davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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. (TN)

Several fraudulent accounts appear on my credit report and I have no knowledge of these accounts. I have tried several procedures to have these accounts deleted from my credit report because I didn't know the proper steps to take these fraudulent accounts off my credit report so the information just remained on my credit report. I have contacted these companies directly about these complaints. They did nothing. I even considered paying collections off through collections agency departments in hopes that specific accounts would be deleted. These negative accounts should be deleted immediately from my XXXX  credit report. 

Negative Accounts : 1. XXXX XXXX XXXX / XXXX XXXX XXXX - {$2100.00} on XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX - {$180.00} on XX/XX/XXXX, 3. XXXX  / XXXX XXXX - {$1300.00} on XX/XX/XXXXXXXX, XXXX, 4. XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX{$1000.00} on XX/XX/XXXX 5. XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX{$560.00} on XX/XX/XXXX, 6. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX{$1100.00} on XX/XX/XXXX, 7. XXXX XXXX / XXXX XXXX XXXX XXXX. {$800.00} on XX/XX/XXXX, 8. XXXXXX/XX/XXXXXXXX {$330.00} on XX/XX/XXXX It is also a host of fraudulent hard inquiries as well listed below : 1. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 3. XX/XX/XXXX- Inquiry date : XX/XX/XXXX, 4. XXXX XXXX XXXXXX/XX/XXXXXXXX - XXXX date : XX/XX/XXXX, 5. XXXX XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX, 6. XX/XX/XXXXXXXX XX/XX/XXXX- Inquiry date : XX/XX/XXXX, 7. XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX - Inquiry date : XX/XX/XXXX, 8. XXXX Inquiry date : XX/XX/XXXX, 9. XXXXXX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 10. XXXX Inquiry date : XX/XX/XXXX 11. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX These accounts should be deleted immediately from my credit report immediately.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe compliance with FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly verify the documentation? Several of the stated accounts exhibit inaccuracies in their reporting.
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

" FINANCIAL CREDIT NETWORK '' IS REPORTING A DEBT THAT I DO NOT OWE. I WAS IN AN ACCIDENT IN 2018 WHERE A CAR HIT ME AS I WAS WALKING. THE DEBT, TO MY KNOWLEDGE, IS FROM THE COST OF THE ABUMLANCE. THE DRIVER AT FAULT HAD INSURANCE AND WAS SUPPOSED TO PAY FOR ALL DAMAGAES/COST INVOLVED. I HAVE ATTACHED A COPY OF THE POLICE REPORT AS PROOF. PAGE 1 SHOWS THE DRIVER AT FAULT AND WHAT INSURANCE THEY HAD ( XXXX XXXX. THE 2ND TO LAST PAGE WILL EXPLAIN THAT THE DRIVER IS AT FAULT FROM POLICE OFFICERS. I HAVE ALSO ATTACHED A LETTER I RECEIVED FROM MY ATTORNEY DURING THE TIME. I WILL REACH OUT TO MY ATTORNEY AGAIN IF THIS ACCOUNT DOES NOT GET ERASED FROM MY CREDIT. PLEASE REMOVE THIS INACCURATE REPORTING AND DEBT THAT I DO NOT OWE.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am writing to inform you about an issue I encountered with the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, CT XXXX on XX/XX/XXXX. I deposited a total of {$4200.00}, consisting of XXXX {$20.00} bills and XXXX {$10.00} bills, into my account, but only {$4000.00} was credited to my account. 
First, I put some cash into the ATM ( ATM ID : XXXX ) in that bank at around XXXXXXXX XXXX but it was no much for one transaction, so the ATM gave me some cash back. There was something wrong with the machine. It roared for about two minutes and gave my card back, and did not provide a receipt or display the amount deposited.Thus I didn't know how much I saved to my account, and I didn't count the remaining money. 
Second, I went to the bank teller counter to complete the transaction. I gave the remaining cash to the male staff, who put it into a currency counting machine and told me it was {$2500.00}. The receipt shows that I saved it at XXXXXXXX XXXX 
Then I left the bank. I checked the mobile app on my phone and noticed that they only saved {$4000.00} ( {$1500.00} from the ATM and {$2500.00} from the teller counter ) to my account, leaving a discrepancy of {$200.00}. I asked the male staff in the counter who saved for me, but he insisted that I had only given him {$2500.00}. 
I kindly request your assistance in crediting the remaining {$200.00} to my account. I have only the receipt from the teller counter.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (SD)

On XX/XX/2021 ; I called TD Bank Customer Service to inquire about problems accessing my online banking. This has been after two weeks of attempt to resolve this issue. I lost my phone on a Subway train in XXXX during on XX/XX/2021. Because of that, I had to get a new phone and a new number. I have not been able to log into my account nor receive any assistance in doing so. Their verification questions are impossible to answer because I haven't made a transaction in a branch or ATM since the beginning of XXXX. I left the XXXX of Massachusetts for school on XX/XX/2021. Therefore, because of that I can not remember the amount of transaction. 

TD Bank has been impossible to work with and they have failed to resolve my issue, despite my kind requests. They are not America 's most convenient bank. When I called on XX/XX/2021, I was told that because I am " outside of the TD Bank footprint '' that I would need to go into a branch physically. They are failing to show any consideration that I am a college student out of state. To go to a branch physically, would cost be large amounts of money just to solve a single issue. They are being disrespectful, discourteous, and quite frankly terrible customer service. 

TD Bank needs to be held accountable and taken to task for their horrible customer service. All I'm asking for is to be able to access my online banking. They are making it more difficult then it needs to be.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

A collection was reported to Equifax credit bureau by XXXX XXXX XXXX in error. I called the collection agency and the agreed to delete the wrong data with all credit bureau. I have a letter directly from XXXX XXXX XXXX confirming account to be deleted I disputed the account with Equifax three times using the letter. All three time the investigation results came back stating account has been verified as accurate. I even tried calling the dispute department but they told me the system can not authenticate me as a caller, even after I gave them scanned my drivers license and a self picture. 

I'm attaching the letter from the collections agency showing they requested account to be deleted.
Consumer complaint received 2021-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit was ran without my consent or knowledge on XXXX by XXXX XXXX XXXX, when I called them to ask if they had an authorization, identification of the person that applied for credit in my name, they told me to contact the credit reporting bureau & hung up the phone on me!
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

Received letter XX/XX/2021 stating my account was to be debited {$500.00} for two checks my wife cashed on XX/XX/2021. Letter states these 2 checks were cashed twice at two different branches by my wife XXXX XXXX, who is on the account. These are her payroll checks received weekly @ {$250.00}. I have gone to 3 different in-person appointments at 3 different branches. I had also opened a case with U.S. Bank corporate to investigate how this could have happened. My wife could not have cashed these checks, then have the clerk hand them back to her. If by chance it did happen, she would have immediately asked why they were handed back to her. I have worked with XXXX at my local branch in XXXX, Ca. She worked on it for appx 3 weeks. Then told to work with the XXXX, Ca branch manager XXXX XXXX. Who then told us to work with XXXX at the XXXX XXXX, Ca branch. No one can explain where or why the {$500.00} has gone. Local branch personnel say its a common error and keep fighting. ( of the record of course ) I have all correspondence copied as well as phone records
Consumer complaint received 2023-05-20
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. (OR)

I received notice from all 3 credit companies today that a new collection account had hit my credit. I reviewed the account. This is an account from XXXX, which was opened in XXXX. It is now XXXX. This debt is over XXXX XXXX XXXX and has appeared on my credit several times by several different collections companies. I have a current account with XXXX  XXXX, two actually, and have therefor long since resolved this matter. As it reads now it does indicate that XXXX  XXXX was the original creditor however, it states past due as of XX/XX/XXXX and appears as a newly past due collection. This is false. The balance, the account open and delinquent date, all false. An old debt sold to another collection company thats long been settled appearing as a new debt. That is illegal. The companys name is consumer adjustment co.
Consumer complaint received 2023-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (NC)

This person is very rude every time I talk to him. Today, he was extremely rude. This is what he said : " it's your debt, not mine. '' Like why you would you say that to someone? Very rude! It's stressful enough to experience this.
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (PA)

They sent me the notice on XX/XX/2021. For the amount of {$1200.00} plus cost of Im not sure what which is {$1300.00}. States we will garnish your wages and also have me incarcerated if I do not reply in 14 days. The information they have is incorrect and I do not currently work and they have an employer that I never worked for.
Consumer complaint received 2021-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The credit Bureau is refusing to investigate my dispute saying that the info was valid when there is a bunch of inaccuracies on my credit report such, The DOLA dates dont much one bureau is reporting it as bank loan when its clearly a student loan which is a big violation the open dates dont match the late payments dont much one bureau is reporting 2 late payments the other one reporting 4 XXXX deleted my student loans because of all the inaccuracies
Consumer complaint received 2021-08-25
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. (NM)

I reached out to the credit bureaus of XXXX, Trans Union, and XXXX in XXXX, XXXX, and XXXX. I specifically asked for verification of the accounts involved, and I received no proof or explanation as of why the accounts came back verified as accurate all three times. Each month, the account amounts are being updated, and show as different amounts from each bureau.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc. (CA)

I am set up with Auto Pay using the 3rd party service I was given by the creditor at the time of opening my account. Last year the auto pay was set up but didn't get paid due to the setting of the 3rd party system. I called once I noticed it was never paid and made the full payment and the person from the 3rd party company rectified their Auto Pay system but at this time it was now showing as a 30 day late. The 3rd party company said I must speak with the creditor to correct the reporting but the creditor didn't help due to it being paid late.

This year my wallet was stolen along with my debit card so I created a new bank account on the Auto Pay prior to the payment being taken out for the month. According to the creditor someone on the 3rd party servicing system ( Bay Finance Company LLC ) cancelled my payment for the Auto Pay. I can not get anyone to tell me who cancelled this payment. They never notified me that it didnt go through on the new bank account I set up and when I tried to speak to someone for details my voicemails were not returned.

I think it is horrible that a {$75.00} per month account that has been on Auto Pay for years is putting 30 day lates on my credit report when I have never avoided paying this creditor. The two companies that work together are not helping me and I can not wait to pay off and close this debt.
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ASTA FUNDING INC. (NY)

I lost my wallet years ago as a result of that I have had fraud committed in my name several times the 1st was from XXXX the second was XXXX XXXX the third was my Checking account at XXXX. and now this a XXXX XXXX  credit card that I never heard of for the sum of XXXX Please Help Me Thank You
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

A collection account in the amount of {$440.00} was removed from my credit report from XXXX  after being found to be fraudulent. A different collection company has purchased the fraudulent account and added to my credit report again. This is not following the FCRA regulations by doing this.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I received my monthly bill showing several charges for extra airline luggage we checked on a flight to XXXX Ohio on XX/XX/XXXX and to XXXX on XX/XX/XXXX. The amounts were {$100.00} each way. In XXXX AMEX asked me to upgrade my credit card which would increase my annual membership {$150.00} per year. One of the caveats to this was I would get {$100.00} credit on anything I purchased with the airline if I used my AMEX card to book the flight which I did. I was given this in XX/XX/XXXX but when I called about my {$100.00} credit for this for the XX/XX/XXXX charges I was told that I had to register the airline with AMEX to get this. I was never told that and if I was, I would not have taken it because I fly different airlines depending on costs, layovers, etc. Their response was they would not give the {$100.00} credit and when I told them to downgrade my card so I would not pay the extra {$150.00} per year, I was told I would have to go with a standard AMEX XXXX card. I have been a loyal, on time paying Gold Card member since XXXX. I would think that 31 years of loyalty would be something but instead it is okay we will charge you more, not honor what we told you and if you don't like it we will downgrade your card. I guess since I pay it off monthly they are not making enough money off me.
Consumer complaint received 2023-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

CF P B : Capital One just closes this dispute since XXXX XXXX  (! ) without resolution Submitted many times and Capital closes as duplicate but NEVER answered with resolution letter Please ASK CAPITAL ONE for resoltion and finality on this matter I have sent recipts, answered their form, copy receipt every piece of documentation I could think of
Consumer complaint received 2021-08-26
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. (MI)

Contacted creditors & bureaus 50 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC (FL)

700 Credit/XXXXXXXX  is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter to the credit reporting agency regarding inaccurate, misleading and unauthorized information on my credit. To this day over 35 days, i have never received a response and this is frustrating. I was told that if i sent a letter the credit reporting agency must investigate and reply to my requests. If the reporting agency fails to investigate, it must be deleted from my credit report. I request these items to be deleted since i am being ignored from the reporting agencies. In addition, i was affected by the equifax data breach that happened and my info must have landed in the wrong of the wrong person.
Consumer complaint received 2021-08-26
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: NAVY FEDERAL CREDIT UNION (CA)

XXXX, XX/XX/XXXX. {$21.00} past due amount. Called Navy Federal to let them know that wife and I got XXXX XXXX  XXXX  and were extremely XXXX  and completely forgot to make payment on my checking line of credit. We were pretty much XXXX  for over a month and was unable to even go to work and at the same time my wife had been unemployed for over a year ( starting XX/XX/XXXX ). We have so far made all the past due payments and I called them and explained to them the situation and to ask them to remove late payment from my account but they said they are unable to do so even if I explained to them that were were affected by XXXX
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A collection account in the amount of {$440.00} was removed from my credit report from XXXX after being found to be fraudulent. A different collection company has purchased the fraudulent account and added to my credit report again. This is not following the FCRA regulations by doing this.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

Good Evening, I was on Covid forbearance with a previous lender when my loan was sold. 

Original loan was with Rushmore Loan Services New loan is with XXXX XXXX XXXX As I was running my credit report I saw negative remarks from original servicer of the loan which was Rushmore Loan Services. 

From what I understand there should not be any negative remarks when a servicer sells a loan to another company and there is a 60 day grace period from a sale of the loan. This did not occur for me and now there is a negative remark on my credit report. As followed I sent information to my original servicer and they could not tell if they received my information via fax and was given a run around. I am fighting to keep my home but I had to sell due to some hard times that everyone is facing not just me and making sure my credit is intact for my family. I just want this negative remark to go away but do not know what to do next. 

Please help Thank You and God Bless