davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Skagit Bonded Collectors, LLC (WA)

I had a medical debt that was part of a large amount that I thought I had paid. {$370.00}. I got served for a lawsuit over it, and received the service today, XX/XX/2020. 

The paper works says I owed the {$370.00} to the hospital, and was being charged an additional {$200.00} for legal fees. For a total of {$570.00}. 

I contacted the debt collection agency, SB & C of XXXX XXXX, Washington. I started by saying I wasn't contacted over this. She said " you were contacted at work, and said 'i 'm at work I'll call you back ' and hung up on us '' that probably did happen. If I didn't call back it's because they called from a blocked number. I then said I'd pay the debt. She told me I owed {$900.00}. I said the paperwork only says {$570.00}. she told me there were additional fees. 

We then went back and forth, and I said I'd just pay the {$900.00}, she said I needed to sign a paper forfeiting my legal rights. I said fine, here 's my email. She told me it could only be faxed. I said I don't have a fax machine. She said go to a public place like XXXX and we'll fax it there. I said I have a newborn I can't, I'll just go to the court date and offer to pay it. She said if I did that I'd have a judgement against me. I said but I'd be paying it, she said " I've been doing this 15 years and you'll have a judgement, you aren't special or the first one to try to get out of this stuff. '' Why can a company continue charging me interest and damaging my credit after I've offered to pay it, because they wont accept payment unless I jump through hoops. I even called their attorney 's office, who said they couldn't talk to me, but that she shouldn't have said that, and that no one has a fax anymore.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX, 2015 I called into Bank of America to see why a credit had not been dropped due to processing error by the merchant. I contacted the merchant XXXX XXXX on XXXX XXXX, 2015 to make sure the payment was not processed. I spoke with the resoulitions mananger at XXXX XXXX named XXXX and she made sure the payment was not processed and was immediately refunded to my account. While speaking with Bank of America on XXXX XXXX, 2015 they told me that the payment would drop off in their overnight processing system and any fees associated with the account would be immediately refunded. However as of XXXX XXXX they payment of XXXX has not been dropped of my account and I have incurred over 210 dollars worth of fees because the payment as not dropped due to Bank of America not releasing the funds and steadily charging me outrageous fees. Due to Bank of America not processing the refund accordingly my account is now overdrawn XXXX due to not fault of mine.
Consumer complaint received 2017-03-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX 2012 my home was sold at a trustee sale after it was foreclosed on. I had a second mortgage with Capital One on this property and they are still reporting it as an open account with a balance and are reporting anew 120 day late every month.
Consumer complaint received 2015-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AZ)

On XXXX XXXX, 2015 at approximately XXXX mountain time I contacted XXXX XXXX to speak to someone about making a payment plan on my student loan which I had stopped making payments on due to extreme financial hardship.. The customer service representative that took my call was unprofessional, rude and used bullying tactics and demanding that I pay the amount in full. I repeatedly asked him to stop talking over me so I could explain again to him that I needed a " repayment plan '' or Forbearance agreement forms so I can sit down and figure out what I can do to resolve my situation and pay my debt. I am VERY DISAPPOINTED as I contacted them to try to make a payment plan and just feel like I was abused and shamed. If the calls are truly monitored and recorded you should listen to it. XXXX XXXX - email : XXXXXXXXXXXX, You may contact me for further information if you wish.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I 've been trying to get my free annual credit report from Trans Union for more than a month and still have not received it. I mailed in the form with recommended identification several weeks ago and made numerous attempts online without success. I have also complained directly on the Trans Union website during my last failed online attempt.
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

You have my name down as XXXX, XXXX XXXX - My ex husband from years ago is XXXX XXXX XXXX, his name should NOTot be on my name, my New husband of 12 yrs name is not on my name. Please take the XXXX off my name, we have separate Credit reports
Consumer complaint received 2016-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (NY)

I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX and XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-02-13
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. (MD)

I wrote XXXX XXXX XXXX  to tell them Im opting out. And no longer want them to share my personal information with any credit reporting agencies. They still have not responded.

Also All credit bureaus ( TransUnion, XXXX, XXXX ) are in violation under the privacy act of 1974. Charge offs are considered CERTIFICATE OF INDEBTEDNESS. Which means it is now considered income and must be removed off my credit report. It should have not been there to begin with. Pur 15 U.S. Code 1681n each credit bureau owes me a {$1000.00} Per violation.
Consumer complaint received 2020-10-16
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: Experian Information Solutions Inc. (NV)

There is an abundance of credit inquiries on my Experian, XXXX, and XXXX credit reports that I did not authorize. I have reached out to the credit companies asking for documentation with my signature stating I agreed for these companies to pull my credit and none of them was able to provide any information nor do they have any information for me in their system. My XXXX file is frozen and that is who these credit reporting agencies state they verify the inquiries. I have been a victim of Identity theft for quite some time. If the credit card companies could not verify any information with me I AM 100 % POSITIVE THEY HAVE NOT PHYSICALLY PICKED UP A PHONE TO SPEAK WITH A LIVE PERSON CONCERNING THIS MAJOR PROBLEM. The inquiries that was not authorized are : XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX. Remove these inquiies they are unauthorized.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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. 

XXXX XXXX XX/XX/XXXX {$11000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX  XXXX XX/XX/XXXX {$12000.00} XXXX XXXX  XXXX XX/XX/XXXX {$15000.00} XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} XXXX XXXX  XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX XX/XX/XXXX {$34000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$7200.00}, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681x. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

I wrote this agency XX/XX/XXXX with complaints against Ocwen Loan Servicing. They responded at that time with assistance. Since that time their costumer service toward me and my family has decreased significantly. Today XX/XX/XXXX I checked my credit report and found my credit score has decreased XXXX points in the ast month due to reporting of Ocwen. At this time I am requesting they cease faulty reporting of payments. I contacted them XX/XX/XXXX to request a change in the payment date of the loan but they refused. Ocwen has continued to provide poor servicing of this loan since they received in in the bankruptcy of GMAC. It is unfair to have your credit screwed up by these incompetent individuals.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

To whom it may concern, This has been an on going battle which was resolved when I originally filed a complaint against XXXX XXXX XXXX for an XXXX account that they alleged I owed them {$1800.00}. I filed a complaint thru your agency and these are the case number provided and the end result was all 3 credit bureaus deleted the derogatory remark on my credit report. The file number is XXXX, XXXX, and XXXX. I was satisfied with the outcome however I get another credit alert that my credit report was flagged by another debt collection agency for the same exact XXXX account. The name of that debt collection agency is called XXXX XXXX XXXX. How is it possible that one minute it was resolved and another minute another debt collection agency flagging my credit file for the same exact mobile carrier account? I would like your agency to review the file complaint listed above and please notify this new debt collection of this matter and to delete immediately from my credit file. Thank you.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

Penny Mac was sent a Notice of Error and Request for Postponement of Foreclosure Sale for XXXX XXXX. The Notice of Error advised PennyMac that it had failed to send XXXX XXXX the required Post Foreclosure Referral Notice and had failed to provide XXXX XXXX with a proper loan modification review. The Notice requested postponement of the foreclosure sale to complete said loan modification review. PennyMac is proceeding with foreclosure.
Consumer complaint received 2022-07-19
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. (GA)

I have been trying to improve my credit and I have disputed a public record XXXX  XXXX discharged bankruptcy Ref XXXX with Experian Credit and I have yet to be able to resolve. It shows the bankruptcy as discharged with a file date of XX/XX/XXXX and resolved XX/XX/XXXX. I also disputed this same account with XXXX and XXXX who have removed the item from public record. Experian investigated and informed me " this item remained unchanged from our processing of your dispute in XX/XX/XXXX. On record until XX/XX/XXXX ''. I have not been able to dispute the account on my public record since XXXX.
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Bureau of America Ltd. (CA)

I have contacted XXXX XXXX 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account NumberXXXX
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MD)

I have 2 loans with Selene thy modified one loan and continue to tell me that I never submitted documentation to do a modification. I submitted all documents at the same time to the same company. Why are they refusing to modify loan XXXX when they recently modified loan XXXX. Covid caused my income to decline and I am attempting to get my loan modified due to Covid.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credence Resource Management, LLC (GA)

On XX/XX/2017 I checked my credit and noticed that Credence was listed on my report. On XX/XX/2017 I received a settlement offer letter. I never received a letter with notification of this debt or my right to dispute. Once I obtained this letter I did go ahead and send out a validation of debt letter to the company. Thus far I have not heard anything back.
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion has XXXX XXXX Bank on my Credit Report and XXXX XXXX Bank has been paid in full and on time. TransUnion is still showing I owe XXXX XXXX bank {$260.00} and I should have a Zero Balance. I have informed TransUnion about this matter to no avail. I want an Investigation into TransUnion because only are also Guilty of Discrimination in Reporting of their Credit Score.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Wexford & James LLC (IL)

Received a call from an XXXX first an automated machine said to have my legal counsel contact them and I waited to get someone on the phone the lady answered and said that the companythey where calling from was Wexford refused to give address said they were sending the police to get me and that I was charged with theft of services tied to my social but would not tell me more other than I better send her money Woman refused to give details or an address I hung up they called repeatedly XXXX times after with in seconds of each call
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i am making this complaint to the CFPB because Transunion has violated my rights as a consumer which is detailed in the attachment I am the victim identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-16
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. (MS)

DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX.
Consumer complaint received 2015-07-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC (MD)

Dear Sir, I have submitted a written request to Central Credit Services for the validation of debt. I have yet to receive the information requested in writing. The request was sent on XXXX/XXXX/15 and accepted on XXXX/XXXX/15. Prior to the written request, I have had XXXX verbal communications with the collection agency. I believe that they are in violation in a number of statutes and my credit profile should be expunged of these items.
Consumer complaint received 2016-11-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIRST HERITAGE CREDIT LLC (NJ)

I am being harassed by a company called 1st Heritage credit out of XXXX Tennessee XXXX for an account my father owns. They are making threats to my wife and I stating we are liable for my fathers debt and our credit will be affected and our house will be repossessed. They are constantly calling my phone mumber demanding payment. They recently called my in laws demanding payment as well. The debt owed is between them and the my father and these threats need to stop.
Consumer complaint received 2022-01-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America is handling the Nevada Unemployment Insurance ( Debit Card ) Unemployment is paying me every week normal since I got Laid off from my employer.

Bank of America made a mistake with their system and they took credits that was provided due to a dispute.

I been calling Bank of America several times because my Unemployment Debit Card is overdrawn and my weekly benefit is covering negative balance. I been almost 3 weeks and they dont resolve the issue in my account, when I call the Fraud or Dispute depto in Bank of America Unemployment Debit card, I have to wait 4 or 5 hours on the line and when I get a agent or supervisor on the line they lie to me all the time.
They said that they dont work holidays or weekends, but there is many people including me affected by their system errors without paying bills or eating and Unemployment agency is depositing every week but Bank of America overdraft my account and my money is covering that negative balance as I mentioned before.
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Applied for Capital One Business Green Spark Card Online. Online Advertising for the Card suggests high credit limits to induce business owners to apply. Nothing in the application process suggests credit limits or informs you of prequalified limits and as a result processes application including credit check ( negative for/ on credit score ). Credit gets approved for {$5000.00} which is useless for a business my size ( we look to spend $ XXXX-XXXX using card ). Now, I have a useless card and negative with credit bureaus for applying.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX