davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

Earlier this year i changed lender on home insurance. XXXX gave me a very hard time with that transition AND staff kept telling me I was wrong for change, as new amt was too high. XXXX offered NO help with resources at that time. 

As of XX/XX/2023 I will have a lower home insurance amt with new lender. I have notified XXXX through internal audit email of the change and requested a new adjustment on my acct, for a new mortgage amt for XX/XX/2023. I WILL NOT be calling XXXX customer service and be told what XXXX won't do, as all staff was wrong, the last time. I am seeking a new adjustment to amt monthly, as IT IS VERY DOable and was done earlier this year. 

I have done my part on my own, I now need XXXX to do their part in a timely manner.
Consumer complaint received 2021-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Collection account posted on my credit from an account I've never had. Portfolio recovery has been contacted and asked to verify the debit and refuse to do so. 

Portfolio Recovery Associates XX/XX/2020 {$17000.00}
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America administers the debit card for the California Employment Development Department. When EDD pays unemployment benefits to the card, the funds can be withdrawn, transferred and/or the card may be used as a debit card at any merchant that accepts Visa. Bank of America is preventing monies paid to me by EDD. Bank of America will not allow withdraw, transfer, nor card usage at merchants. Contacting Bank of America seven times in 3 days regarding this issue results in seven wildly different reasons for their block access to funds that I believe to be owned by me. From " your account is closed ' to " there's a block on your card '' to " we removed the block ( 3 times ) and you are good to spend or withdraw '' to " we need to transfer you to our 'risk ' department. '' None of these claims being accurate or true. However, the complaint is not specifically for the above mentioned issue. The complaint is for the staggering lack of accountability held to the customer service representatives. And for the stunning absence of any person overseeing both the performance and behavior of the CSRs. Six additional calls placed with 76 minutes of audio documentation taken by me with the only purpose being the simple request to speak with any supervisor that would accept my call. Not one of those calls resulted in my speaking with a supervisor despite my clear and respectfully toned request to reach a supervisor. Four of the six call audio recordings show being transferred to a number which rings infinitely for up to 45 minutes, and the remaining two calls and requests were met with 30 minute holds while the CSR attempted to find a supervisor. Each were eventually simply disconnected rather after the 30 minutes of hold time by either the CSR or the Supervisor. Bank of America holds not only my CA EDD UI benefits on behalf of EDD, funds paid to me, Bank of America also holds my business funds and personal checking and savings. What is going on at Bank of America. Who is running the company?
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.
Consumer complaint received 2021-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

The Company Continues To Report Inaccurate Reports To My Credit Report Even After Reaching Out To The Creditors And Letting Them Know About Me Being A Victim Of Identity theft! My Sibling, Deceased Father, & Another XXXX XXXX Had Stolen & Was Using My Credentials And Is Reported And Disputed This Matter And Accounts And Etc With Usaa Several Times as well as XXXX
Consumer complaint received 2021-03-22
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: Experian Information Solutions Inc. (NJ)

i just got a copy of my credit report and i saw that someone opened a XXXX account in my name. I have never had a XXXX account the address listed is not associated with me. I am attaching my ID that has my address and also social security card
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUMMIT MORTGAGE CORPORATION (MN)

I have mortgage from summit mortgage company but my mortgage automatically go from my account. They already received monthly payments from my bank account but they reported i dont pay yet. My credit score decrease 35 points. I need my credit score same like beforer otherwise im taking mortage to court.
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (IL)

The company has failed to correspond regarding an account that does not belong to me. The number that I was provided no one never answers. I also have disputed the account with the credit bureau and have attempted several times to do a direct dispute with the original creditor and the collection but they have failed to respond.
Consumer complaint received 2021-03-22
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. (CA)

i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-22
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. (CT)

I have tried to send serveral rounds of letters to the bureaus with no responses as well as no results from my letters. I'm showing incorrect information still. I should have gotten a response from the bureaus but never recieved a single letter back.
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I received a letter from the debt collection agency XXXX XXXX XXXX, XXXX stating I owe a debt in the amount of {$3300.00} that was owed to original creditor SYNCHRONY BANK and merchant PAYPAL in which XXXX XXXX XXXX, XXXX is the current creditor of this debt owed. I did not take out any type of credit with these creditors stated.
Consumer complaint received 2023-01-18
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. (TX)

On XX/XX/XXXX this letter was sent to CFPB to have the creditor correct the errors on my credit report. After 30 calendar days the creditor has not responded. Prior to i faxed the mentioned creditor on XX/XX/XXXX and no response was noted. The creditor has not responded to any correspondence to have account removed as stated when the payment in full was taken.This letter is in regard to XXXX XXXX XXXX Account referencing the debt that was paid in full and I to paid the full amount in exchange for the following through correspondence with your customer service representatives. Your agreement was to accept the payment as payment in full. This payment was not be noted as a paid collection or a settled account. Your agreement was to remove any and all records of this account from all credit bureau reports. Upon receipt of a signed agreement to these terms, The amount was paid and accepted by your company. According to the Fair Credit Collection Practices Act, I have a right to dispute this debt if deemed necessary. If you do not respond to this letter within 15 calendar days, you can expect me to reach out for further clarification of this issue.Thank you in advance for your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-03-22
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. (CA)

Experian has failed to investigate and respond to my dispute requests sent on XX/XX/XXXX and XX/XX/XXXX. In their response to my CFPB complaint received on XX/XX/XXXX from them, they further provide proof of their failure to respond to these disputes. This account was always paid on terms and they continue to report it with late payments.
Consumer complaint received 2021-03-22
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: EQUIFAX, INC. (IL)

On XX/XX/2021 I checked my credit report. Only to find lots of incorrect and fraudulent information on my credit report. I immediately called XXXX Equifax, and XXXX to have the inaccurate and fraudulent information removed. I was informed to put something in writing, along with a FTC report that needed to be submitted, my Drivers License, and one current piece of mail to validate my true identity along with address. I followed the direct orders give by each representative and nothing has changed on my report. I mailed another letter on XX/XX/2021 with another request to have the inaccurate items removed, along with their Method of Verification. I got my credit reports on XX/XX/2021 from XXXX, XX/XX/2021 from XXXX stating their fraud department flagged my documents as fraudulent. I am just disappointed and upset the system they are using to verify documents is out dated and is causing my credit integrity to be compromised. They have disregarded the consumer laws and have shown a lack of correct reporting.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (MN)

In XX/XX/XXXX, my Mortgage Company ( Dovenmuehle Mortgage, Inc / XXXX XXXXXXXX XXXX ) and I entered negotiations for a loan modification due to a family hardship that caused us to become late on our XX/XX/XXXX and XX/XX/XXXX payments. The terms of the agreement were finalized in XX/XX/XXXX and agreed to by both parties and the new terms would have a 3 Month trial period ( XXXX, XXXX and XXXX of XXXX ) we completed the terms as stated in the contract ( attached ). It clearly states on pages 11 and 12 that the agreement that my right to appeal ends on XX/XX/XXXX and we did not choose to appeal therefore per the details of page 12, we should not have any additional late payments beyond XXXX as we made the payments of the agreement early or on time for XXXX, XXXX and XXXX. The trial period was completed and the official modification took effect in XX/XX/XXXX and we made that payment and all future payments on time until we sold our house in XXXX of XXXX. I am submitting supporting documentation showing the payments made and clearing our bank account, the trial period agreement, and the terms and conditions of the modification and need the late payments reflected on my credit report for XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX be removed immediately from my credit report.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 XXXX XXXX DEPT OF ED XXXX
Consumer complaint received 2021-03-22
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: EQUIFAX, INC. (IL)

An account with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I showed up on my credit report for an account. I sent a letter via email to the company which the company received XXXXThe tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX I and the collection agency and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect this debt in my state. I have not heard anything from them this is my forth attempt.This account is still reporting on my credit reports.
Consumer complaint received 2023-01-18
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc. (AZ)

Received a letter in XXXX 2021 from Valentine and Kebartas stating they were asked to assist in collecting an alleged debt owed. I sent a cease and desist letter by certified mail to Valentine and Kebartas on XX/XX/21 and I received notification it was delivered to them on XX/XX/21. On XX/XX/21 I received another letter in the mail from Valentine and Kebartas dated XX/XX/21, 4 days after my cease and desist letter was received. This company clearly does not know what a cease and desist letter means.
Consumer complaint received 2021-03-22
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. (CA)

Hello, This complaint is regarding XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from XXXX that I am included in the settlement, XXXX continues to report harmful inaccuracies to my XXXX and Experian credit reports. XXXX still calls to collect on the debt that they report as charged off and late every month. 

XXXX took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

XXXX and Experian are both reporting completey different things for the XXXX XXXX account. It's harmful and defamatory to my credit profile. I have reached out to XXXX several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for XXXX do what they agreed which is to relive the loan and the XXXX XXXX account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in this matter.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello, This complaint is regarding XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from XXXX that I am included in the settlement, XXXX continues to report harmful inaccuracies to my Equifax and XXXX  credit reports. XXXX still calls to collect on the debt that they report as charged off and late every month. 

XXXX took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

Equifax and XXXX are both reporting completey different things for the XXXX XXXX account. It's harmful and defamatory to my credit profile. I have reached out to XXXX several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for XXXX do what they agreed which is to relive the loan and the XXXX XXXX account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in this matter.