davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX placed a Collections items of {$410.00} on my Credit Report dropping my Credit Score by 42 points in error. XXXX XXXX has pulled the account from XXXX XXXX XXXX as of XX/XX/XXXX. They didnt billed the correct Insurance company and balance is {$0.00}.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I was reviewing all three of my credit reports a couple of weeks ago and noticed my auto loan with XXXX XXXX was all of the sudden not on any of my reports as it had been since I opened it XX/XX/2019!! I contacted XXXX XXXX and spoke with XXXX XXXX at the corporate office XXXX. She assured me it was a large company wide issue with an update they did which caused the system to somehow lose and not report hundreds or more accounts and that they are in the process of correcting and updating all with the credit bureaus! She sent me the account verification showing information for my account and said I should contact the bureaus to update and add it back on as they are also going to do! The bureaus should have noticed this and let me know they can see it had been reporting regularly for years!! This lowered my credit score too!! I told XXXX XXXX I am not closing my prior complaint until all is corrected! Here is the information I want all three credit reporting agencies to add all back on to my reports and send me a corrected and accurate full report by mail after they do so!!
Consumer complaint received 2021-07-07
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: TD BANK US HOLDING COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I was reviewing all three of my credit reports a couple of weeks ago and noticed my auto loan with XXXX XXXX was all of the sudden not on any of my reports as it had been since I opened it XX/XX/2019!! I contacted XXXX XXXX and spoke with XXXX XXXX at the corporate office XXXX. She assured me it was a large company wide issue with an update they did which caused the system to somehow lose and not report hundreds or more accounts and that they are in the process of correcting and updating all with the credit bureaus! She sent me the account verification showing information for my account and said I should contact the bureaus to update and add it back on as they are also going to do! The bureaus should have noticed this and let me know they can see it had been reporting regularly for years!! This lowered my credit score too!! I told XXXX XXXX I am not closing my prior complaint until all is corrected! Here is the information I want all three credit reporting agencies to add all back on to my reports and send me a corrected and accurate full report by mail after they do so!!
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

IC System Inc. has violated my right to privacy by communicating this alleged debt with consumer reporting agency XXXX ( Pursuant to 15 USC 1692c ( b ) ). IC System Inc having reported this alleged debt to XXXX has caused harm to my reputation and is defamation of character. ( Pursuant to 15 USC 1692d ( 1 ) ) This company sent sent an Affidavit of Truth, Cease & Desist with specified remedy, and an invoice on XX/XX/2021 and sent vis certified mail with return receipt.
Consumer complaint received 2021-07-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

Rocket mortgage has mismanaged my escrow account and caused my taxes to become delinquent by shoddy management of paperwork ( incorrect parcel listed, triple taxes applied to escrow and zero resolution in an appropriate time. ). I no longer trust their management of my asset and believe their intent is Malicious. They have undervalued my property by XXXX and I believe it is their intent to cause financial harm. They are not a steward of the FHA program. As XXXX with Rocket mortgage has provided no resolution I pray you will assist as well as protect others going through a similar experience. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX such authority.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXX. Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KP ASSET CONSULTING LLC (OH)

I ( and many people Ive known throughout my life ) got a call from a XXXX XXXX saying I had a pending claim that once filed will be public record and they will come to my home and workplace. They said I had the right to contact the filing party, at the provided number XXXX and I did. 

I asked them to mail me documents on the claim to the address they had on file and they said if I didnt sign for it it would be a refusal to cooperate. 

I asked them to stop calling other people and my place of employment and she refused stating they would continue to call everyday.
Consumer complaint received 2020-06-19
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. (VA)

Collections XXXX XXXX XXXX {$3200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3200.00} High Balance {$2900.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX {$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$250.00} High Balance {$250.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$120.00} Remarks Paid collection XXXX XXXX   XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3200.00} High Balance {$2900.00} Remarks -- XXXX XXXX XXXX XXXX 
{$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$250.00} High Balance {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1000.00} High Balance {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
{$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$120.00} Remarks -- all filed to ftc
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently sent a letter to capital one and disputed this amongst other things with cfpb a month ago and i believe they forgot to remove this wrongly reported late on XX/XX/2022 on my XXXX account which was stated in the letter they received from me and cfpb has on file.
Consumer complaint received 2020-09-28
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: DISCOVER BANK (VA)

I purchased some XXXX XXXX XXXX  from XXXX XXXX ID : XXXX in XXXX the item came with a missing part and the product would fall out of my ear. I returned the item back to XXXX on XX/XX/20 as instructed with their return label and XXXX tracking # XXXX. XXXX received the package on XX/XX/20 and never issued a refund. After numerous attempts in contacting XXXX I was getting the run around and never received a refund. I started a dispute with my credit card company Discover in XXXX. In mid XXXX I was informed by discover  the tracking receipt I provided was not sufficient prior to that I was not notified that they needed additional information. I then reached out to Discover dispute customer service department were I was asked to provide a XXXX confirmation document, I did that, then I was asked that I needed to get XXXX on the phone line, I did that., at that time someone from XXXX XXXX on a recorded line from Discover and spoke with the agent and confirmed that XXXX XXXX the package and they did not understand why a credit was not issued. Discover credit card agent stated he had enough information to re open the case and if I have not received a credit in 3 days that Discover will issue a final credit and close the case. It has been several weeks the credit was not issued from XXXX and Discover is now asking for me to upload the document stating that XXXX would issue a credit, I uploaded the email to get Discover agent to say it was not enough. I am out {$240.00} no money no merchandise and a credit card company that is proving terrible customer service. I have had to do all the work for Discover so I can continue to get the run around from both companies. This is terrible customer service from Discover and a failure to protect the consumer from XXXX and their inability to refund clients. Discover has continuously provided misleading expectations and purposely has failed to protect my rights.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (IL)

After making several calls to Equifax explaining that my identity has been stolen I have been instructed to send them the identity theft report to have this information permanently deleted from my credit but they keep saying they are not getting the identity theft report but I have sent several times without these items being deleted.
Consumer complaint received 2024-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX has reported to the credit reporting agencies that I wade a 30 day late payment in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT! I pay monthly via their automated system, I prompt the automated system to pay the past due amount, so whatever amount THEIR system tells me to pay, I pay ON TIME EVERY MONTH. This may be a error on their system, I am not sure, but I do know MY payments are submitted on time, before the 30 day late period. I have wrote Transunion, XXXX, and XXXX multiple times to resolve this issue, and the late payments are still reporting. I am a real estate investor and this is hindering my ability to secure loans needed. I need these late payments UPDATED immediately, due to the fact I pay ON TIME every month.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I recently removed my credit report and noticed an account that was reporting inaccurately. On my XXXXXXXX XXXX XXXX account XXXX, I have 1, 30 day late payment on this account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. The date in question is XX/XX/year> I am now requesting you investigate this account and update the payment to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

There are many accounts reporting that does not belong to me. There are also inaccurate personal information that is reporting : Incorrect Name : XXXX ( XXXX  XXXX Incorrect Name : XXXX XXXX XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Address : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX ( Equifax ) The following accounts were a result of identity theft : XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX  & Equifax ) Bal : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$100.00} ( XXXX  XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$620.00} ( Equifax XXXX XXXX XXXX XXXX XXXX XXXX is no longer in dispute. Please remove dispute status I did not not authorized the following inquiries on my credit file : XXXX  ( 2 TIMES ) XXXX XXXX XXXX   XXXX XXXX 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES XXXX XXXX XXXX XXXX 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (WV)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX  about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX  account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late On XXXX ( Inaccurate 1 late payment reported ) in XXXX  - XXXX  60 days late On Experian ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I am writing to file a complaint against HSBC regarding the handling of my HSBC XXXX XXXX account. I recently made the decision to cancel my HSBC XXXX XXXX account as I no longer required its services. However, prior to the cancellation being finalized, I inadvertently made a payment to the account. Subsequently, I find myself in a situation where I am unable to settle the remaining balance as I do not have a checking account in the United States. 

The payment in question, totaling {$48.00}, was made on XX/XX/XXXX at a restaurant. Despite my efforts to rectify the situation and settle the outstanding balance, HSBC has failed to provide any viable solutions. I have attempted to reach out to both HSBC Premier customer service and the collection service, only to be met with the response that without a US-based checking account, I am unable to settle my card. 

This lack of alternative solutions has resulted in HSBC imposing late fees and accruing interest on the remaining balance. It is extremely frustrating to be penalized for a situation that could easily be resolved if HSBC provided reasonable options for payment.

I am seeking assistance from the Consumer Financial Protection Bureau to intervene in this matter and facilitate a resolution. I urge HSBC to reconsider its stance and provide alternative methods for settling the outstanding balance on my HSBC XXXX XXXX account.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2023 I opened a checking account with TD Bank. On XX/XX/2023, I deposited a cashiers check for {$4000.00} with the branch teller. To which, I was given a receipt, stating {$100.00} available balance in account. I spent approximately. {$46.00} after leaving the bank... now the account reads XXXX and a 6 day business hold on the cashier 's check. 

TD Bank claims the hold is due to the checking account being a new account. However, a 6day business hold for a cashier 's check is execcessive. Additionally I was given a false record of what the available balance was after depositing the check..I find that it was unfair and deceptive. 

.
Consumer complaint received 2020-06-19
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 (NJ)

On XX/XX/2020, my payment was received late. I explained to the credit bureau and Navy federal that my payment was late due to an error. Navy Federal didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.