davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Bureaus, Inc. (CO)

First : I opened a credit account in the XXXX ( XXXX XXXX ) in XXXX, XXXX. 
Second : My last payment on this credit account was on XXXX XXXX, XXXX in XXXX, XXXX. 
Third : After my last payment I cant pay any more, because on XXXX XXXX, XXXX I lost my job and I had several health problems up date. 
Fourth : On XXXX XXXX I enrolled in a program of the XXXX ( XXXX XXXX XXXX ) to pay my all credit account, including my debt with XXXX XXXX. 
Fifth : The XXXX ( XXXX XXXX XXXX ) tried to sign an settlement with the XXXX Bank, but this Bank refused the proposals without any justification. 
Sixth : On XXXX I moved to the XXXX XXXX, and I live at XXXX XXXX, XXXX. 
Seventh : On XXXX XXXX,, XXXX the Bureaus Investment Group XXXX XXXX LLC filed a civil lawsuit ( Case XXXX XXXX ) against me in XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX, and this Company claimed the balance of this Account ( XXXX ), despite the XXXX of limitations has expired. 
Eight : In the XXXX XXXX the statue of limitations is 5 years after the last payment was made on the debt, and my last payment was made on XXXX XXXX, XXXX. ( State Law Title VII Chapter 95.11 ). And this  Company could claim this balance only before XXXX XXXX, XXXX. 
NIght : I never used this Credit Card in the XXXX  XXXX. 
Tenth ; Also, I received my Annual Credit Report of the XXXX, XXXX and XXXX under the Fair Credit Reporting Act, and in this report I cant find the debt complained for this lawsuit against me, because the time has expired for taking any legal action about this credit debt. 
Eleventh : For these state laws, the action of this Company is a fundamental illegality, because the Fair Debt Collection Practices prohibits collectors from taking an action ( Civil Lawsuit ) beyond the statute of limitations to collect a debt that they can not legally take.
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (MO)

I have this account that just appeared on my credit and I am not familiar with them or what this is for. I have tried to look this company up but there are a lot of listings here in XXXX XXXX for this business.
Consumer complaint received 2017-12-19
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: EQUIFAX, INC. (AL)

XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through XXXX. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.
Consumer complaint received 2020-09-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

The CRA did not verify the negative accounts of which this grievance pertains to. The FCRA states that anything reporting to the CRA has to be according to law verified not validated. Proof of debt must be provided at my request.
Consumer complaint received 2021-05-05
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. (IN)

I sent a letter to all 3 credit bureaus on XX/XX/XXXX demanding a reinvestigation I also attached my government ID, my son, and a bill with my address so they can identify me as well. these 3 credit bureaus are reporting in acute information on my report that should be removed immediately. 

I have filed a lawsuit against all 3 credit bureaus for negligence enablement of identity fraud and for violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (TX)

I never received my escrow refund in XXXX and XXXX ( loan # XXXX ). The property address is XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. I have called Nations Direct Mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) monthly for the past 6 months about my refund for escrow and overpayment of {$1000.00} ( XXXX ) and {$620.00} ( XXXX ) and each time they say that they will send it but they never send it. Every time I call they say that I have to wait 30 business days and then they can update their accounts. They have try to say that that do not have record of a refund and they have removed my electronic history for more than 365 days so I can't even see my account for years past XXXX. I have sent proof of documentation from physical copies I printed even though they have restricted my account history and then they change their story ( different story every phone call! ) to say they never received the request for the refund or they forgot to send it. This has gone on since XX/XX/XXXX. They have since increase my escrow requirement in XXXX and have not reflected the current balance due to the overpayment on XXXX and XXXX.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX. XXXX XXXX XXXX is nor updating my fico score. It's been. Stuck with same s ore since XXXX and up to today its still not moving
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I wanted to file a complaint and claim against Bank of America. On XXXX/XXXX/XXXX, i went to the Bank of America ATM at XXXX NJ Lobby ( ATM number is XXXX ) to make a payment for my Bank of America credit card. I insert XXXX bill of XXXX but the machine only took XXXX and return the other and told me to try again. I put in the other XXXX bill but it returned XXXX bill back and tell me to try again. Then the system just got stuck and printed a slip out saying " We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ) ''. It never returned my {$1400.00} that i put in. A person at the bank told me not to worry and help me called a number to file a claim. So i called the number that the slip told me to. I was transferred to one person to another and finally some help me filed a  claim. They investigated the case and told me they cant locate the money and say the machine may of have spit the money out after i left. i questioned the investigation but they wont give me a straight answer to what they did to proof that i didnt make the payment on the credit card. These were some of the question i was going to ask. 

1. ATM printed a slip to me that say " We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ) ''. but they say the ATM spit the money out maybe after i left. There should be footage of it showing the ATM spiting the money out or ATM transaction of when it did. If the ATM did spit the money out after i left, i shouldnt be responsible for it. 
2. ATM machine should records any and all transactions through the network. So if i entered my card and pin, they would know at what time i did, and what transaction i was conducting.

3. ATM video footage, the ATM video footage should show me making payment at the ATM, the time and date are on the slip that the ATM printed out saying the error transaction. How could a bank this big not have a camera pointing at the ATM showing me doing the transaction.

4. shouldnt there be an error code that was set when my transaction failed?

5. shouldnt there be logs on the ATM and at the central host receiving the transactions. They should be able to see what happened during that transaction and i have proof of the slip that say i was doing the transaction.

6. If they know something went wrong with the ATM, they should of stop people from using it and solve the problem right away and not tell me to no worry and that they will find the money. Now they are saying the machine may have spit the money out after i left, I cant believe a bank this big, wont be able to locate this big of a money that went missing. This is very frustrating and it have been almost XXXX month and they still cant solve this problem or locate the money.
Consumer complaint received 2021-05-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My records associated with the account BANK OF AMERICA with account number XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. A charge-off should show a XXXX  balance, remove the amount that is showing. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment to BANK OF AMERICA but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-05-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC (WA)

My escrow company has been trying to get a payoff from Novad since XX/XX/XXXX. When they called to get an update, they said 5 business days. They called on that day, and said to call back the next day, as they could escalate it. They called on day 6, and had it escalated. When they called back on the XX/XX/XXXX, they stated that they now needed another signed form to get the payoff. That was immediately sent in. They've now had to request this payoff 6 times and still, no payoff. No one responds and every person we've talked to is extremely rude. I just want to pay off this mortgage and sell my home, but Novad is preventing me from doing this, but not providing the payoff they've been asked for 6 times now.
Consumer complaint received 2021-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Fco is showing as delinquent account on my and my husband 's credit that are not our account but affecting ourcredit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Atlanticus Services Corporation (LA)

XXXX XXXX Debit from my checking account XXXX  XXXX XXXX Debit from my checking account XXXX I have talked to the credit card company on both times. was told that I sch. the payments for payment I disputed their statement. I have no idea who their agent is but someone needs to be held accountable there has to be laws for this person has done toi me
Consumer complaint received 2021-02-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

NCA ( debt buyer ) /speedy cash XXXX debtor ) keep placing on credit that I owe them over {$2000.00} dollars on a {$800.00} dollar loan. I have no paperwork of owing that amount but I have several emails on the original amount owed, payment and an email that they owe me a reimbursement. The also call and act like a government agency when contacting me. The 3 credit bureaus refuse to remove from credit reports. They keep buying this old debt and placing it as new on my credit reports. This was opened in XXXX on credit NCA is reporting like I have a new loan in XXXX with there company. On XX/XX/XXXX they marked it as a collection.
Consumer complaint received 2019-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

Consumer Financial Protection Bureau Online Dispute Only To Whom It May Concern : In XX/XX/XXXX I submitted a complete modification package to Ditech Financial LLC. Over a period of several months I submitted updated documents whenever requested, such as recent bank statements and pay stubs. I also submitted with the original modification a hardship letter, whereas I explained in detail the several pressing issues I was facing such as unpaid medical bills, charged off collection accounts, and a short term employment situation that was eventually resolved. 
Through a third party power of attorney all correspondences can be accounted for, including several telephone calls where a Ditech representative suggested a streamline modification could be approved by Fannie Mae. I never received a letter dated XX/XX/XXXX where I was declined a modification based mostly on a credit score. Ditech never submitted such a letter either directly to me by regular or certified mail, or by email. Just a week prior to this date Ditech Financial LLC requested updated pay stubs and bank statements. It was during this timeline where Ditech was involved in its second bankruptcy since XXXX. 
While in the bankruptcy process Ditech tried on more than one occasion to offset and eventually release any ongoing claims pertaining to foreclosure procurements and abusive collection procedures. Decisions were handed down with the U. S. Bankruptcy Trustee in the Ditech case, as well as a state court in the Southern District of New York. 
My rights were protected while I was in the modification process as it went against the federal trustee protection of Ditech consumers they serviced loans for on behalf of Fannie Mae. My rights against this illegal foreclosure was also in violation of my rights under the amended Fair Debt Collection Practices Act of XX/XX/XXXX. 
I request intervention on this illegal foreclosure action by a multitude of federal and state agencies. 
My overall financial situation has improved significantly and my creditor collection matters will be completely satisfied by XX/XX/XXXX. 
Obtaining a modification refusal on credit score grounds is completely illegal and unconstitutional. The merits of this argument alone is enhanced simply by a defaulted mortgage history.

My income debt to income ratios are significantly improved by the settlements on all collection accounts, the pay off on all medical bills, and I brought myself back to financial wellness by using an alternative debt reduction process outside a bankruptcy petition.

I demand the reinstatement of my rights to complete the Ditech modification process, and I am going to once again submit updated bank statements and pay stubs.

Even though Ditech Financial LLC might be under new ownership, it is the responsibility of all connected parties to protect my rights under the Fair Debt Collection Practices Act, in addition to the federal trustees decision to maintain consumer rights pre-merger.
Consumer complaint received 2021-05-20
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. (IL)

I submitted proof from my bank showing that I was never late/delinquent on my XXXX XXXX Auto account. I will attach my bank statement from XXXX XXXX XXXX here. I am asking for all of the late payments to be removed. Or for the entire account be removed from my credit file.
Consumer complaint received 2021-12-02
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 — Investigation took more than 30 days
Company: Regional Management Corporation (SC)

During initial contact with XXXX, I disputed this account. I was sent a check from XXXX XXXX XXXX in the amount of {$240.00} issued XX/XX/XXXX which states the date of loss is XX/XX/XXXX which prove this account was paid. I have yet to receive a response from Regional Finance. I contacted XXXX on the morning of XXXX XXXX. I asked for the contract to be sent to me I was told that I would receive a call back. I never received a call. I contacted Regional Certified Mail Receipt on XX/XX/XXXX for validation and a notification of disposition, waited 14 days, no response. I contacted Regional again on XX/XX/XXXX certified mail as well regarding the same accounts. According to XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT there should be a response within 14 days regarding information referring to " collateral. '' This account is paid and has been paid, this company is reporting two separate accounts regarding these experiences. Please remove these late payment or " experiences '' from my credit report in failure to respond in the allotted time and report accurate credit information.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one Bank approve me for an unsecured credit card and want me to pay in advance {$200.00} dollars. I paid {$200.00} dollars and received the card by mail. After two years I closed the account with XXXX  balances. The bank sent me a bill of {$200.00} dollars to pay again. I dispute the wrong charge of {$200.00} but Capital one bank reported to the consumer reporting agencies and destroys my credit history. I am still reporting or disputing this wrong charge to consumer reporting agencies. 
Banks don't approve unsecured credit cards unless the consumers pay in advance the approved amount.
Consumer complaint received 2020-09-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The CRA is reporting inaccurate and false information on my credit file without proper VERIFICATION not VALIDATION. The law requires that all collections, debt be VERIFIED through proof such as reciepts, contracts etc.
Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Aqua Finance, Inc. (WA)

purchased a boat, used XXXX XXXX to apply, ot the loan approved, i doc signed all the contracts and dmv papers, aqua finance and XXXX XXXX XXXX said they wired the money to XXXX XXXX bank account and they were to wire transfer to XXXX XXXX for my boat, it never got wired, been over a month and my first payment is due tomorrow. i don't have a boat, i have an open loan for XXXX on my credit report, XXXX XXXX XXXX have given nothing but empty promises from XXXX XXXX in Texas and Aqua has stopped communicating with me, won't return emails or calls. Please help me XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My report from transunion only shows satisfactory information but is reporting a collections account to creditors. Info doesn't match the report they show me. In addition I am not able to log the dispute online because while they can see the collections on the back end, it is not available for me to see and dispute. I also have letter from original creditor stating balance was paid ( it was sent to collections in error see letter attached collection agency is XXXX XXXX XXXX ) I was repeatedly transferred between their offline, online, and special handling department speaking with multiple supervisors and no resolution provided just more transfers. I am actively seeking a mortgage and funding and this is negatively impacting me in a serious way. I have followed all steps they have asked me to try and there is still no resolve to remove this inaccurate matter. I have also attached a copy of the Transunion report which shows no collections history.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

In XXXX, XXXX and XXXX of 2019 I paid {$580.00} on my account with XXXX XXXX XXXX. The total amount paid was to settle the account with XXXX. I provided supporting evidence of the payments including a copy of the settlement agreement, my bank statement showing the payments, and disputed that the balance was incorrect, the payment history is showing these payments as not made, and it doesnt show the account was even transferred to the collections company. Yet after multiple disputes with proof all three credit bureaus certify they investigated it and that it is accurate!
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX  XXXX please remove any other spelling of my name. I was looking further into my file I found addresses that I never lived at.Please delete the following unknown addresses : XXXX XXXX XXXX XXXXOHXXXX XXXX XXXX XXXX XXXX OHXXXX  XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX KS,XXXX XXXX XXXX XXXX XXXX XXXXKS XXXX XXXX XXXX XXXX XXXX XXXX KSXXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXXKS,XXXX  XXXX XXXX XXXX XXXX XXXXNJ, XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX OHXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ,XXXX XXXX XXXX XXXX XXXX KSXXXX XXXXXXXX XXXX XXXX XXXXNJ,XXXX  I am looking to start my new job but my new employer is having issues with my verification due to several unknown addresses and incorrect information on my credit report!