davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC (NY)

Asset Recovery Solutions has called my parents home : XX/XX/2018 Asset Recovery Solutions has called my job : XX/XX/2018 XX/XX/2018 XX/XX/2018 Asset Recovery Solutions has called my cell phone : XX/XX/2018 XX/XX/2018 XX/XX/2018 2018
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

My first complaint regarding my short sale that has been going on since XX/XX/XXXX, still has not been resolved. The file has repeatedly been sent back to the same departments time after time for 3 years. I have delivered every document in a timely fashion as requested. Now I am on my 3rd extension with the IRS to release their lien, which by the way will expire on XX/XX/XXXX. Which I also placed Wells Fargo on notice. Wells Fargo forced my Client to complete a full blown appraisal, XX/XX/XXXX, at her expense, now I am told a new Price Opinion needs completed, then the file gets moved to Cash Flow review, then from there it goes to a negotiator. This is beyond professional, there is no way these repeated events have assisted my Client in attempting to do the right thing, and continue to maintain the property, and keep the home from Foreclosure. With this being said, financial documents will expired, and the process will start all over again. There has to be an individual who can step in and get the job done. Instead of passing the file to these individuals whom ca n't seem to recognize what a deadline is after years of frustration, I keep getting the same answers.
Consumer complaint received 2018-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IA)

Complaint from XXXX XXXX XXXX XXXX [ XXXX  ] ( a subsidiary of Citizens Bank , National Association - Primary Regulator OCC, Secondary Regulatory - CFPB ) On XX/XX/18, I sent in my correspondence with XXXX to cancel PMI due to my balance being below 80 % and having no past due payments. 

On XX/XX/18, XXXX indicating I would either need to get an appraisal or broker price opinion to ensure the value of my house has not decreased and ; therefore, confirming the loan-to-value is indeed below 80 %. 

I promptly sent in my check for the broker price opinion ; however, I have yet to hear back from XXXX. It is now XX/XX/18. 

If I hear back from the bank soon, I will still need the broker price opinion completed and sent to the bank and confirmed that the value has not decreased. I estimate that will probably take another month before that is completed. 

I now have had 2 months of payment PMI when I have had my loan-to-value below 80 %. I think the bank is not compliant with the Homeowners Protection Act.
Consumer complaint received 2018-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The majority of the loan payment is being paid toward the interest, which does not prevent me from paying down the principal itself. That in turn, causes the payments to be above {$6000.00} over the principal loan. In addition, they are charging {$20.00} for " additional interest. ''
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TX)

Upon opening the account, the advertised sign up bonus was {$100.00} after opening with a {$100.00} initial deposit.

I have not received the bonus funds, and have not received a response by email from the company. When attempting to call the company, the line goes to voicemail and the calls are not returned.
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2016, I was notified by email from Experian Credit Monitoring Service that XXXX has reported to the credit bureau ( s ) an alleged debt collection account in the amount of {$63.00}. My records show this alleged debt collection account reported by XXXX XXXX in the amount of {$63.00} to be incorrect. I have attempted to dispute the information by using the online dispute services I am paying for with Experian Monitoring Service, but Experian Monitoring Service has disabled my ability to do so. Attachments to this online complaint submission is a copy of the information in my Experian Credit Monitoring Service account, along with a copy of the notification from Experian Credit Monitoring Service stating I am not allowed to use the online dispute service, a feature in which I am paying for monthly with this credit reporting service.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (UT)

I have XXXX paid medical bills showing on my credit report. My understanding is as of XX/XX/2015 paid medical bills should be removed. I have called the creditor, they have no clue about the new rules.. I have called the Credit Bureau/I have disputed with the credit bureau and told I was told they have NO IDEA about the new guidelines : XXXXSome changes are retroactive. For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. That likely will immediately improve a consumer 's credit scores, although by how much can vary widely, XXXX said. 


XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this statement is being generated by me. The accounts mentioned in this report should not be reporting on my accounts as they violate the federal credit reporting act according to 15 US code 1681-B permissible purposes of Consumer Reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the written instruction of the consumer to whom it relates. I never gave these consumer reporting agencies my written or verbal consent nor instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No consent is identity theft. As a federally protected consumer, I am demanding the deletion of these listed accounts immediately. 

Additional Unauthorized Hard Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

LACING MY REPORT WITH FALS ENTRIES>illegal-FCRAXX/XX/XXXX 1. On XX/XX/XXXX, I received my XXXX XXXX   XXXX XXXX Report for my car insurance. I am doing a re-rate next month with XXXX XXXX XXXX XXXX. I do not have home insurance.

On XX/XX/XXXX, I called XXXX XXXX twice-to dispute the items on my Reported Claim History For RISK. Attached, is the item on page 1, in the middle of the page. ( car insurance ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( fire and casualty ) for cause of loss WIND/C-amount paid {$3800.00} at the address of XXXX XXXX XXXX XXXX XXXX XXXX ( wrong address ), XXXX, AZ XXXX. False information-DELETE! -FCRA I disputed this- for my personal address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX . It is a mailbox at XXXX.

There is no space for wind damage in my tiny mailbox for {$3800.00} as I informed XXXX XXXX.

2. On page one, I disputed- at the top, " RECAP '' Risk 1 Claim Reported. Delete at once! Not mine. FCRA 3. On page 2, XXXX XXXX and EXPERIAN have NOT updated my payment information on XXXX XXXX report. FCRA XXXX XXXX ( last activity-XX/XX/XXXX ) I pay every month on time and its XX/XX/XXXX. That's 7 months of unrecorded monthly payments. FCRA Credit Acceptance ( last activityXX/XX/XXXX ). I pay every month on time and its XX/XX/XXXX. That's 6 months of unrecorded monthly payments. FCRA 3. On page 3, XXXX XXXX must remove " revolving accounts past due {$2900.00} ''. Remove entire entry for it is not mine and false information. FCRA Remove 18 entries for inquires on the same day- XX/XX/XXXX Remove 2 entries for XXXX XXXX XXXX XXXX on XX/XX/XXXX.

LACING MY XXXX XXXX and CREDIT REPORTS WITH FALSE ENTRIES -- VIOLATIONS-FCRA.
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

THE FCRA asserts my right to fair, accurate and complete reporting of information by EXPERIAN and their furnishers.EXPERIAN TODAY THROUGH CLEAR AND CONVINCING EVIDENCE ATTATCHED HERE, INTENTIONALLY AND KNOWINGLY WILL NOT FOLLOW THE REQUIREMENTS OF FCRA REPORTING REGARDING ACCURATE AND COMPLETE REPORTING. 
The first XXXX XXXX account,XXXX is attatched.The report today does not include a DOFD, date of first delinquency ... .experian 's fall-off date is inaccurate and only an estimate of a DOFD ... THE DOFD EXISTED ON XXXX XXXX ( XXXX XXXX REPORT ATTATCHED ) ... IT HAS BEEN REMOVED IN THE ABOVE INVESTIGATION I HAVE ATTATCHED THE VIOLATION STATUTES REGARDING THE DOFD. 
I HAVE ATTATCHED A LETTER FROM XXXX ASKING FOR SPECIFICITY IN CREDIT INVESTIGATION ... .I HAVE DONE SO.
Consumer complaint received 2018-08-06
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. (MD)

Hello Im a XXXX XXXX and I have illegal stuuf on my credit. Im a resident here and trying to do the right thing. MY social is a govermnet number that was given to me Please help protect me. You can XXXX   me Im a real honest person I would never mess up my credit I cant Im struggling for my citizenship. This is wrong. How can someone do this. Please help remove these 4 accounts thats not mines. Godbless XXXX XXXX XXXX XXXX XXXX  XXXX Reported : XX/XX/2018 {$5000.00} Needs Attention XXXX XXXX Reported : XX/XX/2018 {$1900.00} Closed XXXX XXXX XXXX  Reported : XX/XX/2018 {$16000.00} Closed XXXX XXXX XXXX XXXX  Reported : XX/XX/2018 {$20000.00} Closed
Consumer complaint received 2018-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello Im a XXXX XXXX and I have illegal stuuf on my credit. Im a resident here and trying to do the right thing. MY social is a govermnet number that was given to me Please help protect me. You can XXXX   me Im a real honest person I would never mess up my credit I cant Im struggling for my citizenship. This is wrong. How can someone do this. Please help remove these 4 accounts thats not mines. Godbless XXXX XXXX XXXX XXXX XXXX  XXXX Reported : XX/XX/2018 {$5000.00} Needs Attention XXXX XXXX Reported : XX/XX/2018 {$1900.00} Closed XXXX XXXX XXXX  Reported : XX/XX/2018 {$16000.00} Closed XXXX  XXXX XXXX XXXX Reported : XX/XX/2018 {$20000.00} XXXX
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

Since 2012, I have disputed XXXX Creditors on my Credit File ( all XXXX Credit Bureaus ). Also, I have disputed directly with the Creditors reporting incorrect reporting as not being mine. Whenever I call the Creditors directly, the file in question does not match with my SSN. I have tried everything possible within the rule of laws without any resolution. Please help and advise. Thanks!
Consumer complaint received 2020-07-31
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. (FL)

AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE TO SOMEONE USING MY IDENTITY. AS I AM TRYINGB TO GET THAT TAKEN CAR OF, I DECIDED TO GET MY CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS AN UNKNOWN ACCOUNT THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Hello Im a XXXX XXXX  and I have illegal stuuf on my credit. Im a resident here and trying to do the right thing. MY social is a govermnet number that was given to me Please help protect me. You can XXXX   me Im a real honest person I would never mess up my credit I cant Im struggling for my citizenship. This is wrong. How can someone do this. Please help remove these 4 accounts thats not mines. XXXX CREDIT CARDS XXXX XXXX XXXX XXXX Reported : XX/XX/2018 {$5000.00} Needs Attention XXXX XXXX Reported : XX/XX/2018 {$1900.00} Closed XXXX XXXX XXXX   Reported : XX/XX/2018 {$16000.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/2018 {$20000.00} Closed
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was contacted through XXXX  app regarding work at XXXX XXXX XXXX  position .I was requested to download the XXXX app because that what job requested for communication, a check was sent for XXXX but wont be clear until XX/XX/XXXX XXXX.Than on XX/XX/2018 for XXXX and I deposit to my bank acc that same day to me so I could purchase XXXX gift card and send pictures of the gift cards that will purchase the system I will need I connected to hangout regarding this and they to speak to supervisor and they reassured its common practice so I did what I was told too.But than by XX/XX/2018 my bank account was close because XXXX check didn't clear out and now I had pay the money back to the bank.I call back the supervisor phone number no response than contacted on XXXX I was block that's when I knew it was all fraud.
Consumer complaint received 2018-08-06
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: On-Site Manager, Inc. (NJ)

I have three hard inquires one is from On-site Manager Inquiry from XX/XX/XXXX, I never heard of them before. As well as I never applied for anything in XX/XX/XXXX. That's false identity and consent. Secondly, I have two hard inquiries from XXXX XXXX Bank Usa Inquiry from XXXX XXXX, XXXX and XX/XX/XXXX. On XXXX XXXX they had advertised credit card base off your credit score. Around that time, they had offer XXXX XXXX and it stated free credit check, no hard inquire for applying. I had applied not knowing it would affect me later on, until I saw it on my credit report. I have tried to dispute this case but no action has been taking place.
Consumer complaint received 2018-08-06
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: Nelnet, Inc. (VA)

I received a letter back from XXXX XXXX Fraud Aversion indicating that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from XXXX XXXX.
Consumer complaint received 2018-08-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I have an XXXX  that holds an investment property. I took a loan on this investment property in the 3rd quarter of XXXX. The original lender sold the loan and its servicing rights to XXXX XXXX. Since that moment in time, I started having issues with their online portal as well as customer service. 

I experienced recurring issues with late fees due to lack of proper communication and system portal issues. I called customer service on XX/XX/XXXX to remove a late charge that they imposed on me. I made the loan payment plus the late charge. They cancelled my payment in order to clear the late charge but then they told me that I never made another payment. It feels like words are lost in translation and either I don't understand what they want or perhaps they don't understand what they want. I kept telling them that I need my late fees removed when suddenly i am getting additional late fees imposed on me. I asked to speak to a supervisor and they transferred me to a lady by the name XXXX XXXX. She did not want to help and was pretty rude over the phone. 
All in all, I feel that this lender is supposed to provide proper loan servicing services but instead they treat customers like they are trash. It is a very unpleasant experience. I look forward to refinance my loan asap just to avoid dealing with this company.
Consumer complaint received 2022-03-08
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. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX Balance {$73000.00} XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX {$16000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX Amount - CHAPTER XXXX BANKRUPTCY FILING XXXX Amount XXXX XXXX  Balance {$1500.00} Chapter XXXX Bankruptcy : Bankruptcy XXXX Amount Chapter XXXX Bankruptcy : Bankruptcy XXXX Amount
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I paid full amount {$190.00} owed to credit card and every since then I have attempted to close account and get my XXXX dollar deposit back from Capital One. They have refused and have sent two statement cycles but no deposit check. I don't want to do any business with them, just want my money refunded. This is despicable.
Consumer complaint received 2018-08-06
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. (FL)

XXXX and Equifax have failed to remove all the fraudulent inquiries and accounts from my credit file. I have explained to them how I am a victim of identity theft and through my previous complaint with you, they failed to ignore my request of removing the inquiries that were put on fraudulently. These are the fraudulent inquiries that are currently on my credit file. They have not been removed or updated on my credit report. XXXX  claimed that they aren't showing up but when I pulled a current report ( XX/XX/2018 ), they still appear. A supervisor told me today that it would be updated by tonight ( XX/XX/18 ) but this needs to be blocked/removed immediately. You have received all of the theft reports but you continue to fail to follow the law and permanently block my information. The NEW Fraudulent account on my report is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. This account does not belong to me but yet they have added it to my account. Also, Equifax has the following collections on my account that I have an identity theft report : XXXX XXXX XXXX and XXXX XXXX XXXX. This needs to be removed as soon as possible. XXXX  you have been notified about the multiple inquiries on my report from : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please assist and remove.
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc. (FL)

Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

AMSHARE - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama XXXX