davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/XXXX I got an alert from XXXX of a new account opened I immediately took action XX/XX/XXXX I called TD retail card services customer service to report an account using my ssn and name had been opened in my name fruadently they has reported it was opened and a purchase was made for over XXXX dollars a charge card I was told purchase had not shipped yet and we can get ahead of this and they were going to block the card I called again a few days later and was told by another customer service rep that the account would be deleted and was confirmed as fraud I'm still carrying a balance of debt on my credit report of an account that's not my account I spoke to another rep today XX/XX/XXXX that told me u was not suppost to bebgiven out any information until case is completed even though i was already told by a previous rep that my case was resolved and account would be deleted all information is give to the investigator that looking into case all information is not correct officer has caught company reporting to my credit with different resolutions and no confirmation for a solution!
Consumer complaint received 2020-08-12
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: AMERICAN HONDA FINANCE CORP (MA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2020-08-12
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. (NC)

I have been going back and forth with XXXX and Experian for almost 4 years. 
My credit report had several items on it that do not belong to me. Tons of inquiries that I have no knowledge of. My identity was stolen years ago. I forwarded all of my info over to the bureaus with a police report and all. Also I was a victim of identity theft by someone proclaiming to hire me on a job last year. ALL OF MY PERSONAL INFO WAS STOLEN. I have a police report to show that I reported it. I passed on to each a Bureau but nothing has been done. 
The only thing that they do is have lenders call to verify my identity when I need to pull my credit
Consumer complaint received 2020-08-12
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. (NC)

I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XX/XX//2020.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XX/XX/2020.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (OH)

The account XXXX XXXX Bank on my credit report was paid in full and I was told by resurgent capital services LLC who owns and bought the account that it would be deleted off my credit report and it hasnt and its been paid in full since XXXX.
Consumer complaint received 2020-08-12
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. (IL)

Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-08-12
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. (NC)

I have been going back and forth with Exquifax and XXXX  for almost 4 years. 
My credit report had several items on it that do not belong to me. Tons of inquiries that I have no knowledge of. My identity was stolen years ago. I forwarded all of my info over to the bureaus with a police report and all. Also I was a victim of identity theft by someone proclaiming to hire me on a job last year. ALL OF MY PERSONAL INFO WAS STOLEN. I have a police report to show that I reported it. I passed on to each a Bureau but nothing has been done. 
The only thing that they do is have lenders call to verify my identity when I need to pull my credit
Consumer complaint received 2020-08-12
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: SYNCHRONY FINANCIAL (OH)

I checked my credit report and saw a hard inquiry from Syncb/paypal I never applied for anything from them. I called and they confirmed that it wasnt me but they never deleted inquiry from credit report.
Consumer complaint received 2020-08-12
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: I.C. System, Inc. (CA)

I have a loan with I C SYSTEM ( Original Creditor : XXXX XXXX  XXXX XXXX ), XXXX  XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, I C SYSTEM ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ), XXXX  XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-18
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. (PA)

I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not  communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. An FTC/Police report has been previously filed and is attached to this complaint. 

XXXX XXXX Account # XXXX Amount {$21000.00} Department of Education Account # XXXX Amount {$81000.00} XXXX XXXX XXXX  Account # XXXX Amount {$0.00} Inquiries : XXXX XXXX DC XXXX XXXX XXXX XXXX Department Of Education/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

Company has continued to report the paid and closed account incorrectly to XXXX and XXXX. The paid and null debt has been removed from XXXX as it should, and company has not removed from XXXX and XXXX. Due to XXXX finding this report eligible for removal, company needs to ensure reported information is consistent across all three bureaus.
Consumer complaint received 2020-06-18
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. (GA)

I pulled my credit and there is an account on my credit report that doesnt belong to me. Please investigate these accounts and remove them. Please send updated report after inquiries and accounts are deleted.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (IL)

Hello, Re : XXXX Hello, In late XXXX, my wife and I reached out to Guaranteed Rate to refinance our current house, as rates were great and want to take an advantage of that. Initial conversation were ok, as I quickly collected all required documents to start this process, and within a few days we had everything ready. At that time I was advise that this should not take long. On XX/XX/XXXX we got an email from Guaranteed Rate that our loan was conditionally approved, and conditions were : subject to accept by Guaranteed Rate, and for them to obtain clear title report. With only two small items we were further advise that we will close the loan by XX/XX/XXXX, felt long time but I accepted that information. Around XX/XX/XXXX I have emailed Guaranteed Rate and followed up with a phone call asking for status. Again around XX/XX/XXXX I did the same, email and phone call, both time leaving messages to call me back, still no respond from Guaranteed Rate. Now almost every few days I do the same with no response .... 






People involved : XXXX XXXX,
Consumer complaint received 2020-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

Re- complaint # s XXXX XXXX The response by the bank fell short of the following ; 1. Why was the wire transfer processed to a different name other than the name intended for the transfer. 

The name of the account was XXXX XXXX XXXX services on the wire transfer, but the money was transferred to an account by name XXXX XXXX. 
The bank owes us an explanation to that effect. That was not addressed in their response as to why they processed the wire transfer to a different name other than the name intended for the transfer. 

Failure of the bank to explain that to us will result in us taking the matter further up against the bank because we feel the banks role was aiding and abetting a criminal act of fraud. To knowingly process funds to a name that does not match the name intended for the transfer is unacceptable and that is why we are holding the bank responsible. 

Without a valid explanation from the bank, we will have to sue the bank. This will include damages for the following. 
1. Total payment for the loan with interest. 
2. Second loan for the replacement vehicle we were forced to purchase in absence of the first. 
3. Attorneys fees 4. Compensation for our time and efforts.

This will be decided in the court of law and at that point Fifth-third Bank will not be able to excuse their action.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I want a reinvestigation of all my disputes with EXPERION. And the manner in which the investigation was carried out.? 
And by FCRA LAW as enforced by the FCC, I request that EXPERION include the name and phone number of anyone contacted in connection with the reinvestigation
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (RI)

My wife and I refinanced our home in XXXX, our new mortgage was purchased/serviced by Rushmore Loan Management Services. we have our payment set up with an escrow account and such which the mortgage company pays direct to the town for taxes and to our insurance company. we have had nothing but problems with this company since they took over our loan. our first payment was ALMOST late because they kept telling us that our account setup was under review and thus we could only pay by check. thankfully we were able to pay on time. then the big problem just happened this past week. we get a letter in the mail from our town saying our taxes are delinquent. well we have been paying our mortgage on time and they have been collecting the escrow money. 

I called the company to find out what was going on and they said that " someone put a hold on your escrow '' and so I ask who and why and they said " we dont know who did it or why but thats why it hasn't been paid ''. to which I responded ok, well fix it. they said it has to go through a review process. in the meantime the delinquency is accruing penalties from the town. so I pointed that out to them. they said that they have to investigate if it was my fault and can not guarantee they will cover the penalties. I dont understand how that is possible. all I do is pay my bill like I am supposed to do. they made the mistake. and now they are telling me the investigation will take until XXXX to complete, in the meantime my taxes are not paid and they have the money in the escrow to pay them. at this point im at a loss, ive been a home owner since XXXX, never had a late payment never had an issue with our old company but Rushmore seems like they are a scam company.
Consumer complaint received 2020-06-18
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: Experian Information Solutions Inc. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NJ)

I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the XXXX of XXXX XXXX XXXX XXXX XXXX, there is no record of any lien from any company against me. I have supporting documentation from the XXXX of XXXX to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and is you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Consumer complaint received 2023-05-29
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 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
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2020 there was a security deposit deducted from my account but I cancelled the contract, in writing, within a 72hr period in accordance with the Truth and Lending Act. However, I was unsuccessful in getting a refund from the merchant and therefore I called my bank because I was unable to dispute the matter online. After the correspondence with the bank on XX/XX/2020, I believed the funds would be returned since I was unsuccessful with the merchant and talking with them is the first requirement to dispute a transaction. I completed the proper paperwork with accurate and detailed descriptions of the correspondence and even faxed the proof over to the bank. However, I was also told by the bank that they would be taking back the credit on XX/XX/2020 and I do not believe that was fair or a thorough time frame to investigate the facts of the dispute. Whenever a bank needs to TAKE your funds there is no issue at all, however there is always a big hassle or extreme difficulty to get YOUR funds RETURNED. Since the dispute has been closed, I have not heard anything else from the bank.
Consumer complaint received 2024-04-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (NY)

Creditors XXXX XXXX Specialized Loan Servicing LLC XXXX # XXXX SLS ( My second Loan Servicer ) sent paperwork for Foreclosure, and a same time they said I can do modification. And to start modification process they are asking to pay 30 % from the payoff amount of $ XXXX. Unfortunately, I do not have such amount and they just stop working with my loss mitigation request. They appear to delaying and potentially trying to just incur more interest, speaking of which I did not receive any proof how they calculate interest and if payoff amount is correct.. 
Original second loan was $ XXXX, They charged off $ XXXX interest amount already in 2020. 
Now they sent me paperwork saying I owe them $ XXXX. When I called them rep told me they are intend to get as much money as they can from me. Now, they forced me to do foreclosure and do not give me a chance to negotiate with them. 
I really need help with my case. 

Thank you, XXXX
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (GA)

Opened a new set of TD Bank checking and savings account on XX/XX/XXXX. Online banking was blocked a couple days later. Called customer service line and I was told I had to go to a branch to unlock my account. I refused to go to branch due to the current COVID situation and hope they can unlock my account as soon as possible.