warranted and not fair.
Consumer complaint received 2022-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IL)

My VA loan was purchased by BSI financial XXXX # XXXX. My loan was escrowed for insurance and county taxes. My property is made up of 2 parcels. I received letters from my insurance company that my policy had not been paid. I spent hours trying to contact someone from BSI. They claimed they had the wrong company listed on my loan and kept getting the funds returned. They made no attempt to contact me when their attempts to pay a policy at the wrong insurance agency were blocked. I am now receiving letters from the county about taxes not being paid on a parcel connected to my loan. I spoke by phone with a representative who stated they only show 1 parcel on my loan. I have made numerous attempt to contact them being prompted by phone messages to leave a message and they would return my call when available. I have made online email messages. I get an email that I have a secure message but the system they use gives continuous errors or fails to load. I would like to remove escrow but can make contact with a representative to have action taken.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently had my credit reports pulled by a lender and realized that only TransUnion was reporting my data. After much research, it was determined that there is a problem with my social security number. It appears that at some point the last two digits of my social security number were compromised, and now both numbers are associated with my information. 

Please be advised that the last 4 digits of my social security number are XXXX, but some reports have it as XXXX. This error is having a detrimental effect on my ability to obtain credit and needs to be corrected IMMEDIATELY.
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

please see attached CFPB complaint filed today against the collection agent, XXXX and XXXX that is wrongfully appearing on my XXXX  AND TRANSUNION credit files.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (FL)

Submitted a " dispute request '' on XX/XX/2018 concerning Phoenix Financial Service, LLC.

Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations. 3 ) Please remove this creditor for incorrect balance amount account. 

On XX/XX/2018 received email update concerning dispute result. 
Phoenix Financial Service remains on my credit report.
Consumer complaint received 2018-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PREFERRED CREDIT INC (AZ)

On XX/XX/XXXX I submitted a Payment for the final amount of {$42.00} it was processed on the following day, On XX/XX/XXXX they took another full payment of {$68.00}. I called them on XX/XX/XXXX to get the problem resolved. I was told that the payment would not stop until I called them, so they would have continued to take monthly payments every month had I not called on the XX/XX/XXXX but it was to late and they could not refund the amount taken on XX/XX/XXXX even though they were paid in full. I again tried to contact them by email and again on XX/XX/XXXX with no avail they keep insisting that They do not owe me anything but the {$19.00} which would have been the only over payment if I had not paid the full amount on XX/XX/XXXX. So now I am going to have to go to my bank and have them refund my money to me that they will not an go through the whole aggravation of fixing their mistake. It is not fair nor is it right that this is how they conduct their business. Thank you for your payment. Below you will see the email sent to me. Due date of XX/XX/XXXX2018 paid on the XX/XX/XXXX. I removed account information for privacy reasons. Their should not have been any other payment due on the account or any more money take from my account. 

This email is to confirm your payment submitted on XX/XX/2018 for your Preferred Credit account. 

Confirmation Number : XXXX Payment Amount : {$42.00} Scheduled Payment Date : XX/XX/2018 Amount Due : {$42.00} Payment Due Date : XXXX-2018 Account Nickname : XXXXXXXX Routing Transit Number : XXXX Account Number : XXXX Account Type : Checking Account Category : Consumer If you have questions about this payment or need assistance, please view the payment online at http : //www.preferredcredit.com, or call Customer Service at ( XXXX ) XXXX. 

Thank you for using the Preferred Credit electronic payment system. 

( A friendly voice when you need it - easy, self-help options when you don't. )
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc. (AL)

XXXX certified letters within a XXXX day period to Amsher Collection Services XXXX Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Amsher Collection Services XXXX Inc. purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Amsher Collection Services XXXX Inc. and myself, signed by me, stating that I have a contractual responsibility to Amsher Collection Services XXXX Inc. for the alleged debtsXXXX.Provide proof that Amsher Collection Services XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Amsher Collection Services XXXX Inc. Amsher Collection Services XXXX Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Amsher Collection Services XXXX Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
Consumer complaint received 2018-08-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

Over 30 years ago I opened an IRA with XXXX XXXX. XXXX XXXX was bought by XXXX who we eventually bought by Wells Fargo. 

Currently, I find my IRA is in a CD account earning 0.05 % interest. I have been attempting to transfer this to an IRA account at a different institution. 

I have made two attempts to transfer that money through that other institution. I wanted to do it directly to avoid any tax withholding. The first attempt was made through and account transfer form signed via DocuSign. When this attempt was made, Wells Fargo said they only take wet signed documents. So, we repeated the process with a wet signed account transfer form. Well Fargo then indicated that the money was tied up until XX/XX/XXXX. I'm guessing that's when the CD expires. 

I looked online and it appears the going rate for CD IRAs is around 3.0 % ( vs. 0.05 % ). And, not surprisingly, Well Fargo is making it difficult for me to get my money. It feels like a ploy to make me give up and just leave my money there. 

Wells Fargo has had the use of my money for the past 30+ years and clearly have no interest even in letting me have my deflated dollars back. 

I have made numerous calls both to customer support and to their IRA department.
Consumer complaint received 2018-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

i have on several occasion had to pay less than what was due on this account at tower loan in XXXX, XXXX , i keep it as caught up as my finances will allow without just blathing not paying it at all, i get repeated rude intemdating calls from this branch and all of its employees including the branch manger who went so far as drive to my home where my children were to leave me a note taped to my door, then i was informed that he was in fact allowed to do so. they contiue to call me with rude, intemdating calls repeated calls and even call my place of work after being told not to do so. 

even when my account is caught up my balance is substanilly higher than it should be it seems like no matter what i pay the balance never changes. XXXX XXXX, XXXX and XXXX are all part of the calls that are not professoinal at all.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

Related case # XXXX Thank you for your investigation response. Can you please send me : ( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 

tel:XXXX
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX separate charges of around $ XXXX were charged to my Chase XXXX XXXX card around XXXX EST from a foreign country with the description as XXXX XXXX , XXXX XXXX XXXX XXXX . I received an email from Chase 's Fraud Group and confirmed that the charges were not mine, and then called Chase 's Fraud group directly to make sure the card was cancelled. Chase was not able to tell me exactly how they got my CC # but I would like to learn as much as possible so I can change my behavior ( if it was my fault and prevent future thefts from happening ).
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

I was never fully informed that I need to consolidate my loans to be eligible for forgiveness. I was told that because I work for a non profit and I am on the " Income based repayment '' plan, I would have my loans discharged after x amount of payments. Three years later, in conversation with a representative, I was told that because I did n't consolidate I am out of luck. I consolidated, but now have ten more years of payments.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a recipient of Unemployment Insurance benefits from the State of California via debit card issued by Bank of America. On XX/XX/XXXX my debit card was frozen due to alleged fraud. Since then, California has determined that my account was NOT a fraudulent account ( XX/XX/XXXX ). My identity has been verified numerous times to CA XXXX. To date, Bank of America has refused to re-open my debit card, will not give me a balance which was approximately {$7900.00}, and will not send a check to me instead. Their response is that " due to bank policy '' they can not unfreeze my card. They will not explain in detail what that policy actually is. I have been working through my State Senator 's office XXXX XXXX, to resolve this since XX/XX/XXXX. This morning I was informed by his office that CA XXXX has exhausted all options to resolve the issue with Bank of America. They referred me to your offices for resolution. Here is the response from his office : " Unfortunately, XXXX has exhausted all options and was unsuccessful in obtaining further assistance from BofA regarding payments that are on hold on your constituent 's bank account. Therefore, the constituent must continue to work with BofA for a resolution. In addition, the constituent may also file a complaint with the Consumer Financial Protection Bureau. They are responsible for overseeing complaints in the banking industry, and in our experience, they take swift action in response to received complaints about transactional fraud. A complete description of this process can be found here : https : //www.consumerfinance.gov/complaint/. Once submitted, individuals can follow the status of the complaint on the CFPB 's website in real-time. 

Im sorry at this point XXXX does not have the ability to change BOA policy and open the account. Please submit the complaint with the Consumer Financial Protection Bureau as they have the jurisdiction to resolve this issue with BOA. Thank you! ''
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (CA)

XX/XX/2018 at XXXX PST I received a call from Citibank calling regarding a XXXX  More Commercial account. The representative informed me this was an attempt to collect a debt and the call may be recorded. She asked me a series of questions which I provided answers. It was presumed that these were not the answers she was expecting and that's when the representative ( she ) became abusive until I had to disconnect the call. 

She said, I am required to ask you these questions and my response to her was, I answered your questions and right now this is causing me extreme anxiety. I am currently considered a XXXX person. Then she says, YEAH YOU ANSWERED THEM INDIRECTLY!!! I NEED DIRECT ANSWERS!!! This was all said in a demanding tone and she went on to threaten me with closing the account and a list of other things, I had to disconnect the call.
Consumer complaint received 2015-04-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (NY)

I signed up for pnc bank account last year and used it as my direct deposit account and also my tax return. IN that time I sent a check from my bank I use for purchasing and selling online to them to put extra money in that account except I wrote it from an old checkbook which had closed my account. At that point I had a positive balance and it went negative. B4 they even asked me about what was going on they closed my account which my next pay check that week would of covered what was overdrafted and it was a clear mistake on my part and I apologize. I owe the bank XXXX dollars that I would like to pay them in return having my account removed from chexsystem as FRAUD which I have never committed and never plan on committing. I think I received an unfair judgment here.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  Loan # XXXX -I have disputed this account multiple times and it continues to be removed then 2 months later re-appear on my report then changes an amount or date. Nothing has been consistent and they continue to report and change dates that are not wrong. When I first sent a letter to dispute, I disclosed that I didn't even open an account in XXXX. XXXX  Loan # XXXX continues to find some small loop hole to be able to report and its deceitful and prolonging my ability to purchase a home. I know this should be removed because it has been previously, then when I check my credit 2 months later it re-appears without in notice to me and has a different number and amounts. I want this account removed immediately from my credit report. Especially since this account has not showed back up on XXXX from dispute.Dates of letters regarding this account : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-08-14
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: United Revenue Corporation (TX)

Never provided debt validation ( Duplicate bills ) for multiple accounts disputed with bureaus a few times listed on my credit report in full detail of medical services with 30 days. Never contacted or correspondence received.