davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
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. (GA)

I have submitted several letters and complaints to XXXX XXXX XXXX XXXX and the credit agencies with regards to an account that was opened XX/XX/ 2017 with a balance of {$6600.00}. This account is opened and is reporting as a result of identity theft. Please assist me in getting this account removed from my credit profile.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax mortgage XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I took out a Home Equity Loan from First Citizens Bank, XXXX, SC XXXX on XX/XX/XXXX in the amount of {$43000.00}. Payments were made on time from XX/XX/XXXX thru XX/XX/XXXX. No payments were made from XX/XX/XXXX thru XX/XX/XXXX. First Citizens charged off the loan on XX/XX/XXXX. 

On XX/XX/XXXX, I received a notice from Mr. XXXX XXXX XXXX, XXXX, Attorney for First Citizens. He stated, that pursuant to the South Carolina Supreme Court Administrative Order XXXX, I had the legal right to be considered for Foreclosure Intervention, which included a loan modification. See attached file ( # 1 Right to Intervention XXXX ). 

On XX/XX/XXXX, I wrote Mr. XXXX, stating that I would like to discuss a loan modification See attached file ( # 2 My Request for Intervention XXXX ). Subsequently, I received a phone call from First Citizens. After some discussion, the First Citizens representative agreed to the loan modification, providing I repay all past due amounts, agree to a new payment schedule, and sign a Confession of Judgement. See attached file ( # 3 Judgement by Confession XXXX ). I was also told that the executed Judgement would serve as the modification document. I further agreed to have First Citizen draft payments against my bank account on a monthly basis. All payments have been made on time and as agreed from XX/XX/XXXX thru XX/XX/XXXX. See attached file ( # 4 First Citizens Statement XXXX ). 

Under the Modification Agreement, once the past due amounts were paid, all subsequent payments were to be applied to Principal only. In the Spring of XXXX, I discovered that First Citizens had charged {$2100.00} of my principal payments to interest. First Citizens agreed this was the case See attached file ( # 5 First Citizens letter XXXX ). First Citizen has  never updated their records to correct their error. 

XX/XX/XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (GA)

On XX/XX/XXXX I logged in to pay my monthly payment and the amount due was {$0.00}. Payment is due on the XXXX so I trust that the batch processing or database was updated. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, at XXXX XXXX  I received calls from SLS and I am sure I have a Do Not Call note on my account. 

During XX/XX/XXXX, I have had to enlist the assistance of the GA Attorney Generals ' office ( # XXXX ) and Colorado Attorney Generals ' office along with cfpb ( case # 's XXXX, XXXX ). 

I have attached the statement showing a {$0.00} payment due. The next payment due is XX/XX/XXXX.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I have both successfully and unsuccessfully file disputes online via Equifax 's online dispute center. When successful, once I am notified of the results being available, I am unable to access them due to my info not matching what was on file. 
On one occasion when I called, the service rep told me the online system was down. Today when I used their web chat, I was told the same thing. For the past 3 days, including today when I have called, I was told by the rep that the 'system was updating and to try again later. ' The recording on the customer service line even has the nerve to send you to the site to submit and check the status of the report. 
My concerns are that they are offering services that are inefficient and ineffective if the customer is unable to use them and Equifax is unable to provide timely solutions when they are aware of issues with their system. Additionally, why are updates taking place during normal business hours impeding customers ability to get answers and access to their credit report. That is insane! They a once of the primary credit reporting companies that are used to impact millions of customers financial knowledge and well being daily. That should be unacceptable!
Consumer complaint received 2019-02-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/XXXX some one hacked my account at chase and used it to make a payment to XXXX XXXX credit card in the amount of XXXX. When i called chase about this, they said it's past 60 days and that i needed to check my statements often and that i need to call XXXX XXXX. When i called XXXX XXXX, they said nothing to do with them, call Chase. So i have been on the phone with chase bank fraud team, managers, i don't even know how many people already since Friday XX/XX/XXXX and nothing has been done, i thing this is a bit crazy that my bank, who i have been using for XXXX know how many years, with 7 accounts, will not help me.
Consumer complaint received 2020-02-21
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. (MO)

On XX/XX/2019 I sent yet another dispute to Equifax because these two accounts were reporting as the same account. These accounts had already been investigated and deleted by XXXX  as they were unable to be validated but Equifax continues to update and validate. I have requested Method of Verification in the past and not received results just another updated dispute, I have attached proof of the XXXX deletion as well as the last dispute letter. 
In XX/XX/2019 I received a response from XXXX stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s XXXX   XXXX XXXX XXXX XXXX XXXX ( Same Account )
Consumer complaint received 2019-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I check my credit score thru both Transunion and XXXX is shows a balance on my credit card that has yet to be billed. We use our card for a matter of records and never carry a balance on it after the billing period. How can current usage show negatively on y credit report when it has not been billed and the card has never had a balance carried forward.
Consumer complaint received 2019-02-25
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)

Since XX/XX/2018, I have tried to get Equifax to correct information on my credit report. 

Inquiries - XX/XX/2018 XXXX XXXX, XXXX XXXX, XXXX had an inquiries on my report, which were fraudulent. 
They sent me letters certifying that they would send updates to each credit bureau. XXXX and XXXX removed the inquiries by XX/XX/2018 but as of today, Equifax did not comply. I called equifax, I disputed online and wrote letters. 

Accounts - XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are previously charged-off accounts that were paid. They persist in Equifax as such : 1- Status is reported as negative accounts not as Paid/settled accounts 2- though they appear under closed accounts category, none of them show closed date. Date closed appear blank in Equifax. 
Therefore, they are still counting against my score I wrote to and called the creditors and to Equifax to correct the issues. XXXX  and XXXX show correctly since XX/XX/2018. I am still struggling for Equifax to refkect the right information. I filed disputes online with Equifax, I faxed disputes to Equifax, spoke to multiple supervisors and representations at Equifax. Nothing. 

My score in XXXX and XXXX are XXXX. Equifax is XXXX. As a result, I was denied a much sought after HELOC loan. 

There should be consistent reporting across credit bureaus based on the information fed by creditors. The creditors have assured me that the issues is not on their side. They send the same info to all CRA and I should discuss with Equifax. 

Please help me.
Consumer complaint received 2019-02-24
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. (SC)

Starting on XX/XX/2016 I started the process of Disputing debt being reported by XXXX XXXX XXXX who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies XXXX, XXXX  and Equifax. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 
I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Consumer complaint received 2019-02-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

My PNC Savings Account has been attacked by unauthorized ACH Fraud. Starting XX/XX/2019 - today XX/XX/2019 I have had {$8000.00} taken from me as a result of the ACH fraud. Secondly, this has also had an effect on my PNC checking account where money was beginning to be transferred out due to unauthorized ACH fraud. All items marked in the account activity as ACH are fraudulent.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

Dear Sir or Madam : I recently viewed my credit report issued by your agency. Needless to say I am extremely upset that my report is replete with inaccurate and false information, all of which reflects poorly on my credit worthiness. In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ], I expect you to complete this reinvestigation within 30 days. XXXX  - XXXX account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2019-02-23
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: OpenRoad Lending (VA)

I applied for refinancing on XX/XX/XXXX and by mistake, entered my income incorrectly on the application. The next day I received an email advising this, so per the instructions, I replied to the email with the correct income amount so the SAME app could be re-reviewed. Today I get notification that Openroad processed inquiries on my credit on XX/XX/XXXX and XX/XX/XXXX! You cant give me two hard inquiries for the same app # XXXX. 

Please remove the additional inquiry and confirm once completed. The email sent to me about my income NEVER indicated my credit would be pulled again. Why would you need to if you only needed to verify my income? DELETE THE INQUIRY.
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (AR)

My complaint is about my HOME depot credit card. 
I paid my balance off of {$78.00}, in XXXX XXXX this left me with a XXXX balance. 

I relocated to an other state on XX/XX/XXXX, I went to local Home depot and bought some supplies and also ordered some on line. 
On XX/XX/XXXX I receive a statement from Home depot, stating I am past due! 
According to home depot, their billing cycle ended on XX/XX/XXXX, and they sent a statement out that was due XX/XX/XXXX. I never received that statement, BUT I did receive one on XX/XX/XXXX. 
Home depot 's states it's not their fault if USPS did not deliver my statement. 
After reviewing my statement first charge posted is XXXX XXXX and a second on XX/XX/XXXX. So how could they even have been on a STATEMENT CLOSING XXXX XXXX? 
Then I was told I had a cease and desist on my account, and they were not allowed to call me, First I have never in my XXXX years ever heard of such a thing on a credit account, I asked when it was put on and by who? 
I was told it may have been put on it XXXX they were not sure and did not know who had put it on. 
I called back and asked for a supervisor, and was told it was put on, XX/XX/XXXX my the prior agent I talked to. DA! 
Then I WAS TOLD purchases were made on XX/XX/XXXX, but my statement has first one posting on XX/XX/XXXX. 

WHY SO MUCH MISINFORMATION? 
WHY SO MUCH OF TELLING LESS THAN THE FACTS? 

FACT ONE I did not receive a statement until XX/XX/XXXX their fault my fault USPS fault it doesn't matter. 

FACT TWO I have no idea what a cease and desist on a credit account is, and I never had one put on so WHO DID AND WHY.
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

I opened a TD checking account in XX/XX/2019 because of a promotion they were running for a TD Beyond Checking stating only two direct deposits above {$2500.00} total were needed to qualify for a {$300.00} introductory bonus. After fulfilling the requirements well over the amounts and direct deposits required I waited 3 months and did not receive anything. I began to message them on their secured message server and separately confirming the promotion via their customer service representatives on the phone. Every time I called the representative assured me I would be receiving the bonus in the next week, and that I should call again in 7-10 days. After repeating this process 6-8 times and receiving different answers to why I havent received the offer a representative and manager told me they could no longer find the promotion running during the period that I opened the account ( which was the entire  reason I chose this bank other than ATM fee reimbursement ) Today I have emptied the account and I am submitting this claim to see if there is any hope in keeping the relationship with the bank. Hopefully someone at the CFPB can help
Consumer complaint received 2019-02-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Bureau of America Ltd. (PA)

I XXXX XXXX XXXX was never contacted by XXXX XXXX XXXX they took XXXX dollars of my things that were in storage 6 years ago never sent me anything for six years it just appeared on my credit report without calling me or to notify me by mail they have my phone number they be never sent me a bill or anything thing this could have been made wright if I new that they wanted money and the fact that they are big lieyers in what they are saying they took XXXX dollars such as a brand new dinette set a XXXX stereo system a 1 year leather living room set a XXXX inch flat screen TV and sold it never sending me a bill of sale they just stole my furniture and then want me to pay them 6 years later how can they try to collect something without notice and about now being 7years ago.
Consumer complaint received 2019-02-24
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. (NJ)

I filed a dispute with Experian advising that an item should not be on my report. The next day I received a message advising that the Collection agency said it was valid. Then my score dropped two points for the same item. It had already dropped two points within the same month. I called the creditor who confirmed the error. I called experian three times with no success
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

Last XX/XX/XXXX I submitted a complaint : XXXX I was unsuccessful in my disputes with the credit bureaus to update my account with the payments I was making to the account. In XX/XX/XXXX, I  contacted the company to accept their offer to settle the account and update my credit report. 

On XX/XX/XXXX I sent the following letter to Santander Consumer USA. 

I recently obtained a copy of my credit report from your agency and found the following items to be in error : Condition : Derogatory Status : Collection/ Charge off Remarks : Charged off as bad debt / Profit and Loss write-off Balance : {$1100.00} Please be advised that on XX/XX/XXXX, Santander Consumer USA extended an offer to waive the remaining balance on the account and report the account as Paid/Closed, was a Charge Off. I declined the offer at the time. My goal was to make the regular installment payments to pay off the full balance and have those payments reported on my credit report. 

The offer stated that if I wanted to accept the offer I could call at any time. I did contact Santander in XX/XX/XXXX to inquire about this. After some time they did find the offer and stated your company would follow through with the original offer from XX/XX/XXXX. 

However, I received a Settled in Full agreement letter which was not the agreement we had. Settled in Full is different than Paid/Closed as was agreed in the offer. I request that the following changes be updated to all reported credit bureaus : Condition : Closed Status : Paid Remarks : Was a charge off Balance : {$0.00} As of today I was notified by XXXX of an update on my credit report. However, again, Santander did not follow through with what they had promised. The account condition is listed as 'derogatory ' instead of 'closed '. The status lists 'Collection / Charge-Off ', balance : '0 ' ( correct ) and the remarks were updated to : 'Payment after charge off/collection|Paid profit and loss ' instead of 'Was a charge off ' as they had promised in their response to the original complaint.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation (OH)

Hello, I recently became employed with my company and received the XXXX XXXX XXXX prepaid card in XX/XX/2018. Second time of get paid on XX/XX/2018 XXXX was taken out of my account by an unknown merchant. In XX/XX/XXXX I had noticed the charges now and it has been now {$510.00} or more. When contacting money net work I have followed everything that have asked me to initiate a proper dispute and still no resolution. Nor an explanation of why I can not get my credit that I earned.