davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC (CA)

I 'm receiving calls from XXXX and XXXX claim to Nation Credit Adjusters.When you call the number, they transfer you either to an off-shore call center or XXXX on the east coast. saying I owe money I have a recently discharged bankruptcy and all of my legitimate lenders were notified. they call family and friends and I do n't know how they get the information!
Consumer complaint received 2022-08-15
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 2020-07-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tebo Financial Services, Inc. (OH)

I filed a dispute with the credit bureau XX/XX/XXXX. They came back showing that I was right. They stopped reporting for a couple months but it has started back up again. They are reporting it as being late 30,60 days late. I filed another dispute today XXXXMy mom was the main person on this loan. They are reporting on my credit every month as if we still have the car. The car was repossessed before she passed away.My mom passed away two in a half years ago. The last payment was made on the car XXXX of XXXX
Consumer complaint received 2020-07-07
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. (CA)

XXXX is reporting my accounts late when I am currently in XXXX. I was unable to reach them during the Covid crisis nor was I able to reach my school and now XXXX is basically are saying too bad. 
The following is incorrect : 1. accounts are reporting late 2. accounts reporting closed Furthermore these accounts are reporting on my credit report twice each. 
I do not understand why XXXX is not held to better standards.
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: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2015-07-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC (FL)

Worked with a Mortgage Broker for New Penn Financial to finance a home through FHA since XX/XX/XXXX. Received a pre-approval letter XX/XX/XXXX contingent on credit, income verification and proof of closing funds. Found a home and entered into contract XX/XX/XXXX with an extension to close on XX/XX/XXXX per Seller 's request. On XX/XX/XXXX, after being on three weeks of leave the Mortgage broker states HUD declined application because I was never qualified to begin with. Lost Escrow Down Payment because Mortgage Broker failed to furnish commitment letter/Loan Approval within 30 days of contract. Lost Home Inspection and Appraisal as I never would have paid for these contracts had I known I was not qualified. I was promoted XXXX officially XX/XX/XXXX which is less than one year requirement for income data. Per mortgage broker HUD stated they would have made a 6 month XXXX s ) exception therefore it was no surprise of my financial situation. I had everything on track to close even saving twice the closing cost only to find out I was never qualified. I sent a certified letter requesting reimbursement of money lost and have yet to receive acknowledgement of receipt of letter. Please help.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Several Late Payments '' which is a Transaction has been unlawfully showing on my ConsumeXXXX Report since XXXX, 2020. I have made several attempts to have each of the Credit Agencies XXXX, XXXX, and Experian to abide by the Federal Laws and remove all violations and Identity Theft ( s ) I have found within my Consumer report that I the Original Creditor never granted them the right to do. This has caused several years of mental stress and a huge financial burden on me and my family. I have been denied credit for a new home, cars, and other extensions of my credit due to this negligence. According to the Georgia Fair Business Practices Act ( FBPA ). If a business violates the FBPA, it must provide consumer with actual damages. Additionally, if the courts finds that the business intentionally committed a violation of the law, the consumer would be entitled to three times the amount of their actual damages.

Under the Fair Credit Reporting Agencies ( FCRA ) I in Good Faith exercise my right to compensation -If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of {$1000.00} flat ( no minimum ). Per violation.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (NM)

On XX/XX/XXXX I used WorldRemit ( WR ) Services to transfer to my mom in XXXX {$100.00} of which WR charged me {$2.00} ; The total of {$100.00} was immediately debited from my account through the WR app. On the same day WR notified me that the transaction was pending because the recipient had reached the limit allowed. This transaction remained pending for a couple of days and, on XX/XX/XXXX I requested a cancellation of the transaction ( case # XXXX ) ; I received an email from WR confirming my request to cancel the transaction and that I would be refunded withing 7 working days. On XX/XX/XXXX I emailed WR to follow up on the status of my Refund and I received no response. On XX/XX/XXXX I emailed WR again to follow up on the status of the refund of which they send me a copy of the refund letter. I raised a complaint with my bank ( XXXX XXXX XXXXXXXX ) and told them that I was looking for a refund of {$100.00} ; they could not find it however they did a temporary credit of {$100.00} ( XX/XX/XXXX ) while they were investigating/searching for the credit. On XX/XX/XXXX the bank returned to me to advise that they could not find the credit from WR and they reversed the transaction. I then notified WR that the bank could not locate the credit ; WR asked me contact XXXX pay, XXXX cash to XXXX  for this refund which I did. I emailed WR a copy of the letter from bank advising that there was no credit and I also sent WR a copy of my bank statement to show them that there has been no refund to my account. WR then asked me to contact the bank to obtain a signed letter ; I asked for a signed letter from WR to prove that they credited the money and I never received a signed letter from WR but they expect me to get a signed letter from the bank. On XX/XX/XXXX WR has asked to contact the bank to explain to them about XXXX transaction. I emailed WR to explain that it is not my responsibility to tell the bank how to do their job. 
After several emails and phone calls to WorldRemit, as at today XX/XX/XXXX I have not been refunded of my {$100.00} from WorldRemit. I am disgusted, mad, frustrated, upset and I am recurring to you to see if I can get any help on this case. I am a single mother and {$100.00} is a lot of money on my pocket. Its unfair how I have been treated by WorldRemit in order to get my money back.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX is the worst mortgage lender I've dealt with. The website is dysfunctional ; after calling them on the XXXX last night, the automated information announces that there is a 2 hour wait. I was able to provide my phone # for a call back. That call never came. I again logged on today and tried to reset my password ; no email was transmitted from the company that would allow me to reset my password. This is so ridiculous. I do not recommend using XXXX or Loancare for your mortgage lender. With horrible customer service, they do not deserve our business.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

I have called over 20 times to barclays phone number XXXX. 

I keep asking them to get me to the disputes team but they hang up on purpose. I have mailed all my dispute proofs to the barclay address at XXXX. XXXX XXXX XXXX, DE XXXX. 

They do not want to talk to me nor do they want to resolve my issue.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm filing this complaint because I'm a victim of identity theft and I'm seeing information on my credit report that doesn't belong to me. My personal information is being accessed through the dark web due to data breaches at financial companies and retailers. The following account doesn't belong to me and needs to be removed from my credit report : XXXX XXXX XXXX {$640000.00}, this account is causing me harm and I've tried to request this institution to provide me with documents to show the origin of the account. I also contacted the credit bureaus by certified mail with dispute letters and a copy of an identity theft report, I have done everything I can as a consumer to get this issue addressed, however, this account is still reporting in my credit. Please help me remove this incorrect account asap.
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

My wife ordered some products from XXXX, for the total of XXXX $ I was unaware of the situation. When I found out is too late. I have the recipient email address : XXXX, when I tried to contact the person quickly deleted the profile. All of these happened on XX/XX/2020. I contacted PayPal, and started a claim and see what happens.
Consumer complaint received 2020-07-07
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. (AL)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America advertised a transfer promotional rate of 0 % until XXXX of XXXX. Based on this information, I transferred the amount of {$4500.00} from a different credit card to Bank of America. Bank of America charged me {$130.00} to make this transfer. 
When I received my recent Bank of America statement, it indicated that I am only receiving this promotional rate on {$13000.00} of the balance transfer. 

When I contacted the customer service department of Bank of America, I was only told that the problem would be " reported. '' I believe that Bank of America has fraudulently advertised this offer to improperly induce consumers to transfer balances from other credit cards. It is then only providing the promotional transfer rate to a small part of the transferred amount.
Consumer complaint received 2024-01-19
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: Experian Information Solutions Inc. (MI)

On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that one piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by XXXX, Experian, and XXXX, by failing to review all relevant information provided by XXXX, Experian, and XXXX, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXXXXXX XXXX assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with Experian, XXXX, and XXXX. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ). XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ; referencing 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 2020-07-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (TX)

It seems that this bank BBVA is here in this world to cause troubles to customers and simply will be known in history as world 's most corrupt and customer unfriendly bank. 
Please refer to the prior complaint # XXXX. It was not resolved - external payment is still not resumed for me. 
During this testing times ( COVID-19 pandemic ) -they are causing all sort of troubles to me. 
They want me to go to some ATM or visit their branch to do any transactions. 
Every Savings bank allows up to 6 transactions per statement cycle or month. 
On XXXX XXXX BBVA charged me {$3.00} for doing 5 transactions in a quarter. When i contacted them to fix it - they are telling me some terms and conditions written in fine terms on their website : https : //www.bbvausa.com/disclosure/online-savings.html BBVA is such a shameless and useless bank that i can not express in words
Consumer complaint received 2020-07-07
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

Since XX/XX/XXXX  I have been requesting for Nelnet, my current loan servicer, to complete and return XXXX Data form that is requested by the California XXXX XXXX loan repayment program. I am supposed to receive {$35000.00} to repay my student loan that is supposed to go to Nelnet. I can not receive these funds from the California XXXX XXXX unless Nelnet provides the XXXX Data form. California XXXX XXXX representative has suggested that I escalate the matter since Nelnet has not responded or returned the right form to me since XX/XX/. They provided a W9 form but that is not what I requested. I have called many times with hold time over one hour and then my calls would be disconnect and they have not responded to my emails. I am currently in deferment but being charged interest.
Consumer complaint received 2021-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One ran three hard inquiries without my permission and Ive called five times to seek help. I only got the run around and was told to contact credit bureau. I wouldnt run three hard inquiries in row with same company denying me each time. I was in XXXX when these three inquiries occurred and explained this to capital one. 

Dates of hard inquiries : XX/XX/2021 XX/XX/2021 XX/XX/2021 Company phone number : XXXX
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (WI)

FA Peaks just started reporting to my XXXX  credit report from an account that was allegedly opened 10 years ago. I do not recall ever having an account with FA Peaks. If there was an account opened under my name at that time, this still can not continue to report on my credit report after 7 years as this is a direct violation of my rights under the FCRA and FDCA. I did call them numerous times and they refused to give me any information on this account, refused to let me speak to a manager then hung up on me. I want this REMOVED from my credit report or I will file a lawsuit with FA Peaks (  who is currently in a class action suit for fraud ) and XXXX  for continuing to report inaccurate information. I appreciate your fast and diligent attention to this matter.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Inaccurate address reported, Inaccurate names reported. Continuous validation of debt requested to include original debt owed, contract agreement, verification of identity on file, interest attached to debt, contractual agreement signatures by me. Proof of copy of Identification due to Identity theft, Inaccurate reporting with co loan without my consent. I requested these thing be mailed to me and upon Debt validation several times and advised I would discuss the debt being reported and possible resolution. They could not mail me anything for debt validation because they have no accurate new information on file. Please see your notice Last Mailed Certified XX/XX/ Todays date - Friday, XXXX XXXX XXXXXXXX No response. Please remove from Experian, XXXX, and XXXX. 


The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically.

This information will help you recognize whether the debt is yours and, if not, how to dispute it.

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt
Consumer complaint received 2022-08-15
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

I had a late payment due to financial hardship from Covid-19, i made my payment, and they have closed my account with no notice. There was no notice when i signed up for paypal credit about this, and no notice about a closing account.