davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

I requested XXXX and Equifax to verify a bankruptcy on my credit report. I also requested for them to send me any information regarding there decision on the outcome. All they send me is a letter stating they verified it with a third party lender. They failed to respond to my request accordingly and chose to ignore what I asked for. Leads me to believe they never verified the information as requested.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management calls me daily, attempting to collect a debt *for someone else*, a person that I do not know. I have told the reps who call MANY TIMES that I am not that person, I do not know that person, that I do not need their services, and to STOP CALLING ME. They will share information about the person 's ( they are looking for ) debt ( a violation of collection practices ), even after I inform them I am NOT that person. I block the number they call from, only to have them call from another number. I have tried getting them to understand that they have the wrong number, but they KEEP CALLING. I no longer answer their calls, but do immediately block the number when they find another to harass me from. How do I get them to stop?!?! Today 's call ( XXXX EST ) came from XXXX. To date, I have received their badgering phone calls from XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2018-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to LACSD after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity. 


I have filed affidavits and done all the proper steps under federal law for BBVA to handle this accordingly but has failed to do so, my attorney has filed a complaint with the Attorney Generals office of California - XXXX XXXX against BBVA Compass Bank for Banking negligence resulting in the loss of funds of claimant - XXXX XXXX. 

In the last CFPB response from BBVA Compass Bank all that was stated after a TWO WEEK investigation was dispute it ... I am asking BBVA once more to investigate and return my funds that are due to me under federal law.
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NM)

I can't speak as to when the issues started, but I began receiving multiple calls from a Midland Credit Management. They have been calling every day, sometimes multiple times in a day. This company has also contacted at least two of my family members, both of which have no ties to any potential debt that may be in my name. 

They have been advised to stop calling but all parties and I have yet to receive any documentation that allows me to dispute whatever the debt is that they're trying to collect. They refuse to confirm any information when asked as I don't feel comfortable giving them my information without knowing the circumstances behind their calls. 

I have tried blocking the numbers that they are calling me from as well, but then they call from a different number to get around it.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I requested this account and credit card to be closed on XX/XX/2022 after paying the final balance owed. I continued receiving billing statements from XXXX XXXX for this credit card. Once again, I called and explained that this account should have been closed in XXXX of 2022 and the agent assured me that the account was closed. I did a dispute on my credit report to have this account removed because it is still reporting as open and that I am in default with payments. The account remains on my credit report.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was emailed by a company I do business with my credit rating went down. It when on state the reason, which was I was delinquent on a mortgage. It also stated as being reported by TransUnion. 

I called the bank and read them the riot act for showing delinquent on a loan I had paid off. The bank responded by telling me they never reported that. 

I called TransUnion, and asked how they made such an error. I was emphatically informed how wrong I was, that TransUnion couldnt have made the error, and I needed to demand that the bank contact TransUnion and fix the banks mistake. I did file a dispute with TransUnion. 

I emailed the bank, they sent a form to TransUnion informing them again on my loan status. The same day I emailed them, they sent it. 

Now I call TransUnion, they tell me they cant see my account due to the dispute. I cancelled the dispute so they could see my account. They saw the statement from the ban yesterday & from mid-XXXX. Neither showed me being delinquent. TransUnion continued to claim the bank made the mistake. I asked they pull the statement that preceded the XXXX statement. She claimed she couldnt. We all know TransUnion has that information. Lets guess, the previous statement was from mid XXXX. Why would TransUnion update my credit report in early XXXX fro a statement from XXXX, and why they would ignore the XXXX statement? And that supposition is based on me being truly late, which I wasnt. 

Why can they screw up and I pay the price?
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

XXXX, Direct loans and other companies have constantly caused problems which damaged my credit and has led to filing bankruptcy twice. They have constant sold my loan from one company to the next capitalizing the interest over and over. I never received the interest rate that they promised over the phone. This has been a constant financial burden to me in such that it has caused me severe financial harm. They would ask for paperwork to be sent to them over and over stating they got it but it was lost or claiming I did not send it.
Consumer complaint received 2016-08-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I set up a business account with Bank of America. I confirmed that I needed a {$2000.00} balance to avoid fees. I left it for 4 years. When I came back I found that they changed the minimum to {$3000.00} and charged me about {$700.00} in fees. There is no recourse apparently.
Consumer complaint received 2021-03-25
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. (FL)

On XX/XX/XXXX I emailed my Mortgage Loss Mitigation advisor at XXXX XXXX XXXX, XXXX XXXX ( XXXX ) to verify that I had began making the trial payments for my Mortgage Modification that I was in the process of. 

On XX/XX/XXXX I spoke with XXXX of the Collections department, who confirmed that XXXX had been reporting me late every month for the last year even though I had been in a mortgage modification program and was not delinquent. XXXX advised that I would have to write a letter because there was no one that she could transfer me to. XXXX acknowledged that my XXXX payment, which is currently being reported as late, was due on XX/XX/XXXX and payment in full was received on XX/XX/XXXX ; yet XXXX XXXX XXXX reported me 90-days late for my XX/XX/XXXX payment. XXXX acknowledged that I should have had some special reporting on my credit bureau that showed that I had been working with Loss Mitigation for my mortgage from XX/XX/XXXX - XX/XX/XXXX therefore nothing negative should have been reported and I should have had notes put on my reports of the such. This did not happen. 

I met all the payment arrangement guidelines to warrant receiving a modification of my mortgage. I have not been over 30 days late on my agreed modified mortgage payments with XXXX since the agreement began but I am actively being reported as over 90-days delinquent of my mortgage payment every month for the last year and this is not right and it's inaccurate reporting.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

Under the current unforeseen and extreme circumstances we are living through, I decided to call my lender United Wholesale Mortgage , XXXX for assistance. I was hoping to delay my mortgage payments for 2 to 3 months since all my jobs have been put on hold. They offer what they call Payment Forbearance. The idea behind it is that you do not have to pay your mortgage for up to 90 days, but at the end of the Forbearance period, you would owe all the payments at once. They do offer the option to then make one payment, or make a payment plan. Now, let 's think about this for a minute. How is this of any assistance to anyone under financial hardship? This plan is based on the assumption that at the end of the pandemic, if the effects last only 90 days, people will have the ability to produce 3 times the amount of income, or let 's say 120 % of the income to meet a payment plan and make sure the # 1 lender in the country doesn't loose a penny or wait a few months to get their money? How is this allowed? How are this people not being controlled? Why is the government not protecting us from these ruthless financial institutions? 
I'll be filing complains with California, Michigan and the federal Government to start. We can be better than this. 

XXXX XXXX
Consumer complaint received 2020-07-18
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. (GA)

Experian and XXXX XXXX, two major credit reporting agencies are continuing to post fraudulent account that was created due to an identity theft crime. 
To support my statement, I have submitted two separate identity theft reports from FTC and XXXX county police department ( police report ). 
Worst part is that both companies failed to notify me via mail, the reason why the account is being re posted ten days prior of doing so. This is a clear violation of FCRA. Credit reporting agencies must notify the consumer ten days before re-posting an account or an item that was removed from the report if they wish to re-report the account or item information. 
Also, I would like to make an official complaint to XXXX XXXX for their attempt to collect the debt that I do not owe and reporting fraudulent account that was made because of an identity theft. 
I will attach previously mentioned identity theft report from FTC and police report that was filed to XXXX county police department.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was issued a merchant credit on XXXX/XXXX/2015 and it simply did not arrive on my credit card. This was due to the fact that the original card had been breached and a new number issued. The Big Bank told me in XXXX of several calls I made that they had no technology to move the credit to the new number. After at least XXXX phone calls I completed and online chat and was told they would be able to send the money ( in cash ) to my bank account but it would take 2-5 business days. Surprise after 5 days NO money. I reached out again -- -this time an online chat agent told me the exact same story -- -ANOTHER 2-5 business days and this woman told me to print out the chat as her word that it would happen as she said. GUESS WHAT -- -another 5 business days and no money. I now went into a branch to speak to a live person who called the big guns and when I left he told me that it would not be 2-5 business days but likely LONGER. NOW this bank has held MY money for 38 days. If I pay late I am charged interest but its OK for them to hold my money well over a month with no repercussions? I finally recognized the power of social media and when I posted on FB I got a fairly immediate response HOWEVER now the credit has posted well past the original date of the charge forcing me to pay for it and get my money back when I next pay my bill thus extending the time I am out my money. I feel i should be compensated in some fashion for the HOURS of my time spent chasing my own money AND having to wait for it. If this were a regular bill since they owed me the money the bank would have to pay me late fees and interest. Today I received a call form the social media team who were somehow able to get the credit sent to my new card ... funny how no one could do it before.
Consumer complaint received 2020-08-20
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. (OH)

TransUnion customer service would not help and take care of the negative inquiries reporting to your credit report want TransUnion to delete those credit inquiries off my credit report except my XXXX XXXX opened XX/XX/XXXX and my XXXX XXXX opened XXXX. The other 37 inquires must be removed/deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

A letter was sent to IQ DATA INTERNATIONAL for account XXXX as a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that IQ DATA INTERNATIONAL is now in violation of. I have enclosed the letter sent out on XX/XX/2020 that has a delivery date of XX/XX/2020. IQ DATA INTERNATIONAL has not responded but has continued to add a monthly increase of the debt on  my credit file which Is another act of false reporting. All attempts to request Verification and Validation have either been denied or ignored and it is hurting my credit score currently to the point where any score improvements are immediately reversed. The debt is for {$1300.00} and I know for certain I do not owe this to anyone. Please assist as we are far beyond a 30 day response period and they still have yet to reply.
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

An car loan that supposedly was taken out on XXXX/XXXX/XXXX, was reported transferred to another office in XXXX/XXXX/XXXX. This was XXXX years after the loan was supposedly created. I have no record of this loan. I have had XXXX car loans in XXXX years. XXXX, after I XXXX from the XXXX XXXX in XXXX, for a XXXX XXXX XXXX and the other in XXXX for a XXXX XXXX truck. Each loan was paid in full with no late payments. Both vehicles were later sold with no lien holders to private buyers. I have no record of a car loan with the company saying I took out a car loan in XXXX. The first year the XXXX XXXX was offered was in XXXX as per research on the internet. Until I graduated from the XXXX XXXX on XXXX/XXXX/XXXX, I could not afford a car loan or any other loan. It is illegal for a company to carry a loan on its books for this amount of time. It also violates the time period a loan can be reported to a credit reporting agency per Federal law. I informed the credit reporting agency that as of this date XXXX years has transpired and they needed to remove this improper account from my credit report. They acknowledged that I have disputed this and still claim they have to wait to remove this based on what the creditor replies irregardless of what the laws are. The advent of long term car loans did not happen until the cost of vehicles made the standard three year car loans obsolete because people could n't afford the payments. This occurred many years after I purchased vehicles and also after this supposed car loan I have no record of in XXXX. I have requested on numerous times before that accounts that were over XXXX years or XXXX years that were being reported after the time periods had expired be removed and they were done without question. This account is over XXXX years old : this does n't make sense.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (KY)

Tried to wire funds. Bank stopped the wire, would not contact me as to why the wire was canceled. Tried to close my account. Bank said they would not close the account and told me to call back days later. Would not close the account or contact me.
Consumer complaint received 2020-07-18
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-18
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-18
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

I filed a complaint on XX/XX/20 regarding the problem with a Home Depot card that is handled by Citibank. They have not straightened this out. They are telling me that the other fraud charge is still outstanding and there is a payment coming due. They are still showing the balance due on my credit report and giving us the run around about removing it from our credit report. The original complaint number was XXXX.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OH)

On XXXX, I asked to close my accounts through Live chat, and there are XXXX pending tranactions ( This XXXX tranactions were the checks i deposited to XXXX XXXX  ) .I asked the customer service if there would be a probem to close the accounts since the tranactions were not clear, and the customer service told me there would no problem and close my accouts. This caused my accounts blocked and the checks which i deposited to XXXX were returned. 

The worse thing was that I used the money which i deposited to XXXX and returned back to Citi, so i tried my best to pay XXXX money back or XXXX would tranfer the debt to the collection. 

After this, I made a lot of calls to Citi. the customer service told me that Citi would mail me the check in 7- 10 days, but now XXXX weeks past, I did not get the refund. and i dont know when i will get my money back.
Consumer complaint received 2020-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX  XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20
Consumer complaint received 2020-05-11
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. (CA)

I HAVE A NEW COLECTION ACCOUNT THAT JUST APPEARED ON MY CREDIT REPORT THAT I THINK IS PART OF MY IDENTITY THEFT CASE BECAUSE I HAVE NO IDEA WHERE THIS CAME FROM AND WHO MAY HAVE OPENED IT USING MY PERSONAL INFORMATION.