davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

There are three collections reporting on my credit file with Professional Adjusment Company for 3 medical bills from several years ago. First I never knew I had a balance for any type of medical bill it wasn't until I received a copy of my credit file. Once I did I wasn't even sure if they were truly mine. Once I did confirm I owed them, I paid all three in full. The debts the are showing occurred in XX/XX/2013 so I am assuming that the date open is when the this collection company received it. I could I pay for something I knew nothing about at the time?
Consumer complaint received 2018-10-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CT)

This is regarding transaction ID # XXXX with TransferWise.com. 

On XX/XX/2018, I created an account and used transferwise.com for the first time to send USD XXXX to XXXX. TransferWise asked me my XXXX XXXX account login and password. I gave it to them, so they can use it to get the fund from it. The site showed the money should arrive in 1 hour ( XXXX ). 

On XX/XX/2018, I received an email confirming me that TransferWise has received the money ( XXXX ). 

On XX/XX/2018, I found my account has been deactivated without notice and I can't login to TransferWise.com. So, I sent email to TransferWise and they asked me to send a photo and photo ID ( XXXX ). By this time, it's already 5 days and I already gave up waiting for TransferWise and have already used a different online service to send the money. 

On XX/XX/2018, I replied I don't want the account anymore and just want my money back ( XXXX ). TransferWise asked me to check with the bank ( XXXX ). I called the bank but there's nothing the bank can do because the fund is already cleared. I asked if TransferWise has initiated the refund process or not ( XXXX ). 

On XX/XX/2018, TransferWise replied they have initiated the refund process on their side ( XXXX ) On XX/XX/2018, it's 10 days later and the money hasn't been refunded yet. So, I asked TransferWise again and provided them with a screenshot of the transaction from my checking account ( XXXX ). TransferWise replied that they're conducting a further customer due diligence check on my account and it can take approximately 60 working days ( XXXX ). 

On XX/XX/2018, I sent an email to complain they can't hold my money for that long without my permission ( XXXX ). TransferWise replied with similar info ( XXXX ). 

On XX/XX/2018, I sent another email to TransferWise mentioning it has been 2 months and I haven't received the money back ( XXXX ). TransferWise said they're forwarding my concern to the team ( XXXX ). 

Note : I also have called TransferWise regarding the issue, but they said they can't provide more info.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2022-03-12
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: TD BANK US HOLDING COMPANY (NJ)

Supposedly I was late 30 days with a payment in XX/XX/2021. Well at that time I was in the hospital with XXXX and I wrote that down in my credit dispute and they said the dispute is over and I checked and the 30 days late is still on my report. TD BANK the company that goes into your account and takes {$30.00} overdraft fees if you got one sent over your balance. I am also XXXX and my XXXX pension and Social Security gets directly deposited into that bank so its hard for me to change without going through hassle.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I overdrew my account. Capital One sent me two emails on XX/XX/21 saying I had until XX/XX/21 at XXXX to bring my account balance to a negative {$5.00} or less then they turned around and billed me the fee on the XXXX and I called twice and despite me telling the reps about these emails they refused to remove the fee. I sold my daughters XXXX XXXX to make this payment and pay another bill who will only take a card and now I can not pay either.
Consumer complaint received 2018-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

This is the second time we have had to file a complaint ( complaint number XXXX ). My brother is the homeowner but I have been communicating with the mortgage company since the beginning on behalf of my brother. I am authorized to communicate with them. My brother lost his job at the beginning of the year. The mortgage was transferred from XXXX to Bayview Loan Servicing as of XX/XX/2018. He filed for a loan modification in XX/XX/XXXX. After XX/XX/XXXX when they kept asking for copies of his paystubs I reminded them numerous times that he was no longer employed and could no longer afford to keep the home. He wanted to do a deed in lieu as he no longer wanted to keep the property, I was told by Bayview that they do deed in lieus very rarely and they wouldn't recommend it. I told them that he had to vacate the home as he could no longer afford the condo assessments, utilities, etc. They kept insisting that there was someone still living in the home even though I told them that their appraiser took photos of the wrong unit and that my brother 's unit was clearly marked with his name and unit. They finally admitted they had the wrong unit after we filed the first complaint. The second time I told them he wanted to do a deed in lieu I was told he couldn't do it until the loan modification was denied. They sent the denial to his vacant home dated XX/XX/XXXX ( over 6 months from the time he filed it ). They stalled for over 6 months. They knew he was living with me and had no idea they sent a XXXX   package with the denial until much later. He was served with a complaint for foreclosure at my residence on XX/XX/XXXX. The complaint indicates you should call your mortgage company or the attorney for help. I called Bayview, left a message and got no return call. I called them again, got someone who didn't have a clue what she was talking about so I asked to speak to a supervisor. I was told he was in a meeting and would return my call. Never did. I called their attorney 's office and was told to call the mortgage company. I will be filing a complaint against this company with every government agency I can think of.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (AL)

I tried to get a loan and received a score from the other XXXX Credit Bureaus. However I was told that Equifax had a flag on my account. I have tried to talk to a representative multiple times and have not been able to clear up this issue. I need to be told what to do to clear the flag and move forward with getting a credit score at Equifax. This issue needs to be resolved ASAP so that I can move forward with buying a new home.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (FL)

XXXX XXXX is reporting I Owe {$220.00} on my XXXX  credit report. I NEVER HAD A XXXX XXXX ACCOUNT NOR ORDERED ANYTHING FROM XXXX XXXX. I WILL SUE XXXX XXXX  AND XXXX  IF THIS INCORRECT INFORMATION IS NOT REMOVED
Consumer complaint received 2017-06-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I had student loans starting from XX/XX/XXXX. Once it was time to start paying I called us doe, was told XXXX XXXX had my loans. Called XXXX XXXX and they informed me Navient had them. Navient was adamant they did not. Spent 2 years you g back and forth looking for my loans. I gave up. Fast forward to XX/XX/XXXX XXXX XXXX tells me that NAVIENT sold my loans to them. Too late, they had been in default for a while. I had to rehab them. Meanwhile my credit score drops severely. I pay XXXX XXXX for 10 months only to find out they got transferred BACK to Navient!! I do n't want to deal with these people and have to worry about if they 're going to do me dirty again. I should have never been in this situation to begin with. Navient lied to me about not having my loans when they did and it hurt me since I was not able to make my payments. What can I do??
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

My wife XXXX XXXX and I had an Auto Loan through XXXX XXXX. Unfortunately, we had to voluntarily surrender this vehicle because we simply could n't afford the payment. A few months after surrendering the vehicle, XXXX XXXX XXXX XXXX XXXX reached out to us in regards to paying the remaining balance. We came to an agreement of {$130.00} a month which we started paying in the XXXX of 2016. Since then, legal action ( judgement ) was going to be taken against us. In order to prevent having a judgement on our credit reports, I reached out to XXXX XXXX XXXX to work something out. The agreement was that if we paid the balance in full, the case would be dismissed. We paid the account off in full and successfully worked with the staff from XXXX XXXX XXXX which was working to collect the debt for XXXX XXXX. I immediately disputed the information as being paid on my credit report through Equifax. Equifax came back 30 days later and informed me that all information was reported correctly, but the account was still not showing as paid. After receiving this information, I called XXXX XXXX myself to find out what the problem was. The representative informed me that my account was showing a XXXX balance and has been paid in full. Furthermore, this was showing as a voluntary surrender but has now been updated to a collection. This account was paid in full.
Consumer complaint received 2022-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I have sent all 3 credit bureaus letters about these fraudulent accounts on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Its been over 60 days. XXXX requesting that these accounts to be removed immediately I have uploaded my Id and current address, social security card and FTC report.
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

I received an half-sheet postcard of an advertisement in XX/XX/2018 that  said I could earn {$200.00} cash back when I spent {$1000.00} with my Walmart Mastercard. The offer was valid through XX/XX/2018. The  {$200.00} would be paid as a statement credit within 1-2 billing periods. According to my calculations, the {$200.00} should be posted to my account in XX/XX/XXXX statement. On XX/XX/XXXX, I live-chat online and was promised the bonus will be posted within 1-2 billing periods. On XX/XX/XXXX, I received a letter that stated they would review my account. On XX/XX/XXXX, they sent me a letter requesting me to explain the concern which I mailed back on XX/XX/2018. On XX/XX/XXXX, I call customer service and talked to XXXX who promised me the bonus with a reference # XXXX. On XX/XX/2018, I received a letter stating that my request had been processed and AGAIN, the statement credit will appear on my billing statement within 1-2 billing cycles.
Consumer complaint received 2018-10-27
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: Clarity Services (LA)

Information is incorrect. Never have gotten any loans or anything put into my name. Someone must have used my social security number. The only thing that is correct is the information from the XXXX hospital but I have Medicaid so there shouldn't be any payments i have to pay. My Medicaid should have taken care of that so that information is also false.
Consumer complaint received 2018-10-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revenue Assistance Corporation dba Revenue Group (OH)

My husband, XXXX XXXX and I, XXXX XXXX have repeatedly asked the XXXX XXXX to stop contacting us on our cell phones, and have given them our landline phone number. However, they continue to call our cell phones. When we remind them that they are not supposed to be calling our cell phones, they get rude and hang up on us.
Consumer complaint received 2022-07-25
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. (AZ)

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There are two problems.

First, one is with my XXXX XXXX credit card. They recently increased my available credit line by {$200.00} and reported I owed them {$0.00}. At that point, both TransUnion and XXXX decreased by credit score by 69 points and 59 points respectively based on that report. XXXX XXXX has agreed to investigate for me if I send them a letter stating the problem but said they are unable to request a change by the credit reporting agencies. 

Secondly, before that, I disputed an account by creditor XXXX XXXX requesting proof that I owed the {$230.00} they had turned in on my credit record about five years ago. I received a letter from them dated XX/XX/2018 saying that they placed my account on hold status and that collection efforts were ceased. However, it is showing up as an open collection on my account with a {$0.00} balance. 

And now they are saying a new address has been added for me when I have not moved. I checked XXXX XXXX and no new address has been added. 

I have reported both these to Transunion and XXXX but it has only made my credit record lower.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

At annualcreditreport.com I can never get my credit report or credit score from Equifax. I have to call the request in and it takes 15 days to get it in the mail. I got a letter from XXXX XXXX saying that my Equifax credit report or score was " bad '' and I might have to make a deposit. I can get an immediate online Equifax credit report and score if I pay those corrupt XXXX MONEY. They are trying to extort money out of me instead of complying with the law and providing my credit report to me for free online.
Consumer complaint received 2019-05-09
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. (TX)

I have made several attempts to verify an account in collections by XXXX XXXX XXXX directly and through the Credit bureaus. In XXXX and XXXX of 2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that XXXX is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original creditor?
Consumer complaint received 2022-03-12
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. (NV)

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$28000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$12000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$7900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2018-10-27
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. (HI)

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-05-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NV)

I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and ALLY FINANCIAL were no successful resolution. XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/2018 2018
Consumer complaint received 2022-03-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (FL)

Equifax was hired to confirm a credit card acct. This was required to close. Equifax had entirely wrong information. I had to assist the. confirming correct information. Which XXXX did confirm. They then had to call my XXXX XXXX. When put on hold Equifax agent hung up. After calling them back the new agent stated he had to start all over again even though this was completed. There was no notes in the file. I asked for a manager and he put me on hold but then hung up. I never tried the bank.