davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC (FL)

A company identifying themselves as XXXX XXXX XXXX XXXX called my cell phone XXXX at XXXX XXXX XXXX XXXX. The automated dialer asked if I was XXXX XXXX to press one and I think it said disregard call if not, this is an illegal non-compliant TCPA call that was made to my cell phone. I pressed one to tell them its a wrong number. 

The male agent was immediately defensive about me asking for the company name as if he didn't want to give it, he stated he didn't call me that the automated dialer did, I advised that was a problem, he was speaking over me and very unprofessional, he refused to give me an address to send correspondence to and hung up on me. I called back and the same thing happen again with a male agent I think the same one, again refused to give me an address for correspondence, I was online and asked if he was associated with the MN location and he said no XXXX, GA and was extremely unprofessional, said he didn't have anyone in their Compliance or Legal department and hung up on me again. 

They acted so deceptive and unprofessional that I felt an obligation to report them. I was going to mail them correspondence to not contact me anymore just in case verbal wasn't enough but instead ended up wasting time while I'm working to get an address from someone who called my cell phone for the wrong person. This company is clearly not living up to what they say on their website and I quote " We practice our PhD, or " Preserving Human Dignity, '' philosophy when talking to clients ... we will collect money while maintaining mutual respect. '' On the third call I reached a Mrs. XXXX who accidentally hung up on me, I called right back and she answered and gave me all of the requested address information. XXXX XXXX XXXX XXXX XXXX, MN XXXX.
Consumer complaint received 2019-12-23
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. (CO)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  is also reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to file a complaint against Equifax Credit Bureau. I have been in dispute with them regarding an open mortgage account with XXXX XXXX that should be closed. I have had over 20 phone conversations with representatives, tier 1 supervisors and tier 2 supervisors. I have even been on hold for an hour and 4 minutes with no response. I had  to call from another line while on hold to explain my frustration. I have been on the phone with Equifax almost every-day since XX/XX/2019. I am furious because this account was reported to all bureaus on XX/XX/2019. XXXX and XXXX   updated the accounts on XXXX XXXX and XX/XX/2019. How can these bureaus report the account correctly and Equifax still have it open. 
I was also told to reach out to XXXX so that they could send information over to them. I did reach out to XXXX. XXXX sent me a letter documenting that the account had been paid in full and that credit bureaus had been notified of this change in XX/XX/2019.  XXXX sent me the letter and I faxed the letter over to Equifax. 
I have been told to fax information over so that they could correct this account. I was told that if I faxed over my documents they would correct this immediately. I spent {$29.00} to fax them information to the fax numbers they told me to fax the information to and I was later told they should not have told me that information.The fax numbers that I was given are XXXX and XXXX. 
I have enclosed the letter that XXXX finance sent me and have also enclosed the official copy of the deed from the XXXX County Courthouse. This deed was transferred over to XXXX XXXX, the company who the home was sold to. 
I am simply asking that the account be closed. This has continued to negatively affect my credit. I found out about the discrepancy while in the process of trying to close on another home. Because Equifax has refused to close the account, I lost money on a home that was under contract and was unable to complete the purchase of the home due to Equifax reporting the account as open. I am furious because my credit continues to suffer and I lost the potential of owning another home. I am asking, no begging for some kind of assistance with this issue. I should not be in a situation where an account is paid in full and the credit bureau is refusing to correct the account. Please help me with this issue.
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC (NV)

The name of the company is Northstar Location Services LLC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX This person and other agents have called every Monday and Wednesday for 3 months straight. This person and the company has called my husband harassed him. 
On XX/XX/2020 @ XXXX XXXX  CST XX/XX/2020 @ XXXX XXXX  CST She called my corporate office for my employer in another state. 
Stating to them they must tell me to call them. They stated they have a file with information give to my attorney on a personal sensitive matter. They said they would come to the facility to execute the notice. They call my house and my cell phone on Mondays and Wednesdays 4 times each of those days. I do not have a notice from them, nor are they on any of the 3 credit reports as a debt. I am not sure who they are.
Consumer complaint received 2020-06-10
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. (PA)

transunion file number XXXX date XX/XX/XXXX shows XXXX on page 10 of 11 XXXX XXXX XXXX 0n XX/XX/XXXX i have ever applied or requested no car loan or no home equity loan or Mortgage. XXXX XXXX need to show documents or where these suppose to be loans was inquired or requested by me with documents or my signature for a loan. I have also filed with the US Attorney as well as DOJ on this company with no documents on there half to show proof of me requsting anything or services from XXXX XXXX XXXX.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mercedes Benz Financial Services (FL)

I have a hard enquiry on my credit report as Below : Institution Information : Mb Fin Svcs XXXX XXXX, MI XXXX ( XXXX ) XXXX I tried to call the above number, called Mercedes Financial Services and also called the Corporate. They took all my information but have lost my application. I am no more interested in the application, but i see a hard inquiry on my credit score which was irrelevant. I called multiple times to the Dealership, XXXX, XXXX XXXX but everyone kept transferring me to other lines. Mercedes services has caused me a lot of pain in this process. They lost my details, Information and on top gave a remark on my credit.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Property settlement agreement due to divorce states that I am to receive the home and to refinance mortgage in my name alone. I refinanced with another bank and came to closing with entire escrow amount and original lender was to send me the escrow refund and this was to take 4 weeks. In 4 weeks on XX/XX/XXXX I called WF to check on status of check. was told by WF representative that my escrow overage check was mailed to ex-husband. Told rep that check was send to wrong place and must be Stopped and reissued bc Ex- husband will commit fraud and cash the check that does not belong to him. Rep confirmed that check will be stopped and re-issued on the call. 
XX/XX/XXXX I Called WF for status since never received check and was told that check was never stopped and never re-issued and ex-husband already deposited the check to his personal WF checking bank account without my knowledge or permission. I opened fraud investigation. Check was payable to both our names was in the amount of {$13000.00}. 
An investigation was opened and WF determined that they are not a fault and this is a civil matter. 
WF made 3 mistake that could have prevented him from stealing the money 1. they mailed the check to the wrong address and name. should have been only to me 2. they lied on the XX/XX/XXXX call and stated they STOPPED and RE-ISSUED the check 3. Allowed ex-husband to deposit the check ( payable to both our names ) to his personal checking account with only his endorsement. 

If on XX/XX/XXXX the rep told me that he is unable to stop the check- I would have immediately reached out to my divorce attorney who would have taken appropriate measures to ensure that this check is safe and returned back to me I've spend hours and hours on the phone with WF- they kept me on hold for 2 hours at one time then hung up on me and are very unprofessional
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I submitted a dispute claim with Bank Of america regarding fraudulent charges in the total amount of {$8600.00}. Literally 1 day after submitting my claim they sent out a letter stating they completed their review, denied my claim, and closed my claim. On XX/XX/XXXX I asked them to reopen my claim aftet recieving notices from Bank Of America stating that they were no longer using an automated filter to investigate or close claims of unauthorized transactions on the basis of concern that the account or the claim have been the subject of fraud or suspiscious activity. They also said the following your unauthorized transaction claim was previously closed because of concerns that the account or the claim have been the subject of fraud or suspicious activity and we have already reopened and begun to investigate your re-opened claim, we will complete our investigation and resolve the claim by XX/XX/XXXX ; and if we have not completed our investigation by XX/XX/XXXX, we will provisionally credit your account on or before XX/XX/XXXX for the amount alleged to be in error. 

It is now XXXX XXXX and my claim still has not been investigated or resolved. I contacted Bank Of america several times and was not given any information as to why my claim was not resolved yet and why I had not recieved provisional credit either. I recently contacted them again on XX/XX/XXXX and filed a complaint with them about my dispute claim. I was told I would recieve a call or letter or more information within the next few days and still I have not heard back from Bank Of America.
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (NY)

I received a bill for an end of lease disposition fee in the amount of {$420.00} from GM Financial leasing. I received it on XX/XX/XXXX, due on XX/XX/XXXX. Not much leeway time there. I called this week to see if I can get a waiver or partial waiver of this fee for the following reasons. 1 - I am still an existing GM customer as I have another leased vehicle, 2 - Due to COVID and the fact that I have XXXX XXXX XXXX my work situation has changed and my income has been reduced. and 3 - The vehicle was returned in mint condition and significantly under mileage. While the individual I spoke to was very cordial there was no consideration given to my request. I then attempted to file a complaint on the company 's website and when I went to submit ( tried 3 times today ) it said you can not submit this complaint and gave me another phone number to call. I am extremely disappointed that my request is not even being considered and that the communication is so poor.
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I already tried resolving this debt and this is the third affidavit I'm sending to PRA and I also made it CERTIFIED MAIL WITH SIGNATURE this time around. PRA already responded to the other accounts and i am not sure why account # XXXX with a balance of {$720.00} wasn't included as part of the resolution. I am enclosing another copy of a new signed affidavit, police report, identify theft report and the latest letter from PRA.
Consumer complaint received 2020-06-10
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. (GA)

ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF XXXX XXXX 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was sent a XXXX transfer from an individual on XX/XX/XXXX, the sender was debited, and the bank sent me an email confirming that this amount was sent to me, but it was never credited to my Capital One account. Since then, I have called almost daily with no promised solution to the problem. From my banking application, it displays as " received '', but I was not credited. Being a student has caused me a lot of emotional trauma as I've had to go borrowing, and there is no empathy from the bank and no resolution timeline or possibility.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CO)

Before COVID-19 hit CO too hard, my husband and I called our mortgage lender ( US Bank ) to find out if they had any programs in case we ended up needing one. We just wanted to know what our options were and said we would call back if we wanted to pursue one. A few days later we received a letter from US Bank ( dated XX/XX/2020 ) informing us our mortgage had been placed on a forbearance until XXXX and they would be reporting to the Credit Bureaus. We did not consent to this forbearance and did not want it. We immediately called US Bank and asked to be removed. They required that we write them a letter and send it to them ( via email ), which we did ( sent XX/XX/2020 ). They received and processed the letter, yet failed to remove us from the forbearance. We continued to pay our mortgage on time as originally agreed, and had to do so manually as they disabled our auto-pay due to the forbearance status. Thereafter, my credit score dropped 100 points due to a remark on my credit report from US Bank because of this forbearance. After a great deal of hassle, US Bank claims they have removed us from the forbearance and submitted credit corrections. XXXX updated my score ( increased 102 points overnight ), but XXXX did not. ( I do not have quick access to XXXX score ). I have checked again today, XX/XX/XXXX, and my credit score on  XXXX has once again dropped 102 points due to a US Bank Mortgage remark. My husband 's credit has been negatively affected as well. As a result of my credit plummeting due to their carelessness, we have been unable to even consider a refinance ( currently very low rates and wanting to get away from US Bank ),  purchase a new vehicle, or seek any new credit. I am waiting for a comprehensive list of documents and call records from US Bank, which I highly doubt I will receive without your help, or without a subpoena if it comes to that. My husband and I pay very close attention to our accounts and to our credit so we were able to catch this early ( still been going on for months ), but I fear for how many people this has happened to who haven't been paying as close attention and what damage this could do to someone's credit, especially with autopay being disabled and the bank making decisions on behalf of people without their knowledge or consent. Even more upsetting, this is happening at a time when we are all financially vulnerable due to COVID-19. We have no recourse but to hope the bank follows the rules ( which they have already failed to do ), and to seek help from our AG ( complaint filed ) and CFPB.
Consumer complaint received 2020-06-10
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. (GA)

ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF MEDICAL SERVICES 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-01-03
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. (TN)

I am having an issue with Equifax where it has merged my account with someone else in error. All of their bad debt is showing up on my account. There are about 8 items that are not mine. I was even contacted by the Sherriffs office on behalf of the person I was merged with because they thought I was an identity thief. I have disputed these items on a monthly basis with Equifax, stating each time these accounts are not mine and please separate the accounts. I am currently trying to buy a house and the debt from the other party is making it impossible to get a loan. I am to the point where legal action must be taken to advance. I have already done more than I should have had to with this issue. It's been more than a year with no resolution.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (CA)

I had recently opened an account with Discover bank on XX/XX/2022. I had it for work purposes and other expenses. I get deposits of the same amount of {$240.00} of each shift I work on a daily schedule. All of a sudden I get a message that my account is going to be closed and that I have to wait 60 days to receive a check and it makes no sense to me whatsoever because I would hardly spend and I would work a lot for it to suddenly be closed. And my account was closed even before I wouldve received my card through the mail.
Consumer complaint received 2020-06-10
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)

BY NATURE OF PREVIOUS CFPB REPORT XXXX, XXXX XXXX Fl AND OTHER VENDORS INQUIRED ON MY CREDIT WITHOUT AUTHORIZATION. YOU HAVE COMPLAINTS TO THIS EFFECT. YOU SENT MY COMPLAINT TO THE FTC. By nature of their own admission and statement not even with a lockout can this Credit Reporting agency stop these inquiries yet they continue to lower my score! I consider this intentional fraud since they inhibit my ability to secure funding due to lower credit scores. Also their third party they feed information to are also even more incorrect then they! PS I never use XXXX XXXX as a XXXX Creditor! Attempts to remove from on line and dispute incapable! They do not allow.
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (IN)

A company by the name of Fortiva calls my place of employment, everyday, several times a day. My supervisor became VERY upset with me b/c I was receiving the calls at work. She told them herself to please stop calling b/c it was disruptive to the school 's daily routine. She even called them back on a day I wasn't working to tell them to stop calling the school ( the school is the XXXX XXXX College and the XXXX XXXX XXXX ). I have been suspended from my job and was asked to please correct the problem before returning as well. I was informed that they called again after being told not to, just now, XX/XX/10 at XXXX XXXX. My supervisor just informed me of the call and the time. She asked them to please note AGAIN that they were not to call the number but I am not sure what else to do at this point.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ; Capital One Cc : \ CFPB Since XX/XX/XXXX of the XXXX, I made a payment for the amount of {$25.00} based on a sales pitch sent by one of capital ones representatives that day I was going to pay an amount of {$150.00} but I they stated to do the letter. I then went ahead and made the {$25.00} payment later to come to find out if they have put my go to collections. I disputable multiple agents in one of the quarter that I was never in a structured payment plan with capital one which is false then later I received a letter theyre closed one of my accounts due to personal business decision they had made. Later the dispute was found that I was at fault for something I tried to pay in the beginning and that it was my fault for listening to the agent advice.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (GA)

UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.