davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OR)

On XX/XX/21, according to the longtime scheduled takeover of my Simple Bank accounts ( checking and savings ) by BBVA USA, and despite following the instructions emailed to me by BBVA USA, I was unable to access either of my accounts. 

On XX/XX/21, seeing comments on @ XXXX 's XXXX feed from other former Simple Bank users experiencing the same problems, I again attempted to access my account, following BBVA USA 's recommendation to try again, I found myself locked out of my accounts. 

Their customer service number, XXXX, directs callers to a call center. I called four times and was hung up on every time. 

Currently, XXXX XXXX is holding my entire checking and savings funds. I have no way to access them and no way to get ahold of the company to resolve this.
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX bought a debt I owed to Capital One. The last payment sent was to Capital One in XX/XX/XXXX. XXXX XXXX has called me daily numerous times a day for around a year. They have called my parents, past neighbors, and anyone they think is associated with me. They have lied to the credit reporting agencies about the last payment date to keep it on my credit report. As I stated last payment made was XX/XX/XXXX, they are reporting I made a payment to them in XX/XX/XXXX which is an absolute falsehood. I have told them to stop contact, I have sent them a letter requesting them to stop contacting me, my family, past neighbors, past employers but it seems to be of no avail. Not only have they lied to keep their debt on my credit report, they are harassing me. Its been 11 years since I last made a payment, but they set it up so they could continue to harass me and lower my credit score until XX/XX/XXXX!
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo happily accepted my business for the better part of a decade as the account holder of a XXXX XXXX Credit Card, a product designed to help students and others with little/no credit history develop credit slowly by making purchases on everyday things. As my account aged, I was able to unlock better and newer lines of credit thanks to consistent payment of all bills and responsible usage of lines of credit. I had a recurring payment against the card that may have been stopped at some point, but basically the card was flagged as inactive despite my very sincere desire to keep the card active and pinging as part of my credit history. I didn't even learn about this until after the card had been closed and I called Wells Fargo ( and went to visit with a banker in person ). Now my credit score has been destroyed by virtue of a much shorter credit history available, which itself is ridiculous because how can Wells Fargo unilaterally decide to erase years of responsible usage of a credit card? how is this fair? why does an account closure even impact the history that I had with that account? 

So beside myself with rage, feeling helpless, don't know what this will even do because wells Fargo probably offers CFPB executives cushy golden parachute offers after their appointment expires but here goes nothing.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have sent out letters to open a dispute with XXXX and Experian on XXXX XXXX of 2021. There is inaccurate accounts on my reports. Including XXXX XXXX  with a balance of {$12000.00}, XXXX XXXX XXXX with a balance of {$120.00}, XXXX XXXX XXXX with a balance of {$26000.00}, XXXX XXXX XXXX with a balance of {$13000.00}. Its been over 30 days since Ive disputed these accounts.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602A, states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-02-01
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. (VA)

I have filed several complaints with this company regarding this unverified account that is reporting on my credit file. This company ( XXXX XXXX XXXX ) provided protected health information without an authorization which is also a HIPAA violation. I have notified TransUnion of this violation and they refuse to comply with the law. TransUnion have repeatedly violated the FCRA by continuously reporting an unverified account that is in violation of HIPAA. I notified Transunion several times, and my last letter to them explaining that this company has to have a signed authorization before releasing any type of medical information to me or to anyone else. Transunion refuses to comply. Transunion is currently reporting this account as " Meets FCRA requirment '' which it DOES NOT meets FCRA requirements and Transunion must be held accountable if they refuse to follow the law regarding reporting an account that is in violation of HIPAA.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (OH)

In 2020 I received notices that this account that was not mine was delinquent. I notified Costco Citibank that the account was not mine and opened fraudulently but they persisted to try and collect even after I furnished them with a police report and identity theft case report and number. The account was then sold to XXXX XXXX XXXX  after Citi removed the account as a collection.
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

XXXX XXXX claims that I opened an account and received products. I have never used my name or government ID to open an account.I never received any products. This is a fraudulent account and identity theft. They claim the amount is XXXX.
Consumer complaint received 2022-07-22
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. (PA)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A, states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (VA)

Amshercollection services is trying to collect debt that i do not recognize i contact the actual creditor agency XXXX XXXX  and they cant find no account under my name in the state i live in it was opened XXXX XXXX for the amount of {$850.00}
Consumer complaint received 2020-07-29
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DTEDXXXX XXXX {$3500.00} DTEDXXXX XXXX {$5900.00} DTEDXXXX XXXX {$4500.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$650.00} XXXX  XXXX {$17000.00} XXXX XXXX {$17000.00} XXXX {$8400.00} DEPT ED XXXX XXXX {$8500.00}
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NC)

I have been always regular ( ontime ) payer on my zales credit card. I never missed any payment. But due to severe natural disaster ( Hurricane Florence ) I  am now broken. I have no job, no home, no savings and no financial support. As customer courtesy it is kindly requested, considering my regular payment records, severe natural disaster and my financial hardship to please refund following finance charges on my account : XX/XX/XXXX {$78.00} XX/XX/XXXX {$74.00} XX/XX/XXXX {$800.00}
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has been continually calling me daily, everyday, from multiple phone numbers. They report that they are looking to speak to an individual who is not me. I have continually informed them that I am not that person and that they have the incorrect number. I have asked them to stop contacting me, yet the calls continue. They use new phone numbers if i attempt to block their calls. 

I do not owe these people a debt, they keep calling asking for an individual who is not me. And despite being informed that they have the wrong number, they keep calling.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have two transactions come through my account and not enough money at the time to covered the transactions. I had until XX/XX/28 by XXXX to bring my account current to avoid the overdraft fee for high I did and I still was charged the fees and the rep XXXX was very rude and didnt help
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

https : //lakeview.com/ XX/XX/2021 : We began the initial inquiry with Lakeview Loan Servicing to have the PMI removed from our mortgage based on the increased property value. Lakeview informed us that they would send a document in the mail within 20 business days to determine whether we qualify. The form was received on XX/XX/XXXX and stated we needed to make an inquiry to schedule the BPO. 

XX/XX/2021 : We called to have the BPO scheduled and they informed us they would call us to have the payment made and proceed with scheduling. We never received any calls. 

XXXX XX/XX/2021 : I called to see what the delay is and they said we never reached out to make the payment to schedule the BPO, however that was never explained to us. They said as soon as the payment is received they will call within 1-2 business days to schedule the BPO. 

XX/XX/2021 : Payment was received. 

XX/XX/2021 : We still have not received a call to schedule. I called and they informed me this could take as long as 2 more weeks to schedule. When inquired about why the additional delay and not 1-2 business days, they said that information was incorrect.

Throughout the process Lakeview has been unclear about timeline and next steps. In my opinion, they are unnecessarily delaying the process as it is in their best interest to continue having us pay PMI.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I applied for mortgage with fifth third Bank. In XX/XX/XXXX. On XX/XX/XXXX I reminded XXXX XXXX XXXX that property was a lease hold. Association did not own land. My realtor said remind loan officer because some banks do not do loans on lease hold properties. Bank person did not seem concerned at that time. Continued with application. Paid {$390.00} application fee on XX/XX/XXXX. Posted to my XXXX XXXX account on XX/XX/XXXX. On XXXXor XX/XX/XXXX XXXX XXXX XXXX informed me that 5/3 bank does not do lease hold property loans. I had to start over with other mortgage companies. This was 5/3 banks fault. Info was on for sale data and I told them. They will not refund my {$390.00}. To me that seems like fraud. Why did they wait until they took my money to tell me they don't do land lease Mortgages. 
I want my money back. To me that is a lot of money.
Consumer complaint received 2022-07-22
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. (MA)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account number XXXX XXXX and XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (FL)

On XX/XX/XXXX, Radius Global Solutions notified me of a debt it purchased and intended to collect. I responded by certified US Mail on XX/XX/XXXX, disputing the debt, requesting proof of its legality and validity, and demanding that it cease all collection efforts and other debt-related communications by phone, mail, and email. Radius did not respond to my dispute as required by law, and sent a request for payment by mail on XX/XX/XXXX.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

As of today, Navient is continuing to report on my XXXX  credit report 3 student loans that were included in chapter XXXX bankruptcy in XXXX  as having balances and in charge off status ( the other bureaus have deleted or corrected this info ). I have notified Navient and they have closed out my disputes as duplicates in error without addressing the issue related to my bankruptcy filing in XXXX. The issue that I reported previously regarding these loans was in regard to the original delinquency dates, which is another matter. Regardless of the original delinquency date dispute, these loans were included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019 & Navient was obligated at that time to report a XXXX balance on all of the loans they held at that time and stop reporting charge offs. Not only did they fail to do so, but I have now notified them a total of 5 times in writing that they have ignored. I need this immediately fixed on my credit or I will file suit within the next 14 days. These are old accounts that should not be reporting any activity since the bankruptcy. 

I do not agree that I owe this debt and nothing in this correspondence is an acknowledgement of any debt.
Consumer complaint received 2022-07-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: V and H Portfolio (TX)

A debt collection agency has been contacting me and not proving any information about who they are and why they are calling. They used a no caller ID and failed to provided who they were representing and why they were calling. I know practice like these are illegal and it seems through a little research I was able to determine they were calling from Vance and Hoffman LLC.
Consumer complaint received 2022-07-22
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. (TN)

I have disputed this account with Equifax multiple times via certified letters in the past ( see attached letters titled round 1, 2, 3, 4 ) and yet they continue to report inaccuracies and they have ignored my factual complains of their inaccurate reporting on this account. 

I am hoping that the CFPB will actually do something this time about this inaccurate account reporting. I have attached the most resent Equifax report on this account and have requested in another certified letter to Equifax that they either correct or delete this account for inaccuracies. As usual they have done neither. 

Look at the Payment History ( see attached XXXX ), it is all over the place. They are reporting this account is : 30 days late in XXXX and XX/XX/XXXX ; 60 days late in both XXXX and XX/XX/XXXX ; and 180 days late from XX/XX/XXXX to XX/XX/XXXX. HOW CAN THAT EVEN BE POSSIBLE? 

I contacted the original creditor and they have informed me that this account belongs to a man with the same name as mine who died in XX/XX/XXXX. WHY IS EQUIFAX REPORTING THIS?
Consumer complaint received 2018-05-07
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. (GA)

Inaccurate account information is reporting on my credit report. Account number XXXX from XXXX XXXX for {$580.00} continues to remain on my XXXX and Experian report after several attempts to dispute it with with both credit bureaus. This account was disputed and deleted from my XXXX  report on the dates of XX/XX/XXXX, XX/XX/XXXX. I have documentation to verify this. 

Which means that it was added back to my account twice illegally under a different amount, {$580.00} without any notification.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The below account appears on my credit report. I have taken care of the account with the credit agency. I have contact Experian several time to have the account updated. They will charge it for a while and then it goes back to delinquent. I have sent proof of paying the account. I tried today to dispute it again and now their systems dates they will not review it again.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting SYNCB/AMAZON PLCC Opened XXXX XXXX, XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2018-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (PA)

I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX in XX/XX/XXXX. {$1000.00} deposit was placed to purchase the vehicle. Received a loan with XXXX XXXX at 19 % interest rate for 60 months. For a principal balance of about {$17000.00} with a monthly payment of {$470.00}. In XXXX of XXXX I was injured. I was out of work for 4 yrs.Due to this fact I went through some financial setback. Made payments during this time but payments were late or I couldnt pay. I contacted XXXX XXXX 4 times during the 4 yrs and payments was placed on the back of the loan. This extended my loan another year. Around the end of XX/XX/XXXX my car was repossessed by XXXX XXXX. I made a payment to them on XX/XX/XXXX {$2800.00} and got my car. Ive been making payments ever since. Never got any notification my loan was being switched. 
Until I got a notice from Santander Consumer USA demanding payment, in XX/XX/XXXX. Made a call in XX/XX/XXXX to get a payoff and was told I owed {$13000.00}. I asked how could this be? My loan is due to mature by the end of the year. Thats when I found out my interest rate was now 21 % and that my loan had not decreased much since paying it. Got a copy of my report during that time and discovered my loan had been charged off, since XX/XX/XXXX. During this time Ive been making payments up until XX/XX/XXXX. Called Santander they said it wont hurt me they have it documented Im making payments. I said not so because my payoff amount is not reflecting my payments. At that time I told them Im not making no more payments. My loan should be almost paid off and its not.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I.C SYSTEM INC tried to destroy my credit back in the year 2020 as a FRAUDULENT claim, this account has been PAID OFF for 3 years. 

I am attaching evidence of the fraudulent claim and reporting IC SYSTEM INC is doing to my credit. 

I am demanding to DELETE this fraudulent claim as this account was PAID IN FULL 3 years ago. 

DELETE FROM ALL BUREAUS.