davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was affected by the XXXX data breach and my identity was stolen. I went through the proper procedures and filed an FTC report with the Federal Trade Commission and I have also filed an identity theft affidavit. Unfortunately, I was not informed of the investigation results and I was not supplied any supporting proof documentation. 

I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore ny such debt, in fact exists.
Consumer complaint received 2023-03-22
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} ; XXXX XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

N accordance with the Fair Credit reporting Act 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AL)

On XX/XX/2018. IC Systems was added as a collections account my credit report. I have not received any written notice informing me of such debt or allotting my 30 day time to dispute the accuracy and validity of said debt.
Consumer complaint received 2024-02-05
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. (GA)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2023-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( Transunion, XXXX, XXXX ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file immediately.
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc (VA)

I had monthly membership at XXXX XXXX XXXX for 2-3 years. I had selected the membership that I could end anytime. I was not provided promised services. 5-6 months I was lied to so I wouldn't cancel my membership. I could never use the machines I went for. The company also forced political beliefs on me. When I went to the front desk to complain on the last day of my membership, I was confronted as if I was the person who left a bad XXXX review. I was not. I was then informed I had been lied to last couple of months. They were very disrespectful. I decided to end my membership and never come back. Since then, I got " come back '' e-mails, collection notices for the following month 's fee after my termination that I refused to go for. I wanted the Corp to call me, they never have. I called the collectors and disputed, explained why. I asked not to be harassed again. I was told they were not going to stop and demanded me to pay something I was disputing. I told them we should go to court to resolve it. They have been abusive last 2 month. Even after I demanded them to stop, they often text me. They have called ( left vms sometimes ) 20 times between XX/XX/XXXX-XX/XX/XXXX. It hasn't stopped. I communicated with both the collectors and membership services regarding to their harassment for {$75.00} fee that I should not have been charged. I reminded the Fair Debt Collection Practices Act and breach of contract. I asked for higher management and their registered agent couple of times. At all times, both XXXX XXXX and their collectors ABC have refused to stop harassing me to this date.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NV)

I have been trying to work with Caliber for a loan modification and they have acknowledged all the documents received and they still will not postpone the foreclosure sale date to allow us an opportunity to keep my home. I had a XXXX which forced me our of work. I have my Daughter taking care of me at this time. I am currently receiving Social Security benefits and of course the help of my Daughter. I dont have any where else to go if i lose my home. Please help me.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

My identity was stolen and money was pulled off several of my credit cards. Wells Fargo finally refunded all the money back on my card but they reported me as 30 days late and that still has not been removed from my credit report. I cancelled my card out of disgust with them but they need to correct my report.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (UT)

XXXX XXXX is attempting to collect on a debt I do not owe. This debt has been paid and should not be on my credit. Also, I never received any notification regarding this debt. No phone calls or letters. I did not know about this debt until I pulled my credit file. This is a violation of my 30 day right to dispute and needs to be removed off of my credit.
Consumer complaint received 2023-08-14
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. (TN)

XXXX XXXX XXXX XXXX is reporting inaccurately an account that was included in my XXXX  XXXX bankruptcy that has completed as a charge off. It was never near charging off when i filed and not even 37 days past due. I have included correspondence from them that proves it. I did file a dispute with Equifax and the account changed it's reporting to closed but is now reporting as a charge off again when it should not be. This is a clear violation of the FDCPA. I am including my original XXXX  XXXX petition from XXXX XX/XX/2018 showing they were notified. This has had a major impact upon my credit. Their inaccurate reporting.
Consumer complaint received 2020-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've requested the credit bureaus to do an investigation regarding incorrect and misleading items that are reporting on my credit reports. My first correspondence was sent out the XX/XX/2020. I did not receive any updates on the status of my investigation at all. I also didn't receive an updated credit report with results. My request was completely ignored. I then sent out another letter to the credit bureaus on XX/XX/2020 notifying them that I haven't received any update in the past 60 days and my request was ignored.
Consumer complaint received 2023-03-21
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2023-08-22
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. (NJ)

ERROR CODE BLNK THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT PLEASE REMOVE ERROR CODE BLNK
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (MO)

Credit ratings ( FICO Scores ) do NOT allow for those who have paid off mortgages, cars and continue to pay off charge cards monthly. This affects insurance costs daily! Adding additional debt should NOT be the way to get a better score. That's just the wrong answer. 

There should be some compensation in the credit score for those who are prompt with payments and who have had years of prompt paying. Credit for owing {$800000.00} in debt but having paid for it. 

Id like an answer from the Consumers Finance Protection Bureau on how many items connected to one 's FICO score can continue to increase consumer 's costs while their credit remains perfect. The WRONG answer is to ADD more debt. But that is what consumers must do to increase their score!
Consumer complaint received 2018-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

All of my student loans have been consolidated with Navient as of XX/XX/2017. I have never missed a payment or went into forbearance and even pay extra towards the principal of the loans in order to pay them off quickly. My problem is how they handle my over-payment. My goal is to simply apply my extra payment to the smallest loan to pay that off quickly. Their website allows this to happen yet this never happens. Any extra amount I attempt to pay towards the smallest loan is ignored and spread across all loans, allowing Navient to make the most out of interest and barely making a dent in my loans.

This misallocation of funds must stop!

I have contacted the company to fix the issue on their website and they have had to go back into my account to move any extra payment into the smallest loan. I should not have to call every month to have them move funds correctly as directed on their website. This is a pain and back practice.
Consumer complaint received 2021-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (TX)

Mortgage company Amegy repeatedly mails notices that they cant verify hazard insurance after hazard insurance paid for and uploaded. After changing insurance companies and uploading new insurance, we always receive a notice from Amegy that we didnt have insurance for the period prior to changing companies. Have spent 6+ total hours on phone with representatives regarding this issue. Eventually Amegy bank used escrow money for lender-purchased insurance ( now we have dual insurance, since were already insured ) and wont refund the money.
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (VA)

I set up a payment plan on their online system, and they set up a recurring payment plan without my knowledge, I only wanted to make one payment. I called and they told me to remove my payment information from the online acct, this I did and then another payment was paid to my account, then the following month I noticed that there are two more months showing recurring payments. I called to cancel payments and after waiting over 15 minutes the representative was very rude and said that she would send a email to mgmt and I would have to call back. I asked to speak to a manager and waited for 17 more minutes. I feel this is unfair debt collection as they intentionally have a system that automatically charges you monthly and you can not cancel recurring payments.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (CA)

Attempted to open a pre-approved account with XXXX, issued by XXXX XXXX XXXX, and was denied. Tried dealing with them by mail as they do not show a telephone number and was told SSAN mismatched, then that they do not show any record of the application. Suspect bait and switch or other tactics in order to pull a hard inquiry on my credit file.
Consumer complaint received 2023-03-21
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. (FL)

this is for a XXXX XXXX credit card that was opened XX/XX/XXXX and closed XX/XX/XXXX but on my consumer reports its showing late payments in XXXX, XXXX and XX/XX/XXXX with a last payment in XX/XX/XXXX this account has been disputed many times to be resolved or deleted from my credit report i got deleted XX/XX/XXXX but for some reason its back reporting with late payments on both equfax and XXXX
Consumer complaint received 2020-08-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc. (TN)

The phone number XXXX with the caller identity XXXX XXXX called my cell phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The calls came from Central Portfolio Control , Inc. They are located in XXXX, MN. The reason for their call was related to a hospital bill for an emergency room visit in the amount of {$2300.00} from XXXX XXXX XXXX XXXX. 

I was cleaning up old piled up mail at my home in XXXX or XXXX of XXXX when I found the one bill Central Portfolio Control sent to me dated XX/XX/XXXX. I went to the website listed on the bill one day just to make sure it was a valid company and to see if the site was operational. This hospital emergency room visit was from XXXX of XXXX, so, I took the time to go through all of my receipts from that year to make sure it was a bill that I had not already paid. By the time this task was complete it was the end of XX/XX/XXXX. 

When I could not find proof that the bill was paid, I set out to pay it over the next few months. I determined that I would take whatever was left over after every paycheck and pay on it until the bill was completely paid. The first payment I made was on XX/XX/XXXX in the amount of {$1000.00}. The payment cleared my bank on XX/XX/XXXX. 

Central Portfolio Control made a call to me after I went to the website initially. I was at work at the time of their call on XX/XX/XXXX at XXXX XXXX EST. The person said, I saw you have been to the site. When are you going to pay the bill? I told him I did not know if it would all be paid at one time, but my intention was to pay it. The next day I made the payment of {$1000.00}. The person turned around and called me back on the next day XX/XX/XXXX and asked when I was going to pay the bill. I explained how I plan to pay the bill and that I could not give a specific amount. I simply told the person I would pay the bill online and I would make a payment every month. He called again on XX/XX/XXXX and I blocked the call because I felt it was ridiculous to have this call every day when I had already stated my intentions. 

A payment of {$390.00} was made on XX/XX/XXXX. Another payment of {$100.00} was paid on XX/XX/XXXX because I saw 5 calls had already been blocked from this number and it was all I had until I got paid on XX/XX/XXXX. The remaining balance as of XX/XX/XXXX was {$900.00}. When I got paid on XX/XX/XXXX I paid the other {$900.00} to retire the bill. 

Little did I realize that Central Portfolio Control , Inc. had placed this account on my credit report with XXXX in the amount of {$1000.00} on XX/XX/XXXX. To add insult to injury I got a notice that it was placed on my XXXX credit report on today XX/XX/XXXX and the bill amount is {$0.00}. This violates my rights under the fair credit reporting act by providing inaccurate information about me to the credit bureaus in an attempt to ruin my credit.
Consumer complaint received 2022-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scratch Services, Inc. (UT)

I received a XXXX loan which was forgiven but the company continues to say I owe money even though they sent me an email months ago saying the debt was forgiven. I have left voicemails, emails and tried calling and cant get a hold of anyone nor do they ever email or call me back.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (KY)

I could not log in my Bluebird American Express card to check my deposit from my employment. I called Bluebird customer service, and was told my account has been suspended permanently. I asked why, and I was told for unemployment fraud. The customer service representative told me I had to call the unemployment office. I called the unemployment office and spoke to XXXX XXXX at the XXXX KY office location about the issue. XXXX researched my account and found no evidence of any fraud. I call XXXX Bluebird customer service back and told them the finding. The customer service representative stated I had to call corporate office, but I couldnt get the number. I had money on my card. I just want my money returned to me. I do not want anything to do with Bluebird services. I had been a customer with them for 7 years and never had any problems.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXXXXXX {$9500.00} XX/XX/XXXX XX/XX/XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XX/XX/XXXX XXXX {$2500.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} -- / -- XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$290.00} -- / -- NOT PROVIDED XXXX {$75.00} -- / -- 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

Can not make statements of wrongful reports by PennyMac to transunion about severe delinquency due to COVID 19 DISASTER LOSS. PennyMac is in default. I am currently and have been in the past on COVID Relief not delinquent.