davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (MO)

My name is XXXX XXXX and me and my wife are regular XXXX customers. My wifes credit is currently trapped in limbo. She made a payment on XX/XX/XXXX today is XX/XX/XXXX, we either want our money refunded or our credit to be reflected on our account accordingly. 13 days is plenty of time for credit to be reflected and a payment processed. This is completely unacceptable.
Consumer complaint received 2021-03-29
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. (TX)

I am challenging the information with creditor indigo this creditor has several inaccurate information this is an unverified account. unverified items i have also challenged this creditor the high balance doesn't match XXXX shows {$670.00} others are blank last verified is missing for two bureaus XXXX shows XX/XX/XXXX date of last activity doesn't match XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XXXX date reported is doesn't match XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX closed date XXXX shows XX/XX/XXXX others are blank why are the not showing the same two year payment history XXXX shows nothing Experian is reporting and XXXX is not
Consumer complaint received 2023-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

I have XXXX small business accounts with XXXX merchant processing : 1. Under email XXXX 2. Under email XXXX Out of nowhere with no notice or explanation, XXXX said that we violated XXXX 's of our agreement with them ( see attached emails ). XXXX of the accounts, # XXXX, they shutdown immediately. The other account, # XXXX, they gave us 30 days to find a new merchant processor. 

XXXX gave XXXX warning, didn't ask for any information and just up and shutdown these accounts with no options to speak to the department. In XXXX of the accounts, I process invoicing and payments for over XXXX customers. While I understand they have a right to cancel my account at anytime, I would like to know the reason why and ask if there is any way to remain a customer.
Consumer complaint received 2021-02-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (OH)

Early in XXXX ( I believe it was XXXX ), I noticed there were some charges made to my bank account. They were for the company in question, MoneyLion. Because the charges were unknown to me and there were other unknown charges made to my account at that time, I had filed a dispute with my bank, XXXX XXXX. I had provided a written statement and signed affidavit to XXXXXXXX XXXX. The charges to my account were removed and once my money was returned to me, I closed the account. Near the end of the process, I inquired if there was anything I needed to do with the offending company. XXXXXXXX XXXX said no. 

On XX/XX/XXXX, I had started the preapproval process for a home loan. It was at this time I had discovered that MoneyLion had reported that a loan taken out in my name without my knowledge had been discharged. 

Upon discovering this, on XX/XX/XXXX, I had reached out to MoneyLion to try to resolve the dispute with them. The customer service representative said they would forward the case to their fraud department, who would then call me when further information is needed and also send me paperwork to sign, such as an affidavit. 

As of right now, XX/XX/XXXX, I have not received any phone calls, nor have I received any paperwork from MoneyLion.

They do not seem like they want to correct the issue they caused by not performing due diligence when verifying the identity of borrowers.
Consumer complaint received 2022-07-29
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C.Tech Collections, Inc. (PA)

I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Copy of Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-11-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STATE EMPLOYEES CREDIT UNION (NC)

Promise to pay was made with my ex-wife on a card where she is primary and I am secondary. When ex-wife did not pay, there was no attempt by credit union to contact me about the debt. I have siunce paid the back owed amount and continue to pay the monthly to stay on track. Credit Union will not even talk to me about removing the hits from my report when I have been and was the one that stepped up to fix the problem - ONLY AFTER I was informed.
Consumer complaint received 2022-11-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I have tried to reach out to Carrington mortgage several times to resolve this matter and I got a note back theyre going to wait 60 days, as I stated earlier, they are trying to play a game to try and say I default it. Im also going to the New Jersey division of banking which also governs companies like theirs. I already told them that theyre going to try to go wait till the XXXX of this month and then say Im two months behind, which is not true because the online payment is on the way, and I only owe them to Payments till the end of the year. the evidence has been presented to you also to the FHA to my attorney, the New Jersey XXXX XXXXXXXX, and now Im going to turn over this information over to the local television programs to expose their fraudulent action. Somebody must stop there on ethical behavior, I want this information published everywhere because Im quite sure they have done this or theyre trying to do it to other people. It does not take 60 days to take some papers from one office to another, as I said, I dont know what goes on in that back room, but about time it gets exposed on the television said they should resolve this matter for me before 60 days. Please publish this information so other people can see how Carrington LLC operates. Perhaps it will be expose on the television first because this is ludicrous no reputable bank or no reputable organization takes that long to do a math problem. they should stop trying to act like loan sharks and start behaving like reputable business people if they go to my attorney by the XXXX I know that they are lying and I have already alerted him and Im also going to the press about this matter.!!!
Consumer complaint received 2024-08-23
Product: Credit reporting 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. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (WI)

I tried to go online to report misinformation on my credit report to Equifax. There is a collection reporting on my report twice for the same account. I had it disputed and removed last month but it appeared again on my report this month. Trying to dispute it online for the second time it said I was locked out on my account and had to call them. After getting completely frustrated by the automated system I was finally able to get someone on the phone. The representative took all of my sensitive information then asked me 2 impossible questions to answer as there are multiple answers to both. This then got me locked out of my account. Now they expect me to mail more sensitive information to prove who I am because their system and employees can't get into the account. This is a ridiculous practice as they couldn't get me unlocked or back to an online status to be able to file online! Yet I'm expected to give even more information for them to XXXX up me account! These people are allowed to have access to people 's credit reporting?? They can't even help you over the phone or online! Expect you to keep jumping through hoops to prove your identity over questions with impossible answers because there are possible multiple responses!!! Get it wrong and now you are out until you do more!! What good is it to have a call center to help then!? This is UNBELIEVEABLE to me!!!!!! Online it gives you options to choose from but over the phone it's guess the answer and hope you're right or get locked out of your own account until you provide all this paper information and pay for the postage while you're at it?! There has to be some sort of standard because I had the same issue with XXXX and XXXX  yet it was not this difficult to clear up!!! Nor have I had these issues getting into my own file!!
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: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( 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 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
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (AZ)

My Loan Servicer ( Union Home Mortgage Corp ) paid my former and terminated previous homeowners insurance company ( XXXX ) with a payment XXXX requested a year after service has been terminated with them. I had refinanced my mortgage back in XX/XX/2020 and changed homeowners insurance to XXXX XXXX. Therefore my current homeowners insurance carrier ( XXXX XXXX ) was not paid and sent me a " Important Expiration Notice '' effect XXXX. I currently do not have any homeowners insurance coverage or proof of coverage as a result. 

I addressed this immediately upon receipt of my mail on XXXX by phone calls to my current homeowners insurance company, Loan Servicer and provided copies of all documents. 

One week later and the Loan Servicer is requiring me to request a Refund from my former Homeowners Insurance Company. 

As a courtesy I have provided copies, emails and phone calls to my former homeowners insurance carrier ( XXXX ) and current homeowner insurance carrier ( XXXX )
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (MN)

On XX/XX/2020 I deposited {$1000.00} check from my wifes checking account from another bank. 
Normally when I do this, {$100.00} is available immediately, and the other {$900.00} is available the next day. 
The next day, all {$1000.00} was showing as credit, and my mortgage payment showed as paid with a remaining balance of {$33.00}. 
All seemed fine, then at XXXX I tried to use my debit card and it was declined. 
I logged into my online bank and see that my balance is - {$860.00}. 
The bank is closed, so I have to deal with it the next day. 

The first thing I do is call the XXXX # because the branch isnt open yet. They say there was a hold on the check because my wifes bank refused the withdrawal, and they would need release documents from them to reverse the hold. 

My wife and I get the document from her bank, along with additional information that they NEVER refused payment on the check. 

We brought this information to a TCF branch location and spoke with a Bank Supervisor. 
She looks into the situation while we wait at the teller station. 
She returns, saying her Loss Prevention Supervisor said that my wifes bank reported insufficient funds. 
We showed her the paperwork proving that wasnt true, along with contact information for my wifes bank to confirm that the Loss Prevention Supervisor made a mistake. 

We were there over an hour- they wouldnt even TRY calling the other bank. Just said over and over they refused it. 
We left after they said they would continue to work on it and call us. 

In the meantime, we called my wifes bank AGAIN just to confirm AGAIN that they never refused the check, and they have no record of ever giving TCF insufficient fund information. 

When TCF called me later and continued to state that the other bank refused to pay the check and it is on a HARD HOLD until XX/XX/XXXX. 

Meanwhile, they sent my mortgage payment back and I had to go pay that in person. 
It was never resolved, and one year later I am still trying to get help with this.
Consumer complaint received 2022-07-22
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 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 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 im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-21
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 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 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 im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.