davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-03
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. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX 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 an account without my written instructions.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have been attempting to deal with Macy 's with regards to a late payment being reported on my credit report. This reporting is for the month of XX/XX/2019 and is not 100 % accurate. Therefore, I have been asking cordially that they remove this from my credit report. 

Two disputes with the credit bureaus have been filed and a written correspondence has been sent to Macy 's - and 2 phone calls have been placed to Macy 's. That's 5 separate attempts to have them correct an unjust error. They have yet to respond to my correspondence nor provide a conclusive evidence that this late payment is justified. 

I have informed them as a victim of bank fraud my accounts were temporarily frozen until it got sorted out, this caused a delay in the Macy 's payment. They are unwilling to look at the facts or provide a written justification for this late payment. I have impeccable credit history and Macy 's is ruining my ability to obtain favorable credit terms, causing sleepless nights, aggravation, stress, and inability to secure mortgage funding. Credit reporting has to be 100 % accurate and representative of a consumers ability to pay, and the late payment reporting does not accurately sum up the entire story of what happened. It simply reads I missed a payment when in fact, the payment was made but was compromised due to bank fraud that was happening to my account. Macy 's never notified me that the payment was past due, even though they had 30 days to do so before damaging my credit score.
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We paid a check in the amount of {$25000.00}, to XXXX XXXX XXXX  on XX/XX/XXXX, for crediting into our mortgage holder account. The XXXX XXXX XXXX  goofed and credited in one of their own account. We kept looking in our monthly mortgage statement and never received credit for this amount until we refinanced our mortgage on XX/XX/XXXX. 
The loan was paid off and the mortgage company did not give us the credit. 

We complained at the XXXX XXXX XXXX last year and they kept stalling and stated a specialist is going to look on and resolve the issue. On XX/XX/XXXX XXXX XXXX found the payment and that was deposited into the mortgage holder account. But, as of this date, she has not furnished any proof so that we can claim our money.
Consumer complaint received 2022-05-14
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. (NC)

The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately, The cars were also auctioned off for sale by the finance company so the balance is also incorrect I have all factual documentation to backed this claim and if the bureaus do a complete and correct investigation instead of allowing these companies to tell them its correct and the investigation is complete, that is not accurate or acceptable I demand these car collections be removed from all three of my reports for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (VT)

I attempted to access my Pay Pal account to verify the last statement and to order a transfer to another person with funds from my XXXX account that is linked to PayPal. The XXXX account is now about XXXX XXXX XXXX still with the original account number. 

I signed in with user name and password and was presented with a page asking for my mobile number. There were no options available on this page and backing out or retrying always returned to this page.I AM IN AN AREA WITH NO CELL SERVICE. I have no mobile phone. 

I called Pay Pal several times, was rerouted to different agents, requested assistance from a supervisor then askrequested that I change my password. I did and it made no difference. The final result was offered was that I go and buy a mobile phone. Again I requested a manager and was told I would receive a call on XXXX XXXX. 

This is where it stands. No call was returned from Pay Pal.
Consumer complaint received 2022-12-18
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. (IL)

My report with Trans Union shows under the heading " SUPPLEMENTAL PUBLIC RECORDS AND RESIDENTIAL INFORMATION '' that some company " XXXX XXXX '' requested ( I don't know what ) on XX/XX/2018, " TOTAL TAX AMOUNT {$1800.00} '', and the last line of this section says, " FORECLOSURE : YES ''. I DO NOT KNOW THIS COMPANY " XXXX ''. I HAVE NEVER HEARD ABOUT IT. I HAVE NEVER BEEN THEIR CUSTOMER AND I HAVE NAEVER DEALTH WITH THIS COMPANY. 

I have informed Trans Union several times that the above information in INCORRECT, MISLEADING, AND HURTING MY CREDIT SCORE. But Trans Union has not deleted this false information from my credit report. Nor have Trans Union GIVEN me XXXX 's address. From internet, I have found several addresses of XXXX and I have asked it to DELETE this wrong information.
Consumer complaint received 2023-06-25
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 have called the credit bureau and MAILED them My identity theft report and identification and they STILL hav e or removed the fraudulent accounts and address from my credit report as well as inquiries. So now I am filing an official complaint against them as they keep telling me they dont have the documents which I had expressed mailed to them TWICE. So now I will put them through here as by FCRA laws they are to removed and block these items. 
I will attach all letters as well as list the accounts. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (FL)

This complaint is two-fold. The company, DIVERSIFIED CONSULTANTS has a collection account that is reported with XXXX, XXXX, and XXXX  with the amount of {$3100.00}. The company, DIVERSIFIED CONSULTANTS with the account number XXXX has " re-aged '' the debt to make it appear I opened an account with them in XX/XX/2018. The company is reporting my account as if it was opened with them on XX/XX/2018. The account is an old XXXX account. They are reporting incorrect information that is affecting my credit. In addition, I have not received any written correspondence from them in order to resolve the issue since XXXX. They have called me several times at my place of employment. I have notified them to not call me during work hours, as I am a XXXX XXXX XXXX who is legally obligated to provide XXXX XXXX services to the XXXX  I service. Each time they called, I informed them that I am at work. They have not sent any written correspondence at all to resolve the issue.
Consumer complaint received 2018-07-17
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXXXXXX XXXX is reporting a late payment on my credit reports. I have never paid late. When I ask XXXX XXXX to let me know what month I have paid them late, so I can investigate this, they have no record. 

I called in on XX/XX/XXXX and spoke with a representative who said, I had to provide this information to them. I told the Gentleman I had no history of paying my account late, please let me know what month you are stating I paid late. 

The Gentleman could not tell me the dates from what they were reporting. I don't know how to correct this issue when I have tried, however XXXX XXXX will not remove the payment history on XXXX XXXX XXXXXXXX XXXX account # XXXX that is reporting over 120 days past due. 

I have attached a copy of a notice from XXXX XXXX XXXXXXXX XXXX   and a copy of my current credit report, which shows how this account is reporting the Over 120 days past due, but does not list the dates of this late.
Consumer complaint received 2017-02-15
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Ceannate (FL)

They have been calling my work line after I disclosed I can not receive calls at work, they have been calling my sister several times and I did not give them her cell phone. They call me obsessively about 4 times a day. I had to block them from my phone.,
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Bank of America, closed my credit card account with no notice either prior to closing my account or after. I have called more than XXXX times to find out the reason for the closure. I have explained the closing of this account is affecting my overall credit score over negative seventy points, many of the representatives simply say " Not my problem, or the bank 's problem. I have requested call backs from a member of Leadership, never received a call from anyone. 

My most recent attempt in obtaining at least a reason for the closure is : Emailing XXXX but of course there have been responses to these emails either. 

I have never been late, nor have I had any over limit events on this account, I normally pay {$100.00} over the minimum and many times much more than that. 

Additionally, when I have called I am told either the department that closed my account is either closed or too busy to take my call. 

I am trying to build my credit, and this just kills my credit. 

This account was opened about 4 years ago, and they closed the account around XXXX or XX/XX/2021 without any reason.
Consumer complaint received 2020-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

ALERT ALERT ALERT XXXX XXXX XXXX BANK OF AMERICA OPENED A ACCOUNT XXXX IN MY NAME IN XXXX AND ISSUED A DEBIT CARD ON MY SOLE OWNED BANK OF AMERICA ACCOUNT. THAT WAS NOT OPENED UNTIL XXXX AS PER BOA REGULATORY XXXX!!!! 
XXXX AND BANK OF AMERICA regulatory XX/XX/XXXX letter response to the CFPB AS PER ATTACHED ... BANK OF AMERICA STATES in their review that as per their records my sole account of XXXX WAS OPENED XX/XX/XXXX. ... ... THEN BANK OF AMERICA LETTER dated XX/XX/XXXX that I never received and reported it to the CFPB and bank of America thru my feedback comments THAT I NEVER RECEIVED A BOA RESPONSE. I also reported interception of my us mail again in XXXX to the Federal Law enforcement of the USPS. My claims of fraud and identity theft has been confirmed by Bank Of Americas regulatory commissions letter dated XX/XX/XXXX. ATTACHED ... ..THAT IS WHY IT SHOULD BE RLEQUIRED THAT ALL CFPB COMPLAINTS RESPONSES BE SENT THRU THIS PORTAL CFPB AGENCY FOR RECORDS AND NOT Directly to the consumer ... I would have caught the stolen boa correspondence!!!! my ongoing complaints and reports of fraud and identity theft in person to boa since XXXX to XXXX manager at XXXX XXXX XXXX XXXX XXXX va bank of America. 
Bank of America 's letter dated XX/XX/XXXX review findings is attached. It clearly RECORDS AND documents my stated reports to the CFPB and other state and federal agencies ... THAT BANK OF AMERICA FAILED UNDER THE LAW TO PROTECT BOTH MY IDENTITY AND INFO AND MONIES..BANK OF AMERICA OPENED A ACCOUNT IN MY NAME TO UNAUTHORUZED ENTITY PERSON AND THEN UNLAWFULLY ISSUED A DEBIT CARD # XXXX ON my sole owned account of XXXX XXXX XXXX XXXX ON XX/XX/XXXX ... ... ALERT!!! ALERT CFPB!!!!! BANK OF AMERICA HAS OFFICIALLY STATED On bank of America 's regulatory commission review letter dated XX/XX/XXXX that I never received until XX/XX/XXXX -- -THAT A DEBIT CARD # XXXX XXXX WAS ISSUED ON MY SOLELY OWNED ACCOUNT XXXX on XX/XX/XXXX -- -- that bank of America stated WAS NOT OPENED UNTIL XX/XX/XXXX in their XX/XX/XXXX response to the cfpb complaint of mine.
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (OK)

We have not had XXXX since XX/XX/XXXX, they are saying we opened account with XXXX on XX/XX/XXXX for the amount of {$100.00}.
Consumer complaint received 2020-02-19
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: Solomon and Solomon, P.C. (ME)

Solomon & Solomon are attempting to collect a debt for {$160.00} in which I ve asked for documents that I still have not received. I ve asked for them to show me that they are licensed in my state to collect a debt. I ve also asked them to send me documentation that shows that I owe them for the debt they allege that I owe to them even though I have never done business with them. I ve asked for them to send me the assignment of the debt to prove that they are the ones to pay any debt they claim I owe. I want to see payment history on this account to prove that the amount they say I owe is correct. I have not received this to this day even though these are my rights according to the FDCPA. 
Also they have failed to provide me with a SIGNED CONTRACT with my signature on it!

I have sent numerous letters with requests that S & S refuses to acknowledge and respond appropriately to!

S & S has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.
Consumer complaint received 2018-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (NE)

Sent money to XXXX via Xoom by XXXX, before the receiver even knew about the transaction I was notified that the money was picked up by receiver. I contacted xoom about it, and they told me they were going to contact their partner. After a few hours the found out that the transfer was picked up by someone other than the receiver. After they found this out, they could not give me my money back, they are saying that they need to run an investigation. They already know the money was stolen
Consumer complaint received 2022-04-15
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. (FL)

This account is not mine but is reflecting on my credit report with TransUnion. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave TransUnion any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2020-02-15
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. (TX)

To whom it may concern, I have sent dispute letters to XXXX, XXXX   and Experian to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX. 

2. Round 2 was sent in XX/XX/XXXX. 

3. Round 3 was sent in XX/XX/XXXX. 

4. Round 4 was sent in XX/XX/XXXX. 

I have charge offs remaining on each credit report from XXXX, XXXX   and Experian for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

This is a follow up to the previous complaint # XXXX. 

The old complaint is listed below for reference*. The new information is the attached letter I obtained from my bank XXXX confirming that the checks indeed bounced. Apparently, the official bank statement ( showing the checks bounce ) was not enough and I had to go through the trouble of obtaining the bank letter as Shellpoint keeps stating that the checks were cashed by the bank. Nothing new, just another false statement by Shellpoint. 

In violation of certain federal and state laws, Shellpoint is holding on to my escrow payments for over 7 months, since XX/XX/XXXX. Please help me get my escrow back! 

Sincerely, XXXX XXXX -- -- -- -- ( * ) Text of the prior complaint # XXXX My name is XXXX XXXX XXXX I used to have a mortgage serviced by Shellpoint Mortgage Servicing ( " Shellpoint '' ), which got refinanced in the fall of XXXX. 

Shellpoint used to collect escrow on the old mortgage, and when the mortgage got refinanced, Shellpoint refunded the escrow back to me via two checks in the amount of {$68.00} ( check # XXXX, issued XX/XX/XXXX ) and {$5400.00} ( check # XXXX, issued XX/XX/XXXX ). I got the checks in XXXX and deposited them right away, in a timely manner, on XX/XX/XXXX. Unfortunately, the checks bounced. 

I have been in touch with Shellpoint ever since. Shellpoint gives a different story every time. Shellpoint asks for documents, promise to call back, to escalate, provide case numbers, escalated case numbers, etc, etc. Their last story is " the checks got cashed ''. I did not cash the checks. 

I need to get my money back. 

Please help me get my money back. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is my 3rd complaint regarding this Capital One Account and it is starting to affect my credit. I filed a complaint over this account ending in XXXX over 30 days. Received 1 phone call from the Corporate office from a Supervisor named XXXX on XX/XX/2019 who's number is XXXX and extension is XXXX. On that day XXXX left me a message to return her call to the number above. I returned her call at least 6 times and left 6 different messages regarding this issue. I also called another Supervisor from XXXX named XXXX who's number is XXXX and extension is XXXX because she had helped me with another account ending in XXXX ( and took care of that one for me ). After not having ANY luck receiving any phone calls back I called the number XXXX on XX/XX/XXXX, XXXX & XXXX and simply waited for a new rep to come on the line. At that time I was told that he could not help me and that he would send a message to a supervisor to call me within 72 hrs. It is not XX/XX/XXXX and I still have not heard back from anyone. The charges on the account are not my charges and I was reassured that they would be disputed by a supervisor however I continue to receive notifications on my credit report that my payments are late and the amounts are recording on my credit report. If I do not hear back from someone by XX/XX/XXXX I will be calling all news channels and filing a suit with my attorney. Capital One has been unprofessional and even threatening during this entire process.
Consumer complaint received 2017-10-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I was making payments larger the amount due shown on my account. I did so believing that the amount over the minimum due would go to principle. However, I recently learned that XXXX XXXX was using the excess payment to reduce the minimum payment for the following month. This practice not only reduces the amount of money that is being paid toward the principle, but it increases the interest so that I now owe more than I borrowed!