davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I opened Bank of America Credit ( BoA ) with a limit of {$28000.00}. 
On or about XX/XX/XXXX, I purchased ( i.e., signed a contract/invoice attached-this was cabinet purchase only without installation ) kitchen cabinets from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX, XXXX : XXXX ) with Total Amount of {$16000.00} ( See the I ) ; the XXXX made two separate equal transactions of {$8600.00} on XXXXwhen purchased & XX/XX/XXXX of XXXX-one delivery. The Delivery Date was supposed be XX/XX/XXXX ; however, the delivery was completed more than two months later. 
On or about XX/XX/XXXX, my BoA credit card Balance was {$27000.00} XXXX almost maxed out of {$28000.00} limit ) ; however, XXXX XXXX made an UNAUTHORIZED CHARGE of {$5300.00}. 
Between XX/XX/XXXX & XX/XX/XXXX, DLeon Kitchen made repeated UNAUTHORIZED CHARGES ( {$8600.00} & {$5700.00}, respectively ). 
On or about XX/XX/XXXX, I filed dispute with the BoA ; Firstly, I disputed with the BoA, the UNAUTHORIZED CHARGES OF {$5300.00} ; more importantly, the BOA went over the authorized limit without my consent. 
Lastly, I disputed with the Boa, the UNAUTHORIZED CHAREGES OF {$8600.00} & XXXX ( i.e., I only signed and purchased on one contract for the cabinets, no other purchases were made after XX/XX/XXXX ). 
On or about XX/XX/XXXX, the BoA simply denied my requests, without a reasonable explanation, with reasons- the charges were authorized! This is completely incorrect! I firmly believe that the BoA made erroneous decision based on what appears to be easier on them rather than what is the Correct/Right decision. 
Please properly investigate and help me with the BoA unfair & illegal practice. 
Thanks,
Consumer complaint received 2020-07-20
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. (IN)

Someone in XXXX and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 

My correct address is XXXX XXXX XXXX XXXX, IN XXXX My name is XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2018-06-30
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: Midwest Recovery Systems (GA)

On XX/XX/XXXX, a derogatory remark from Midwest Recovery Systems in the amount of {$1500.00} was reported on all 3 of my credit reports. XX/XX/XXXX, I sent in a debt validation letter to them. Midwest Recovery Systems received my letter on XX/XX/XXXX. I didn't receive a response from them by XX/XX/XXXX. XX/XX/XXXX, I sent in a follow-up letter stating since they failed to validate the debt within 30 days to remove it from my reports as a courtesy.
Consumer complaint received 2017-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

Afni, Inc, keeps sending me collection notices saying that I owe them {$520.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Afni, Inc, keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked Afni, Inc for a contract with my signature obligating me to this debt which they have not provided.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 and XX/XX/2021 I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-11-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (TX)

A representative called my house, my cell, and texted me in a matter of 20 at least 3-4 times, and then they proceeded to call my employer and misrepresent themselves as an employer for the XXXX Sherriff Department , they talked to three different people about a past debt, to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX now my employment is up for review, and I look like a criminal to my employers. In a time where we are dealing with a pandemic, I suffered a XXXX XXXX, which cause me to visit the E.R. and my character was defamed and defiled, by a debt collector who was abrasive, and lying about his/her position, and what they were doing. This debt is old, and should be charged off, but keep being resold for the purpose of embarrassing and harassing past clients. This is unwarranted and unlawful behavior, and will my attorney has been called and will also be reaching out out, no case numbers were left, only to say they are coming either to my house or my place of employment.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NC)

Our second mortgage was discharged in a bankruptcy and the company Shellpoint Mortgage Serving also " wrote off '' the debt. We are requesting a letter from them stating this has been discharged so are insurance company does not require checks to be sent to them as they have cashed it and left us without funds.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

From XX/XX/XXXX to XX/XX/XXXX I was in the custody of the XXXX XXXX XXXX. I was incarcerated in XXXX California. During this time, unknown persons tried to and have obtained credit using my information. An XXXX XXXX credit card was opened and a XXXX was purchased. I have already spoken to both companies, XXXX XXXX and XXXX regarding this and they are working with me to resolve the matter. When I was released from prison I filed a police report on XX/XX/XXXX after discovering the issue. I then proceeded to contact the 3 credit bureaus and sent in a letter explaining what had happened and to please assist me in removing these items from my credit report. I received a letter from Equifax stating they did an investigation and found the items to be mine, even after I sent them my police report, FTC report, and a copy of my intake and release documents from the XXXX XXXX XXXX.
Consumer complaint received 2021-07-15
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. (FL)

Hello, Please I want to be supported as I do not know what to do anymore .... I figured out accounts that are not mine. Is kind of Identity theft or I do not know how to explain them. I do not know these accounts ...., Please help me to figure our why I have them in my profile and if you can check my profile and investigate my situation. I would like them to be removed.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Collections U.S.A., L.L.C. (FL)

Ive noticed multiple reporting every week for the same account from Credit Collections USA. I called to inquire debt on XX/XX/2021 and asked them to remove the reporting errors since they reported the same debt multiple times. They refused to remove the errors and I advised I would seek consultation. I attempted to contact again the same day in attempts to speak to someone else to resolve, and an agent hung up on me when I asked if their calls were recorded. I called again and they advised they could not speak to me, even though I have no legal representation. I again asked if their calls are recorded and they told me no. 

My issue is the reporting multiple times within the same month for a debt totaling {$160.00}. They are within violation of FDCPA in reporting the same debt multiple times on a weekly basis. 

I request intervention to investigate this issue and seek resolution in their error and for all reporting to be removed. It is a small debt I was unaware of and will certainly pay. However, it has hit my credit EVERY week causing far more damage. 

Kindly investigate this issue with Credit Collections USA. # XXXX
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

I had a mortgage payment of {$1600.00} on XX/XX/19. I talked to my single point of contact, XXXX XXXX, and told her we were short but could make a partial payment and would make up the rest when we could. We went ahead and made a payment of {$1200.00}. We also later made a payment of {$75.00}. 

Going forward I went ahead and continued making payments for the loan due XX/XX/19, XX/XX/19 etc. It turns out that Shellpoint took the money I paid for XXXX and instead of applying it to the loan they posted it to an unapplied account. As I continued to make payments every month they would apply to the previous month and report it as late. 

They continued to do this until the fall and then initiated foreclosure proceedings, over {$290.00}. When I received the foreclosure notice they said all I had to do was pay the {$290.00} and the account would be current, which I did. But they reported 9 late payments to the Credit Bureaus. Nine. This has destroyed my credit rating. 

I have tried to resolve this with Shellpoint and have this removed from my credit reports. They have refused. I said they should have just told me that all I had to do was pay the {$290.00} and it would be resolved. They said they sent me a letter in XXXX but I received no such letter. They said they called about it. I can tell you this. We have an invalid daughter at home. She did say that Shellpoint would call 8-9 times per day but never leave a nessage. I have confirmed this through phone records, that Shellpoint was calling a land line 8-9 times a day, which by the way is considered harassment in the state of California.
Consumer complaint received 2018-06-30
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. (GA)

XXXX XXXX XXXX continuously failed to report payments made on time to Equifax, however they will promptly report a late payment. 

This is the second time I have had this issue with them. 

They either need to report monthly or remove my account from the credit bureaus
Consumer complaint received 2021-11-03
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. (MI)

On XX/XX/2021, I received an email from XXXX XXXX XXXX XXXX. with the subject line " Important XXXX XXXX XXXX XXXX Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. 

After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation.
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: All State Credit Bureau, Inc. (MI)

Paid debt in XX/XX/XXXX to companies alleged debt. No reporting to the credit bureaus had occured at that time and the old account had a XXXX balance. Comoany has now reported debt on XX/XX/XXXX as a new unpaid debt do the same account which is untrue.
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: EQUIFAX, INC. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXXXXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/2016 and a balance of {$2100.00}. 

It is to my understanding that this account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Lendmark Financial Services (NC)

Lendmark financial calls me EVERY day, and twice on most days. I have never been more than 24 days late. I receive letters in the mail, constantly but because of the calls I have had to block their number and now they call from a private line that I can not block. This is infuriating!
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters are constantly placing calls to my employer to contact me despite being told via a written " cease '' request, with fax confirmation receipt on XX/XX/XXXX, to stop. I informed them on XX/XX/XXXX in writing that I could lose my job for too many personal calls or calls such as these. However, their calls continue. The National Credit Adjusters are calling from is XXXX and the persons calling my place of employment are : XXXX XXXX, ext XXXX, made multiple calls to my employer. The last one was on XX/XX/XXXX ; and XXXX XXXX, ext. XXXX made multiple calls to my employer. The last one XX/XX/XXXX.
Consumer complaint received 2016-03-16
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MO)

A CD account was opened with XXXX bank in 1996. This bank was subsequently acquired by XXXX XXXX and then Wells Fargo. I am trying to recover these assets but Wells Fargo claims to not have the account or proceeds. I have also checked with the state of Missouri unclaimed accounts division but they have no assets for these account holders.
Consumer complaint received 2015-10-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Big Picture Loans, LLC (TN)

I had to close my bank account due to fraud commited. I contacted the payday loan company to advise them of my situation and to offer a settlement to close my account. I have attached the supporting email. I have never been contacted back by this company. I received a phone call today from a collections agency, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, New York XXXX Tel : XXXX XXXXXXXXXXXX stating they are going to serve me papers on XXXX/XXXX/2015. I attempted to contact the XXXX company with no response.
Consumer complaint received 2016-07-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (VA)

I took out a loan of {$800.00} with the Big picture loan people and was not made aware that the interest was to be 774.350 % .. At this time, I 've made XXXX payments of {$280.00}. At this rate, the payments I would need to make would result in a total of {$6800.00} for an {$800.00} loan.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION (MO)

I am contacting Navy Federal and informed them that the information that they are reporting is unlawful. I asked them to remove. It is not my account nothing was done.

NAVY FEDERAL CR UN COLLECTION/CHARGEOFF Personal Loans {$220.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$220.00} Account Details Account Type Secured loan Responsibility Individual Original Loan Amount {$1400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$220.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX, VA XXXX Remarks Charged off as bad debt. Dispute resolved ; customer disagrees.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP (OH)

I applied for line of credit and credit card with Keybank on XXXX XXXX. Pursuant to Federal Reserve Act XXXX states that my application was the collateral that was fully guaranteed. I had a XXXX credit score, when I applied. They never gave me full disclosure pursuant to 15 U.S. Code 1631 - Disclosure requirements that they was trading my security that I funded with me extending my credit due to TILA ( Truth in lending ). This matter has caused great harm, loss, and defamation of character. I have contacted the IRS XXXX, FTC, XXXX XXXX XXXX, due to this matter. Once I retrieve my audit I will have several options either they open my accounts or Im XXXX to all federal authorities. I will also use the audit to go to Federal Court since TILA is the proper jurisdiction or go to XXXX XXXX in Delaware. Cause me giving that note life equity is involved in this matter.
Consumer complaint received 2021-03-02
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. (TX)

In the beginning of XXXX I lost my job due to the COVID situation. I emailed XXXX  XXXX explaining my dilemma. Shenmae a representative from XXXX  XXXX informed me that if I was impacted by COVID-19, we can extend your payment dates up to 60 days from your originally scheduled payment date. These payments will be reported as on time to the credit bureaus and will not accrue any a late fees. 
Things to consider : If your payments are already past our standard 29-day grace period, we will give you an additional 60 days to avoid any further damage to your credit report. However, please be aware that your current past-due status will still apply. 

You can always reach back out to us after the 60-day window if you still find yourself impacted by COVID-19. 

I made my first payment on XX/XX/XXXX, then on XX/XX/XXXX I reached out to XXXX  XXXX regarding my first payment and why my payment wasn't being accepted. My checking account and debit account was entered correctly, so there shouldn't have been any reason why my payment wasn't processed. And I never received a follow up regarding this matter. 
Every weeks XXXX  XXXX would automatically draft out my payment but for some reason their system would always reject my payment. Then I got laid off from my job in XXXX. I asked them if there's any help that I can get, and thats when they told me since I was in a 29 day grace period they will give me an additional 60 days.