davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MN)

On XX/XX/20, I logged in to my son 's account to send him money for his text books & saw a large check amt deposit of {$15000.00}. I immediately contacted TCF to alert a fraudulent transaction and was told the account will be frozen & an investigation started right away. However it was never frozen & the hackers ended up withdrawing over {$10000.00}. 
I called the bank for a consecutive 3 weeks straight and every time it's 2 hours on the phone being transfer from one dept to the next. I finally received a letter stating the the hack was my son 's fault bcuz his device was used to access his ATM card & XXXX. The bank then started moving money from all my family 's account to cover the fraudulent check that was deposited & how they came to this conclusion. I asked for proof of the check to see where it originated but never received it. They kept sending me the same info about how they can't reimburse me on the disputed acct. 
If an investigation was done, why haven't the docs i've been requesting provided. On top of withdrawing all my hard earn money, over {$8000.00} of all my savings, they also took over {$2000.00} from my oldest account & then froze all accounts & disabled our ATM cards. I've been with TCF bank for over 24 years & this is what it all boils down to.. I need my money refunded.
Consumer complaint received 2021-01-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CONSUMER REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ALLEGED ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

the investigating from my first complaint XXXX  is open credit acceptance has responded, and I also put a freeze on my credit all three until the issue is resolved well one of my credit company s emailed with a what has changed in my credit report and this is after I put the freeze on my credit as if on purpose credit acceptance reported another lie of a missed payment stating on the XXXX of XXXX well why would they report when the agreement says the XXXX and all this was discussed. therefore let me bring out the rest this company is financing salvage title and just not calling them salvage title s and the big people really needs to be brought in and i will be glad to testify against them I have the receipts as well as my extended warranty company XXXX spent on a XXXXXXXX XXXX XXXX all repairs plus XXXX so far on XXXX total price for the XXXX  so I have rebuilt the car and they want to fight to XXXX up my credit the government needs to know all of this Iam sure XXXX  will also say they have had it with paying for repairs on this XXXX  it's a salvage piece of garbage and the company they are in cahoots with knew it as well as credit acceptance. I desire to sue this company with the governments knowing this pass the lemon law.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, we reached an agreement for a payment plan, the payment corresponding to the month in question was made, and subsequently, the next payment was made on XX/XX/XXXX, having made the payments in time until that moment, the month of XXXX. XXXX approximately, call to make a payment extension for work problems caused by covid19 in terms of hours, they granted it to me! Giving me XX/XX/XXXX for said payment, at no time did the representative let me know that this action could cause a negative report to my credit history, when I started the plan they informed me that among the benefits I had, was the non-application of fines and that the account would be reported on time as long as it was up to date, there is no valid reason to report a late payment, if the payment was due on XX/XX/XXXX it was extended until XX/XX/XXXX, no more than 30 days late, the last payment before the plan was made on XX/XX/XXXX, therefore, after speaking 3 times where one of them the agent XXXX XXXX ID XXXX informed me that she was right! An unfair and inaccurate report was made to the credit agencies, the calls are registered and they can verify the veracity of my statements since the program began, I cordially request that this error be corrected taking into account the fair credit report law FCRA 15 USC 1681 signed XX/XX/XXXX by President XXXX XXXX
Consumer complaint received 2024-10-04
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Upon reviewing my credit report through XXXX XXXX, I have been notified of over 10 unauthorized inquiries, as well as accounts that are unfamiliar to me.
Consumer complaint received 2021-01-07
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CT)

Convergent is trying to collect a debt that I do not owe. Please send billing statements and proof of account with XXXX XXXX and the date opened and closed. This company has not validated the debt and another person was responsible and had billing statements in their name. If this is not removed from my report I will sue you in CT small claims court.
Consumer complaint received 2021-01-07
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. (IL)

On XX/XX/2020 I got with a lawyer and filed for chapter XXXX bankruptcy. After a few months goes by, I receive my letters from the Bankruptcy Courts ( Northern District of Illinois ) a order to discharge debt was granted to me ( as shown in pg 1 below ). After my chapter XXXX bankruptcy was finalized, I then pull my credit report to make sure all debts that were included in the bankruptcies were in fact reporting accurately. To my surprise, a few accounts that was included in the bankruptcy were still reporting as in open status with a high balance, which negatively brings my score down. I'm fully aware bankruptcy chapter XXXX can legally stay on my credit report for 10 years. But what i'm disputing with the credit bureaus is that it must be reporting accurately. I dispute this accounts, XXXX XXXX XXXX credit installment and car loan balances XXXX with Experian and XX/XX/XXXX Less than 72 hours later, Experian states that the account has been verified and will remain reporting the same way. Again, i'm simply disputing a open account which shows XXXX XXXX XXXX XXXX as an open account when it was included in the chapter XXXX Bankruptcy and should be close, due to it being a discharge debt. My understanding that it's unlawful for a creditor may no longer initiate or continue any legal or other action to collect a discharge debt. XX/XX/XXXX XXXX is continue to report recent past due balances and late payments to the credit bureaus on a discharged debt. which wrongfully discreadit my worthiness and fresh start to my financial stability.
Consumer complaint received 2021-01-07
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6.XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2020-12-17
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)

I HAVE PUT IN DISPUTES WITH COMPANY AND VERBAL AND BY FAX AND THE DEBT NEED TO BE REMOVED FROM CREDIT REPORT AS COLLECTION IS A CLASSIFIED AS FRAUDLENTLY DOESN'T BELONG TO ME. 

XXXX  XXXX XXXX XXXX-THE COLLECTION COMAPNY ORIGINAL CREDITOR-XXXX XXXX XXXX {$2500.00} REPORTED ON XXXX XXXX SUPPORTING DOCUMENTS WERE SENT FROM ORIGINAL CREDITOR ON XX/XX/20 THAT THE DEBT WAS NOT MINES AND I WANT XXXX  BURUEAU TO DELETE ASAP.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Due to the COVID 19 pandemic my husband and I were given mortgage assistance via the Pandemic Mortgage Assistance Program through PA Housing Finance Agency from the Federal Cares Act. Shellpoint Mortgage was sent {$6000.00} to cover our entire mortgage payments from XXXX through XXXX. We signed an acknowledgement form that this money would remove any additional costs and were not to send any further money to Shellpoint during this time, nor could we put ourselves in forbearance. An acknowledgement form was also sent to Shellpoint saying the same and that the {$6000.00} was to be used for {$1000.00} full payment each month with no additional cost or fees for us. An itemization of how funds could be used was also sent to Shellpoint. This form was signed on their behalf as well with a witness. 
Shell point did not use the funds as agreed to. One full mortgage payment was made at almost {$1900.00} not the {$1000.00} agreed to, the remainder of the funds were used for escrow and fees according to multiple representatives spoken to over the past six weeks in trying to rectify this. The remaining balance has still not been erased or rectified even after elevating it to a supervisor and calling the representative who signed the contract itself. Our balance is currently for almost {$8000.00} although we should have a balance of XXXX We have not paid our XXXX mortgage yet as we can not get Shellpoint to acknowledge this error and correct. Late fees are now accruing, but we can not ensure Shellpoint will use our full XXXX payment for XXXX and not move around the funds as they did with the payments made by PMAP/PHFA and the state/federal government. We would like Shellpoint to honor the contract they signed when they accepted this {$6000.00} from the CARES act and the state government to erase any additional debt on our part as well as late fees we are not responsible for so that we can continue paying our mortgage from where we are up to date.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I filed a complaint XX/XX/XXXX.Three days later the dispute was closed. I sent documents proving that the information was invalid from XXXX XXXX XXXX. I have disputed a few times with XXXX XXXX XXXX. They are making up this amount and have no proof. I have proof from XXXX XXXX on the amount. When the reports do not match accurate information it should be removed from the credit report stated by the Fair Report Credit Act. This company has not removed the report and opened up another dispute.
Consumer complaint received 2021-01-07
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. (IL)

XXXX XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I was ( XXXX ) days late in 2020 on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. ( I have also attached the call log information confirming my conversations with XXXX  for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and needs to be removed. I have contacted XXXX as well as the bank to remove these lates however, I have not been successful.
Consumer complaint received 2021-05-06
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: ACIMA CREDIT, LLC (NY)

XXXX XXXX promised to delete the COLLECTION from the credit upon payment. The account was settled on XX/XX/28 and the collection is still reporting on my credit. Please delete the collection in its entirety as promised Also ACIMA CREDIT was settled and yet the company didnt update the account as paid.
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: STATE EMPLOYEES CREDIT UNION (NC)

My credit card with NC State Employees Credit Union expired on XX/XX/XXXX. I did not receive a replacement card in the mail so I have been attempting to get a replacement card on three separate occasions but to no avail. 
In XX/XX/XXXX, I went in person to a branch in XXXX NC and inquired about my replacement card. I was told I would receive a new card in 1-2 weeks. 
In XX/XX/XXXX, I asked a teller at drive thru about getting a replacement card during a visit to make a deposit. I was again told, the teller checked it and I should receive a new card in 1-2 weeks. 
In XX/XX/XXXX, I went online to the NCSECU Website to request a replacement card and the Website response was I should receive a replacement in 1-2 weeks. 

I have also verified my account has the correct mailing address. 

At no time was I informed I will not receive a replacement card or received any notification of account closure or cancellation of my credit card. My account is paid in full with a XXXX  balance. 

The SECU is denying me access to credit in which they have approved. At no time have they notified me or issued any disclosures that they were closing or cancelling my account.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (NY)

loan index # XXXX XXXX XXXX XXXX XXXX , XXXX AS OWNER TRUSTEE OF THE RESIDENTIAL CREDIT THAT DONT OWN THIS LOAN SERVICERNAME : FCI LENDER SERVICES INC XXXX XXXX XXXX XXXX CA XXXX FAX XXXX ACTING AS SERVICER FOR LOAN THAT IS FRAUD. 

LOAN HAS BEN TRANSFERED FROM UNDER A FHA / HUD WITH XXXX AND WAS DISMISS UNDER A OLD CASE BY XXXX XXXX ON XX/XX/2013 BECAUSE XXXX COULD NOT PROVE OWNERSHIP. 

I WANT TO KEEP MY HOME, I HAVE TWO ELDERLY PEOPLE WITH XXXX  AND PLUS ME LIVING ON A XXXX XXXX THAT SHOULNT BE UPROOTED DURIN THIS PANDEMIC OR LIFE SPAN THAT ARE AGE XXXX AND XXXX. I WORK FULLTIME FOR XXXX XXXX.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (OH)

I have been working really hard to save my home since my XXXX. Unfortunately I was going through a legal battle with my ex that she did not want to sign the quit claim deed. My investor was ready to give me a plan to save my home but I was helpless. I finally sent the quit claim deed to them and now they are saying that its too late. I don't have a foreclosure sale date and I just want to save my home. I have worked really hard to get where I am now and I would hate to lose my home because of one document that I had no control over.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MN)

I, have a credit card with Chase, They thought my first card with them had fraudulently been used, they contacted me to ask if I had purchased an item at a hotel, I said I had at the hotel in question. they contacted me the next day on the same issue, and I answered the same way. so they called me to tell me that they were going to cancel that card and send me a new card. They did, but my first statement Had an {$89.00} annual fee .I tried to tellXXXX them that they had no right to put that on my card without my permission. they said that the new card was a PREMIER card so it gave me better bargains, My first card had a {$50.00} annual fee which was supposedly for a free nights stay at one of the, XXXX. Hotel groups I do not remember ever being called about the free night stay. Also, XXXX. Rewards on my statement said that for this year I had points earned for XXXX was XXXX points so I went online to see for myself. From XX/XX/XXXX to XX/XX/XXXX my total points for the same period was XXXX I tried to go to XXXX rewards to find out why the difference, But I ran into a not wanting to hear my Questions.
Consumer complaint received 2021-05-03
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. (GA)

The creditor XXXX XXXX is reporting false information on my credit report. They are reporting a balance of {$16000.00}. However, my actual balance is {$13000.00}. The account is paid up to XX/XX/2021. However, company has last reported a payments made inXX/XX/XXXX. This is a violation of the Fair Credit Reporting Act. This inaccurate information needs to be updated immediately on my credit reports. I have attached a copy of my auto loan statement as proof that I have an account with this auto loan company.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

In XXXX I went through a mortgage modification. The modification was a FHA-HAMP modification agreement. Under this agreement, HAMP states that lenders are supposed to report all payments as on time and paid in full. XXXX XXXX honored that until XX/XX/XXXX. 
I fulfilled all requirements satisfactorily. My trial agreement was from XX/XX/XXXX until XX/XX/XXXX and no payment in XX/XX/XXXX. XX/XX/XXXX the modification would be effective. 
In XX/XX/XXXX I reached out to XXXX XXXX about this issue. I received a call from the underwriter that there is an error and it would be corrected. A week later I received a letter in the mail stating that their reporting is accurate and they will not update my payments to on time and paid in full, including some new payments made on time after my modification was effective. They have breached the HAMP modification reporting and also have breached the notarized contract that was signed. Currently they are reporting to XXXX and Experian 12 missed or late payments.
Consumer complaint received 2021-05-03
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. (FL)

Third party re [ orts incorrect credit FICA score- es and the Price You Pay for Credit Your Credit Score Your credit score XXXX Source : Clarity Services, XXXXDate : XXXX This is on ongoing problem becuse third parties NEVER have complete correct data. This caused me financial hardship!! ONly aa suit will suffice!
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (AZ)

IQ Data Inc, a company I have never heard of or have done business with is harassing me. They continue to call me on phone numbers after I ask them to stop contacting me. mentioning my name, and saying they know where I live and I have a 'debt ' to pay. I feel intimated and in fear for my safety due to the spam calls and the fact that this company has my name and address. I already reported them to the XXXX  and I Will contact the Attorney general and the police if I continue to get calls from them again. This company has violated the fair use credit act and has continued to harass me, I may potentially sue the company in court for these violations. Tell them to leave me alone, I am in fear for my safety and privacy.
Consumer complaint received 2021-05-03
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. (WI)

There is an account with XXXX XXXX where the payments are reporting late and that is not the case The account number is XXXX. I have attached proof that this should not be reporting with any late payments
Consumer complaint received 2021-05-03
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. (NC)

On XX/XX/2021, I received an alert stating that my score drops XXXX points because I made a XXXX payment on one of my credit cards ( XXXXy XXXX XXXX ). 

I made contact with Experian in XXXX and advise of this. The gentleman I spoke to started he was going to open a research request to have my concerns address. Gentleman stated that he also sees error as well. 

However, nothing was resolved I never heard back from anyone and the problem occurred again. 

On XX/XX/XXXX, I received an alert stating that my score decreases by 8 more points because one of my installment loans decrease by XXXX dollars.