davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MN)

My Target Red Card statement ( through TD Bank ) became available on XX/XX/2019. I paid my bill in full on Thursday, XX/XX/2019 in the amount of {$620.00}. 

On Friday, XX/XX/2019 the funds were pulled from my checking account. 

On Saturday, XX/XX/XXXX, I attempt to use my Red Card to make a purchase and my card was declined. That is when I discovered that my available credit had not changed, even though I had paid my bill approximately 8 days before. 

On Wednesday, XX/XX/XXXX, I log into my Red Card, and see that my available credit still has not changed. 

I call the 1-800 number, and the first person I talk to claims that the reason my payment has not been applied is because the money has not been withdrawn from my checking account, that it is still pending. I tell him that is not the case, the money had already been withdrawn. He then says its because theyre waiting for confirmation from my bank to make sure my payment isnt fraudulent. I have made numerous payments on my card, all from my same checking account, and there has been no issue. I asked to speak with a manager at that point since the story kept changing. 

When speaking with a manager, he told me that the information I was told originally was incorrect, and that it can just take several weeks to process a payment. I ask why it takes that long, the money has been out of my account for 12 days at this point, and I am unable to use my Red Card until my payment goes through because I have no available credit. The whole purpose of getting the Red Card is to save 5 % on my purchases, so at this point it is not doing me any good. 

He offers to keep me on the line while we call my bank so that they can confirm the payment has cleared my account and he can adjust my credit. I tell him I am uncomfortable with that, because if we do that I need to confirm lots of information, including a security code that only my bank has. He says that is my only option, otherwise I just need to keep waiting. 

I asked several times where the money is while its in limbo and he said he has no idea.
Consumer complaint received 2019-12-04
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: LEXISNEXIS (NV)

I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  XXXX or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law. This Bankruptcy does not belong to me please delete
Consumer complaint received 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

I have repeatedly applied for HARP with PHH without receiving a response to the reason that I was denied. I received an approval on a loan modification XX/XX/XXXX, paid six months of payments at {$2100.00} per month with a denial coming in XX/XX/XXXX. PHH logged these payments to my account for all six months in the amount of {$2100.00} per month a difference of {$32.00} for each month on XX/XX/XXXX. I had a temporary loan modification for XX/XX/XXXX to XX/XX/XXXX in the amount of {$2100.00} for each month and a Disaster Forbearance for XX/XX/XXXX to XX/XX/XXXX at the amount of {$1000.00} for each month. My Mortgage went up from {$400000.00} to {$410000.00} instead of down the amount that I have paid from XX/XX/XXXX. PHH took one payment of {$1800.00} on XX/XX/XXXX and one payment of {$1700.00} on XXXX XXXX for property taxes that XXXX County Treasurer have never received and are charging me for this. I have paid my property taxes in full XX/XX/XXXX. I am being told that by PHH is putting my loan on a variable loan program with a cap of 4.75 % not the 3.375 % that I was approved for in XXXX and have been paying all along but can not supply any paperwork for this agreement. Because of all of this holding of payments PHH shows on my credit report that I am 90 days past due. I am being told by PHH that XXXX owns my loan. That I must take a new Trial Period Loan at {$2300.00} XXXX {$250.00} more per month XXXX with a variable loan that caps at 4.75 % instead of the 3.375 % that I have now.
Consumer complaint received 2019-12-05
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)

My personal information including social security number, address, and other personal information has been exposed in multiple data breaches and has resulted in identity fraud. Someone has gotten a hold of my informationand is using it to fraudulently open accounts in my name. I just got a copy of my credit report and examined numerous fraudulent account on my report. These events have devastated my life.
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX  XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$22000.00}
Consumer complaint received 2023-02-04
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TX)

Security Credit Services has a " collection '' on my credit report for the amount of {$1200.00}, from a retailer called " XXXX  ''. This account, created in XX/XX/XXXX, was opened without consent or permission by an ex-girlfriend. I noticed the debt at the end of XXXX, beginning of XXXX. We had since ended the relationship, as she was suffering complications as a result of her addiction. I attempted to resolve it with her, but she never fulfilled our agreement, paying me {$0.00} total. I never pursued criminal charges, due to her family being close friends with mine, and to settle it civilly would mean I would have to travel to XXXX, costing more than the alleged debt. 
I've attempted to reach out to Security Credit Services on several occasions, as I am willing to take on the debt to clear it from my report, because it has affected employment opportunities, causing me lost opportunities and income. It also affects my buying power for a house. I am about to have my XXXX XXXX, and this will affect her in the long run. 
I have contacted XXXX XXXX XXXX XXXX and left messages requesting something in writing, or an option on how to pay, yet I have never received one piece of mail/invoice from them. I contacted them nearly every month in XXXX, and XXXX of this year. I have not attempted contact since XXXX, as I moved from XXXX to XXXX.
Consumer complaint received 2019-12-10
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: Experian Information Solutions Inc. (CA)

On XX/XX/19 I paid my current credit monitoring account the fee of {$29.00} to review my credit reports with XXXX, Experian and XXXX XXXX. I discovered there were  multiple unauthorized hard inquiries on my credit and I contacted each creditor via phone which took 4 hours of my time from work and nothing happened. I filed a dispute to each credit bureau on XX/XX/19 and sent each letter via certified mail with tracking numbers to monitor this process. On XX/XX/19 I refreshed my credit reports and further discovered that there are no changes nor any updates on the methods used by each credit bureau. Furthermore, there is an invalid late payment on one of my accounts that has always had perfect payment history and I submitted documentation to the credit bureaus as well to expedite this request since I am making sure my credit is in good order to purchase property. This is a blunt violation of my rights as a consumer and is costing me tremendous stress and hardship on my health because of this violation. I am reaching out to the consumer finance protection bureau for help since it has been more than 30 days since each credit bureau received my dispute packages.
Consumer complaint received 2021-08-30
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. (NJ)

I have filed a dispute on several occasions for this creditor XXXX XXXX XXXX XXXX listed on my credit report. On XX/XX/21 I called XXXX XXXX XXXX  asking about information on this account. The creditor told me that they do not have this account and this account has been sold to XXXX XXXX XXXX. I called XXXX XXXX XXXX on wanting to find out information about the account that XXXX XXXX XXXX  said they do not have and XXXX XXXX XXXX who is a junk debt buyer gave me a reference number if XXXX. I then proceed to go to their website with this information and I get a message that they do not have this account ( please refer to attached document ) because it has been sent to another junk debt buyer called XXXX XXXX. I called XXXX XXXX back and ask them why did they tell me they have this supposed debt from XXXX XXXX Bank when now Convergent Outsourcing has that whatever debt. I then called XXXX XXXX with my issue and this company gave me an account number of XXXX. I log this number into their website to see if there is an account and I get a message of no information found. ( see attached document. ) I want to know how is this credit bureau listing an account that does not belong to me and that you keep verifying that it is mine when XXXX  XXXX XXXX  says they do not have the account. What are you verifying this information from? Why are you allowed to post information on my credit report that is WRONG? For the final time I am asking you please to get physical information from XXXX XXXX XXXX  that shows this account belongs to me because they are telling me they dont have the account and a junk debt buyer has it. You are allowing XXXX XXXX XXXX  to continuously report this account every month to you when I do not owe them anything. Since this is my very last time asking for the removal of this account from my credit report, if this matter is not resolved within 15 days I am filing a lawsuit in small claims court for violations of the FCRA. I take my credit seriously. Please delete this erroneous information from my credit report for the last time.
Consumer complaint received 2022-09-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc. (FL)

XXXX Online Set up of {$2500.00} CD account seemed to complete normally. However, I received an email saying that the bank did not approve my new CD opening. I believe the bank may be trying to renege on the advertised rate by disallowing the new account. I asked for an explanation for the denial and was not answered. For the record I have many other CDs in several other banks all across the country. My credit score is over XXXX.
Consumer complaint received 2020-02-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I have a CD with One West Bank in the amount of {$310000.00} that matured on XXXX. One West Bank did not inform me that the CD was maturing although they have my email address and my mailing address. They told me at the time I opened the account that they will inform me when it matures and I will have a 7 days grace period to either renew or close the account. I received a letter dated XX/XX/2020 on XX/XX/2020 informing me that my CD was renewed on XX/XX/2020 at .846 %   annual rate. I called the bank and told them that I was only informed that they renewed my CD after the grace period had expired. They refuse to either let me close the account or renew at the market interest rate. They insisted that I would have to pay the penalty if I close the account or even if I renew at the market rate of interest. I feel I am being taken advantage of by a big bank.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (UT)

As of XXXX I made a request to have a security freeze on my profile and I have not received a PIN as requested. I want to have my profile to have a security freeze. I do not consent to have my profile open to the public. This is a stall tactic not to comply with my request.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2023-11-29
Product: Credit reporting 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. (FL)

On XX/XX/2023 I was checking my credit and was making sure I everything was paid on time and was still on the right track. I actually noticed that its some unauthorized hard inquiries that I didnt apply for that are there. Ive sent a letter to all XXXX bureaus and told them that these inquiries are unauthorized, they still havent removed them. I dont know what going on or if the bureaus are working or its technical difficulties. But I would like to get a fair resolution to this issue by deleting these hard inquiries.
Consumer complaint received 2021-08-30
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. (CA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2018-12-04
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. (TN)

I Sent Certified Letters To The Company To Properly Verify And Validate The Accuracy Of The Account That's Showing On My Credit Report ... I Never Received Any Proof Of The Account As Being Accurate ... They Sent Email Or Letter Saying That The Account Was Verified But Not Once Send Me Proof That I Requested ...
Consumer complaint received 2021-08-30
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. (LA)

Last XXXX XXXX I've sent a letter about those accounts were used without my permission. but It's almost 2 months now don't have any response yet. I was so stressed, I got a low credit score. I need Help to resolve this issue. I already contacted credit bureaus and furnishers.
Consumer complaint received 2023-02-04
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. (TN)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Eagle Financial Services, Inc. (KY)

I took out a title loan with Eagle Financial in XXXX and I was supposed to be done paying it back XXXX XXXX well I fell on hard times, lost my job and got behind but I did good because I didn't fall behind until my last months of payments. However, I only had 3 payments left but the company is reporting that I owe more and that is not accurate and at this point I need my title back and an accurate credit reporting. I have disputed this with the credit bureaus 3 times now as of the last 3 months and Eagle just responds verified which does not show proof of anything. Now I am reaching out to you to see where this can go before taking other action.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McCalla Raymer Leibert Pierce, LLC (MO)

I was contacted by someone who knew everything about me. Name address social security number and phone. They frightened me, saying I would be served papers on a collection account ... and be subject to wage garnishment, tax interception, property liens. There is no such thing on my credit report. They sent me a contract to pay via e-mail. It has no physical address. It is very fishy. I'm scared because they know all my vital stats and feel it is probably data from a breach being used to trick me into paying money on a collection issue which has been long since resolved. I can forward you that document to look at. I at least would like professional second set of eyes on it. 

Thank You
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered an account on my credit report today XX/XX/19 because I was denied from opening up a credit card because of this account on my credit report that is not mine reporting in negative standing. I never opened this account nor did I ever allow anyone to open this account in my name with my information. I did not gain anything from this account such as money, goods, services or any other benefit nor do I have any written/verbal contract with this company. I have already filed a police report regarding this matter.
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I took out {$49000.00} dollars in loans ( direct subsidized and unsubsidized ). I have fought with Navient to allocate my payments to ONLY the unsibsidized loans so I dont gain interest while I am in school and they keep applying evenly. This has led me to gain over 10,000 in interest plus all the money I paid to try to keep my loans at how much i took them out at.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

We were scheduled to reach 78 % LTV on our mortgage in XX/XX/2019, so our PMI should be removed by the company. I called them in XXXX to see what we needed to do and was told that it would automatically take place in a couple of months, but that I should call back and keep on top of it because sometimes they " forget '' to remove it. 

So I called back 2 months later and was told that our Escrow would have to be recalculated to remove it and that it would be done in the next few months and we would be receiving a statement int he mail. 

On XX/XX/XXXX I received our new Escrow statement and the PMI has not been removed. Not only have we been charged {$260.00} in PMI payments that we shouldn't have, we are scheduled to continue paying them through next year. 

I have tried to reach out via phone several times and can never get anyone on the phone - I just sit on hold for over an hour. I have also tried to reach out via email through their website, but I am not getting any answers on when this will be resolved. I spoke with someone today and she can't figure out why it hasn't been removed or how to help me. 

I don't want to have to get a lawyer involved and I'm trying to get this resolved without having to take legal action. Any help from anyone on how to resolve this is appreciated.