davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I get XXXX calls per day from Bank of America 's " Loan Counciling '', which I DO NOT WANT! 
If thats not bad enough, they have also been on my property/s ( which is a big NONO in my book ) hanging paperwork on front door stating same thing ( about calling loan counsling ). They do not have my or my wifes permission to be on ANY of our properties. They also tried to charge us a fee for sending someone " out to my properties '' to hang that piece of paper on front door. Which I will not pay. 
When we answer the phone calls from the loan counsler #, so we can tell them to quit calling! You only get a recording stating - to call the loan counsler! 
We occasionally run late on our loan payments, but never more than 30days, as I get paid XXXX. We have always made our payments and always will, even thru worst of times of us/ America struggling, we have made our payments INCLUDING countless late payment fees. We even get these same calls after Bank Of America has cashed our home loan checks!
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I was renting a home in XXXX GA through a company named XXXX homes. Covid 19 had just started and the company sent out emails and posted on the resident portal that if anyone has been affected by Covid-19 and needed to get out of their lease, pay their lease late without late fees, or needed extensions ; that they were willing to work with anyone. I spoke with my home manager and she agreed that I could break my lease with no fees or balance due. The company kept my deposit and the home was rented out in less than a month later. They have since put the collection on my credit even with the agreement. I've disputed it and submitted all corresponding emails. They refuse to remove the collection.
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CBE GROUP ( Original Creditor : XXXX  XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-07-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FC HoldCo LLC (AZ)

I received a call Tuesday XX/XX/XXXX at XXXX MST from a gentleman attempting to reach me at a prior address. XX/XX/XXXX at XXXX MST : I received a call from the same gentleman who stated he is calling from XXXX County to serve me at the prior address for litigation to process. He intends to serve me documents and cant disclose why or where there are from. He said to call XXXX to review the details. I was given a Case # XXXX. I contacted the XXXX and spoke to a XXXX XXXX at extension XXXX who was a " Manager in Legal. '' XXXX stated that I am being sued for a prior account that I had in XXXX and that if I don't pay it I will be garnished 25 % of my wages. I was also offered a lump sum payment of {$1300.00} or pay half now and pay the second half in 30 days. Any payments would need to be mailed via certified funds. XXXX XXXX stated they are located in California however he would not provide an address. This individual has all information listed under the credit report listing for this prior account, which should never have happened. My mother has also reported to me that the original gentleman blocked his number and called her asking for me. I contacted the original creditor and they stated that they have had a few other customers call in reporting that they are also receiving complaints for such calls. The original creditor confirmed they still have my account in house and that these calls are fraudulent. This means they also have my families contact information. I feel that this has put me and my family at risk and in danger.
Consumer complaint received 2022-01-25
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: LEXISNEXIS (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NY)

This account was paid in full I also received a letter from company it self stated its XXXX  out on there end. My credit report still saying a balance of {$200.00} this is the third time Im disputing it thru XXXX  I even send prove over from the company it self .. keep getting false information
Consumer complaint received 2022-08-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have noticed that BANK OF AMERICA have placed an inquiry on my XXXX credit file dated XX/XX/2021 and XX/XX/2021. On multiple occasions I request BANK OF AMERICA and XXXX to verify these inquiries. They have yet to do so.
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (SC)

Carmax does not accept XXXX XXXX payments no information regarding this on their website charging me reversal fees late fees and also putting this on my credit report. I have recorded the phone calls having been a debt collector myself all of the violations and hanging up on me totally unacceptable behavior this is a non issue as far as payment goes they simply told me and willfully lied and said my bank rejected it when it was never presented it for payment when the funds are there. this is not my issue as I am the consumer and the simple fact they have never disclosed this to anyone and they treat their customers terribly. Another words treating me like a deadbeat audio recordings are available if needed.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OH)

I just found this company reported on my credit report. I also did n't receive any right to dispute, any validation or verification of debt from this company or any of the previous companies. Tried to find out about this debt from the original company, since finding it on my credit report a few days ago, who could give me no information on this debt except to inform me that it was owned by a different company last they were aware of it. This debt has been sold over and over and had been previously removed from my report due to not being validated as being mine ( I have had my ss # personal info used before by someone other than me, so any debt needs to be shown to actually be mine ) previously by a different company. Now it has shown up again be a company who bought it, I assume, who has had no contact with me.
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

I received at my physical address some advertising mailers from some attorneys who represent consumers who have a lawsuit filed against them by a creditor. The case number was on the mailer and I contacted the XXXX XXXX Court and they told me all they had was the summons, complaint filed by the entities attorney, etc, but no documentation. I have no idea who this Jefferson Capital Systems , LLC is and when I looked them up online, I learned they are some kind of debt collector. I tried contacting the number on the website and all I get is an IVR prompting me to enter an account number. As I have no idea who these people are and can't seem to get into contact with them, I ask that the lawsuit would be dropped. I am not claiming a debt I don't know of.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: GUARANTEED RATE INC. (IL)

This company GUARANTEED RATE has continued to harass me. Calling me over and over after I have advised them to stop. GUARANTEED RATE have continued to harass me by sending mail to my Post office box. Now GUARANTEED RATE is sending mail to my Home address that I have never provided to them. Nor have I ever had any prior correspondence with GUARANTEED RATE with my home address. This is my 5th complaint to the Consumer Financial Protection Bureau regarding harassment within one year with GUARANTEED RATE.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Experian has so many inquiries which is against the equal fair credit reporting act witch is a fraudulent reporting consumer transactions against consumer law so my credit was stolen color of law has took place 242 USC subsections 1983 my credit I extended I got back nothing...
Consumer complaint received 2022-01-25
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. (NY)

XXXX is reporting over 40 closed and paid accounts as open will keeps my fico score from increasing from in reaching its full capacity and score for financial stability. The accounts are continuously being reported as derogatory. The creditors have stated that the closed paid accounts are authorized to be deleted. The practice of reselling and reporting my closed and paid accounts must be stopped. This practice hinders me from getting a positive credit score and as a woman of XXXX these practice do not help me get future credit and gives a creditor a negative outlook for any credit that I may apply for in the future.
Consumer complaint received 2021-07-23
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. (NY)

This account was paid in full I also received a letter from company it self stated its XXXX  out on there end. My credit report still saying a balance of {$200.00} this is the third time Im disputing it thru Experian I even send prove over from the company it self .. keep getting false information
Consumer complaint received 2022-08-26
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. (IL)

I have disputed inaccurate accounts reporting on my consumer report and XXXX has not fully complied with providing me with their METHOD OF VERIFICATION for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked XXXX to provide me with information proving that the following accounts do belong to me and if they could not provide me with the following information to remove the inaccurate accounts reporting. Other Credit Reporting Agencies have removed the following accounts from my consumer report and I have requested that XXXX do that same as of today. 

Updating the account is not what I am requesting as it is XXXX grave responsibility to make sure all information is reporting accurately!!
Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Commonwealth Financial Systems, Inc. (NJ)

I have a lot of Medical bills on all XXXX of my credit report that do n't belong and i have been trying since last year to have them remove plus other fraudulent stuff that has been removed and put back on my credit i do n't know what else to do so i am going to download all the information i have!
Consumer complaint received 2017-02-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (TX)

I received an alert from XXXX that an change was made to my credit report. I then determine the change was the reporting of a {$1400.00} medical collection debt from Common Wealth Financial Systems. I have received no prior correspondence from Common Wealth prior to negatively impacting my credit. I then contacted them via phone and was informed that it was for a 2012 XXXX bill for my daughter. I informed that Collections agent that I was not aware of any charges due from 2012. How is it legal for the Collections agency to impact my credit without me receiving a notice of right to dispute?
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX  CARD. I did again reach out to them and if they don't stop this activity I am going to my local XXXX  State Police Troop XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.
Consumer complaint received 2022-02-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2022 I said agent to XXXX XXXX, filed a complaint for the reason being that a cease and desist was sent on 3 different occasions, and WELLS FARGO AUTO disregarded the notice. They threathened me verbally, and in written communication form title 15 usc 1692 c ( c ). The letter stated they would try to reposses if they didnt receive a payment. They have indeed received a 1099A, 1099OID, 1096, 1040, 1040V and a money order with the outstanding principals balance. As they were the borrower and i was the lender who opened up the account with my cestu que trust by my private account number. Banks cant give credit nor any loans according to title 12 Us 1431. If they dont respond to the payment, nor did they send the payment back if they dishonored the 1099A and money order, UCC 3- 603. The payment has been tendered without recourse. A 1099 C cancelation of debt has been to the CEO of wells fargo also along with form 56. They received the forms on XX/XX/2022. Within 10 days they have to respond with a confirmation they recieved full principals balance, as i gave authorization to send written notice ONLY FOR THE PURPOSE OF SAID DOCUMENTS received.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/XXXX it was discovered that USAA had illegally and without approval on XX/XX/2024 processed a duplicate payment of {$6300.00}. This duplicated a payment FOR THE EXACT SAME AMOUNT two days earlier on XX/XX/2024 paying off the last statement balance. 
This unauthorized withdrawal of a second payment within two days has caused immediate financial harm to my family, and USAA is liable for any costs and fees associated with their error. The costs and fees associated with this error currently are $ XXXX plus time and reputation damage for payments that were rejected due to the unauthorized repeat withdrawal of funds. 
This was not a few XXXX dollar payment duplicated ; it was an entire balance being paid off that the reasonable business or person would understand that running the payment a second time in two days overpaying a credit card by nearly XXXX XXXX dollars is wrong. Their computer system is not an excuse for unauthorized funds withdrawal and putting a family at financial risk. 
Upon calling USAA customer service, I was hung up on mid-call twice when they tried to escalate me with a higher level representative to assist. The third time I was told that it was a few minutes after their closing time and no one was able to help me until the next day. This lack of customer service, the need to call back twice going through the horrible automated menu and hold time, and then refusal to help once it has extended past their close time smacks of avoidance and withholding of service to a 30 year client that has been harmed by USAA. 
I was told I will get a call back the next day but can not be guaranteed when. After waiting five hours I called back in and after delay was informed that nothing could be done for ten days, at which point I could then " dispute '' the transaction. 
This is unacceptable and causing financial harm. I have immediately ceased any financial connection to USAA and will never do business with them again. I have obtained their legal address ( after asking twice previously and not provided ) and will send a claim and pursue legal action. After 30 years of being their customer, it is very clear they have no regard or concern for their harmful actions.
Consumer complaint received 2019-05-10
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: Risecredit, LLC (IL)

The Risecso company opened XXXX. XXXX, 2017 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account
Consumer complaint received 2017-07-25
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. (MD)

I noticed on my XXXX report that there are multiple inquiries that were not authorized by me. Here are the inquiries. 1 : XXXX XXXX XXXX XXXX/XXXX/XXXX 2 : XXXX XXXX XXXX XXXX/XXXX/XXXX 3 : XXXX XXXX XXXX/XXXX/XXXX 4 : XXXX XXXX XXXX/XXXX/XXXX 5 : XXXX XXXX XXXX/XXXX/XXXX 6 : XXXX XXXX XXXX/XXXX/XXXX 7 : XXXX XXXX XXXX/XXXX/XXXX 8 : XXXX XXXX XXXX/XXXX/XXXX I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XXXX XXXX, XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then 7 years which would have been no later then XXXX XXXX. 
The judgment was paid and released on XXXX/XXXX/XXXX, this XXXX XXXX, XXXX is ( 9 years ) I feel that all XXXX XXXX, XXXX and Experian bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all three bureaus REMOVE this immediately from both my name and spouses. It was paid and released over 9 years ago and taken off and on our credit, most recently placed on again.