davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

I am unable to access my account when on an airplane. Every time I try, the bank requires two-factor authentication but the only options for authentication are a phone call or XXXX message. When flying, neither of these options are allowed ; I can not receive XXXX or phone calls over the airline Wi-Fi . TD could easily solve this by allowing authentication via email, or a data message ( eg, XXXX ) but they have refused despite my request.
Consumer complaint received 2022-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (MI)

I spoke with XXXX about paying a bill off and paid the bill in full. This was confirmed by XXXX. They then sold a {$6.00} balance to Cenvergent Outscouring who added this to my report in spite of my good faith effort to pay the account off when XXXX gave me the balance to resolve this account before it went to collections.
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (SC)

The property tax department overpaid my 2023 Property taxes by {$10000.00}, creating an escrow shortfall. The overpayment will double by monthly mortgage payment from {$2300.00} per month to {$4600.00} per month while the Property tax department works on getting the overpayment refunded from my county.

This process could take months and in the meantime this increase will cause financial hardship to me and my family. 

How could such an overpayment {$16000.00} paid versus {$6500.00} due be made without someone flagging this through the internal control process of this group? 

This is a complete failure in the property tax department 's internal controls and management should be held responsible.
Consumer complaint received 2022-12-30
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-09-20
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion 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 are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

on XX/XX/2022 I SENT OUT A VERIFICATION LETTER AND A VALIDATION LETTER AND THEY SENT BACK LETTER ON XX/XX/2022 STATING THAT THEY CLIENT HAD VERIFIED IT WITH THE CLIENT AD SENT A BILL AS VERIFICATION .... ON XX/XX/2022 I SENT A LETTER ASKING THEM TO PROVIDE ME METHOD THEY USED TO VERIFY ..... I ALSO ASKED FOR THEM TO SEND ME ALL DOCUMENTATION WITH MY SIGNATURE ON IT ... .... AND THEY CONTINUE TO SEND THE SAME BILL SAYING THAT IS HAS BEEN VERIFIED BUT NO DOCUMENTATION TO SUPPORT THE DEBT
Consumer complaint received 2020-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (NY)

It all started after I closed my account with XXXX wireless on XX/XX/XXXX Ive been receiving emails and letters and calls from a debt collection agency called sequium asset solutions. I tried calling this company and XXXX bud never to get through to anyone. They never answer their phones so I assumed it was false or scammers. I was under the impression that it wasnt real because I contacted XXXX months ago back in XXXX and I was assure that I should ignore it and my credit would not be ruined by them. After I closed out my account the XXXX XXXX assured me my account would be zeroed out and I have no financial obligations to XXXX being that I did not have a contract with them I brought over my own phone and I was on a month to month plan. The reason I closed my account was because from the date of XXXX XXXX XX/XX/XXXX of closing my account it has been nothing but a mess I could not access my phone I could make or receive calls I had zero data usage where I can show proof of and not only that an agent took it upon his/herself to upgrade my plan to a more expensive one because they thought it would be better for me and better data usage so I was credited {$40.00} for the inconvenience. From them I was not comfortable keep this account open. I should noticed when they threaten to send my account to debt collectors and  ruin my credit when I was in good standing with them when it was the company who was at fault the entire time I was in full compliance with them. I have proof to show the hours on the phone with them and emails and constantly contacting them. I was even sent emails saying that I never used my line upon opening the account with them. Any how I was told by the agent that I should ignore the monthly bills and letters because XXXX was in the wrong and the account is close theyre should be no active bill. So Im utterly confused as in to why they ruin my credit and sold my information wrongfully to a debt collection agency who dont even have the decency to answer their phone. This is not right I was even told legal actions will be taken against me if I dont pay off the debt. This is downright outrageous! Whats even worst is XXXX refusing to speak with me about the matter at hand. After ruining my credit. All of this was occurring during the Covid-19 pandemic at a time where Im supposed to focused on the safety of my family and myself this occurred? Great job XXXX and Sequium Asset Solutions!
Consumer complaint received 2022-07-08
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: CORELOGIC INC (IL)

In accordance to the Fair Credit Report Act XXXX XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX of XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

I should have ONE name, ONE date of birth, and ONE address
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is an account that was never. I've tried several times to have TransUnion remove this from my credit file. As of today it is still showing as a delinquent account. This has hurt my credit score as well as having an effect on me moving forward to seek any loans or new credit cards. Creditor is XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX XXXX account # XXXX. I would like this removed from my file immediately. Thank you!!!
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I filed a dispute with Experian, XXXX, and XXXX about inaccurate reported late payments, I uploaded a XXXX bank statements to validate my dispute, yet no action was taken on my behalf.
Consumer complaint received 2020-07-11
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: DISCOVER BANK (TX)

Took wife 's car to the dealership for services picked the car up paid using our DISCOVER CC She was driving to work wife noticed there were issues with said repairs. The car shook violently radiator recovery bottle was empty and tires were not rotated. Paid for rotate n balance-oil change and alignment contacted dealership immediately via phone-voice mails emails and none were replied to so on wifes next day off ( XXXX XXXX XXXX XXXX ) Had to take her car to a different shop after seeing what they didnt do correctly and things they didn't do at all and the fact they were ignoring all the emails and voice mails I was leaving. Upon having to pay for the same services again I threatened reviews and chargeback to the dealership and I get a response and was told to send them the invoice and they would send me a check ( have email ) Well they never did so I disputed the charge, XXXX closed the dispute saying dealership sent them a signed invoice even with all the documentation I sent showing paying for same items on the same car 5 days later. Service`s were not performed correctly and some not even done. So I call XXXX again on XX/XX/2020 and was told if I sent the email with the service manager telling me about a refund they would dispute that amount. So today XX/XX/2020 I call and I am told its good I sent that in but there is nothing they can do.
Consumer complaint received 2022-09-26
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. (WI)

After speaking with Equifax and addressing my issue that I have a collection from XXXX XXXX that started reporting on XX/XX/22. I have spoke to them via phone to inform Equifax I wanted this removed on the grounds that its a violation of my consumer rights per 15 usc 1681 602a which states I have the right to privacy. Also informed Equifax that they were also in violation of 15 usc 1604 which states that Equifax needs my written instruction to furnish anything on my consumer report. 
Most importantly Equifax has also violated their own data sharing policy which states as well that Equifax needs the consumers written instruction to furnish items on the consumers report
Consumer complaint received 2019-11-10
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: American Collections Enterprise, Inc. (MD)

I filed a dispute with XXXX on XX/XX/XXXX regarding incorrect reporting by American Collections Enterprises for an outstanding debt of {$260.00} dating back to XX/XX/XXXX. This is the result of an outstanding medical bill from XXXX XXXX. I provided support stating there was an outstanding balance of {$190.00} which was paid directly to the company. A copy of the invoice, check and bank statement showing the check cleared was provided however on On XX/XX/XXXX, XXXX stated their investigation verified the debt. I called the original debtor and they stated they had received payment for the original debt. Therefore this should be removed from my credit report. 

I never heard nor received any information from American Collections Enterprises and XXXX XXXX should have notified them that they received payment.
Consumer complaint received 2022-09-12
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2023, I cashed a check drawn from Wells Fargo bank at Wells Fargo bank branch XXXX XXXX at XXXX XXXX. I was told that I would be charged {$7.00} to cash the check. I argued that the check was drawn on Wells Fargo. The clerk refused to cash the check unless the {$7.00} was paid. The clerk informed me that they passed the cost to the consumer because the company that prints the checks would not pay a fee for processing the check. I had to cash it because Im from out of town and dont want to use check cashing companies. I feel that there should not be any fee for cashing a Wells Fargo check in a Wells Fargo bank. XXXX, Florida is where this branch is located.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-07-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CLGF Holdco 1, LLC (GA)

Genesis FS services refuses to remove the block that has been places on mydestiny card account. 
Account has had block prohibiting me from using it block was supposedly for a returned payment from my bank account that was forced to be closed by institution due to unauthorized activity on my account. The returned payment on questions was a additional payment submitted in error after a duplicate payment was entered and despite several attempts to rectify those matter Genesis FS card services refuses to remove block. I had additional made several payments to mydestiny card accounts eventhough no minimum payment is due and credit limit well under 50 % utilization.in additional to not being able to access my credit I have been discriminated against after previous complaints regarding mydestiny card card and Indigo credit card both owned by Genesis FS card servicXXXX and because of complaint submitted against Genesis FS card service. Genesis has closed my Indigo credit card account with out any notices or verified reason and has blocked mydestiny card despite account being in good standing this proves discriminating and retaliation against a consumer exercising consumer protection put forth to protect consumers from the bias and unjust practice from creditors that I am currently experiencing and I would like to respectfully request this complaint to be made available even if just for a reference in order to strive for the protection and obtain unbiased credit instruments design to help uplift our society amd justice for which it stands