davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
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: EQUIFAX, INC. (FL)

I am new to united states and last year in XX/XX/XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with XXXX & XXXX ( XXXX & XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( XXXX / Equifax & XXXX ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX & XXXX XXXX so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called XXXX / XXXX & Equifax and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with XXXX as Equifax & XXXX always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed XXXX institution as a XXXX XXXX and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am in disagreement witht the account listed below which still appears on my credit report, even after your investigation. I would liket this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX  In accordance to The Fair Credit Reporting Act, Public law 91-506, title VI section 611 please proivde the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
Consumer complaint received 2018-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (VA)

We fell behind on our mortgage due to temporary unemployment. We communicated with LoanCare to let them know about our difficulties. We were advised to fill out a Loss Mitigation packet. After almost 2 months of back and forth with that part of the company, we were denied for assistance. In the meantime, we have borrowed the money to catch the mortgage payment up. I have been trying to pay for this for over a week now. Here we are ONE DAY before our home is supposed to go up for sale and no one wants to help me. I call LoanCare to see how much I need to send them to make my mortgage right, they advise me that they can not give me that information, that I have to call the Law office handling the case. I had already called the Law Office last week, Thursday to be exact. They had to request the information from LoanCare. I am going back and forth with them, and now they will not even answer my phone call or call me back. It 's almost like they do n't even want the money for the house! Do they enjoy it when people lose their homes?? I am beyond furious with this company. I have been on hold all day only to be told that no one can help me. The Law Office has contacted them multiple times requesting the amount needed. The least they can do is answer the law office with an exact amount I need to pay so I can get this out of the way and move on. It really is n't that hard.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TOLEDO FINANCE CORPORATION (TX)

I had submitted an application for a loan however i called as soon as i had submitted the loan application for Toledo Finance in XXXX, Texas, to go ahead and disregard my application and to ensure that it will not show on my credit report. It has still gone through as a processed loan after i had advised them twice i did not want the application to be processed.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I use XXXX XXXX XXXX for my truck financing. There has been a late pay which was in XXXX. It was on my XXXX and my Equifax. I disputed it on Equifax on XXXX/XXXX/XXXX. I went in and checked my report on XXXX/XXXX/XXXX and there was 4 more late pays from XXXX to XXXX that showed up after i disputed it. I called XXXX XXXX and asked how could 4 pays show up a year later. The lady whom I was speaking to said she did n't know who handled the credit reporting for XXXX XXXX. She told me to contact a credit agency to ask them.
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposited a USPS money order last month into my Bank of America account and it was held for 9 days. It cleared eventually but I was charged service charges on items that automatically come out of my account based on this same check clearing every month in a timely manner. There was no reason to hold this money order when I told rep to check the past and see that I make this deposit every month. Nothing was done. I have been a customer of BOA for over 20 years. As a courtesy they should have released the deposit. 

bOA rep told me that the payer had put a hold on the check, this statement was not true. I have deposited the same check for over 3 years into my BOA acct, with no holds. 

I deposited another check yesterday I received, from a large MAJOR legitimate insurance company and BOA is holding this check, unnecessarily. I feel that this is obviously an unfair subjective practice based on race.
Consumer complaint received 2018-01-23
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. (CO)

I ave had continuous problems with Equifax that are unbelievable. 

I can not submit disputes online because they do not have accurate personal information for me on file. Disputing by mail takes significantly longer, and all my disputes come back with INCORRECT information. XXXX and XXXX  are correctly reporting these accounts. I have no idea where Equifax is getting their information. I submitted disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received a notice today that my dispute results were ready. When I tried to view them I could not get them pulled up because the website will not accept my address. I finally obtained them by accessing my credit report through a third party. The updates were with information that was even more out dated than the original dispute. 

I contacted equifax twice on XX/XX/XXXX. The first associate kept telling me I dont have an equifax credit report. The second associate told me all she could do is file disputes again and that would take 30 days. I have waited long enough for this company to get it right. I should not have to go wait another month. The f you can not report courage information then you should not be in the credit reporting business. 



The following accounts are not reported correctly. 

XXXX XXXX XXXX XXXX XXXX Account is closed Balance is {$0.00} Equifax is reporting balance of over {$1100.00} XXXX XXXX Account is closed, payments have NEVER been late. The balance is {$0.00} Equifax is reporting a balance Over {$2000.00} XXXX XXXX XXXX This account balance is {$240.00} Equifax is reporting over {$500.00} XXXX XXXX This account is closed with a {$0.00} balance Equifax s reporting open collection with balance over {$300.00} XXXX XXXX XXXX This account is closed with a {$0.00} balance Equifax is reporting open collection with balance of {$390.00} The following hard inquiries were not performed by me and should be removed IMMEDIATELY. I have placed a freeze on my account and expect that Equifax will not furnish my credit information to any one else without my authorization : XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  It is the duty of equifax to uphold the highest standards for accuracy and verification when reporting information that has a financial impact on a person. Due to the negligence and lack of diligence on the part of Equifax, I have spent countless hours calling representatives, filling out disputes, and filing complaints just to get them to do their job properly. This is having a devastating impact on my Financial health and my ability to provide for my family.
Consumer complaint received 2017-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion reduced my credit rating by 74 point on XX/XX/17. I pulled my credit report with transunion and found there was no apparent reason for my credit score to be reduced by 74 points. When I called Transunion they had no explanation but did say that the score they had was different that the one I received through XXXX XXXX, XXXX XXXX and XXXX XXXX. They tried to sell me my credit report again but refused to tell me what the different score they had was. I explained to them that I had a recent copy of my Transunion credit report and could find no negative information that should affect my score by 74 point. and that if they had any negative information that would have caused the 74 point drop in my Transunion score that They needed to make me aware of it so that I had the opportunity to contest the information. They are refusing to be transparent in their reasoning for reducing my credit score by 74 points in one day, nor will they provide me with the " different '' score they claim to have, They are also refusing my the opportunity to challenge any inaccurate information on my report that may have contributed to the sudden significant drop in my credit rating.
Consumer complaint received 2018-04-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing second time around since XX/XX/XXXX granted a Hemp Mod but will not cancel foreclosure proceedings. In XX/XX/XXXX company took extra money without my permission out of my bank account.I was never served in person only publicly by their attorney XXXX XXXX with the excuse could not locate me when indeed forwarding address was all along in my mortgage.Submitted an affadavit to the courts in XXXX with attached charges.I will submit the court transcript to you.Then the first Hemp Mod was revoked.The judge has the envelope papers came in.The explaination was I mailed in papers too late.It looks like Hemp Mod was revoked 2 days after recieving them.Up to this day Ocwen has not provided me with a copy of those closing papers.I have to make the assertion those closing papers were fake.This time around everything was submitted by me early.It is impossible to have a mortgage and being in foreclosure at the same time.I strongly believe as a customer I have been abused by this company and their attorneys.XXXX XXXX called me immorale and that ignorance of the law is no excuse.Ocwen retained XXXX.Company entered and broke in and items have disappeared out of my house during my absence.The garage door is damaged.Door frames and locks broken out.My attorney has the pictures.I filed a report w the XXXX.Neither Ocwen nor XXXX   have assumed responsibility for the damages.
Consumer complaint received 2018-04-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (HI)

I sent {$590.00} via MoneyGram to my wife and wife 's bank account in XXXX. Ref # XXXX  last name XXXX. I was told it would be delivered by XX/XX/XXXX. It has not arrived yet. I called customer service because my online account was closed and money gram rep said they could not disclose why. So now I have to drive back to another MoneyGram place to try to send money to my wifes account again. My debit card only allows {$600.00} withdrawals a day. So I have to make 2 trips on separate days to make the MoneyGram transaction. If I could do this online it would safe me alot of trouble as I could send full amount Now I don't even know if the original {$590.00} will make it to my wife 's account. MoneyGram customer service is extremely rude. They will not let me talk to a supervisor. I am so frustrated right now!
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (PA)

This dispute involves American Express and their collection subsidiary XXXX XXXX XXXX XXXX. I entered into a payment plan with XXXX XXXX XXXX XXXX to reduce my interest rate, waive late fees, and pay off my debt. I was told it was a 27 month program where I paid {$200.00} per month which would cover my balance. At the time of this arrangement I had a past due amount owed. I was told that the past due amount was rolled into the balance and that the payments would cover the past due amount as well as the remaining balance. I checked my credit report however to find that since the arrangement in XX/XX/XXXX, I have still been receiving late payment reports on my credit report each and every month even though payments have been made each month. I was also told that the program of reduced interest and waived fees only in fact lasts 12 months, not the 27 months I was promised when I agreed to the payment arrangement. None of my {$200.00} payments had gone toward the past due amount. ( i 've paid {$1200.00} so far ) the past due amount was {$700.00} approximately so it should be paid at this point. Now I just get passed back and forth between AmEx and this collection service and no one can help me.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am having the most difficult time with Equifax, I recently received a copy of my Equifax credit report on XX/XX/XXXX. I have been calling them for the past two months ( XXXX & XXXX ) about fraudulent inquiries I do not recognize on my credit report. I also sent a certified letter on XX/XX/XXXX, requesting they delete 13 inquiries on my credit file. Equifax sent me a letter on XX/XX/XXXX regarding my dispute and advised the inquires are factual record and to contact the creditors. Equifax did not provide me with any verifiable proof that these inquires are factual, I asked in my certified letter that the send me verifiable proof. I understand that Equifax should n't be allowed to put an inquiry on my file unless I have authorized it. I also understand under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed. Equifax has not provided me any proof or resolution to my concern. 

Inquiries in question are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank has twice turned down my claims for fraudulent charges made on my credit/debit card. I was informed it was because the purchases were made within 50 miles of my home and that they are similar recurring charges. I have never used that ATM or sent money using the service that was used ever in all the years I have been a customer with TD Bank. I have been a customer with them for at least 15 years. 
On XX/XX/XXXX I noticed charges on my account that I did not recognize or authorize. I immediately called TD Bank and filed a claim for over {$900.00}. There was an additional fraudulent charge for {$300.00} that was in the pending process so I had to wait until it went through to file a separate claim, which I did a number of days later. Please note that a provisional credit from TD Bank was issued for the {$300.00}, but not for the original amount. The fraudulent charges are as follows XX/XX/XXXX to XXXX XXXX XXXX  for {$200.00} XX/XX/XXXX to XXXX XXXX XXXX for {$300.00} XX/XX/XXXX XXXX XXXX withdraw at XXXX XXXX XXXX in XXXX for {$200.00} XX/XX/XXXX XXXX XXXX withdraw at XXXX XXXX XXXX in XXXX for {$200.00} XX/XX/XXXX to Square Cash for {$300.00} ( This is the charge that TD Bank issued a provisional credit for pending their investigation. The credit was issued XX/XX/XXXX ) As I stated previously I have never had any charges to these places before. 
I than went to my local police department, the XXXX XXXX Police Department and filed a police report for identity theft. This police report was immediately faxed to TD Bank the day I received it. TD Bank acknowledged to me on the phone when telling me my claim was denied a second time that the police report was indeed attached to the claim, so they have it and still denied the claim. 
I asked the supervisor at TD Bank, XXXX whom I spoke with to refile the claim. She said I would need new information to do so. I do n't know what to do. I am out over {$900.00}, plus the {$210.00} in overdraft fees that TD Bank had the nerve to charge me with after the fraudulent charges hit my account and items started bouncing all over the place. I am on XXXX and do n't have a lot of money so this is really hurting me financially. 
I have a print-out of the bank transactions as well as a copy of the police report.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am contacting you because I have tried contacting transunion about this problem continuously with not resolution so I'm hoping that with your help we can get to the bottom of the problem. My name is XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX I am contacting because transunion continues to report things on my credit report that don't belong to me. They are reporting that I lived at XXXX XXXX XXXX and I have never lived at that address that address is fraud and I want it removed off my credit report. They are also reporting wrongs balances on my credit cards all of them and I would like them all updated with correct information. Transunion also reports several phone numbers associated with me and I have had the same number for the past 15yrs which is XXXX all the other numbers are fraudulent and I want them removed off my credit report at once because they do not belong to me. Also transunion displays two different social security numbers and I have sent them copies of my social security card so that's the only social security number that should be displayed any other is fraudulent and I would like it removed at once. Also I don't want my ssn displayed on my report as I am a victim of identity theft as well as a victim of XXXX XXXX with an order of protection. I am also XXXX  so this is very stressful please help me fixed these inaccuracies in my credit report that me and my XXXX son can get to a safe place as these issues are making my credit score to low to obtain a safe place to live. My ex husband stole my identity as well as my sons and he was XXXX   back to XXXX  for this and the my neighbor XXXX XXXX   burglarized my home and I have a order of protection against him but it doesn't stop the fact that he has already gotten my information as well as my sons. Order of protection was issued by XXXX  towncourt but it didn't stop him because he violated the order so I moved to get my son to safety. I also filed a report with attorney generals office please fix my credit report so that I can get my life back.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back in XXXX, I sent a letter to XXXX and Trans Union ; asking them to investigate errors on my credit report. They have yet to respond, but they are supposed to respond within 30 days.
Consumer complaint received 2018-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

Having issues linking checking account from TD Bank through third party apps on my phone to manage my accounts. ( XXXX, XXXX XXXX ) error received that TD Bank is blocking applications.

Called TD bank spoke to a rep and that stated that they cant help. That they are not blocking anything. However upon searching online I see similar occurances from other consumers. With similar investigation apps such as XXXX, transactions not getting posted, or issues verifying account information. 

Accessing TD Bank online works fine except when trying to link separate accounts. 

Issues have been going on for about two weeks on my end and I called and spoke to the bank rep on todays date X/XX/2018