davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONWIDE ACCEPTANCE LLC (KS)

Although I know that I am in collections, this company calls me more than 7 times daily. When they call and I am not able to talk they get very ugly and sayu mean things to me as well as threaten me. THis company even refused to give me a payoff amount and tried to force me to pay money before giving me a payoff to pay them off through a trade in. I was refused service, but then they turned around and released it to someone that I did not authorize them to do so. This company forced me into a deferment for COVID -19 and then added four months to back en of my loan ... .then mysteriously I now owe  late fees that equal to monthly payments although I had no late fees at all when the pandemic hit. THey will lie and state that this is not what I was being told by their reps ; however, I started recording my calls with them because they have the reputation of not being honest about what they are telling the consumers. My deceased mother has been talked about negatively by a rep and I have been called several liars about the health status of my XXXX brother who I was caring for after a XXXX. I was threatened that " I would be walking and they are picking my car up since I am acting like I am at work and cant talk right now. '' When the rep talked negatively about my deceased mother and retalited, I was told that they were picking up my car because I was being nasty to the rep ... they completely ignored that my dead mother was talked about on the call. This bank is truly a r complete rip off
Consumer complaint received 2021-09-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have a paid account from XXXX XXXX I sent Experian the paperwork and it is still reporting as accurate when it is not. There was no investigation done.
Consumer complaint received 2020-09-09
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. (NY)

Following accounts are fraudulents : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX  XXXX XXXX  XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-08
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. (TX)

Febuary XXXX - XXXX XXXX  XXXX XXXX XXXX FIRST REPORTED DISPUTE - XX/XX/XXXX - RESULT XX/XX/XXXX WITH TRANSUNION- NO CHANGE ON INACCURATE BALANCE DUE. 
DISPUTE XXXX XXXX XXXX RESULT BACK XX/XX/XXXX WITH TRANSUNION - FOR DUPLICATE ACCOUNTS And would like to know why and how they are allowed to continue to damage my credit with this inaqurancy? 
Also according to credit report accurancy, the account has it 7yrs on my credit report as of XXXX XXXX.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc. (NY)

I first visited The XXXX in XXXX for education purposes. l applied for an XXXX and got it. I stayed for a while and then returned to my XXXX  Right now I have been living in The XXXX since XXXX. I am a XXXX XXXX. I visited the XXXX for vacation and trade purposes several times between XXXX and XXXX. But I never applied for any credit card, personal or student loan during this time. The current situation is I am being called and receiving mail Law firm about a debt. I have no idea what debt they are talking about. I do not know what I need to do. I received the first mail in XXXX from the Law office. Between XXXX and XXXX no one called me about this issue. Now They started calling me again. 
For your information
Consumer complaint received 2022-01-19
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. (CA)

The credit agencies : XXXX, XXXX, and Experian These 3 Credit bureaus have allowed the Debt Collectors to " RE-AGE '' collection accounts on my credit reports. The debt collectors : XXXX XXXX : XXXX XXXX XXXX  is the XXXX XXXX. XXXX XXXX : XXXX XXXX is the original creditor. 

These collection accounts should have been removed from my credit reports in 2021. I've reached out to all three agencies and none of them provided evidence to the contrary. Yet the collection accounts remain on my report, after 7 years, re-aged, affecting my credit and cost of credit.
Consumer complaint received 2019-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MI)

I graduated in XXXX of XXXX and received notification from XXXX  about filling out my paperwork for my XXXX Grants. I filled out the paperwork, sent it to my secretary who forwarded it to corporate ( since I was working for XXXX XXXX XXXX, a XXXX XXXX ), and later received notification from XXXX that my grants converted to loans. I called to let them know I sent in the proper paperwork and they told me it can not be changed back once converted. My loans for a XXXX   degree went from {$30000.00} to about {$50000.00} overnight. I talked to them about doing the Public Service Loan Forgiveness and they told me to make the minimum payments since it would all be forgiven after 10 years. I did as they explained and realized it was a huge mistake when I saw my total loan amount going up. Eventually I sought out a higher paying job outside of XXXX because I was unable to keep up with the payments. Today, my total loan amount is around {$55000.00} and I began paying in XXXX. I would never recommend anyone work with XXXX after the way the misled me when I was trying to do the right things and pay my loans back, even after they converted my grants in such a way.
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I put a couch for sale on the app XXXX XXXX and got a response from a XXXX XXXX. I was selling the couch for {$300.00} and he said he was going to donate it to an orphanage. I reduced the price to {$100.00} since I tthought that was a good cause. He sent me a cashiers check in the amount of {$1600.00} which he said would cover the movers fee and the cost of the couch. He told me to transfer money to another person via XXXX by the name of XXXX XXXX for {$1300.00} that was supposed to be for the movers fee.I cashed the check with my bank but then a few days later they took the money out of my account and I called them and they said it was a conterfeit check.I had already transferred the {$1300.00} via XXXX and submitted a claim with Bank of America but they denied it. I just want my {$1300.00} back and for this nightmare to be over with. His bank from the check is XXXX XXXX XXXX  and here is the information I have for them : XXXX XXXX or XXXX XXXX, Phone : XXXX email : XXXX, XXXX XXXX name is XXXX XXXX and email of XXXX, I just want my money back, I have reported to FBI. filed a police report with the city of XXXX, contacted 3 on Your side here in XXXX, filed a report with the FTC also. Here is also the email response I got from them : " Im so sorry about this, I was only asked to pick up the funds and I dont know anything, next time dont send money to anyone '' so they knew it was fraud. I thought my bank would help but they didn't
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THE COMPANY never PROVIDED THE legal DOCUMENTS THAT SHOWS MY WRITTEN CONSENT FROM THE FURNISHER AND ALSO SENT AN illegal .paper stating they DID NOT HAVE TO SEND ME DOCUMENTAION PROVING THAT THEY HAD VERIFICATION FROM EACH FURNISHER. TO REPORT ACCOUNTS AND/OR Hard inquiries
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have an issue with CapitalOne Credit Services and how they decide on giving a credit limit increase. First, it is done all by computers and the request can only be made online. There is no human element to assist or escalate any issues or complaints. I tried reaching out to their management and was not able to get an solution rectified.

I also tried reaching out to their Corp Offices who were also unable to direct me to anyone but their same customer service line that would not improve the issue.

Issue : Requested a line increase since I have had this card for over 7 years now I only had one small increase to my limit. Keep getting declined due to an old credit score instead of processing the most recent which is how most banks follow procedure and review. 

I tried both XX/XX/XXXX and XX/XX/2021 whereby my scores were much higher and have had very bad experiences with CapitalOne 's scoring system which attached are two decline letters referencing my credit score in XX/XX/2021 which is an old score and reading of my current credit. I feel it is negligent on the Bank 's part to be using an old credit score and not pulling my current one to enable to have the privlege of receiving an increase to make higher priced purchases. It also make me feel CapitalOne doesn't want my business where I am being tempted to just close this account since they have been uncooperative to work with and handle this situation correctly.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/2020
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I gave up my XXXX and became a XXXX of the XXXX XXXX, I am now in the process of becoming a XXXX XXXX now. I tried to get my credit report but I am unable to answers the questions that it say I have a mortgage, a credit card from XX/XX/XXXX, a new car that was purchased in XX/XX/XXXX in my name. The questions ask me for the monthly payments on the house mortgage, and car loan. I ca n't answer a question I have no knowledge of.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westcreek Financial (MI)

The company Koalafi continues to try to collect a debt that was included in bankruptcy. They have been informed that my bankruptcy discharge order was GRANTED. 
XXXX XXXX XXXX Board Certified Consumer Bankruptcy Attorney XXXX Ph : ( XXXX ) XXXX or XXXX Fax : ( XXXX ) XXXX MAIN OFFICE : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX Email : XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX  XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number:XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AR)

I have been in contact with Citi Bank for several weeks now on a purchase that was made on my Citi Platinum select card in the amount of XXXX USD in the country of XXXX in XXXX of 2020. I have filed for fraud, was called and gave all necessary information. 

I was assured by Citi Bank that this would be reversed in my favor. I received a new card as well. Then, I received a letter in the mail stating that Citi bank had to resolve the case in favor of the merchants because I failed to provide enough information. No one reached out to me from Citi Bank for information. I reached out multiple times during the week every single week that the dispute was open to check on the status, only being told to 'not worry. ' Now, my new card is getting fraudulent charges from the same country. I am drowning in credit card debt because Citi has refused to take my case seriously.
Consumer complaint received 2020-07-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (FL)

Nations Lending is our lender, we have been trying to refinance we have had 5 or 6 closing dates in two months they canceled all of them? We have never missed a payment or had a late payment! We have paid them over {$57000.00} in 23 months but they keep playing around! We are two Vet 's One is XXXX  % XXXX the other is XXXX, XXXX in XXXX & XXXX  XXXX   too!
Consumer complaint received 2020-11-25
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: Risecredit, LLC (OH)

This is my second dispute notice and as I was going over my credit report once again I noticed an account that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : RISE/XXXX  # XXXX
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

first this XXXX  XXXX XXXX XXXX in XXXX they reported on my credit files, After i file complain in XXXX with CFPB ( File number XXXX ) because i do not own this debt they removed this reported from XXXX amount and then they removed from my credit file, Now this new debt collection agency Common Wealth Financial system trying to collect same debt ( {$1300.00} dated XX/XX/XXXX ) which i don't own, They reported on my credit file i like them to immodestly remove negative information from credit file from all 3 credit reporting agencies,
Consumer complaint received 2022-01-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

Late last year Freedom Mortgage purchased my loan from XXXX. The loan is a 30 year fixed VA loan. Initially there was no issue with the account. Then in XXXX I got a paper statement that included someone else 's name instead of my spouse. I have no idea who the person is, its just some random person. I contacted Freedom Mortgage and they claimed it " was a typo ''. That is ridicules on its face since no one is typing anything into these statements. I told them that wasn't an acceptable answer because the presence of the name mean that somewhere in their computer system this oper person had been attached to my account. They brushed off my concerns repeating over and over that it was a typo. A representative promised to look into and call me back. They never did. 

Today I received my Form 1098 and my XXXX bill and low and behold, the name is still on there. Now I have a fraudulent IRS form. 

I called Freedom again today. They blew me off again. They have promised to send me a new form but in the mean time they have locked my access to my account over their web site. I have no way of knowing if they are going to submit a corrected from to the IRS so I have to worry about my tax return being flagged for fraud.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

the following accounts are on my credit report as charged off. they were included in a XXXX XXXX  bankruptcy. I sent letter ( XX/XX/21 ) to them. But most updated my credit report incorrectly. changed the balance only to XXXX but still left it as charged off. XXXX XXXX XXXXXXXX sent a letter saying they were going to update the credit report but have sold it. they are as follows. 
XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX mn XXXX comenity bankXXXX XXXX XXXX XXXXXXXX XXXX  oh XXXX comenity bank/ XXXX, same as above comenity bank/ XXXX, XXXX XXXX XXXX, XXXX oh XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681 section 602A. States I have the right to privacy. 

15 U.S.C.1681 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items on information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank seems to have a problem applying my mortgage payment. I have had this mortgage since XX/XX/2019, I live in XXXX XXXX XXXX, and in that time frame TD has failed to post my payment properly, they often interpret it as a double payment even though I stress to the teller my intentions of paying down my principal with the excess money. I go so far as to write in the additional escrow box NONE. I have talked to several customer service " specialists '' and often times they too get it wrong, and I have to take a 3rd step and involve a supervisor, that usually solves the problem, but it is a waste of my time and effort I simply can not afford ; I am a care giver for my elderly and infirm mother, and that if you didn't know is a fulltime job. My last involvement was with a loan specialist named XXXX, she helped me the last time they posted my payment wrong, but I have called her a couple of times and I have gotten no response. It is to the point where it seems like TD is doing this on purpose to deter customers from paying the mortgage early. The percentage of times they mess it up is astounding. Please HELP!!