davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (VA)

I received a phone call on XX/XX/XXXX from XXXX XXXX with Transworld systems stating that I owed over {$22000.00} to XXXX XXXX XXXX also known as XXXX XXXX. XXXX states the paperwork came across her desk on XX/XX/XXXX. I requested her to verify debt with sending me the original note and loan and she stated that she was sending information to my email. I provided her with my email address to send original documents. XXXX advised me that she would give me until Monday to come up with some type of payment as she was going to follow up on Monday XX/XX/XXXX. She also stated that I was previously making payments back in XXXX when i originated the loans which is totally incorrect. I never made payments on the loans. The loan in the amount of {$12000.00} was charge doff and my grandmother before she passed paid it in full because XXXX threatened that they would garnish my grandmothers social security. I then found out that the company that provided the loans which they mailed me checks that did not list the college that i was attending filed bankruptcy Chapter XXXX in XXXX as well. XXXX was aware that i filed chapter XXXX bankruptcy XX/XX/XXXX and advised me that i am now responsible for the debt that was not XXXX in chapter XXXX. I requested numerous times to verify the validity of the debt. I have yet to receive anything that verifies i owe the debt, that transworld owns the loan and the right to collect on the loan or the amount of money that transworld claims I owe is the correct amount due.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MEDCAH, Inc. (HI)

I received this collection debt saying I owe {$130.00} including penalty fees. I says that the creditor is from an electric company. I did not open a account with an electric company. I have been a victim of identity theft in the past ever since I entered my personal information on the internet and did not have virus protection on my computer.
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I disputed this item on my credit report and it was verified. I then contacted Kohl 's to dispute the account which I am allowed to do per the Fair Credit Reporting Act and Fair Credit Billing Act. I sent them a dispute letter on XXXX XXXX and on XXXX XXXX they wrote back and said they ca n't verify the account because they no longer have the credit card application.
Consumer complaint received 2023-01-28
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: ID Analytics, Inc. (OK)

in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NJ)

Persons in charge, This complaint is in regards to a collection that has been reporting on my credit report from XXXX. I have contacted the Collection Agency in effort to rectify this debt and they refuse to resolve it by providing proof that this account is mine. 

On XX/XX/2018, I sent a validation and verification letter requesting original contract, original signature and payment history. In response, they sent me an itemized telephone bill. The proof they sent to me isnt satisfactory proof. Under the FDCPA, if the collection agency doesnt validate a debt, then they can no longer collect the payment and they are required to stop contacting me and remove the debt.
Consumer complaint received 2017-08-31
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. (MA)

Equifax is ( for the second year in a row ) refusing to provide me with my Annual Credit Report under the FACT Act. I receive the error message " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' They can not identify that error, nor tell me what can be done to resolve it. 

I filed complaints about this last year as well and continue to have the same troubles this year.
Consumer complaint received 2020-11-16
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: EQUIFAX, INC. (NY)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

HELOC was first financed by Countrywide Bank. HELOC was transferred to Bank of America. The last payment paid I made on this loan was XX/XX/XXXX. In XX/XX/XXXX Bank of America began foreclosure proceedings on my house due to this debt. During that time I was in XXXX XXXX recovering from XXXX XXXX. My mental abilities were chalk during this time. When I returned home and learned of these foreclosure actions I contacted Bank of America to avoid losing my home. This debt was discharged in my bankruptcy XXXX. They put me on a COVID Forbearance from XX/XX/XXXX to XX/XX/XXXX. They are now requiring me to repay them or they will foreclose on my house. Due to Statute of Limitations laws in Georgia, this loan is considered Time-barred. Bank of America insists I owe them this loan and if I dont do a loan modification by XX/XX/XXXX, they will begin foreclosure proceedings. I believe that they acting illegally to collect this debt. You assistance in this matter is appreciated. 
XXXX XXXX.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (PA)

I was charged late fees for the month of XX/XX/XXXX and XX/XX/XXXX however the bills for XX/XX/XXXX and XX/XX/XXXX were not sent to me because the address was wrong and when I spoke to the cardholder representative they said yes the bills were returned to them. Therefore I had no bill that I could pay an amount for because I never received a bill. I thought that the reason I wasnt getting bills in the first place was because of the Covid situation possibly and I was just waiting for a bill. When I missed a payment in XX/XX/XXXX they reported it to the credit bureau because they have some sort of policy after 33 days they report to the credit bureau. My issue is I never received a bill to pay. When I did get a response from the Card company I spoke to a representative and pay late fees and outstanding bill of {$50.00} and change immediately. I asked the card company if they could delete the mistake due to the wrong address and they told me it wasnt their department and told me goodbye and have a good day! Im looking to solve the situation because my credit score has lost 50 points or more and Ive never missed a payment on any of my cards for the past 30 some years.
Consumer complaint received 2023-01-28
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (PA)

In XX/XX/2018 I filed a diaper against merchant XXXX for {$110.00}. XXXX 's was charged back on XX/XX/2018 which they claim they sent the funds back via charge back. It if now XX/XX/2018 and American Express Serve disputes team can not find the funds and they keep asking me for the same documents I've provided them over and over again with via email. Which I have confirmation saying those documents were received. Today I called checking status once again, speaking with disputes supervisor promised find would be credited to my account today and that the dispute was filed under wrong label. Always a different story. 
Calling later that day funds went posted to my account I was told, still investigating due to insufficient documents. That's ridiculous
Consumer complaint received 2021-07-17
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: EQUIFAX, INC. (CA)

I want XXXX XXXX and Equifax to fix this problem and restore this good standing credit line to my XXXX Equifax only XXXX credit file. I have made all my payments on time and all they would need to do is CALL EQUIFAX and figure out the problem. I have since been denied a credit limit increase on this XXXX  XXXX account and feel that the denial was a direct result of the account missing from my Equifax credit file, XXXX Attachment 1, XXXX XXXX letter, XX/XX/XXXX XXXX. 

On XX/XX/XXXX while monitoring my Equifax credit report, it was reported that Equifax added a remark to the XXXX XXXX tradeline. The remark said, " Consumer disputes, reinvestigation in progress, '' ( Attachment 2, Equifax Credit report, XX/XX/XXXX ). This account was opened on XX/XX/XXXX and I have never disputed the account, ( Attachment XXXX, XXXX XXXX credit card statement, XX/XX/XXXX ). 

On XX/XX/XXXX, while monitoring my Equifax credit report, the XXXX XXXX tradeline was completely removed from my Equifax credit report. I contacted XXXX XXXX and they had no knowledge of the account being removed and they were still reporting it to all three credit reporting companies. I told them that it was only Equifax that removed the tradeline. They told me to contact Equifax. 

On XX/XX/XXXX I sent a letter to Equifax asking them to investigate the account and explain the reason they had for removing the account from my Equifax credit file. In my letter I also told them I had never disputed this account. The only response I received from Equifax was Dispute Results. The results state that XXXX  XXXX is NOT being reported to my Equifax credit file, XXXX Attachment 4, Equifax Results for Dispute # XXXX, XX/XX/XXXX XXXX. 

In XXXX, XXXX, I forwarded the Equifax dispute results to XXXX XXXX along with a letter asking them to fix this problem and restore the tradeline to my Equifax credit report. They replied with a letter that confirmed the account is being reported to my Equifax credit file, ( Attachment 5, XXXX XXXX letter, XX/XX/XXXX ). 

XXXX XXXX and Equifax are giving me the run around. Please fix this problem and restore this tradeline to my XXXX Equifax only XXXX credit file. I have made all my payments on time. XXXX XXXX PLEASE CALL EQUIFAX and fix this problem.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Trident Asset Management, L.L.C. (FL)

I responded to a letter sent by XXXX XXXX XXXX on XX/XX/2020. I specifically requested to receive the original instrument of validity that would prove that I entered into an contractual agreement with XXXX XXXX XXXX. I ask them to respond within 30 days from the date of the letter. I had to send another letter on XX/XX/2020 because I was sent an email by XXXX XXXX XXXX about an account but I never received any mailings from either one of these companies concerning my original request. The letter dated for XX/XX/2020, I specifically asked again to receive the original instrument of validity in order to prove their claim for collecting on a debt for which they provided no substantial evidence for. On XX/XX/2020, I received email alerts from XX/XX/XXXX XX/XX/XXXX XXXX and XX/XX/XXXX all saying I have a new collection account being reported on my credit file and the account in questioning is Trident Asset Management they reported information to my credit file on XX/XX/2020 that was inaccurate and in direct violation of both the Fair Credit Reporting Act and the Fair Debt Collections Practice Act. Upon filing this complaint I found out that XXXX XXXX XXXX is a passive debt buyer who has stated on numerous complaints that they don't collect directly from consumers but Trident Asset Management does.
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Purchased home in XX/XX/XXXX for $ XXXX. We put down approximately $ 47k,  leaving us with a loan of $ XXXX, {$2800.00} a month. In, XX/XX/XXXX I fell sick and was diagnosis with XXXX XXXX XXXX XXXXXXXX ( XXXX ), ( XXXX XXXX ). This cause me to go out on temporary State XXXX, which at time my income dropped sufficiently ( 65 % of my regular income ) ultimately causing me to fall behind on my mortgage. I support my wife & our XXXXY old son. After multiple attempts with Wells Fargo & Keep Your Home California both have continued to deny my attempts for mortgage assistance. In XX/XX/XXXX I was forced to return to work full-time in an attempt to avoid foreclosure, even though I still must maintain XXXX XXXX every other day ( 4-hour XXXX ). I am sending what I can afford when I can afford. I am XXXXY old  with XXXX & trying everything I can possibly do to keep our home, the approximate value of my home is $ XXXX, so I have equity however, due to my bills falling in arrears I can not qualify for a loan. Wells last response was I should consider a, " short sale ''. HuH!?! what exactly are these " programs '' out there to " help '' consumers avoid foreclosure? How does one qualify for assistance??
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION (FL)

I have a XXXX card with XXXX XXXX. I paid my account on time and I also linked my bank account to my account. They suspected fraud on my account I called and verify myself no answer spoke to customer service rep they told me they was waiting for my payment to post, my payment posted ( XXXX XX/XX/2018 XXXX XXXX XXXX ( ending with XXXX ) Online Payment $ XXXX ). They told me they will forward it to so many departments. They block my card, I have no access to my card and I have to make biweekly payments to them. The fraud dept told the customer rep to black list me because of fraud. I applied for this card and had this card for over two months and paid on time and out of air the fraud department said I am a fraudelent person.
Consumer complaint received 2023-01-28
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. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/XXXX Late Charges, {$160.00} Since XXXX, been charged late fees, we pay our mortgage bill on time Our Mortgage is under Bank of America, for almost a year now the Bank have been charging us fees and late fees but we pay our monthly payments on time. When we try to address the issue with the bank, they keep saying they will get back but never and when we call we get officers behaving like telemarketers and dont help but keep you on the phone until you gave up and the charges continue to be posted in out monthly bill.

Please assist us to settle this grave issue which is affecting us especially at this COVID 19 time with very limited resources. 

Your Humble XXXX Thank you
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAB Receivables, Inc. (NY)

Company states they can get you a 0 % credit card. The recording states press 3 to have the calling stop. Which I have done a number of time with no success. I have spoken to a representative and told them to stop with no success.
Consumer complaint received 2020-09-14
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. (SC)

I have been a victim of Identity Theft since 2012 and I have finally found out who the perpetrators are because they decided to impersonate me on social media and I had family and friends communicate with them to figure out who they truly were. They have opened numerous accounts in my name that were unauthorized and stole information about me from online sources ( I have since opted out of most ). The only issue is the Credit Bureaus are not blocking and deleting the information even though I have provided them all the necessary documentation, also per the FCRA they are supposed to block identity theft disputes from the credit report 4 after after the reports were received. They have not helped me out with this at all. I have a lawyer and I am doing everything he has advised me to do and the Credit Bureaus are still not complying.
Consumer complaint received 2018-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/XXXX I contacted Ally bank regarding an unauthorized transaction on my debit card in the amount of {$190.00} which has posted on my checking account on XX/XX/XXXX. I advised Ally to close my debit card as this charge was not authorized by me. Ally issued provisional credit on XX/XX/XXXX for the dispute case XXXX for {$190.00}. It was several months before I heard anything and thought this case was closed. On XX/XX/XXXX Ally reversed the provisional credit and sent me a letter indicating the reversal date but no explanation as to why I am liable for unauthorized charge on my account. I tried to get in contact with customer service asking to reopen this claim. My last attempt was just today on XX/XX/XXXX but the supervisor indicated after an extensive hold time that she was not able to locate the dispute. This frankly make me very concerned as I have a large sums of money with Ally bank and the way they treat their customers. I don't feel my money is safe if they are siding with unauthorized transactions on their customer 's accounts without even providing reason for their decision. I am very skeptical about their debit card use and even having one open at this time.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

I applied for a checking and savings account. Additional information was requested to process my application and I never provided that information and never signed anything and never made any deposits. I called and requested my application be cancelled. I was told it was cancelled. 2 months later I receive a letter in the mail stating {$59.00} overdraft fees. I called 2 weeks ago and was told the fees were waived and my accounts were closed. 

I have not received any confirmation about account closure.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$17000.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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. 

Here are the accts I have question about : XXXX XXXX XXXX XXXX