davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
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. (AZ)

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2019-06-11
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. (CA)

I requested verification under federal law asking XXXX, XXXX and Transunion to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.
Consumer complaint received 2019-06-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We were enrolled in paperless billing and never received an alert or email in reference to a minor fee or charge. I discovered the issue through a credit report. I have several screenshots that indicate they were not able to send bills to my email address ( same address for over 10 years ). I promptly made the payment after discovering the issue. They lower my credit limits in the month of XXXX due to low activity. They have since closed both accounts and I have received to reasoning. They reported an adverse report to the credit bureaus. I have been a loyal customer in great standing with them for a long period of time. I want real answers from an employee that can make changes. I have contacted them several times and some each time my connections are lost during transfers. The last incident was on XX/XX/2019. The manager ( XXXX ) failed to connect me to the appropriate XXXX employee. I have made a visit to the local service branch and filed a " commit '' case with their compliance officer. I have not received any real information in writing or through email. I am left with no other option than to file a complaint and possibly a lawsuit to get this issue resolved correctly.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to challenge the reporting and compliance on these accounts with -XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX   XXXX -XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (FL)

I found an investigation about incorrect items on my credit report on XX/XX/XXXX I havent got a response as well past 30 days from XXXX XXXX XXXX and Experian
Consumer complaint received 2019-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc. (TX)

On XX/XX/XXXX, I received a notification that an account was added to my credit report. On XX/XX/XXXX I contacted MG Credit and spoke with a representative that advised that they do not have this debt. Per the credit reporting act the collection agency can not collect on a debt they do not own. Additionally, I was told by the representative that the debt was given to a company that was closer to where I currently reside and that I should contact them regarding the account. I attempted to find out more information regarding why this account was added to my report by MG Credit if they no longer own the debt. The representative refused to put me in contact with their credit reporting specialist and in fact became rude and nasty on the phone. 

I became aware of MG Credit attempting to collect a debt for a XXXX  office ( I last received services from this XXXX  office in XX/XX/XXXX, and believed to have paid off the company ). In XX/XX/XXXX, I contacted MG Credit and asked for a verification of debt, in doing so I provided the company with my current mailing address. I never received the verification of debt information and was told that the account would be placed in dispute until I received the documentation. A month or 2 later I received communication from another agency attempting to collect on the same debt. I called that company and again requested a verification of debt and was told that the account would be in dispute. 

Ultimately, MG Credit opened a collections account on my credit report though they no longer own the debt and without communication or providing the requested information.
Consumer complaint received 2019-06-11
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

I have a student loan with XXXX that is currently past-due. When I called to bring my loan current, the reps at XXXX connected me with a collection agency ( named Heartland ), and told me I had to deal with them. I have attempted several times to make a payment with this collection agency, and they refuse to accept a payment from me.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2019 my credit card account was hacked by an impostor. He/she changed the account address, added another authorized signer and redeemed about {$800.00} worth of reward points into cash and wired it to a checking account. 

I found out about this XX/XX/XXXX. Matters were straightened out except for filing a police report. The people at TDcardservices said the police department should fax to them in their official letterhead what information they required to fax # XXXX XXXX XXXX Today XX/XX/XXXX, at substantial inconvenience, I went physically to the XXXX, Florida police headquarters which is were I had been told theft reports are to be filed. According to the Police I should obtain from TDCardservices an incident report and give it to the Police. I explained to them what TDcardservices said. It didn't matter ; they will not fax anyone anything I am caught between the two. No one seems to be concerned about catching the perpetrator, and I am missing an official, valuable record of what happened.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (WI)

Went to Santander bank 's website ( https : //www.santanderbank.comXXXX ) to see what's available, I called customer service to verify possibility to have a checking account. After given a positive response I proceed to fill in my personal information and make the required initial deposit, a healthy {$500.00}. After welcome to your application email, was only followed by a " Denied '' second email. When calling to the provided phone number the representative told me to do it a second time due to my VPN because they were not able to see that I am in USA. In  doing so for second time without VPN I encounter the same outcome, " denied ''. Called a second time and the representative said : '' oh let me see with the person in charge of new accounts and we will call you back in a couple of hours '' ( NEVER happened!, all a lie! ) So now in speaking to customer service again ( third time ) :, Contacting Santander over the phone : the representative stated that Santander was unable/unwilling to provide a reason as to not opening the above mention account on line. 

The email says : " We are sorry, but we are unable to open your Simply Right Checking account online, since we were unable to verify some of the information on your application. 

We may be able to open your account in person at a Santander branch. '' So I offer them to send a certified letter/note with my DL copy and Passport because is so far away from me -- but the representative/supervisor stated there are still no guarantees that they would open an account. 

This is not good business sense and extremely poor customer service! And very poor untrained personnel, ( they all have a different response or don't know how to help you )
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently disputed an erroneous account on my credit reports in late XX/XX/2019 that does not belong to me, I've been disputing this account with XXXX/XXXX XXXX XXXX XXXX for over a year. On XX/XX/2019 I was alerted via credit monitoring that the account was removed by Transunion, on XX/XX/2019 the account was magically re-inserted by Transunion ... 3 days later. wow ... .I 've reached out to XXXX requesting documentation on this account as well as Transunion , and have yet to see anything. Transunion has violated Section 609 ( A ) ( 1 ) ( A ) as well as Section 623 ( A ) ( 3 ), Of the FCRA .Wow re-insertion of the account with no notice or Explanation. My Attorney has all my paperwork and is preparing my legal situation with all parties involved. I will also be requesting full punative damages ALLOWED IN MY STATE. The FTC is also aware of the constant problem I have been having with Transunion/XXXX. Its very sad that We as consumers have to go through such things as this, and im quite sure im not the only one.
Consumer complaint received 2019-06-11
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. (KY)

Consumer purchased XXXX Insurance for loan. I became ill, was hospitalized, and unable to work. Declared XXXX XXXX by SSA. Insurance responsible for paying off the loan in full. This debt has been listed on credit report longer than 7 years. If you can not correct the misinformation, please remove the 7+ year old account from my credit history.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on XXXX, XXXX, and Transunion reports. They need to be removed because I did not add them there. TransUnion is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXXXXXX  reporting with incomplete information. Inquiries for XXXX  XXXX. XXXX-XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been XXXX, XXXX and XXXX. I never will apply for something I cant afford. Someone have been using my identity. XXXX  have been reporting false inaccurate information. XXXX XXXX XXXXXXXX alleged account, an incomplete account-XXXXXXXX XXXX XXXX  its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX  is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX with XXXX. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

I first reached out to XXXX, XXXX on Saturday, XX/XX/XXXX regarding a new inquiry on my credit bureau. I informed them that my credit was run without my authorization. They told me to dispute the charge with the credit bureau. 

I filed a dispute the same day with Equifax. On XX/XX/XXXX I received an email from Equifax stating that they were unable to remove the inquiry and to contact the company directly. I then filed a complaint with XXXX  on their website. I was contacted by XXXX XXXX of XXXX on XX/XX/XXXX regarding the inquiry. I explained to her what happened, and she assured me that she would be forwarding my information to her legal team and that the inquiry would be removed. 

I then contacted Equifax myself on XX/XX/2018 to check the status of the removal. I was told by the representative that nothing had been submitted regarding the inquiry. I then emailed XXXX again the same day but I never got a response back. I then decided to wait 30 more days to allow more time. 

On XX/XX/XXXX, I filed another complaint on XXXX website. I was then contacted by XXXX XXXX. I explained to him what all happened, and he said he would be the one handling this matter from now on. Ive been corresponding with him for the past five months, and the inquiry has yet to be removed. I have been in contact with Equifax was well regarding the removal. It seems that XXXX is giving me the runaround.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom it May Concern, In XX/XX/2013, I was convinced by a salesperson at XXXX to apply for a store card in order to receive a discount on clothing. I was told that I would receive the card in the mail. The card was never arrived, nor did a bill or any form of communication from XXXX for several months, until I received a letter from the debt collection agency, XXXX. Although it was sent to my address, it was directed to someone with the last name of the street I live onXXXX XXXX ( addressed to " MrXXXX XXXX '' ). 

I called XXXX to complain, and they apologized for the clerical error. I immediately issued a credit card payment to resolve the debt and requested them to close the account and have it deleted from my credit report. For the past six years, my credit report continued to show both XXXX and XXXX, preventing me from applying for any type of credit card or loan due to " serious delinquency. '' I made another attempt in May to contact XXXX ( since the account was in their hands ), and spoke with someone in upper management. He apologized on behalf of XXXX 's actions, agreed to close the account, and to contact Trans Union, XXXX, and XXXX have it deleted from my report. This was successful, but my score strangely dropped 80 points. I then called all three credit bureaus and was offered no explanation to why this happened. They suggested to contact XXXX, which didn't make logical sense to me. However, I took their suggestion and explained my situation to an individual at XXXX over the phone that XXXX closed the account and asked that XXXX, once and for all, remedy their error and contact the credit bureaus to delete the error from their end. I called XXXX back to check the status two weeks later and was told by a different individual XXXX had indeed sent the XXXX bureaus a letter requesting that it be deleted. Yesterday I received a letter from XXXX Bank addressed to " XXXX XXXX '' ( XXXX XXXX ) stating that XXXX was unable to close the account or request that it be deleted without any explanation. 

I feel that what I have gone through, for six years, is most unfair and unprofessional. I am a college professor who supports three children. I make regular monthly payments on a mortgage and car. My credit score and report have suffered because of a simple, clerical error that was never remedied by a clothing store. 

Thank you for your attention, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX
Consumer complaint received 2019-06-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NV)

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, Nevada XXXX Date : XX/XX/2019 Complaint against M & T Bank M & T Bank imposed and an insurance policy that I did not want, requested, authorized, or needed. M & T Bank started to draft my bank account without my consent. M & T Bank is taking funds they have no right too. I notify M & T Bank to stop this insurance they disregarded my orders and continue taking the money. 
This is an FHA mortgage. They are not abiding by FHA Rules and regulation.
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP (MT)

I received about a year ago a letter from Rausch Sturm attorneys at law concerning a debt I have with XXXX XXXX, for a credit card for XXXX XXXX XXXX. I called and spoke to an agent explaining my situation that I am unemployed due to a handicap and unable to work. That I am trying to get SSDI but have not been approved yet. I worked out the issue with the agent who was in Wisconsin I believed. In the next few days I started receiving calls from agent for Rausch Sturm who were obviously calling from offshore because of their heavy XXXX accents. Even though I explained my situation to them they continued to call me every day claiming they needed a resolution with the debt. I finally had to send a cease and desist order to Rausch Sturm in Wisconsin to stop it. This year on XX/XX/2019 ; I received a letter from Rausch Sturm again inquiring about the debt. I called them and explained that I am still unemployed. The agent noted it on the account and asked about the Cease and Desist order. I told her to remove it because I wanted to work with them to resolve the debt. The next day I received a call from an offshore agent claiming to represent Rausch Sturm concerning the debt. I told him that I already spoke to an agent about it yesterday and explained it to them. His response again was but we need to have a resolution to the debt. I then remembered the last time when they would call every day. I called the number back on the letter and spoke to a XXXX at Ex XXXX and explained what happened. We determined that the Cease and Desist order should be reinstated. XXXX said she did put it back on. I figured that the Issue was resolved until today when I received a call from an Offshore agent claiming to be with Rausch Sturm about the debt. Her accent was so heavy I could hardly understand her, but I told her that there was a Cease and Desist order  and she admitted that it was on there and she would make sure no more calls came. Unfortunately, my experience is these offshore agents do not respect no call orders. I would like these Offshore calls to cease and only work with on shore agents. I do want to resolve this debt.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NJ)

I'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3. Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove these inquiries. They do not belong to me. I did not authorize. Please check the attached document. Please also place an extended fraud alert on my credit report. As I see a few items I did not authorize on my most recent credit report.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on XXXX, Equifax, and XXXX  reports. They need to be removed because I did not add them there. XXXX is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXX reporting with incomplete information. Inquiries for XXXX XXXX. XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been unemployed, homeless and XXXX. I never will apply for something I cant afford. Someone have been using my identity. Equifax have been reporting false inaccurate information. XXXX XXXX XXXX alleged account, an incomplete account-XXXX XXXX XXXX  its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX  is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX  with Equifax. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.