davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I waspassenger in a car that was involved in a motor vehicle accident. where it was 3 people in total in the car. we where transported by XXXX volunteer ambulance service to the hosiptal all of us went in the same ambulance at the same time to the same hospital. I checked my credit report to find this ambluance ride on my XXXX XXXX and XXXX and XXXX credit report. i contacred the ambulance and the debt collector to not be able to get the matter resolved i do not have issue paying the bill but im want to dispute the amount of XXXX for me to pay when there where 3 people in the same ambulance.
Consumer complaint received 2019-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

capital one and XXXX caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

I purchased some items from a XXXX decoration/design company ( XXXX ) that arrived in terrible shape and that were of substandard quality by almost anyone 's definition ( one of the art prints looked like it had come from a home printer ). I disputed the issue with the company and never heard back from them. 

I then filed a complaint on XX/XX/2019 ( See Attachment 1 ) with the credit card company Synchrony Bank ( XXXX Cash Back Visa ), and was told the case was being investigated. 

On XX/XX/2019, the credit card company issued a refund of my purchase, only to allow the merchant to immediately re-bill me for the sum total ( See Attachment 2 ).  Once again, I wrote to my credit card company for assistance and was provided with a generic auto-generated message followed by months of silence. 

On XX/XX/2019, in response to two more messages from me, I received a letter from the credit card company stating that they'd ruled in my favor and had issued a credit on XX/XX/2019 ( See Attachment 3 ). Oh, joyous day! Not. The letter did not take into account the immediate re-billing of the items after the credit was issued -- something I repeatedly mentioned in my previous complaints to them. 

I then followed up on numerous occasions over the subsequent months ( See full  correspondence ; most recent at the top - Attachment 4 ) without any type of resolution or even an acknowledgment that a human being capable of independent thought was looking into my case. 

That is still where we find ourselves today.
Consumer complaint received 2019-10-05
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. (TX)

XXXX XXXX and Equifax caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-05
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: NORTHPOINT MORTGAGE, INC. (NH)

Northpoint Mortgage pulled my credit without consent. I specified that I did not want to start an application, and they started an application and pulled my credit regardless. 

When trying to resolve this with Northpoint, they claim that I did in fact consent to both an application and a credit pull. When I asked for proof of this ( for I knew it was inaccurate ) they could not provide any and stated that they do not record their calls.
Consumer complaint received 2019-04-08
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. (MN)

My personal information was stolen and there is numerous fraudulent account in my name. I have tried disputing all of the fraudulent accounts with Equifax. I was on the phone with this company for over an hour. After verifying my identity and disputing the accounts that are fraudulent, I was transferred to another associate who claimed she could not verify me. I went through the entire dispute process with them in the end to be hung up on. I disputed the following ; You have 9 Closed Accounts Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX All of these are Fraudulent accounts and Equifax refused to due their due diligence to help me take these off of my Credit Report.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX, Account # : XXXX*, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The following below is all inaccurate information on my credit report under the Account Name XXXX. 
The Date Opened, High Credit, Last Reported, Date Last Active, and Date of Last Payment. 
I would like it to please be removed immediately. There has been an attached document with more details supporting the inaccurate information below.
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION (TX)

The XXXX XXXX XXXX has reached out to Amegy Bank on several dates going back several years to rsolve the banks continuing practices of illegal discrimination and modern day redlining - all to no avail. 

Amegy Bank remains in denial and refuses to meet to resolve the outstanding Illegal Discrimination Claims - outlined in the Complaint.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

I did a Pre approval at lending tree, one that promised a no impact on the credit and a soft pull ... over the next 3 or so days many many many " Lenders '' banged my reports with inquiries ....

Upon noticing this I called all the credit bureaus, they told me that there was nothing they can do and i hate to contact the " lenders '' so I did exactly that ONLY TO HIT ANOTHER BRICK WALL when they told me since it was through a 3rd party ( XXXX XXXX ) they could not even SPEAK to me about it, its on my report and they wont even talk to me.. this is pureeee fraud!!!

of course I found out lending tree gets PAID for each inquiry from each lender .... 

So between XX/XX/XXXX and XX/XX/XXXX of 2019 the following inquiries were spread between all 3 credit reports UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

I did a Pre approval at lending tree, one that promised a no impact on the credit and a soft pull ... over the next 3 or so days many many many " Lenders '' banged my reports with inquiries ....

Upon noticing this I called all the credit bureaus, they told me that there was nothing they can do and i hate to contact the " lenders '' so I did exactly that ONLY TO HIT ANOTHER BRICK WALL when they told me since it was through a 3rd party ( XXXX XXXX ) they could not even SPEAK to me about it, its on my report and they wont even talk to me.. this is pureeee fraud!!!

of course I found out lending tree gets PAID for each inquiry from each lender .... 

So between XX/XX/XXXX and XX/XX/XXXX of 2019 the following inquiries were spread between all 3 credit reports UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America has engaged in a long-term pattern or practice of providing False statements or representation for credit card account XXXX. In fact, these false statements or representation were so serious that I had to close this credit card account. I am attempting to pay an alleged debt to Bank of America for various late fees and interest charges caused by delays created by their failed ACH system which appears designed to incur late fees and interest charges. 

On XX/XX/19 @ XXXX CST I called bank of american collections at ( XXXX ) XXXX who {$25.00} removed from past due amount leaving a payoff amount of {$9.00}. representative was a female who offered to make call notes for a future representative to refer to if item is not removed from credit bureau. 

XX/XX/19 XXXX call during a 1hr-12min call I was transferred to XXXX XXXX who escalation manager and was told the content of my prior call on XX/XX/19 included false statements or representation. Mr XXXX went on to say the name of the representative providing false statements or representation on XX/XX/19 was XXXX XXXX.
Consumer complaint received 2019-04-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (AZ)

I have a debt collection for an account that I do not recognize. I have never applied for loans with this company mentioned in the remarks. The information being reported is completely inaccurate. This debt does not belong to me.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I did a Pre approval at XXXX XXXX, one that promised a no impact on the credit and a soft pull ... over the next 3 or so days many many many " Lenders '' banged my reports with inquiries ....

Upon noticing this I called all the credit bureaus, they told me that there was nothing they can do and i hate to contact the " lenders '' so I did exactly that ONLY TO HIT ANOTHER BRICK WALL when they told me since it was through a 3rd party ( XXXX XXXX ) they could not even SPEAK to me about it, its on my report and they wont even talk to me.. this is pureeee fraud!!!

of course I found out XXXX XXXX gets PAID for each inquiry from each lender .... 

So between XX/XX/XXXX and XX/XX/XXXX of 2019 the following inquiries were spread between all 3 credit reports UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Consultants, Inc. (NC)

I received a notification from XXXX XXXX to alert me that something negative had been added to my credit bureau through XXXX. When I read the details, a company called Professional Recovery Consultants are trying to collect on a medical debt that I have no knowledge of and wasn't given notice of the debt nor the right to dispute the debt.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Transunion I requested my hard copy.It looks the same as the one I can check online through XXXX no score only personal information, general inquiries, on the back of the one page report it says I am to purchase my score their services are {$30.00} approximately a month.According to XXXX and past hard copy my score has not changed in over a year.I have exhausted calling, filing complaints, filed recently with the XXXX XXXX XXXX.I have been denied repeatedly and not given any information as to why my score has not changed.I recently opened an account that reports to the credit agencies.It shows up the account is reporting.my XXXX score has went up alot in the last 6 months.Transunion no change.i was a victim of the XXXX XXXX hack over 3 years ago and it froze my credit.every since then I have been repairing that damage.I have been hung up on, denied any information and told they do have to supply me that information unless I pay for it.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I have received a total of 3 {$29.00} NSF 's from one transaction that should have posted. On each time that the transaction was presented to be applied for payment, more than sufficient funds were available. Based on the convo that I had with the rep related to the posting order, this transaction should of been paid.
Consumer complaint received 2019-10-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

Quicken loans VA XXXX. 
This company has a XXXX deposit ( unlike any of the other 1000 's  of mortgage companies. The policy in itself is not inline with VA standards. VA streamlines or for the veteran NOT for some huge company to save money. I made the stupid deposit with this company on end of business Friday XX/XX/XXXX. I emailed to have my loan application withdrawn and deposit refunded on Monday XX/XX/XXXX ( less than one business day ). I told them in the email I would pay the XXXX for their credit check ( no one else charges this either ) but that there was no way an appraisal was done in less than a business day. On Friday XX/XX/XXXX Quicken sent me a notification that the appraisal was done. I sent them another email with my previous email asking for it to be withdrawn. They just keep going and attempting to charge me. I filed a dispute with my credit card company which is a XXXX and I highly doubt they will let this kind of behavior go through. However, the VA and CFPD have some level of obligation to ensure these sort of practices are not being used on Veterans ( normal people too ). I am a XXXX XXXX XXXX XXXX XXXX veteran, attempting to use a benefit while this company reaps massive amounts off of veterans. This kind of behavior should be nipped, they have plenty of complain ts regarding this same behavior. Why is the VA still certifying them to do business with us?
Consumer complaint received 2019-10-05
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. (TN)

Experian will not remove XXXX XXXX XXXX off my credit report. 
I have send the my police report, because the Company use my identity. 
I have put Theft Alert on my credit report. 
I have did several disputes. 
XXXX XXXX is not XXXX or XXXX credit report it was report. 
Experian Costmer Services gives me a hard time. 
The Account belongs to XXXX XXXX. 
I sent them pay history. 
Experian also send my a alert that it was remove off my credit report and its not.
Consumer complaint received 2019-04-11
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)

XXXX is listing loans not taken out with them, showing incorrect balances. All loans were with XXXX XXXX, which split to XXXX in 2014 ; however both XXXX XXXX and XXXX list the same loans, therefore each loan listed twice on credit report, once as XXXX XXXX and once as XXXX. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. XXXX updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. XXXX is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.
Consumer complaint received 2019-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

Dear CFPB, Please assist in any way you can. 

I have loans from law school with FedLoan Servicing. 

I am a former member of XXXX XXXX XXXX XXXX XXXX. Having served in this XXXX program for two years, I received the XXXX XXXX Education Award. 

I make my loan payments with this education award through an online XXXX portal. FedLoan servicing consistently applies my payments late. I fear that the late payments will damage my credit score, appear negatively on my credit report, and that some of the payments will be ineligible for Public Service Loan Forgiveness. I currently work in legal services for a nonprofit, and all my payments should be PSLF eligible. 

When I make a payment through the online XXXX portal, it lists my payment as " Pending Institution Action. '' It lists the payment in this status for weeks at a time, such that my payment to FedLoan ends up being late and not PSLF eligible. For example, FedLoan currently lists my payment due XX/XX/XXXX as late even though I created a payment request on XX/XX/XXXX. This payment has still not been applied to my balance. Today, I created a payment request for my payment due XX/XX/XXXX, and I fear that that payment will also be applied late. 

This is an ongoing issue. When I look at my ledger of payments submitted through the XXXX portal, many payments over the last 3 years are not accepted by FedLoan until close to a month after I submit the payment. 

I spoke with FedLoan about this roughly two months ago. They told me their system for dealing with this issue is admittedly imperfect because they only send requests to XXXX for the payments once every few weeks. This causes many payments to be late. I told them this is very unfair. I told them I had submitted complaints and inquiries about this issue before via FedLoan 's " Email Us '' tool on their website. When I asked for copies of all correspondence I submitted, they told me I would have to subpoena them to get it. 

Thank you for any assistance.
Consumer complaint received 2019-10-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (NC)

On XX/XX/XXXX I received a email from a person name XXXX XXXX claiming to be a attorney that stated the following.. 

I am the attorney of the National Credit Collections ( Hereinafter Plaintiff ), I have received your case file today From Mr. XXXX XXXX. The accounts department of National Credit Collections has decided to mark this case as a flat refusal and press legal charges against you. 

Docket no : XXXX Case File # : XXXX Subject : Loan/Debt Recovery Case File Transferred to NCC INC. : XX/XX/XXXX Amount Owed : XXXX Settlement out of court : XXXX ( Only valid for today ) And we apologies that the Arrest Warrant Which you will receive in your next email positively by Monday will also be sent to your current employer too. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to XXXX and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If you still want to resolve this account then contact us at XXXX at your earliest convenience. 

I have no idea why this was sent to me ... they did list the last 4 digits of my SS # ... which concerns me ... I feel that someone from a cash advance that I applied for in the last few months have forward my info with my email address to this person who is trying to scam me.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

A DISPUTE WAS SENT TO UPDATE INACCURATE INFORMATION BEING REPORTED BY FINGER HUT. THEY UPDATE THE REPORT WITH MORE INACCURATE PAYMENT HISTORY. 30 DAYS LATE 1 TIME 60 DAYS LATE 1 TIME 90 DAYS 4 TIMES IN XXXX AFTER THEY SOLD THE ACCOUNT IN XXXX
Consumer complaint received 2018-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Last reported date - XX/XX/XXXX Creditor Name - XXXX XXXX Supposedly Opened on - XX/XX/XXXX Limit - {$500.00} Payment Status - Collection/Charge off Creditor Contact Details - XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number - ( XXXX ) XXXX
Consumer complaint received 2023-03-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am furious, this is the third time now trying to get answers to this problem, wells fargo is now denying even having been invovled with our mortgage loan, they stole our house in 2011 i have all kinds of fraudulent paper work from them and they will not give us answers as to why they stole our house, we want someone to do the whats right.