davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (OR)

Credit Karma kept sending me pre-approved offers in a time when I was desperate due to unexpected XXXX  expenses. I applied for many and was rejected for all. Lowering my score by nearly XXXX points! My power was shut off and now I have so many inquiries, nobody wants to worry with me. 
Some credit card companies even ran my credit for multiple cards!! I have like XXXX inquiries and agreed to XXXX.
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. (TX)

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 2020-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Around XXXX XXXX XX/XX/2020 i tried filing an online dispute with multiple items. Each time I attempted to submit the dispute the system timed out with an error code of " temporary system error. '' I thought this might be due to batch processing during early morning hours. Around XXXX hours on XXXX XX/XX/2020 I proceeded to do the same thing and encountered the same error. It was only AFTER limiting the amount of items to two ( 2 ) items that TransUnion 's system successfully processed the dispute. However, attempts to submit additional disputes online is barred until the investigation for the currently disputed items has finished. What this means is that TransUnion is limiting the amount of the disputes any individual is allowed to dispute within any thirty ( 30 ) day period. Given the nature of the current pandemic the turnaround time for processing and resolving a dispute is in excess of the thirty ( 30 ) day time-frame. TransUnion is attempting to regulate, and minimize my right of notice and opportunity to be heard and are effectively abridging my rights of due process granted to me by the FCRA. The harm is that additional items that may need to be disputed remain unresolved and in my credit file, lowering my credit score and adversely affecting my ability to secure lines of credit at a time when many individuals are experiencing financial strain.
Consumer complaint received 2023-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NH)

I applied for NH Homeowner Assistance Fund ( HAF ) on XX/XX/XXXX ( I previously had help from them on XX/XX/XXXX to pay my mortgage ). On XX/XX/XXXX my application went into review. XXXX came around and it was still in review so i contacted HAF to see the status of my case. I was informed that I was approved, but M & T bank, my mortgage holder failed to fill out the amount past due on the V Record, causing it to fail. I have been calling weekly, both M & T and HAF and the same thing. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX twice M & T sent failing ( missing information ) V Records to HAF. HAF keeps telling me that they have been prepared to pay ( now including XXXX payment ) since XXXX, but M & T is keeping me from receiving my right to a federal grant. M & T has since been sending me foreclosure letters/default letters. I feel like they are trying to get me to take a higher percent mortgage redo because mine is only at 3.4 % right now. Everytime I speak with M & T now they record me saying I can not bring my account current today. I know M & T knows how to fill out the V Record correctly because they have already received payment from HAF for me. I feel M & T is being unethical and trying to strong arm us. Please help, I have already put in a complaint to the NH banking Department, which sent me to The NY state Department of financial services, which has now sent me to here.
Consumer complaint received 2021-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TN)

Hunter Warfield sent a collections letter to a fictitious address with misspelled name and other mismatched details to me. Then placed this item on my consumer credit report ( s ). I contacted them to provide my correct address/phone information & request validation and verification. Never received any validation or verification. Contacted again by email approx. a month later to launch ID theft dispute. Company requested two forms of ID. I sent a letter detailing the ID theft, photos of state and federal identity documents, FTC Identity Theft Report, and FTC notice to data furnishers letter. I sent several follow-up letters ; however, they will not remove the accounts and meet their obligation under the law. Disputed with XXXX  agency under FCRA, when XXXX contact collections agency they provided the details I used to initiate fraud claim to also substantiate initial debt reporting. Put simply, they verified the debt with information they requested from me to dispute it. I am forwarding a copy of this complaint to the XXXX  XXXX XXXX XXXX to compel a response from Hunter Warfield within 20 days, per XXXX  website their counsel will review both parties documentation, make a determination and consider appropriate action against agency. This report is now submitted for reference and resolution of account reporting concerns.
Consumer complaint received 2021-01-09
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: U.S. Auto Sales Inc. (GA)

Creditor sold stolen/damaged vehicle to car auction on XX/XX/XXXX. Was supposed to be covered under insurance when police released stolen vehicle back to creditor US Auto. Creditor sold car to XXXX XXXX, but reported wrongly to credit bureau that this vehicle was a repo on my credit in XX/XX/XXXX when they sold the car and recovered insurance money as a profit. I never had the car pass 30 days to even pay off pick up payments to complete deal on car before it was stolen, totalled, and recovered by the police. US Auto reported this as a repossession on a loan that was never completed and after they had already sold the car to a third party. This should not be on my credit as a repossession for a stolen vehicle that they fully recovered all monies through insurance and still sold the car to an auction double dipping on sales.
Consumer complaint received 2019-03-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC. (GA)

I opened two CD accounts with this bank. I funded both CD accounts on same day.This bank was not sending me my details of accounts by mail.I called their customer service, spoke to MR.XXXX  & MR. XXXX. They were rude in behavior. Customer service of this bank was very bad.I was holding more than 15 mins before some body comes on phone. They do not have any respect for customer time.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

i have submitted multiple disputes to the 3 credit bureaus as well as XXXX XXXX and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....
Consumer complaint received 2021-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

On XX/XX/XXXX I received an alert about a collection account reported on my credit history from I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$65.00}, Date Updated:XXXX Amount : {$65.00} Original Creditor : XXXX XXXX XXXX  Past Due : > XXXX XXXX XXXX Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; AFFCTD BY NTRL/DCLRD DISASTR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I looked up the debt collectors ' information and I gave them a call. They informed me about an electrical bill that is past due to XXXX XXXX, from an address that I never resided at. I informed them that I don't know anything about this bill, never received any debt demanding letters nor any bills from XXXX XXXX or from IC Systems Collections and I asked them to remove their false report from my Credit History. Immediately I called XXXX XXXX, I was worried about my personnel information being compromised. XXXX XXXX was not able to find an account in my name either. I informed IC SYSTEMS Collections about XXXX XXXX not being able to find an account under my name. They said that they have to validate the debt with their client. In this case, I asked IC SYSTEMS COLLECTIONS to remove any collection records from my Credit Report, since they are not able to validate the debt. AT the moment, I am in process of buying a house. The IC Systems Collections refuses to remove their collection record from my Credit Report. IC SYSTEMS COLLECTIONS committed an unfair and illegal act which violates my rights under Fair Debt Collection Practices Act, 808 and 809. I asked for your assistance in resolving this matter. Thank You
Consumer complaint received 2021-10-19
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. (MD)

I recently checked my credit report and noticed some inaccuracies on my credit profile. These inaccuracies have prevented me from getting approved for an apartment and now i am homeless and desperately need a place to stay. I am going thru an ongoing divorce and have lost everything.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had an account opened through unemployment to receive my funds. I 1st had someone steal {$300.00} off of my card on XX/XX/XXXX. I called, filed a claim, than I got a letter in the mail from the bank saying they closed the claim due to fraudulent activity, So I called again, the woman said that they escalated my claim and she wasnt sure why it was closed out. I never received that money back ... Than I had my card stolen again on XX/XX/15 so I called in to tell them, and they sent me a new card. When I called to activate the card they are saying my account is closed/frozen and that I need to get into contact with XXXX to receive funds again. Now the issue here is that XXXX is still releasing the funds to me to that account at Bank of America and Bank of America wont even let me into my account to see or anything. Its been a game of tag back and forth so not only did they not provide me even an investigation or my {$300.00} back but than on top of that they wont let me access the funds that are being deposited into my account!!! Many people are having this problem and I dont know what to do with it.
Consumer complaint received 2021-01-09
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. (OH)

I previously submitted a dispute with regard to an inaccurate item on my credit report. The unverified item listed below remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? This account does not belong to me. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or removed immediately : XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (DE)

Over 10 years ago, we had an issue with an account with XXXX. We used an account with them to purchase a computer for our daughter, but it was paid off within a few years. Then, we started getting collection calls and letters about charges on the account we did not make. It took us over XXXX years to finally get the account off our credit report. 

Last month, we received notice the account had been " sold '' to a collection agency. We immediately reached out to let them know that this account was well over the statute of limitations and had been deemed not to be ours a decade ago. 

Today, we got a letter from Credit Control LLC demanding payment even though their letter indicates the debt can not be collected and is past the statute of limitations for a lawsuit. This is predatory debt collection as we proved XXXX years ago we did not owe this money.
Consumer complaint received 2020-12-22
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. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

DATE : XX/XX/XXXX D.O.B. XX/XX/XXXX Name : XXXX XXXX XXXX SS # XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX Whom It May Concern : This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address : XXXX XXXX XXXX, XXXX, FL XXXX SINCE XX/XX/XXXX Please also update my new phone No. 

Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # XXXX XXXX {$1300.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$1300.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$950.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$950.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$910.00} Date XX/XX/XXXX Creditor : XXXX XXXX XXXX ACCT # - XXXX {$790.00} Date : XX/XX/XXXX Creditor : XXXX ACCT # - XXXX {$570.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX ACCT # - XXXX {$300.00} Requested Correction : Please update any and all information to my credit reports and, take notice I have sent all the necessary evidence to support my claim ; therefore, I expect swift result on your part. 

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete and correct any and all the item accordingly.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. 

Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

Sincerely, Name : XXXX XXXX XXXX
Consumer complaint received 2019-08-31
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. (CA)

THIS COMPLAINT IS REGARDING ACCOUNT NO. 
XXXX, A XXXX XXXX ACCOUNT CLOSED BY THE GRANTOR IN XX/XX/XXXX. 
DEAR MR XXXX XXXX, CEO I HAVE SOME UNFORTUNATE NEWS REGARDING YOUR COMPANY : YOU HAVE EMPLOYED AN XXXX WHO ANSWERED THE LAST XX/XX/XXXX CFPB COMPLAINT WITH 31 PAGES OF  XXXX.YOUR EMPLOYEE IS THE ONLY ONE WINNING, DRAWING A SALARY FROM YOU FOR INEPT, CONFUSED RESPONSES TO THE CFPB. 
THESE ARE THE SIMPLE FACTS : I HAD ABOUT 500 DOLLARS IN CHARGES MADE BY SOMEONE ELSE WHO WRONGFULLY GOT A HOLD OF MY PRIVATE ACCOUNT INFORMATION AND CREATED A FRAUD AGAINST YOU AND ME.YOU FORGAVE THE DEBT, WROTE IT OFF OR WHATEVER ... ... ... ..YET YOU ARE HOLDING ME RESPONSIBLE FOR 30,60,90,120 DAY LATES ON AN ACCOUNT YOU PAID OR FORGAVE OR WROTE OFF DUE TO THE FRAUD. 
THIS MAKES NO SENSE WHATSOEVER. 
I HAVE 50 YEARS OF PERFECT CREDIT OTHER THAN THIS ACCOUNT.I HAVE XXXX AND AM BUSY FIGHTING IT.IM SORRY YOU, MR XXXX HAVE HIRED A CONFUSED XXXX BUT THE BUCK STOPS WITH YOU. 
PLEASE TAKE CARE OF THIS, I HAVE ATTACHED MY FTC IDENTITY THEFT REPORT REGARDING THIS ACCOUNT. 
SINCERELY, XXXX XXXX
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

For the second time XXXX XXXX inaccurately reports mortage balance higher than actual balance. By inflating the existing balance in addition to the new escrow balance, they report an inflated balance to credit reporting agencies while reporting the actual balance to customer. When challenged on why they do it they say its to benefit the customer, but often fall short of specifying how.
Consumer complaint received 2020-12-22
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: Block, Inc. (MD)

Hi : I attempted to make a purchase with XXXX on XX/XX/2020. Cash app declined the debit at first and then processed it on XX/XX/2020. Then XXXX cancelled the reservation. However, it was after the time, so they were obligated to pay for the difference in me finding another place. 

Cash App just took XXXX out of my account claiming they reverse a claim for XXXX. I did not file a claim concerning a XXXX charge because I worked things out with them. They provided a refund for the amount they owed me and now this money was therefore fraudulently taken from my account. I have sent numerous e-mails and messages asking for a call to discuss this mater and I keep getting e-mails with in accurate information. 

I am requesting the XXXX is placed back into my account immediately. 

Thank you for your assistance in this matter