davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (WA)

I had a $ XXXX CD with BBVA on line Bank. It matured XX/XX/XXXX and before that I mailed instructions to have the funds wired to my local bank. I also messaged the bank to this effect. Instructions were ignored and I was finally able to reach a rep, who said my only option was to get a paper check, sent by USPS and without a tracking number. They will take my money electronically but in XXXX they limit themselves to sending a paper check for over {$100000.00} and with no tracking number. It is now XXXX and the check still has not arrived. I called and was told the supervisors are not available and the " escalation team '' will call me in 3 business days ( that means by XX/XX/XXXX ), at which time they will probably put a Stop on the check and arrange an electronic transfer. Meantime the bank will be holding more than $ XXXX of my money with no interest paid. And I've had to spend at least 3 hours on the phone trying to fix this. The fact that they have made this simple kind of transaction into something so complicated and with deliberate delays built in is, IMO, an unfair business practice. Covid delays are not the issue here ; a badly designed system was in place before Covid.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CA)

The company is repeatedly calling 5-6 times a day and I have told them not to contact me. They have called my work for the second time to try to collect the debt and I have already told them to stop calling me at work and various times at my phone number.
Consumer complaint received 2020-09-28
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: EQUIFAX, INC. (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX or/and XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX the XXXX, and XXXX Capitol One Bank received 3 IRS tax refund payment to a closed account ending in XXXX. There was a negative balance of {$550.00} dollars. After the deduction the remaining balance was {$2600.00} dollars. I never received the remaining balance due to me. Called Capitol One Bank customer service was told to filed a affidavit for lost checks. I followed those steps by filing with the branch in XXXX Va. on XX/XX/2020. The affidavit was sent from the Capitol One Bank location by XXXX XXXX XXXX notary and agent at the Branch location. I have spoken with several representative from Capitol One Bank, and havnt received a positive resolution to the matter. I, ve sent copies of the affidavit to XXXX with the ATTN to XXXX. Never responded to the two emails that were sent. Hopefully Ill have a better outcome with the help of Consumer Financial.
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX or/and XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-06
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. (NY)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$440.00}
Consumer complaint received 2020-06-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Mortgage servicer NewRez mortgage LLC. allowed my homeowners insurance to lapse for non payment i have contacted them by phone to notify them to no avail my date of coverage voidance was XX/XX/2020 according to the notice i received today. they want me to do all of the leg work to rectify their mistake. my mortgage and escrow accounts are current and have sufficient funds to cover debt.
Consumer complaint received 2022-11-05
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. (GA)

I previously disputed some items on my credit file, that were unrecognizable/invalidated and Transunion claims that they verified the items, Transunion is the only credit reporting agency that continues to allow wrongfully items on my credit report, I have yet to receive any documentation proving that these accounts indeed belong to me, by the original creditors or Transunion, yet somehow they claim to have verfied the items. I have done my own research and have documentation.
Consumer complaint received 2020-09-28
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: Experian Information Solutions Inc. (MA)

GOOD EVENING! LISTEN, I'M NOT SURE WHAT'S GOING ON WITH CREDIT REPORTING AGENCIES, BUT IT'S ALMOST 90 DAYS AND THEY HAVEN'T RESPONDED ON EVEN LOOK INTO THIS ACCOUNT THAT I HAVE REQUESTED THEM TO. THEIR ARE SO MANY ERRORS ON THE WAY IT'S REPORTING AND IT'S INCOMPLETE AND UNVERIFIABLE AND IT'S CAUSING THIS ACCOUNT TO RE-AGED ILLEGALLY. CAN YOU PLEASE DELETE THIS FOR VIOLATION? THERE ARE 3 DIFFERENT DATES OF LAST ACTIVE, DIFFERENT DATES OF 1ST DELINQUENCIES, DIFFERENT DATES OF OPENED, AND DIFFERENT DATES OF LAST PAYMENT AND COMPLETELY INCONSISTENT WITH THE PAYMENT HISTORY. ONE REPORTS " C/O '' STATUS THE OTHER OTHERS EITHER REPORT 30 DAYS OR 60 DAYS OR 90 DAYS. IMPOSSIBLE THAT THIS BEING LOOKED AT. PLUS, IF IT WAS REALLY INVESTIGATED, THE ACCOUNT STATUS WOULD BEEN UPDATED.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX. This matter concerns student loans ( account number XXXX ) taken out for me by my father, XXXX XXXX ( deceased as of XX/XX/XXXX ). The lender is the U.S. Department of Education, and the servicer is XXXX. The loans are " Parent Plus '' loans, with a total amount ( principal and interest ) of {$34000.00}. This amount appears on credit reports issued by XXXX, Experian, and XXXX  for me, XXXX XXXX. The amount was supposed to have been removed due to my father 's status as XXXX  ( XXXX XXXX XXXX   XXXX ) ; this status was initiated in XXXX. The issue occurred because in XXXX, my father overlooked renewing his XXXX  status with XXXX, which caused the loan to revert to active status. 

Due to my father 's failure to renew his XXXX  status with XXXX, in XXXX of XXXX the loan amount of {$34000.00} appeared on my credit reports issued by XXXX, Experian, and XXXX, DESPITE my having submitted to XXXX on XX/XX/XXXX, my father 's death certificate ( see attached document ). Please assist me in removing the {$34000.00} loan amount from my XXXX, Experian, and XXXX  credit reports. 

Thank you. 

XXXX XXXX
Consumer complaint received 2020-09-28
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: EQUIFAX, INC. (MA)

GOOD EVENING! LISTEN, I'M NOT SURE WHAT'S GOING ON WITH CREDIT REPORTING AGENCIES, BUT IT'S ALMOST 90 DAYS AND THEY HAVEN'T RESPONDED ON EVEN LOOK INTO THIS ACCOUNT THAT I HAVE REQUESTED THEM TO. THEIR ARE SO MANY ERRORS ON THE WAY IT'S REPORTING AND IT'S INCOMPLETE AND UNVERIFIABLE AND IT'S CAUSING THIS ACCOUNT TO RE-AGED ILLEGALLY. CAN YOU PLEASE DELETE THIS FOR VIOLATION? THERE ARE 3 DIFFERENT DATES OF LAST ACTIVE, DIFFERENT DATES OF 1ST DELINQUENCIES, DIFFERENT DATES OF OPENED, AND DIFFERENT DATES OF LAST PAYMENT AND COMPLETELY INCONSISTENT WITH THE PAYMENT HISTORY. ONE REPORTS " C/O ''  STATUS THE OTHER OTHERS EITHER REPORT 30 DAYS OR 60 DAYS OR 90 DAYS. IMPOSSIBLE THAT THIS BEING LOOKED AT. PLUS, IF IT WAS REALLY INVESTIGATED, THE ACCOUNT STATUS WOULD BEEN UPDATED.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (KS)

A company named First Credit Services has called me daily and repeatedly during my work hours, often twice or three times a day from different numbers. I believe this is related to a resolved issue related to a gym membership at XXXX XXXX in XXXX, KS. I paid the outstanding charges to the company and have not heard from them since. 

I have attempted to contact First Credit Services using the number given in the voicemails, XXXX. I have also attempted to contact the company using the number on their website XXXX XXXX. Neither call was able to be completed. 

I have records of repeated calls for 5 days in a row occurring from XXXXXXXX XXXX  to XXXX. If I can't reach this company through their provided numbers then I have no idea how to dispute this debt.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Collection Bureau, Inc. (TX)

on XX/XX/2020 I contacted UCB and requested a deletion letter for paid collection. It was agreed that I would receive deletion letters for payment in full. The company now refuses to send me deletion letters and is stating they never agreed to a deletion letter. 
The Director of Operations claims to have listened to my recorded call. He refuses to acknowledge that I requested a deletion letter and that an agreement was made upon that request. He alleges that the employee only agreed to give me a " paid in full '' letter. This is not true as I would have refused such a letter. I specified what was needed and why. I requested a transcript of the recording and they are refusing to provide this. I feel that they are being deceptive. I feel that if one were to listen to the call, they would clearly hear that I was led to believe that upon payment of my accounts I would receive the deletion letters. I believe that the employee did not once mention that they do not provide deletion letters. I believe that the Director of Operations is  being dishonest about listening to that call and is refusing to acknowledge their promise to a paying customer. The company 's deceptive practices is not acceptable and I would like an investigation as well as a 3rd party to listen to the recorded call.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (DE)

I had an auto loan with Santander. The vehicle was subsequently totaled. My insurance covered some of the loss while the gap insurance I had covered the remaining balance and sent the remainder owed to Santander. Santander then argued without merit that they were owed more money. Santander has put a delinquent account on my credit reports and refuses to remove them even though they are incorrect.
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

GOOD EVENING! LISTEN, I'M NOT SURE WHAT'S GOING ON WITH CREDIT REPORTING AGENCIES, BUT IT'S ALMOST 90 DAYS AND THEY HAVEN'T RESPONDED ON EVEN LOOK INTO THIS ACCOUNT THAT I HAVE REQUESTED THEM TO. THEIR ARE SO MANY ERRORS ON THE WAY IT'S REPORTING AND IT'S INCOMPLETE AND UNVERIFIABLE AND IT'S CAUSING THIS ACCOUNT TO RE-AGED ILLEGALLY. CAN YOU PLEASE DELETE THIS FOR VIOLATION? THERE ARE 3 DIFFERENT DATES OF LAST ACTIVE, DIFFERENT DATES OF 1ST DELINQUENCIES, DIFFERENT DATES OF OPENED, AND DIFFERENT DATES OF LAST PAYMENT AND COMPLETELY INCONSISTENT WITH THE PAYMENT HISTORY. ONE REPORTS " C/O ''  STATUS THE OTHER OTHERS EITHER REPORT 30 DAYS OR 60 DAYS OR 90 DAYS. IMPOSSIBLE THAT THIS BEING LOOKED AT. PLUS, IF IT WAS REALLY INVESTIGATED, THE ACCOUNT STATUS WOULD BEEN UPDATED.
Consumer complaint received 2020-09-28
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. (CA)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-08-06
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX  XXXX {$16000.00} XXXX  XXXX XXXX  XXXX {$20000.00} XXXX   XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} XXXX  XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX XXXX {$12000.00} XXXX XXXX   XXXX {$1500.00}
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (OR)

I had special financing following accounts with HCS ( hcsloans.com ). XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX The promotion was expired on XX/XX/XXXX. Since I set up the automatic payment system with HCS, I did not get paper statements. I was having problems with logging into my accounts on website. I had called several times to fix the problem and could not wait for too long so the calls were unsuccessful. Finally, on XXXX, I patiently waited to speak to one of the representatives and found out my promotion was expired on XX/XX/XXXX, and accrued interest was charged to my both accounts. I asked to speak to HCS supervisor, she said since it is within 30 days, I could pay off the amounts of {$510.00} and {$570.00} for both accounts if I made the payments that same day. So, I paid off both accounts on the same day, and she assured me that HCS would close the account with balance XXXX. Three weeks later, I received the statements from Ally Lending over {$1000.00} for each account. Apparently, Ally Lending has bought HCS and transferred all HCS accounts to collect the debts. They said they don't honor within 30 days pay off plan and promotions were ended on XX/XX/XXXX. They stated that HCS transferred accounts on XX/XX/XXXX. Since my original agreement was with HCS, they had accepted the payoff amounts and closed my account, Ally Lending has no right to reopen and try to collect the unreasonable charges. I tried speaking to several supervisors and was not successful. They are demanding that I arrange the payment to pay the accrued charges.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They took my {$80.00} and expect for XXXX mothers to accept and move on with their lives, this is unfair. refund me my {$80.00}. I got denied and it is all a game on how we as XXXX get treated
Consumer complaint received 2020-08-06
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: FIRST NATIONAL BANK OF OMAHA (IN)

Goo day, In regards to my credit an error has been created due to XXXX XXXX  credit reporting or FNB bank of Omaha. 

On the XXXX of XX/XX/2020 my credit report was correct. On the XXXX of XXXX my credit report showed from FNB bank an account that my account was closed and a new account opened with no activity on it. 

That error dropped my score 115 points. 
Previously I paid off accounts and paying on accounts to establish my credit worthiness. 

The errors are now taken off my credit report but my score is still down 100 or more points. This issue is effecting me due to someone error. XXXX XXXX b lame FNB and FNB blamed XXXX  for this error. 

Attached are documents to reference my claim. Please can someone assist me in this issue.
Consumer complaint received 2020-09-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-08-06
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Consumer complaint received 2020-08-06
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. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX {$63.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$270.00}