davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2024, I noticed unauthorized credit inquiries on my credit report from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, BK OF AMER and XXXXXXXX XXXX  I did not give permission to these companies to access my credit. As soon as I saw these inquiries, I contacted each company to dispute the unauthorized activity. I also reported the incident to the credit bureaus and filed a report with
Consumer complaint received 2020-03-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

As 5 decade members of NFCU and seniors with a VA XXXX, NFCU failed to give us a fair processing of our mortgage application. 
The loan was approved by the credit review team on XX/XX/XXXX with a XXXX XXXX and DTI well within VA guidelines. I was told that the everything looked good and the target closing was on XX/XX/XXXX. On XX/XX/XXXX we got an urgent call for payment of the appraisal fee and an appraiser would call within 5 days. No appraiser ever called. 
At XXXX XXXX  on XXXX XXXX we received an email ( attached with auto replies ) stating our application was terminated after a Credit Review Team meeting. When I replied within minutes both to her  and her supervisor were returned reading they were out of the office from the day before their email until XXXX. Businesses don't send an email like this on XXXX XXXX unless they are vindictive. 
The follow on denial letter received in XXXX merely was a checkbox for DTI and prior credit history, contradicting what I had been told previously. Most importantly, at no time during this whole 45 day process did anyone at NFCU raise any concerns, ask for clarifications, propose any options. 
I also received no immediate credit for appraisal fee as promised and I had to file a claim with the credit card company. 
This leads us to believe that we were denied due to a late year change in policy about senior members on VA XXXX having mortgages with NFCU or we were deliberately strung along as retribution for a bankruptcy filing nearly 10 years ago. 
An subsequent application on XX/XX/XXXX to XXXX just closed, was approved and well within DTI limits which confirmed our suspicions of NFCU bias against seniors or us personally. Our loss was 3 months of interest / PMI payment savings totaling {$1000.00} plus unneeded stress and humiliation.
Consumer complaint received 2020-03-16
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. (CA)

I have been shopping for cars for about a month and on XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however, when my credit report came back, I was told that I didn't get approved at all because there were several accounts in negative standing on my credit. I looked through my credit report and I saw many accounts on there that I never opened. The accounts are from XXXX XXXX, XXXX XXXX XXXX  & US BKPT CT CA XXXX. None of those accounts belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts.
Consumer complaint received 2020-01-11
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. (AR)

TRANSUNION is showing 2 hard inquiries on my credit report that I did not initiate or approve and as you can see from my credit file - no credit was obtained as is required for having such inquires on my report. they need to be removed from my credit file. 


XXXX XXXX XXXX Inquiry : XX/XX/2018 & XXXX XXXX  Inquiry : XXXX. XXXX, 2018
Consumer complaint received 2020-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TCF NATIONAL BANK (MI)

TCF Bank  stole XXXX me. They took money out of my account with the promise they would send a check to XXXX XXXX. They didn't send the check to XXXX XXXX. They took my money, then farmed out the check writing to a 3rd party named XXXX. When I complained on XX/XX/XXXX that they never sent the check to XXXX XXXX, an employee named XXXX told me she would not accept my complaint and would do nothing to help me. She told me to call next week and complain to somebody else because she was not willing to take any responsibility to send my complaint to the appropriate person. This is the 2nd time in the past 6 months they did this to me. They also stole XXXX on XX/XX/XXXX when they took money out of my account but did not send the check to XXXX XXXX. They said they refuse to notify customers when they have an error/trouble processing a check, and they refuse to balance their books, so any time they fail to mail a check to a recipient, they just keep the money and never tell the sender ( me ) that they didn't write the check or it wasn't cashed or whatever. Employee XXXX told me it was my job to call TCF during hours when it was convenient to TCF ; if it's not convenient for the employee, the employee just washes his/her hands and does nothing about the theft of my funds. I won't beg them to write the check I paid them to write. I won't waste my time begging them not to steal from me. I will let them pay {$400.00} per hour to an attorney to answer this complaint from the government. Maybe then, XXXX won't be such a XXXX  about my complaint of theft.
Consumer complaint received 2020-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

Convergent outsourcing inc . 
sent me a letter saying they were collecting {$360.00} i owe to an orthopedic doctor. I called doctor and no debt exists. They are not looking for any money from me. I have insurance and paid my copay as I went. this was 4 years ago.
Consumer complaint received 2022-11-08
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. (FL)

I checked my credit report and notice these fraudulent inquiries. I don't have any idea why they were listed on my report. This is FRAUD!
Consumer complaint received 2020-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cohen McNeile & Pappas, PC (MO)

Debt collector McNeils Pappas PC I received a letter to appear in court XX/XX/XXXX at XXXX oclock. I showed up and at the end the judge asked why I was there and I showed him the letter debt collector, Judge told me I didnt need to be there because they didnt file it right, And they never showed up .They are saying I owe {$14000.00} on a date to XXXX XXXX XXXX . This is where I bank they hold the note to my house. XXXX I made a report with the federal trade commission FTC # XXXX and police report. 
I dispute it with my bank XXXX XXXX XXXX XXXX but they would not do anything. I had other fraudulent charges that Ive been taking care of. But this is the one thats going to collections and threatens to sue.
Consumer complaint received 2020-03-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TX)

on XX/XX/2014 purchased car with spouse car was returned volunarly. which still was a repossession.reported as of XX/XX/XXXX as closed at a XXXX balane activity transfer or sold.i contacted the dealer, was told the car was sold.no information was given.this account is closed,
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. ()

I moved house and called Equifax to update my address. The next day my score dropped from over XXXX to XXXX due to not being on the Electoral Roll, but a further marker appeared stating my repayment conduct is poor. All of my credit accounts are up to date and I have not missed any payments. I called Equifax several times in XXXX and then filled a complaint on XXXX XX/XX/2020. I received an email on XXXX XXXX saying they needed more time and a new complaint was created under my profile. I have no idea why? I again called Equifax on XXXX XXXX and was told somebody from the Complaints team would call me back. Four days has now passed and I still havent received a call. I pay XXXX per month for this service. I currently can not apply for any credit agreements and need to purchase a car as I receive a monthly payment from my employer rather than having a company car.
Consumer complaint received 2020-01-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been a victim of abused due to discrepancies on my credit report with XXXX XXXX Credit card services, I legally paid this account in full XX/XX/2018 and it is reporting on Experian Credit Bureau as a charged off. This account has been deleted from XXXX  and XXXX  credit BUreaus, I do not know why it has not been removed from Experian I have been dealing with this issue almost a year and 2 months no response I totally disagree. My crdit I have exceptional payment history on all my credit reporting accounts. This XXXX XXXX Credit Card Services is potentially affecting my small business I have not been able to get approved for a business loan because of this issue. I want to consumer credit report law states that a Fiancial Institution may have discrepancies reporting diferent information to credit bureaus. I demand for this XXXX  XXXX credit card account to be removed and deleted from Experian Credit BUreau like it is removed and deleted from XXXX  and XXXX, as a XXXX XXXX year. i have the right to file a complain for this discrepancy that as i wrote it it has been affecting my score and credit report
Consumer complaint received 2020-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (LA)

I sent a letter to State Collection Service Inc. at the beginning of XXXX in response to a collection letter they sent me. The letter they sent was the first one they sent. Days later the debt collection was on my credit report before even trying to resolve the matter. If giving a chance, then I could have provided them with my insurance providers information. I also contacted my insurance provider XXXX XXXX XXXX to make sure they would take care of the bill being that I didnt have my card at the visit. So I sent a letter asking for validation not verification. They responded with a doctor bill for XXXX from XXXX XXXX XXXX XXXX of XXXX XXXX la. I sent back a copy of my insurance card an a letter asking them to remove their inaccurate information from all my reports
Consumer complaint received 2020-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (FL)

I've been recently made aware of a supposed debt to Credit Management. On XX/XX/2019 the debt was added to my credit report. I have no contractual agreement with this company and no proof of this debts validity. The debt is for XXXX.
Consumer complaint received 2020-01-11
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: Experian Information Solutions Inc. (NY)

I filed two disputes with experian, XXXX  and XXXX  regarding information on my credit report being inaccurate. The first dispute letters were mailed out on XX/XX/2019. The accounts requesting to be corrected are as follows : XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX. In addition, removal of incorrect late payments on DEPTEDXXXXXXXX  XXXX. From the initial dispute letters, XXXX  FAILED TO REPLY WITHIN THE 30 days time allotted. A second set of letters were mailed to experian, XXXX, and XXXX  on XX/XX/2019. To my dismay I received no correspondence back informing me of the results and/or status of my disputes. 
I HAVE NOT RECEIVED ANY COMMUNICATIONS FROM XXXX, XXXX  OR EXPERIAN. I CONCLUDE THEREFORE THAT YOU WERE UNABLE TO VERIFY THE DISPUTED INFORMATION OF THE ACCOUNTS ABOVE. AS SUCH, PLEASE DELETE THE INACCURATE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AND SEND ME THE UPDATED COPY. PLEASE INSURE THESE ACCOUNTS ARE REMOVED PROMPTLY TO AVOID THE PURSUIT OF MY RIGHTS UNDER 15 USC SECTION 1681N AND 1681O, WHICH REQUIRE YOUR COMPLIANCE.
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TN)

contacted by collecting agency called convergence which is collecting for XXXX XXXX in XXXX Texas saying I owe {$240.00} the problem is I have never been to Texas to my knowledge have no family living there and was not aware of this XXXX XXXX until they contacted me. I have made attempts to correct this but the are convinced I made this debt, I have explained the state that I live in which is XXXX Tennessee and never been to Texas. who ever did this had all my information including my social and really causing me great stress. I don't know what to do.
Consumer complaint received 2020-03-15
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. (NY)

I was recently denied a lease for an apartment I'm assuming for the following reason. 

XXXX  is currently reporting : XXXX/XXXX XXXX XXXX account number # XXXX : Currently reports inaccurate balance or credit limit ; a violation ; as a result the entire account must be deleted immediately. 

: Currently reports a monthly payment amount after account has been closed. A violation : as a result the entire account must be deleted at once.
Consumer complaint received 2020-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I received two separate insurance payments from the insurance company on a hurricane Michael damage claim. The first settlement was for {$44000.00} and a little over a year later I received a second payment on the same claim for {$92000.00} I sent the check to Fifth Third 's ( the mortgage company ) loss draft department via certified mail and they signed for it on XX/XX/2020. On XX/XX/XXXX I made an online request that the proceeds be used to settle the mortgage balance of approximately {$120000.00}. The loss-draft department acknowledged receipt of my request on XX/XX/XXXX as well in an online response that indicated someone would contact me " shortly '' ( I have all of these documents saved ) On XX/XX/XXXX I began calling to find out shat " shortly '' meant. On XX/XX/XXXX the request was forwarded from the loss draft department to the Mortgage Department. Since then on various calls I have been told it would take 3 business days, then 4, then 10 and then finally on XX/XX/XXXX I was again told it would be an additional 10 business days. 

During the time between their receipt of my money and their application of it to my mortgage my loan continued to accrue approzimately {$15.00} per day in interest charges. Additionally they held an overpayment in excess of {$7000.00} without payment of any interest for over one month. 

It is my opinion that the delays in this case were excessive and that the institution attempted to profit by intentionally inordinate delays in internal paperwork processing.
Consumer complaint received 2020-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

This institution ( University XXXX XXXX - XXXX XXXX ) failed to fulfill its most basic obligations as a student loan servicer. Furthermore, its shortcomings were echoed in the experiences I've had with its contracted debt collection agency ( XXXX XXXX XXXX. ), as well as its loan servicer ( Heartland ECSI ). Collectively, these three entities deprived me of basic borrower 's rights, neglected their creditor obligations to me, provided me conflicting & misleading information to me, and habitually resorted to shifting blame amongst one another. 

Violations by XXXX ( and the aforementioned, on XXXX 's behalf ) include : 1 ) After multiple requests to XXXX, XXXX XXXX , & Heartland ECSI, all three entities refuse to provide a signed copy of my Federal Perkins Loan Rehabilitation Agreement. The  agreement states that I am entitled to a signed copy, but my requests for documentation have been rejected or ignored. 

2 ) Failure to maintain adequate payment records. There are inexplicable discrepancies between the dates payments were made to XXXX XXXX, and the reported payment dates on record with Heartland ECSI. When addressing this issue with both entities, I was told that this was due to the respective monthly reporting cycles for each entity. I find it preposterous that the reported payment dates can not be retroactively corrected, especially if I am to be charged interest for the discrepant days. Additionally, XXXX shows that a portion of all payments had been allocated to interest, whereas Heartland ECSI 's records show that interest allocations were made quarterly. I was not provided an adequate explanation to this day, and don't know which to reference while figuring the student loan interest deduction for my taxes. 

3 ) I was informed that upon successfully rehabilitating my loan, per our Federal Perkins Loan Rehabilitation Agreement, XXXX would instruct credit bureaus to remove records of previous default & late payments from my credit history. My final payment, which marks the successful rehabilitation of this loan, was made on XX/XX/2020. I requested an updated credit report from XXXX  on XX/XX/2020, which still shows both the previous default & late payments for this account. 

4 ) Prior to initiating the rehabilitation agreement, a XXXX representative informed me that successfully rehabilitating this loan would reinstate benefits entitled via the original promissory note, including a waiver of collection fees. This statement was made via email correspondence, and I am able to furnish the email log upon request. This promise was one of the explicit reasons I agreed to rehabilitate this loan.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

After months of dispute with BofA, today ( XX/XX/XXXX ) I received the company 's denial of my case, and for the first time ( despite repeated requests for months ), submitted to me the " documentation '' that " prove '' I incurred the charges. 

I live in XXXX, Oregon. ON XX/XX/XXXX, the date of the charges, I was working in XXXX, Oregon. 

According to the " documentation '' to support the charges to XXXX, I was also in XXXX, NY and XXXX Washington on XX/XX/XXXX, within hours of each other. As those locations are 2,800 miles apart, and the charges shown are close in time, it would have been virtually impossible for me to be in both of those places on that date. I am unclear of whether you actually require the bank to LOOK at the charges, and see if they are consistent or not, but that clearly did not happen here.
Consumer complaint received 2020-03-15
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. (CA)

I have tried to correct this issue with the bureaus and they refuse to correct this inaccurate account. I have filed the attached complaint with the Federal Trade Commission. Please see attached.
Consumer complaint received 2020-01-10
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. (UT)

XXXX is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.
Consumer complaint received 2020-01-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX XXXX XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX  OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.