davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account in question is reporting different on all three credit Bureaus. The information is inaccurate and the debt has been reporting for 7+ years and causing me to not receive credit approvals. I am stuck with denial after denial. 

Account ( s ) in question are : XXXX XXXX XXXX XXXX - Closed - Debt Charged of and then I paid Debt Settled to delete. Never happened. 
Transunion Acct # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( Date of First Delinquency XX/XX/2016 ) still reporting negative and preventing me from getting new credit. 

XXXX # XXXX- Still reporting negative to date. 


XXXX XXXX XXXX - Closed - Debt Charged off and then I Paid to settle debt owed and was lied to by rep that it would be a pay to delete. After payment never deleted and now XXXX doesn't do paid for delete. 

This should be illegal get money or tax write off for charge off, lie about settlement pay to delete and the credit bureaus are still reporting negative information.
Consumer complaint received 2021-09-07
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: STERLING JEWELERS, INC. (PA)

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. The account KAY JEWELERS/XXXX  Account Number XXXX Opened XX/XX/2018, is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (FL)

On XX/XX/2022, I moved out of XXXX XXXX XXXX in XXXX, Florida. I lived at XXXX XXXX XXXX, formerly XXXX XXXX XXXX and XXXX XXXX XXXX, for five years and was never once late in paying my rent. Upon termination of my lease on XX/XX/2022, I was informed that I owed {$110.00} in utilities for the month of XXXX and immediately paid that amount by check # XXXX, from my checking account at XXXXXXXX XXXX, and mailed it to XXXX XXXX XXXX On XX/XX/2022, I received a letter from IQ Data International , Inc. indicating that the amount was turned over to a collection agency. I immediately called XXXX XXXX XXXX  and spoke to XXXX XXXX XXXX XXXX who indicated that she had received the check, the check was in her hand, but that she turned the amount over to a collection agency anyway, just for fun. This should be a crime. Now, I am dealing with constant telephone calls from a collection agency, for an amount that was paid immediately upon notification. I am not sure I blame the collection agency so much as I do XXXX XXXX XXXX The staff at XXXX XXXX XXXX has gone downhill since it was replaced by XXXX XXXX. They do not care about their tenants at all.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Consumer complaint received 2021-04-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am never late missing a payment to XXXX XXXX on my car loan. I set up Auto Pay when I first got the loan. I have been on Auto Pay ever since and have never had to worry about my car payment. The bank account that I use, I use solely for bills. I have money direct deposited in, and then auto pay kicks in for my bills to pay each time every month. I have never missed a payment. I don't check my bank account very often, since it is a working flow of payments. I decided to check my bank account one day, and realized that my car payment had not been taken out of the account for the past few months. Worried and concerned, I quickly logged into my XXXX XXXX account and saw that the Auto Pay had been turned off automatically. I never gave XXXX XXXX permission to turn off the Auto Pay feature. I was not notified that the Auto Pay feature had been turned off, and was not aware that my bill was overdue. I did not receive a letter in the mail, or a phone call to notify me that my statement was overdue. I had no idea that I was behind on my monthly payments. As soon as I discovered this myself, I paid the full overdue balance and re-enrolled myself on the Auto Refill Program.

Fast forward, and I found out that my credit score dropped 68 points, and my father 's credit score ( who cosigned on the loan ), dropped 116 points! We were extremely upset that this was all due to the Auto Pay being turned off without knowing, and the missed payment on the account.

I called XXXX XXXX XXXXnd they told me there was nothing they could do about it. They said I was notified via email from " XXXX XXXX '' that the Auto Pay was shut off. I checked my email inbox, spam and junk folders, and I never received an email from XXXX XXXX. They told me that I turned off the Auto Pay on XX/XX/2020 and that a confirmation email was sent to me. I never turned off the Auto Pay and never received any emails from XXXX XXXX to notify me that Auto Pay was turned off. Of course, I told them I was extremely upset, because if I knew I turned off Auto Pay, I would have paid my bill right then. 

They told me that there was nothing I can do to dispute the derogatory mark on my credit report, due to me not paying my bill on time. I am extremely upset because I have never missed a payment in my life, and now my credit score and my father 's credit score have been extremely impacted, since XXXX XXXX  did not communicate with me that the Auto Pay was turned off. This will affect our credit scores for years to come, and impact our interest rates if we ever want to buy a home or a car.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO Bank, N.A. ()

I am writing this letter because I have a problem with XXXX and BMO harris bank because none of these tried to help me and I dont know whats going on I made a deposit in BMO bank for my broker " XXXX '' like two weeks ago when I was in XXXX visiting my family and the problem is that my broker " XXXX '' didnt accepted that deposit I mean they dont accepted the deposit that I made at the bank BMO HARRIS BANK XXXX and they told me that the money was given back but I dont know how is posible because I have no account with BMO I just made a deposit in cash and that is it SO XXXX WHO I made the deposit for SAYS there is no money at my XXXX account and BMO says that the money ( {$2400.00} USD ) is in my XXXX account and they can not give me back so I dont know what to do because I already returned to XXXX and is complicated for me to go back to USA so if you can help me it would be really usefull please
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Dear XXXX XXXX Acct # XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on my credit report and {$18000.00} balance for this account from XXXX XXXX. I got into a car accident a couple of months ago and my insurance and gap insurance said that they already paid off this debt. So why is it still reporting delinquent remarks and inconsistent with the data. You continue to report incorrect, inaccurate, and erroneous information and i want this deleted from my credit effective now. It's my understanding that you are required to keep valid, and 100 % accurate information about me into your system, but i can tell you that you're wrong and unverifiable information because i'm not liable for this account. Delete now
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

MY MORGAGE COMPANY CARRINGTON MORTGAGE SERVICES SENT ME A LETTER ON XX/XX/2021 THAT I HAD NOT MADE MY MONTHLY PAYMENT. i HAD SENT THE PAYMENT ON XXXX XXXX 2021 I RECEIVED THE LETTER THAT STATED I WAS PAST DUE AND THAT IF DID NOT MAKE THE PAYMENT BY XX/XX/2021 I WOULD BE CHARGED A LATE FEE. THE CUSTOMER SERVICE ADVISOR STATED THAT THE STATEMENT COUPON WHICH WAS SENT OUT HAD THE OLD ADDRESS IN ARIZONA. THE LATE LETTER SHOULD NEVER BEEN SENT OUT IF THEY KNEW THAT THERE WAS A PROBLEM OF THEIR MAKING. I FEEL THAT THEY WERE JUST TRYING TO PROFIT OFF OF THEIR MISTAKE.BY COLLECTING THE LATE FEE. 

I THEN RECEIVED MY ANNUAL ESCROW DISCLOSURE PAYMENT. i WAS INFORMED THAT I HAD A ESCROW SHORTAGE OF XXXX. THE LETTER STATEED, '' IF YOU CHOSE TO PAY THE ESCROW SHORTAGE IN FULL IN A LUMP SUM PRIOR TO YOUR EFFECTIVE DATE. YOUR MONTHLY PAYMENT WILL BE REDUCED BY THE MONTHLY SHORTAGE PAYMENT AMOUNT. '' ON XX/XX/2021 I RECIEVED MY STATEMENT FROM CARRINGTON TOO MY SUPRISE THEY HAD NOT REDUCE MY PAYMENT. WHEN I CALLED THE SERVICE REP STATED THAT I HAD TO CALL AND REQUEST A NEW ESCROW ANALYSIS THAT IT WASNT DONE WHEN THE RECIEVED THE PAYMENT. I FEEL THAT THIS IS FRAUD WHERE CARRINGTON IS TRYING TO COLLECT MONEY THAT IS NOT OWED TO THEM. A SIMPLE SENTENCE THAT STATED THAT U HAD TO CALL AND REQUEST THE NEW ANALYSIS IS ALL THAT IT WOULD TAKE.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I tried to dispute several items and mailed in the letters but got no response. I have the following items wrong with my report : I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me. 
Also a chapter XXXX bankruptcy that is not accurate
Consumer complaint received 2024-10-27
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: SYNCHRONY FINANCIAL (IL)

NONE OF THE CREDIT INQUIRIES ON MY REPORT ARE AUTHORIZED WITH THE EXCEPTION OF XXXX FREE CREDIT MONITORING AND XXXX CREDIT BUILDER. I HAVE AN EX PARTNER WHO HAD ACCESS TO ALL OF MY SENSITIVE PERSONAL INFORMATION AND DOCUMENTS AND IS USING THIS INFORMATION TO POSE AS ME AND TRY TO DEGRADE MY CREDIT ANY WAY THEY CAN AS A PATTERN OF ABUSE THAT WENT ON WITH THE RELATIONSHIP AND IT HAS NOT ENDED WITH ME DISTANCING MYSELF FROM THIS PERSON. THEY ARE DOING IT TO KEEP ME FROM BECOMING INDEPENDENT AND HAVING GOOD CREDIT AND THIS IS NOT THEE ONLY THING THEY ARE DOING TO TRY TO KEEP MY LIFE UNDER THEIR CONTROL.
Consumer complaint received 2021-04-02
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. (CA)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I set up my account so I pay on a bi-weekly basis, and have been doing so since closing on my refi a few years ago. NewRez reps have advised their system is set up correctly, and all appropriate notations have been included to support this bi-weekly approach. Unfortunately, NewRez continues to apply some of my bi-weekly payments as additional principle payments, so my account goes into a delinquent status often. I've called a few times, had my account corrected and received reassurances that the problem is resolved. I suspect it's a systemic issue, as the folks that I've talked to in the call center have all appeared to be knowledgeable on what happened ( ie they located the issue quickly ) and have all taken steps to resolve.

This morning 's alert that my FICO dropped 141 points was the tipping point for me. I logged into my NewRez account, and it once again shows I'm delinquent. This is the worst experience I have ever had with a mortgage account.
Consumer complaint received 2019-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (UT)

Lvnv Funding Llc has violated my rights under the FDCPA and the FCRA as they have been informed the debts involving XXXX and XXXX XXXX that they have purchased are the results of fraud. XXXX and XXXX XXXX were reluctant to wait for the XXXX police department to finish their investigation. I had to gather documentation and evidence over the last 12 months of how the fraud occurred under my name. The police reports have been finalized. 

Lvnv Funding Llc willingly reported the debts anyways to all 3 major credit bureaus with knowing the debts were a result of identity theft and fraud. 

police report numbers REPORT NUMBER : XXXX REPORT NUMBER : XXXX Detective XXXX XXXX
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX we got a notice that out pay pal account was closed and froze. We did not think what we sold broke there terms and conditions as it doesn't say anything about selling brass but they did. Regardless we found other means to receive money for our business and was content to wait out the 6 months. However now they say they can keep all our funds in the account due to " Damages '' that were not described. Also they debited {$800.00} dollars from the from my fathers account that I had given him before the issues with the account. We were given no explanation for this debit so we are out the XXXX dollars.
Consumer complaint received 2021-04-02
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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (TX)

This is a formal complaint against American Honda located in XXXX, Georgia. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, American Honda has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2019-05-06
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: AMERICAN EXPRESS COMPANY (GA)

AMERCIAN EXPRESS VIOLATED " FDCPA/ FCBA '' ( 1692g VALIDATION OF DEBT ) REFUSE TO REMOVE {$2500.00} SUBMITTED BY " XXXX XXXX XXXX OF FRAUD/ UNAUTHORIZED CHARGES WITHOUT MY CONSENT ... NOTE : A FORMAL COMPALINT HAS BEEN FILED WITH " XXXX, FTC AND VA AFFAIRS OFFICE ''
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is reporting inaccurate personal information on my credit report which is adversely affecting my ability to obtain credit approvals due to conflicting information in their database that negatively impacts the identity verification process. This is damaging to my credit profile and per the Fair Credit Reporting Act, I am hereby requesting for the following inaccurate information to be removed : XXXX XXXX XXXX, XXXX, FL XXXX Please delete the above offending information as I have never resided at this address.
Consumer complaint received 2021-03-29
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: AMERICAN EXPRESS COMPANY (CA)

On XXXX I purchased two Airline tickets and travel insurance with my American Express card. One ticket purchased on website XXXX for {$740.00} ( XXXX  ) and Travel insurance recommended by XXXX -Generally for {$55.00} total= {$790.00} Second ticket was purchased from XXXX for the amount of {$130.00} ( XXXX  to XXXX ) BOTH COMPANIES AT THAT TIME HAVE ADVERTISING : '' DUE TO COVID-19 FREE CANCELATION, FREE RESCHEDULING " At the time of purchase No restriction on travel to XXXX! 
On XXXX! XXXX ( Friday ) country of XXXX introduce RESTRICTION on travel for all travelers including US. 
WITHOUT NEGATIVE COVID-19 TEST NO ENTRY!!! starting XX/XX/XXXX. 
My Original travel date was XX/XX/XXXX schedule to arrive in XXXX next day XX/XX/XXXX. It was NOT possible to get test done in such short period of time and weekend!!! It was Not possible to board flight going to the Country that require Negative covid test without HAVING ONE! 
I called JUSTFLY immediately and explain situation i was assured that is going to be ok to reschedule but THEY START PLAYING ME COUPLE OF DAYS AFTER THAT with contradicting emails!!! 
XXXX XXXX newer return my email!?? 
Generaly ( Travel Insurance ) DENIED MY CLAIM! 
American Express DENIED MY DISPUTE!? 
I contacted ALL above mentioned companies numerous times in XX/XX/XXXX, XXXX, XXXX and XXXX of XXXX submit COUNTRY OF XXXX official website announcement of restriction with dates to prove that IT WAS NOT POSSIBLE FOR ME TO TRAVEL AT THAT TIME but no luck!?
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/XXXX : I discovered four unauthorized XXXX transfers in my online account. One took place on XX/XX/XXXX and the other three took place on XX/XX/XXXX. The recipient was a person named XXXX XXXX whom I don't know at all. The total amount was {$4500.00}. I immediately called TD Bank to report these unauthorized transfers. A representative at the Fraud Department told me she was not able to stop the transactions since the first one had been processed and the other three were in process. She filed the case and submitted it to the Disputes & Claims Department. She also told me the investigation would be complete within 10 business days and I should receive a written letter about the result. In addition, she helped me close/freeze the old account, open a new one, and transfer the majority of fund from the old one to the new old. 

XX/XX/XXXX : I called TD Bank to ask about the investigation result since I never received the letter. I was told the department determined the four transactions were processed properly. Therefore, there was no need for further. After hearing my explanation of the situation, the rep filed the case for me again and suggested that I fax a copy of the police report and the identity theft report I filed with FTC afterwards. Following her advise, I faxed both reports along with a letter to explain what happened. 

XX/XX/XXXX : I received a letter, dated XX/XX/XXXX, from the Disputes & Claims department at TD Bank. They have determined no error occurred so there was no action needed at their end. 

XX/XX/XXXX : I sent another package that contains the police report, FTC report, and a letter explaining the situation and requesting the return of {$4500.00} by mail. As of today, XX/XX/XXXX, I haven't heard any response from TD Bank.