davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (NV)

I fulfilled all terms for a {$250.00} new account bonus. The offer states the bonus will be credited by XX/XX/2021. The bonus has not been credited. I made a demand in writing and by phone to the bank. They have so far refused to honor the offer and have so far stated they refuse to confirm or deny whether I qualify.
Consumer complaint received 2019-12-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-01-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX Account # XXXX ... Amount {$1900.00} and another for {$100.00} for an authorized/unknown medical bill.
Consumer complaint received 2022-11-11
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$82.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XX/XX/19 On XX/XX/19, I wrote a check to Capital One for {$300.00}. Capital One took {$3000.00} unauthorized. I discovered the problem on XX/XX/19 and called the company, as well as alerted my bank. Capital One takes the money electronically, so the bank did not have a copy of the check. A Capital One representative told me that they could see the check written for {$300.00} on their computer. I applied for the check in written to XXXX XXXX XXXX on XX/XX/19, copy provided in this complaint. Shortly after that the {$3000.00} appeared on my XXXX statement. This placement of the money was also unauthorized. If I withdraw the money from the account, I will have to pay fees on my own money. In short, I feel this is a scam to get more interest fees. 
Usually, money is returned to the checking account, from what I was told. To date, no check or money has been returned to me. I have asked for the money to be returned on numerous occasions. Also, I was told each time I called that it would take another 10 days, they are so back lodged. On XX/XX/19, told it would be another 4 weeks. I can not seem to get anyone to help me get my money {$2700.00} back ( minus the intended {$300.00} ). 
I have included a time and person document in added files section.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I viewed my credit report and saw an old bankruptcy that should not be reporting. XXXX XXXX bankruptcy discharged. Filed on XX/XX/2015. Reference number : XXXX. Court : U.S. Bankruptcy Court. My XXXX Report is frozen and can not be accessed. So XXXX, Transunion and XXXX claims this was verified by the US Courts ; however, the courts states they have not verified or validated any bankruptcy and if I am being told this occurred, it is a violation of the law. The bankruptcy was dismissed and discharged and there should be no incorrect information. If there are any inconsistent information such as accounts still showing open or a balance due, the bankruptcy has to be removed due to reporting inaccurate information.
Consumer complaint received 2022-01-02
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: EQUIFAX, INC. (PA)

I am a victim of identity thief I have been trying to correct my credit reports due to multiple fraudulent hard inquiries, and unemployment in different states I still have hard inquiries on my reports that are not from my consent or knowledge
Consumer complaint received 2019-12-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX Account # XXXX ... Amount {$1900.00} and another for {$100.00} for an authorized/unknown medical bill.
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several Bank of America accounts opened up in my name. I immediately notified the Bank of America fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Bank of America continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.
Consumer complaint received 2019-12-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NC)

Please refer to CFPB Complaint # XXXX ( I have enclosed a copy in the attachments ) filed XX/XX/XXXX. 

On XX/XX/XXXX, Fedloan Servicing, stated that a " thorough investigation '' into the ( 6 ) student loan accounts were preformed by the OCA for PHEAA, concluded that the ( 6 ) student loan accounts were reporting accurately. 

On XX/XX/XXXX, I mailed a certified letter to Fedloan requesting validation of the debt. Fedloan Servicing mailed a letter on XX/XX/XXXX, in response. The letter received contained only ( 1 ) Master Promissory Note " dated '' for XX/XX/XXXX, along with a list of the ( 6 ) student loans. However, none of the listed student loan accounts reflect XX/XX/XXXX as a disbursment date, which means this is factual proof of ( 6 ) six unverifiable student loan accounts. 

In addition, the listed " Current Principal Balances '' on the student loans DOES NOT MATCH any of the information being reported to XXXX, XXXX  or XXXX. 
( Enclosed in the attachments are the credit reports from XXXX, XXXX, and XXXX, reflecting inconsistent, contradictory and unverifiable account information. ) I demand the immediate deletion of all ( 6 ) student loan accounts, as it pertains to federal and North Carolina state laws.
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CA)

I got a call from a company claiming to be from a private debt collector on behalf of the military. I had XXXX in XX/XX/2010 while still married to my then husband and the military covered the XXXX expenses. 

This company claimed they are called CBE Group, ( and that's how they showed up on the caller id on my phone. They called from this number : XXXX. They said the XXXX expenses were not covered and they need to collect just under XXXX. They had my previous address and my current address, and both were correct. There is no way this debt is owed because I was on my husbands insurance and the costs were all covered.
Consumer complaint received 2019-12-16
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: GREAT LAKES (NY)

Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXX with 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX-XX/XX/XXXX were sent to Great Lakes borrowers. Great Lakes has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both Great Lakes and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an XXXX XXXX XXXX to be a XXXX. What lender would give a young adult XXXX to go to XXXX   college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stern Recovery Services, Inc. (NC)

per the hippa law to demand this collection to be deleted from form credit report. I do not nor have not done business with stern recovery services and under the hippa law they don't have the right to uptain any of my private medical info from anyone on my behalf.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was the victim of social security identity theft. I attempted to place a fraud alert and freeze my credit with the credit reporting agencies ( XXXX, TransUnion & XXXX  ). Because I do not have any debts, credit cards or loans they told me I don't exist in their system and they can't place a fraud alert or freeze my credit on my account. However they were able to send me a credit report. If they can send me a credit report they should be able to protect me with a fraud alert ( and/or freezing my credit ).
Consumer complaint received 2019-12-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (FL)

VW credit is sending me fabricated bills about a lease that has already ended, in XX/XX/2019, WITH A BALANCE OF XXXX. This lease was CORRECTLY TERMINATED, VEHICLE WAS RETURNED TO THE DEALER IN PERFECT CONDITION WITH NO DAMAGE WHATSOEVER. Dealer documents show an ending balance of XXXX. Recently, I started receiving " Turn-In Settlement Invoice '' bills from VW Credit about this terminated lease which are NOT EVEN DATED and simply state " payment due upon receipt '', and provide NO EXPLANATION WHATSOEVER about what they are for. Two such bills were received. I informed VW Credit by fax to the corporate office twice, once for each bill received, that these are not correct and will not be paid - but they have not answered my communications and continue to send the same bill over and over again.
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

This is a complaint about Quicken Loans. The Loan company collected all the information from my application, performed a credit pull to check my credit score. I was applying to get a mortgage loan from them for a property I want to purchase for {$820000.00}. They knew I had a competing offer from XXXX  XXXX XXXX and mentioned that they could offer a more lucrative deal to me. Upon completion of all my details, they called me up and offered a slightly better deal than XXXX  XXXX XXXX. But when I asked them to send me the details they had mentioned on the phone, the agent refused. I then told them that they had pulled my credit report and are obliged to respond to my request. They initially refused to send me any offer. Then their manager called and sent me an irrelevant offer where I had to pay {$20000.00} for credits that we had never discussed before. By trying to keep the offer details to themselves, they tried to prevent me from shopping around and also comparing their offer to the one from XXXX  XXXX XXXX and engaged in shady business practices
Consumer complaint received 2019-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (NY)

I have received a settlement check from Conduent Education for XXXX $ because of faulty loan practices. This came to my old address and my mother in law did not give me this until maybe XX/XX/XXXX. They used the wrong last name as XXXX XXXX on the check as I never changed my name when I had gotten married, my last name has always been XXXX. I have asked for a replacement check and gave them a copy of my drivers license. I have been told various dates which have come and gone and still have no check. At first the said XX/XX/XXXX but on XX/XX/XXXX I had gotten this email. 
Good morning XXXX, XXXX The replacement check was scheduled to be mailed by Friday last week at the latest. Please allow 3 5 business days to receive the check. 

Sincerely, XXXX XXXX Account Executive Conduent Education CONDUENT XXXX, NY XXXX I havent received any other information since after multiple emails. Since Conduent Education no longer does student loans none of the phone numbers work. I am concerned because the last date the first check gave as an expiration was XX/XX/XXXX so I am wondering if the new check will be the same and if I will get it on time. Thank you XXXX XXXX
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NBT BANCORP INC. (TX)

NBT BANK have been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; I have sent letters of me disputing this alleged debt and I have also sent them an affidavit of truth, debt validation, cease and desist.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates (MD)

I received a phone call from a woman claiming she had documents to serve to me. She wouldn't give her name, the company she was calling from, what the papers were in regards to. She had an account number and a phone number, which I called. Upon speaking with XXXX, it took prying to discover that this was Lewis, McDonnell and Associates. It didn't take much for him to imply that this was a law firm. They claimed to be serving court documents and that I would be taken to court. After some time I spoke with him and eventually got a settlement offer. I paid about 1/4 of the settlement and agreed to pay them by the end of the month. After digging, though, I found that their address leads to a XXXX store somewhere in California. Their website is misleading, as it's essentially a template. While I do acknowledge this debt was something I owed at a horrible time in my life, I do believe I was purposely misled by this company with their use of scare tactics and misinformation. This complaint was filed almost a month ago, but here are some updates. Upon digging, this company barely seems to exist. Their website is, as mentioned,
basically a poorly edited template designed to give them just the slightest online presence. Other than that, their P.O. box leads to a XXXX store and they claim they're not required to give you an address. They throw around words like " legal administration, legal documents, paralegal, etc. '' Just how legal their documents are and just how licensed the " paralegal '' I spoke with is remains dubious at best.

But, as their reply noted, " at no point ... did our representative say our institution was a law firm. '' But they make it sound like it is, at the very least, a legal department. Which is misleading.

On top of this, this company is not licensed with nmls consumer access. At least not under any of the names they gave. Again ... misleading. It's illegal to try to collect debts in Maryland without a license.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.