davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXXBalance : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}
Consumer complaint received 2016-10-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC. (AZ)

I sent a Letter to ECMC disputing the accuracy of negative reporting of Charge off on my credit report for student loans that were through XXXX XXXX, I had, had them deferred back in XXXX for 6 months and then in XXXX XXXX, they were paid off in full. Those letters were sent out XXXX Certified letter on XXXX XXXX, XXXX, signed for on XXXX XXXX, XXXX. After 30 days I never heard a response back from ECMC. I 've disputed inaccuracies with ECMC back in XXXX as well, sent a letter out on XXXX XXXX, XXXX they refuse to respond to my letters requesting " that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them this debt and therefore has broken the law by not reporting in a timely manner.
Consumer complaint received 2015-06-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (TN)

I filed chapter XXXX toward the end of XX/XX/XXXX and received my discharge XX/XX/XXXX. I have since began to rebuild my credit but my efforts have be adversely by XXXX lender, Specicalized Loan Servicing ( SLS ). They have reported correctly to XXXX XXXX 's but XXXX, XXXX. I received a credit update on yesterday of a XXXX point decrease due to an update SLS make to XXXX. I 've disputed this notation several times but no correction has been make. I really need to get this corrected ASAP.
Consumer complaint received 2019-02-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX has a late payment reporting in XX/XX/2019 on my credit file that is not correct and i have been trying to get them to make it right but they refuse stating that it is accurate for acct # XXXX.
Consumer complaint received 2016-05-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld XXXX is servicing a debt collection for XXXX XXXX. They did not post the correct amount owed on my credit report for over 36 months, even as I was paying them hundreds of dollars a month to pay down my balance. I have never authorized them to call my office and have expressly denied allowing them to call my work number and yet they wo n't stop calling my office line, which may threaten my employment.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On Monday, XX/XX/XXXX, I rec 'd a notice from XXXX XXXX, XXXX, Senior VP, HSBC/XXXX. XXXX XXXX XXXX ( postmarked XX/XX/XXXX ) indicating that HSBC was changing my mortgage home loan servicer. They further indicated that " HSBC '' will stop accepting payments on XX/XX/2016, and that XX/XX/XXXX payments should be sent to XXXX XXXX, XXXX XXXX XXXX 
While the notice stated that " The most important thing that will change are your mortgage home loan number and where to send ... monthly payments, '' no new loan number was provided. 
XXXX has NOT sent out a new XX/XX/XXXX statement. 
I consider this very shoddy -- not to mention abrupt.
Consumer complaint received 2022-09-03
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$510.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I sent Midland Credit Mgmt a CMRRR letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted
Consumer complaint received 2017-05-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

XXXX   XXXX   I requested a copy of my credit report that is when I learned that my former partner ( Borrower ) was no longer contributing to this loan and filed bankruptcy on it. Since I am the co-borrower I was held liable for this loan which I was never notified by former partner or Mortgage Co that this loan was in default. I contacted mortgage company in   XXXX   XXXX   at which time back payments had been caught up to date and at which time I requested information to modify this loan and also requested all information regarding this loan be sent to my address. No address update was made to this account and all communication was still being sent to my former partner in his name and to his address even after he filed bankruptcy on this loan   XXXX   XXXX   XXXX  . Starting in   XXXX   XXXX   I have left several voice mails to  the Residential Asset Manager assi gned to this account to date I have had no response. Have contacted reps and they said I have no choice but to speak to the asset  manager  and no one else is able to assist me. On   XXXX   XXXX   XXXX   a letter was addressed to my former partner and myself, sent once again to his address, regarding a request for loan modification. Information was completed and returned to mortgage company which I have followed up on multiple times and am still not able to find out any information regarding the loan or loan modification, all I am told when I contact mortgage company is I will have to wait to hear back from asset manger because this loan has been discharged, no idea what that means and no one there will explain it to me. I truly intend to repay this money that was borrowed but would like a little assistance in doing so.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Delinquent account — 
Company: PNC Bank N.A. (MO)

PNC Bank and XXXX bank ( XXXX of which I have credit cards for ) are saying that I am responsible for XXXX dollars total value of charges and I know for sure I did not make them. No matter how hard I try to dispute and file for fraud, they are not doing anything. I need your help to get rid of these charges so that I am not responsible.
Consumer complaint received 2016-05-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

In XXXX XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria several times, and was told to expect the XXXX miles to be deposited into my account by the beginning of XXXX XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the beginning of XXXX, Citi has changed their mind. They have suddenly decided I do n't qualify unless I can find a mailer from 5 months ago showing the offer. I think it 's unreasonable for Citi to expect me to keep mail for such a period, especially after confirming my offer eligibility. I believe Citi intentionally misled me in a way that encouraged me to pay monthly fees for as long as possible. I searched the internet for others with similar issues and was not surprised to find that the issue appears to be widespread. I believe the evidence points to numerous instances of intentionally deceptive marketing practices by Citi. I am bringing this issue to your attention because my attempts to discuss the issue with Citi have gone nowhere.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TN)

I am filing this complaint because the credit bureau ( EQUIFAX ) has failed to provide me any physical proof that they have on file that were used to verify the accounts I disputed. This is well past the 30 days allowed to verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible.
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AP)

This is a continuing complaint from one that you closed that was not to my satisfaction because I did not get my scammed money back from Bank of America. As a Bank if America customer I authorized the transfer of my money through XXXX to a person who I thought was legitimate at the time but who was a scammer. 

The details to this case are on my previous complaint. 

I want this case reopened and I want Bank of America to be accountable and pay me back money I list authorizing its transfer through XXXX to who I thought was a legitimate person at the time but who I later found out was a scammer. Yes I authorized the money transfer -/ only later did I find out the perdn was a scammerbut bank of America is claiming there is nothing they can do to recover my money nor do they want to pay me as they said I authorized it. Yes o did, but if I knew they were scammers, would I have transferred it? Bank of America is getting away with XXXX and the federal government and CFPB is not doing enough to help defrauded customers like me. Clearly if XXXX didnt make it that easy I clearly would still have my money right now. The bank is asking me to contact the scammer. Really? If it were that easy to recover my money from the scammers I wouldnt be wasting my time writing these complaints. I will not let up until I get my money back.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

My credit is report is showing an open account under the name of Midland and is falsely and illegally reporting itself as a credit account. Midland is a collection agency and can not be reporting as a factoring company and report in type as open. I have filed disputes with all XXXX Credit Reporting Agencies and all claim to have verified the account as belonging to me. I have sent Certified Letter to Midland requesting they provide me with all documents they provided to verify this debt and have not responded. I do not recall this account nor have I ever opened an account with Midland.
Consumer complaint received 2023-03-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

Macy 's American Express Card. Received a piece of communication XX/XX/XXXX with wrong last numbers to end of letter ( 2190 ). I had lost a credit card inside Macy 's on counter with a bag of purchase on XX/XX/XXXX. I went back into store, inquired about my card which was : XXXX.at this time. The card and most everything was missing out of the bag.I came home and also called them for here at home. A girl by name of XXXX said no problem we'll take it off. And said we'll send another card. I said no please don't until all is settled. received within 4 days. I have called the Citi Bank that has Macy 's & another store 's collection accounts in XXXX, XXXXI never received a bill that I was in collections. Nothing from Macy 's account online? I have spoken to 5-8 people per day to try and straighten out until I Called Macy 's in XXXX. Nothing other than keep trying? for hours on hold. First no balance, then you have to pay old card even though stolen/lost, kept saying you at fault, ( me ). When I called Macy 's before I used new card : you have NO balance, we are sure. I used the card a couple of times and returned every purchase due to not fitting. Now they say I owe old balance and finance charges. Interest charges, etc. I am done reported to credit bureau 's no help at all.I kept receipts they didn't even have. When asked to speak with Supervisor, they said we all same here? Please advise? because I don't know what to do. I have gone back to store, made sure I have copies of every receipt. Help I beg of you. Thank you.
Consumer complaint received 2022-02-09
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. (KY)

I have 5 accounts on my credit report that should be removed, they are outdated. I have sent several letters to the bureaus regarding this issue. I will attach the letters. They will not remove them from my credit reports, when it has been 7 years. 

There are also a few accounts reporting inaccurately that I would also like removed.
Consumer complaint received 2022-09-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Paypal Holdings, Inc (IL)

Fraud with XXXX and Paypal transfer XXXXXXXX XXXX XXXXXXXX XXXX XXXX  employees illegal used membersip program for food gyms phone housing transit, money transfer services, royalities, union memberships, licenses, permits, texting XXXX services cell phones applications cars subscription business associations books and gift cards. XX/XX/XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX I have returned to work part time. taken XXXX each employee board each year and breach of contract, theft of service.
Consumer complaint received 2016-02-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

RELATED TO CASE XXXX DATED XX/XX/2015 WELLS FARGO BANK. WELLS FARGO BANK, SERVICER AND REPORTEDLY LENDER XXXX XXXX XXXX HAS FRADULENTLY SOLD HOME.USAGE OF FABRICATED DEEDS. I REQUESTED DOCUMENTS OF SALE AND WAS REFUSED. I AM REQUESTING DOCUMENT TO VERIFY SALE WITH PROOF OF PURCHASER AND TITLE FOR NEW OWNER TO VERIFY REGRISTERY.
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

We have never had a loan with HSBC XXXX. When I phoned XXXX and inquired WHY this is on my report and WHAT is it - they basically told me they purchased the debt account from HSBC and did n't have full details available to share. That is unacceptable. 
This is very unfair to have this negatively impacting my credit score.
Consumer complaint received 2023-03-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (VA)

I enrolled in a savings bonus offer from Ally Bank on XXXX XXXX, XXXX. The offer stated that customers would receive a 1 % bonus for additional deposits up to {$50000.00} to savings vehicles if the money was kept at the bank for 90 days. The transfer had to be made by the end of XX/XX/XXXX. I transferred an additional {$50000.00} to my Ally savings account on XX/XX/XXXX. I subsequently transferred the {$50000.00} within Ally Bank to a CD account ( also within Ally Bank ) after calling customer service and receiving assurances that this was allowed and would not disqualify me from the 1 % bonus promotion. The bonus was supposed to be credited to the account on XX/XX/XXXX. However, this has not happened. I called Ally Bank customer service three times about the missing bonus and it has been escalated with case # XXXX. The case was created several weeks ago, but it is still pending.
Consumer complaint received 2020-10-17
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. (CA)

Dear CFPB, I pulled my report recently, and I noticed inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX  XXXX  XXXX XXXX # XXXX. This account was charged off in XXXX and closed! 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off C/O on these dates from XX/XX/XXXX to XX/XX/XXXX ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 90 days ; late payment reported on XX/XX/XXXX - 60 days ; late payment reported on XX/XX/XXXX - 30 days. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report. 

4. Delete this account, because it shows Credit Limit reported {$7500.00} from XX/XX/XXXX to XX/XX/XXXX. This account was charged off and closed in XXXX. This is inaccurate information. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (TX)

I purchased three vanilla visa gift cards in the past two days someone got into them and took all the money. These events happened between XX/XX/2022 - XX/XX/2022. The amount of money that was taken was about XXXX XXXX I contacted the company two times already and they have barley done any action. I also contacted XXXX and they said I had to take it to the gift card company.
Consumer complaint received 2015-04-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Was opening a new cd @ my financial institution XXXX XXXX Bank in XXXX Texas XXXX on XXXX/XXXX/2015. They ran my social # thru ChexSystems for verification I guess and it shows a discrepancy was discovered that associates the social security # I provided with another individual 's account information.Complaint # XXXX