davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (GA)

To whom this may concern, I am writing this letter on behalf of Macys credit card on my credit report. Back when the pandemic first started I was making a payment on Macys for more than XXXX a month. I reached out to Macys and discussed the possibility of closing the account to make things financially easier for me. I spoke with a representative and was told they can close my account lower my interest to 0 % for 58 months for payments around XXXX a month and I agreed. But they promised if I gave them my account, routing and checking number they would close the account and I would not show up on my credit profile it would be paid In full since I made an agreement to give them my banking information but if I missed a payment they would send to collections. I reached out to them over and over. They verified that was said but say it was a mistake. They cant do that or make mistakes when it comes to credit so Im wanting to have this removed as told and promised. This is not ok and is negatively hurting me on buying a house.

They admitted to me they agreed on closing my account and saying paid in full. Its all on recording. Manager told me that they honor mistakes but wont honor this because they didnt meant to say that false information.
Consumer complaint received 2022-05-20
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. (GA)

I've contacted XXXX & they told me I've never missed a payment, yet XXXX BUREAUS refuses to update me from being listed late payments on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX BUREAUS job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2019-11-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (FL)

I sent two letters stating i revoked my authorization for them to take money from my account.I informed them I would make my own repayment arrangements. The money was to be taken on the XXXX of XXXX, 2019. The letters were sent on the XXXX and the XXXX. There was no response. They took the {$150.00} anyway from my checking account.It is very difficult to get them on the phone and they dont respond to emails. 

They took my money from my bank account without my authorization,
Consumer complaint received 2019-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I started XXXX XXXX at XXXX College on XX/XX/2019. I applied for an in-school deferment before classes even started. It took over 2 months and 15 phone calls to Navient, my student loan servicer, in order to finally get them to apply it to my account. I had to pay 2 months of my student loans while in school and also paying tuition out of pocket because of their negligence. Since XXXX, they have inexplicably removed my in-school deferment 3 times. The first 2 times, whomever put my loans on hold put them on a temporary hold instead of an in-school deferment. This caused late payments to appear on my credit report, and effected my credit score, which I have worked diligently to improve over the last 3 years. The last time I spoke to them, they promised I would be put on an in-school deferment. This morning I received a letter from them that my income based repayment plan was approved and my new amount due would be {$490.00}, due on XX/XX/2019. This is the 3rd time they have made this mistake in the span of 7 months. I called them yet again, and they are trying to tell me they never sent anything to me, even though I literally have the email in front of me. When I asked to speak to a manager, I was put on hold and left there. No one ever came back to speak to me. At this point, I am unsure what is going to happen, and will probably have to call back yet again to make sure they are not going to start charging me. This is unnecessarily stressful, as I have done everything they asked, I have submitted every paperwork needed, and I should be able to be in XXXX XXXX concentrating on my degree, not worrying that suddenly my bank is going to be auto-debited {$500.00} that is set aside for rent, or that Navient is going to wreck my credit again. They are a fraudulent company, and it is unconscionable that they are allowed to do business.
Consumer complaint received 2022-09-28
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-05-31
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/year>, I applied and was approved for a Raymour and Flanigan credit card issued by TD Bank. Though I did not receive the card, I was able to place an initial order for bedroom furniture and a special order for additional bedroom furniture. Once the first order was delivered on XX/XX/year>, I was charged the amount of {$3200.00}. However, with the special order still pending, I realized I never received my actual credit card. On XX/XX/year>, I called TD Bank to inquire as to the status of my new card. I was told it had been shipped on XX/XX/XXXX. The representative asked if I had moved and I said I was about to move into a new home. So I asked if I could change my address so that the card could be sent to the new home. The representative said the would need to send me a text message to verify my identity. When they went to whatever verification software they were using, according to multiple representatives and supervisors, my telephone number came up as unverified. Thus, unbeknownst to me, that caused my account to be suspended. When my special order came in to the local XXXX XXXX XXXX XXXX, I was contacted by a manager there, XXXX, to say that my account was frozen and that I needed to contact TD Bank to get it resolved. Well, eight phone calls and three supervisors later, it has not been resolved. All I kept being told was I need to contact the credit bureaus to get my phone number added to my credit report. I checked all three credit bureau reports and they contained my telephone number. However, my account remains frozen, with the representatives at TD Bank offering no resolution. I remain in limbo.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (IL)

I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXXXXXX XXXX. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately called XXXX back and made another payment with a representative. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I have disputed this payment several times now with XXXX XXXX  and they werent responding at all until I just recently disputed it with XXXX, Equifax, and XXXX while giving my supporting evidence and they just responded as verified. I have no control over XXXX XXXX phone system nor did I have any way of knowing that they were obviously having phone errors as a consumer.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have called to have information to be removed that is inaccurate. I have called to have information to be removed that is inaccurate on my report and Bank of America said they couldn't even find the account. 

This particular one is 6 years old.The account is with Bank of America- and they have been reporting it to the credit bureau XXXX as if it were open. 

The account it closed - They are saying the account is passed due and this is incorrect as this account has been closed for 6 years. 

XXXX reported it on XX/XX/2021 as Pays Account as Agreed with 90 day past due. 

How can I still be 90 days past due when the account says pays as agreed?
Consumer complaint received 2021-11-13
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: TD BANK US HOLDING COMPANY (PA)

Today, XX/XX/XXXX, I checked my credit score, and saw that a Target/TD Bank account had been opened in my name. My score took a gigantic hit. I did not open a Target bank account. I believe that my father opened an account in my name and used my information to commit fraud.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANK OF NEW YORK MELLON CORPORATION, THE (IL)

This case stems from when the Bank of New York Mellon, through their attorneys at XXXX XXXX XXXX XXXX, sold the same property via foreclosure to two  parties.XXXX  XXXX, who soon afterwards became our client, purchased the property the second time from a Foreclosure auction. 
The first people that purchased the property years before never defaulted on their loan and were currently living at the property. When the the XXXX XXXX bought the same property at the foreclosure auction,
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (DE)

A " company '' called Midwest Recovery Systems in XXXX XXXX, MO ( XXXX ) XXXX, suddenly posted a collection on my credit report on XX/XX/XXXX. They claim to be representing a company called XXXX  XXXX XXXX XXXX XXXX. This collection says I owe {$930.00} on an account that they claim had its first delinquency in XX/XX/XXXX. This account and claim are both totally fraudulent. This has caused my credit score to go down 47 points from XXXX. I never did any business with this company neither have I ever heard of having any debts with them. I immediately disputed this to the credit bureaus. XXXX  investigated and deleted it in two days. XXXX XXXX report just repeats the info of the false claim and suggest I report this to the CFPB. I am very suspicious of these Midwest Recovery Systems people. I have read many people experiencing this same scam and having their credit damaged in the process. I also tried to report them to the XXXX   only to find out that the XXXX  had revoked Midwest Recovery Systems ' membership as a result of too many complaints exactly like mine. You can still pull up Midwest Recovery Systems on the XXXX  website and see the XXXX  grade, revocation, and complaints on them. I have spoken with the company XXXX  XXXX XXXX  XXXX XXXX notifying them of the issue. They reassured me that I am not in any of their systems and that they are familiar with this kind of fraud. They also said they would be pushing the matter to corporate. The funny thing is XXXX  XXXX XXXX XXXX XXXX sends loan offers in the mail to me almost weekly. Why would a company be offering loans to someone who still owes them money from XXXX? How could Midwest Recovery Systems be trying to collect a debt for a company who says there was never a debt to begin with?
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen does not have any ideas about mortgage loans, they have informed me that I am negative XXXX in my escrow account, and this is incorrect. 
I have also been told that my account is in the bankrupcty department and no one has active bankrupcty that is on the mortgage account, I have asked this department on several occassions to remove my account from the bankruptcy department and to date have not been removed from that department.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (GA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (FL)

I purchased this vehicle through XXXX XXXX and was presented with 26.3 % interest rate loan through Exeter finance. Which I believe is usury. I was also told by the dealership that if I make car payments for 6 months, that I can refinance. After making on time payments for 6 months, I reached out to Exetor finance co and they said that they dont do refinancing.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (WA)

This is the third of a related complaint. Background : I had an affordable apartment approval revoked due to inaccuracies on XXXXXXXX XXXX credit report. 

One of those errors was Apple credit card. I made my final settlement payment on XXXX and was told in 30 days it would reflect as " settled paid in full ''. 30 days later, it did not, so I called. A supervisor said they would escalate. Around XX/XX/XXXX, the affordable unit I had been approved for was denied, citing the credit cards as the only reason. I called Apple again and was told it would take another 30 days and the issue was escalated to upper management. 

Sometime in XXXX, upper management denied the dispute, saying that it was reported as a XXXX balance " paid in full '' and they had no control over the credit bureaus reporting it correctly or not. They also issued a dispute with the credit bureaus, without my authorization. Please note, that some apartments will not approve a lease when you have an open dispute. I did not authorize Apple to initiate a dispute with the credit bureau. 

I just called again today and the supervisor acknowledged the error and that upper management should not have denied the dispute. He opened a new dispute with another level above upper management and said it would get resolved in 1-3 days. However, the damage is already done and they are not offering compensation for any of this. 

No one has ever disputed that the balance is XXXX as a paid-in-full settlement. 

Also, I checked the credit reports today and saw the " disputed '' code on the Apple card. After my call with upper management today, I noticed the " disputed '' code had been removed, just an FYI.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-20
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. (MA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

In XXXX of this year, my wife of XXXX years of a happy marriage passed-away from a long, lingering illness. As is the case with such long marriages, we had divided our household responsibilities and assumed the care of various elements individually. 
In this case, my wife took complete care of all our finances, including banking, installment loans, credit accounts, utility bills and the like. I had no input or knowledge of such activities during our long marriage, except to say that I trusted my wifes judgment in such matters completely. 

Upon her passing, I had to take over the responsibility for such matters myself. Although she left me good records, I was not privy to her decision-making process, and so I did not know the particulars of any such matters. This is not to be construed as a criticism of my wife, it is only a statement of how we conducted our affairs as a couple. 

Upon researching our banking and credit matters, I discovered that my personal credit rating was rather low, and I found that I was being associated with an unpaid debt, XXXX which I found no mention of in my wifes financial accountings. 

It is about this alleged debt that I write to you today. Midland Funding has a claim against me on my credit report. I have asked them, in writing, to substantiate that claim, but they have never done so. By that, I mean I have asked them to send me any evidence that I personally participated in this alleged account. 

I have asked for anything that evidenced a signature, a contract, anything that I might have personally done to incur this indebtedness, but they have not provided that to me. They send fragments of computer records, but those are so susceptible to fraud as to be unreliable indicators. 

I have disputed this alleged claim against me several times, using the credit reporting agency dispute process, but Midland simply says that their records are correct. Their continued reporting of this alleged debt against me, without proof of my involvement, continues to defame me and reduces my creditworthiness. 

Therefore, I have taken this extreme measure to ask that the people to whom I have addressed this letter require Midland to either produce concrete evidence of my personal involvement or remove the claim from my credit report. 

With respect, I sincerely request that the claim against my reputation be removed if Midland can not substantiate it against me personally.