davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Associates, Ltd. (WI)

Called and left a message with the said company asking for validation didn't receive anything from them for about a month. Another letter was sent from a said company called them again and asked if they could send information to me again and told them about the previous message left for them to send validation instead they sent a letter asking for money from a company that I didn't recognize. They have now asked me to pay money from three different companies without any validation. They have only sent me a payment schedule not only that they have hung up on me while trying to get more information about the said debt. I do not agree with their tactics on collecting a debt or trying to solve an issue with the person who may be responsible for said debt.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have had my credit information with Experian up until XX/XX/17, but some reason they deleted my file and I can not get a reason as to why? I keep calling XXXX to try and get someone on the phone. I enter my social security number, address, but it will not let me speak to anyone. It hangs up on me. Recently I tried to raise my credit limit with XXXX and go declined because my history was not in my report. The other two bureaus have my information, but this one does not. I am providing my three forms of identification to prove my identity
Consumer complaint received 2017-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I applied for Capital one credit card. Capital one sent me a paper with my interest rate based on my credit score. It used XXXX credit score of XXXX in FICO Credit Score range. Capital one explained that it is a good credit score ( not excellent ) and therefore I will get a middle interest rate ( 18.99 % rather than 13.99 % ). I have been monitoring my credit score with XXXX and it was XXXX ( on XX/XX/XXXX ) using XXXX XXXX which corresponds to an excellent score. I also have an excellent credit score from other two major credit bureaus.On XX/XX/XXXX I signed up with XXXX  credit monitoring plan to check my actual score on XX/XX/XXXX using historical data but was unable to find it. On XX/XX/XXXX I contacted XXXX  through phone ( no other options are available ). I was told that they only have access to my today 's credit score and  they can not give me any information about capital one inquiry. To summarize I want request XXXX to release my credit score ( that was reported to Capital one on XX/XX/XXXX ) to me. In case if there is mistake occurred in my score i want XXXX to report my updated score to the Capital one.
Consumer complaint received 2017-11-20
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. (NC)

50 days ago, I sent a letter to Equifax asking them to investigate and correct errors on my credit report. So far, they have not responded, and they are supposed to respond within 30 days.
Consumer complaint received 2022-03-31
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. (CA)

On XXXX I sent a letter to TransUnion, XXXX and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is 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 it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

I attached the original letters I've sent to them trying to resolve this problem! 
Please see files attached!
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions. (MI)

XX/XX/2021 Sent in a letter for validation to FBCS and the Information was never validated. Date of last activity and the date of last payment is wrong and is reporting differently on all 3 credit bureau. I have tried to dispute mistakes and the credit reporting agency is not correcting them.
Consumer complaint received 2017-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (VA)

I bought my home on XXXX XXXX 2017. At the time of purchase, I did not have the money to make the 20 % down payment as my accounts were frozen because of divorce. In just a little over a months time ( XXXX XXXX 2017 ), my accounts were unfrozen and hence, was able to make an additional payment that brought down my LTV to less than 80 %. 

I have sent multiple requests to My Loan Care ( my mortgage company ) and every time they deny my request. At first, they wanted to get the appraisal done ( note the request to cancel PMI was made one month after the actual purchase of home ). The appraisal was already done when the house was purchased a month ago. Value of the house is not expected to change drastically in 1 month yet, I let them get the appraisal done. After the appraisal was done, I was told on the phone that the loan was not seasoned for 6 months so, PMI can not be canceled. Their website does not share any such information. All the website says is the request to cancel PMI can be made if you have a good payment history and the LTV has : Is first scheduled to reach 80 % of the original value of the property ( 80 % LTV ) ..
Actually reaches 80 % of the original value of the property. This information is available at the link below : https : //www.myloancare.com/XXXX XXXX XXXX I have tried resolving this matter by talking to them on the phone multiple times and have not received any co-operation or assistance in this matter
Consumer complaint received 2018-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

In XXXX, I received a phone call from Choice Recovery whose a debt collection agency trying to collect on a debt. I told them cease collection attempts since I did not know who they were and to correspond only by mail. About a week or so later I received a debt collection letter indicating I owed close to {$400.00} for 2 bills from something that occurred in XX/XX/XXXX. I then sent certified letter to the company requesting " DEBT VALIDATION '' within 30 days and NEVER heard back by mail from said company. I know after 6-8months creditors and debt collections agencies can add negatives marks to credit report so in good faith on XX/XX/XXXX I called and said I'll take ownership of this balance ONLY IF this debt is NOT placed on my credit profile and setup payment arrangement in which the collector XXXX XXXX OR XXXX setup. On XX/XX/XXXX, I received an alert from credit report that BOTH collections account are now appearing. On XX/XX/XXXX, I contact XXXX and asked why, she said their system shows they sent a response in which I told her I NEVER received, she said she don't know why and they cant update my credit report to fix it issue. THIS IS BEYOND ridiculous. I asked to speak with a supervisor in which I was not able to. This company needs to fix their tactic. How does the consumer have right to dispute debt and NEVER hear back from company certified mail ensuring I received a response from them?
Consumer complaint received 2023-01-26
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. (FL)

This is my numerous request that you adjust this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

I had a Fidelity Rewards credit card issued by U.S. Bancorp that was converted to XXXX XXXX XXXX in the summer of 2016. The advertised rewards from XXXX is that you receive double points for all qualifying purchases and 2 % rebate if the rebate is deposited into a Fidelity account. 

I have been diligently redeeming my rewards over the past year only to realize that I had only been given 1 % instead of the 2 % as advertised. I never received any information that upon my account converting from Bancorp to XXXX, I was supposed to call to change my rewards level. This was not clear and a very deceptive process for all customers. 

All along I was using my card to receive the 2 % and I was only given 1 %. This needs to be better communicated and any accounts converted should have received information regarding the steps to take to ensure they were participating in the right rewards program.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (NY)

Opened account XX/XX/17 and followed the requirements for bonus. Code was automatically applied on online application and was n't able to get code readout. Waited about 120 days before contacting. 
Messaged general inquiry. They mentioned that I used a code that made it uneligible and I was out of state. However, the final print was changed after I applied as it did not have the state requirement. They said I could no longer escalate the matter.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXXX-2017 Bank of America charged me an interest fee of {$11.00} after i had already initiated a balance transfer but was delayed since bank of America refused to provide me information XXXX XXXX bank needed. I called Bank of America and the respresntatives said he could not provide me the informatiom but suggested i go online. I did go ahead and process the balance transfer but took longer than expected due to Bank of America 's lack of assistance to work with a nearly 3 year customer.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$19000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX Account Number : XXXX AMOUNT : {$110.00} Reason : Account is fraudulent Account Name : XXXX XXXX  XXXX ( XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$73.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX AMOUNT : {$720.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$880.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX AMOUNT : {$420.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-11-18
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)

Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies. 

They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.
Consumer complaint received 2021-07-06
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. (GA)

My previous account with XXXX XXXX XXXX Account # XXXX was halted for two months in 2020 at company 's discretion at the peek/during COVID-19 Natural Disaster. Account has since been Satisfactorily Paid off and Certified by XXXX XXXX XXXX. But XXXX has deliberately and wilfully continued to report it as two late payments on my credit profile, causing me a significant, downward negative report on my credit, thereby affecting my ability to gain favorable terms on my mortgage and other possible loans. 

I've since attached and sent XXXX proof of the Letter of Satisfactory and Never Late Payments. Notwithstanding, XXXX has refused to adjust it in my favor as with the other bureaus.
Consumer complaint received 2017-11-18
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. (GA)

This was removed from my credit and is now being reinserted inappropriately. This is a very old account. 

XXXX XXXX XXXX Collection/ Chargeoff Learn More {$0.00} XXXX XXXX 2012
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (MD)

In XX/XX/XXXX, I received a notice from BAM Trading Services Inc, d/b/a Binance.US that reported suspicious account activity and recommended that I disable my account for security purposes. I followed the recommendation, and after a few weeks attempted to reactivate my account. My intention was to move my funds to a safer location and increase the security on my account. However I could not reactivate my account, and despite multiple support requests to Binance.US on XXXX, XXXX, XXXX, ( and today XXXX an attempt for a virtual chat seeking a live agent- there are none ). I have had no response to my multiple tickets submitted for reactivation of my account, save automated Bot responses that report the request has been received and my multiple requests have been merged into a singular ticket, pending since XX/XX/XXXX. I have no update as to the status of my request and my several thousands of dollars are locked in my inaccessible Binance.US account for months. I have read the FAQ and taken appropriate actions as recommended by Binance.US to restore a XXXX account. 

I am seeking the help of CFPB to motivate Binance.US / BAM Trading Services to assist me in accessing my account and funds. I was a member of Binance since XXXX and migrated my funds to Binance.US this year with US regulatory changes, unaware that this total lack of customer service response is a pervasive issue for US customers.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo unfairly did not offer me competitive rates during my mortgage refinance process and is overcharging me. Wells Fargo also concealed the fact that I was eligible for an escrow free mortgage causing me to lose potential interest income.
Consumer complaint received 2017-11-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (GA)

This account have been remove from my credit XXXX XXXX and XXXX its showing on my credit report XXXX with in accurate information showing charge off since XXXX then showing paid in good standing XXXX of XXXX this information is inccurate I dont receive any information from anyone bout this I ask to please remove Santander bank immediately from my XXXX  credit report they are putting false information on my credit.
Consumer complaint received 2021-10-05
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 — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.
Consumer complaint received 2018-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

Law off of Mitchell D Bluhm XXXX XXXX XXXX XXXX, XXXX TX XXXX called and stated I owed a medical debt and tried to obtain my personal information. They stated it was for a stay at XXXX XXXX Hospital, though I never had a stay at XXXX XXXX Hospital. I asked that they Validate the Debt and send something in the mail regarding the debt. They did not do that. I sent a certified letter requesting the debt validation, which I have not received at this time. However, They posted a negative debt collection on my credit report. Several attempt to call the company and I have gotten only a voice mail and not return calls. They claimed the debt is from 4 years ago. I have never once gotten a call about this debt until I got the call from this XXXX Law office. When I looked them up on the maps they are in a a warehouse. Upon calling the police department there they said there are no law office there. Just transportation.