davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank has misplaced my payment for an account, inaccurately reported my account as 30-days past due, and despite its own recognition of its error and compelling evidence I have submitted, refuses to correct my credit report, despite several attempts to resolve this issue. I believe this behavior is a violation of the Fair Credit Billing Act, the Fair Credit Reporting Act, and other consumer laws and regulations, and seek immediate remedy from the Company. In the Fair Credit Billing Act, I would point out the following provision in the Federal law : " 164. Prompt crediting of payments Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligor 's account as specified in regulations of the Board I have submitted proof that I mailed payment to TD Bank on XX/XX/2022, which according to the USPS was delivered by XX/XX/2022. I was not credited until XX/XX/2022. This is in no way a prompt posting of my payment, and is therefore not compliant with the Fair Credit Billing Act. The Bank is violating a second law, the Fair Credit Reporting Act, which states : " 623 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. '' The Bank, after my XX/XX/2022 phone call, after previous letters, and certainly after today 's complaint, has had more than reasonable cause to conclude that my payment was not 30-days late, as it reported. Rather, the most likely outcome was that my check, mailed promptly and in good faith on XX/XX/2022, arrived to its processing center well before the due date of XX/XX/2022. Therefore, as per the Fair Credit Reporting Act, the Company has a legal obligation to correct this record with the consumer reporting agencies.
Consumer complaint received 2024-06-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Resurgent Capital Services L.P. (NY)

THIS BANK HAS TRIED TO CONTACT ME VIA TEXT MESSAGE. I DONT KNOW WHAT DEBT COLLECTOR THIS IS.. I HAVENT GOTTEN ANY NOTICE FROM THEM AND YET THEY HAVE MY INFORMATION.
Consumer complaint received 2022-12-30
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: LEXISNEXIS (MN)

XXXX and Lexisnexis could you please tell me how come two different credit reporting agencies are reporting two different court case file numbers on a public record bankruptcy! Lexisnexis on XXXX you certified to me and the CFPB that you had verified that that XXXX was the actually case file number! ( See your letter ) I disputed with XXXX they certified to me on XX/XX/2022 That you had verified that XXXX was the actually court case file. Please explain to me how can one XXXX  XXXX have two different court case file number? 
I have attached a copy of your letter and XXXX  report. Also review in fine print XXXX  lists you as the 3rd party vendor who claim you verified there dispute! I will be awaiting your response. 
Please remove this from your credit file and XXXX credit file due to the fact its no way again one court filing docket number can have two different case file! 
I do not believe that you conducted any investigations Please explain in great details as to how you are verifying two different court docket number for 1 XXXX XXXX
Consumer complaint received 2020-03-27
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)

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 These inquires are not mine, i have never authorized these. I believe i am a victim of identity thief.
Consumer complaint received 2020-03-27
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. (VA)

THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken. This negative and inaccurate information is negatively impacting my credit report.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WSFS FINANCIAL CORPORATION (DE)

I try making a purchase online after speaking to a customer service rep.who directed me to do so, since they do not do phone orders ( The company name is XXXX, ) tel # XXXX.My purchase did not go thru and I was prompted to try again, I tried the purchase a second time when then it was successful ( The items purchased was a package on sale, which is a 330 watts power station and 100 watts solar panel, that cost {$390.00} with insurance of {$12.00}. to total $ XXXX purchase was made on XX/XX/XXXX around XXXX XXXX. 
I receive a text and an email from my bank ( WSFS on the same day around XXXX XXXX I responded to both first the text and the email. The email from my Bank ( XXXX ) states that there were ( 5 ) items purchased between XX/XX/XXXX to XX/XX/XXXX ( 2 ) Two of the items stated was two purchases from XXXX for ( {$400.00} each ) In that email I was asked to click one of the two statements asked, One asked ( All transaction ( s ) Authorized and the other ( One or More Transactions ( s ) NOT Authorized I clicked on - '' One or More Transactions NOT Authorized " I also called the Bank and spoke to a supervisor, who agreed to place a dispute on the one item, I also contacted the Merchant Rockpals that evening around XXXX XXXX Delaware time, I left a message as there was no one to answer, I called back on XX/XX/XXXX and I spoke to CSR who again confirmed that there is only one order, I followed up with the bank on XX/XX/XXXX, XX/XX/XXXX and again today XX/XX/XXXX to learn I was charged again overdrawn fees, ad the bank said they will refund those fees, however I must make a deposit to cover the overdrawn amount, until the dispute is resolve, which can take from ten to thirty days. 
I made a Payment to the IRS after I Transfer the amount need to cover the payment, the bank inform me today, I will be charged if I dont deposit money in the account. I will be filing a complaint against the merchant with the FTC. I have no issues with my Bank, other than not resolving this matter quickly, since they were the one who realize that the transaction, was not authorize, and also with me ( XXXX XXXX, responding the same day via email and telephone calls speaking with two supervisors, ( Supervisor XXXX is the one who is handling this matter )
Consumer complaint received 2020-03-27
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. (CA)

I was applying for a car loan today XX/XX/2020 and I was not approved because to my surprise, there are accounts in negative standing appearing on my credit report. I looked through each accounts and I found a few that are not mine. I listed all of the accounts that are not mine on this report. I did not allow anyone to open those accounts in my name ; I do not have a written/verbal contract with any of those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I never made any purchases or payments towards these accounts. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding these suspicious accounts.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My ex that lived with me 9 years apparently opened a credit card in my name & told them it wasnt mine, they sent a notice to my address to sue me for {$2700.00}.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I sent a letter to Experian asking for proof of certification for the the bankruptcy listed on my file as well as all of the negative items attached to the bankruptcy and they have not done so. I know that under 605 ( b ) of the Fair Credit Reporting Act, an agency must block information within 4 business days.
Consumer complaint received 2020-03-27
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 was applying for a car loan today XX/XX/2020 and I was not approved because to my surprise, there are accounts in negative standing appearing on my credit report. I looked through each accounts and I found a few that are not mine. I listed all of the accounts that are not mine on this report. I did not allow anyone to open those accounts in my name ; I do not have a written/verbal contract with any of those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I never made any purchases or payments towards these accounts. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding these suspicious accounts.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2022-03-24
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2020-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION (CA)

Hello, Please advise me re : Difference in Closing Cost at Loan Estimate and Closing Disclosure ( for Mortgage Refinance 15 year fixed, no cash out ) XX/XX/2020 XXXX XXXX Loan Officer at Winnpointe Corporation, dba Interactive Mortgage had me e-sign a Loan Estimate with closing cost of {$140.00} which is what she promised verbally over the phone. 
My payoff for current mortgage was Loan amount is {$250000.00} Loan estimate specifies that Lender would give me credit of {$1000.00}, thus I only had to come in with {$140.00} and {$490.00} ( both supposedly for prepaid interest ) would be paid from my loan amount. 

XXXX XXXX Notary public came to my house and had me sign Closing Disclosure that said I need to wire {$1200.00} for closing costs but there is no breakdown for said amount and {$420.00} for interest ( XX/XX/2020 to XX/XX/2020 ). I went ahead and signed thinking oh XXXX said whatever extra will be sent back to me. 

XX/XX/2020 I get a call from XXXX  of same company and an email I have to wire {$1900.00} and submit documents that I had already submitted on their portal OR my rate expires at the end of the day. I replied in email asking for a breakdown of the {$1900.00} but did not get an explanation. 

XXXX XXXX I get a message and an email from XXXX XXXX asking me to wire funds and submit documents ( that I had already submitted early in the process of refinancing ).
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

On the 2 following dates XX/XX/2020 and XX/XX/2020 I wrote Equifax and requested that an investigation be made into the inquiry for XXXX. To date, I have not received a reply from them or any acknowledgment that an investigation has begun and/or what were their investigative methods. 

They also Have numerous wrong addresses which I also asked them to remove that still show on the credit report. this is my 3rd letter to them and this is why I am including the CFPB
Consumer complaint received 2024-01-09
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

I receive at least XXXX phone call a day from this number : XXXX location supposedly, XXXX XXXX FL. 
Eventually, after a couple of months they left a voice mail.I had to call XXXX. He identified himself as XXXX XXXX from Radius Global Solutions. 
Finally, today XX/XX/2022, I answered the call. The same gentleman told me I owed {$240.00} dollars on an XXXX XXXX XXXX XXXX that I had cancelled XXXX years ago after I left my position at The XXXX  XXXX XXXX  XXXX department. He gave me the last XXXX digits of the card ( I have no idea what they were- it was. while ago ) and said the debt had been passed on to his company for collection. 
I told him this was nonsense and hung up.
Consumer complaint received 2020-03-14
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)

please remove these unathorized/ fraudulent credit inquires XXXX XXXX-XXXX XX/XX/XXXX XXXX, XXXX XXXX-XXXX   XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (CA)

XXXX of 2023, I applied to live in The XXXX XXXX XXXX  in XXXX Florida. After paying the nonrefundable application fee of {$390.00} I was quickly denied an apartment due to income. Months later I was sent to collection for {$490.00} by XXXX XXXX. I never lived there all did was apply. The collection company Pro Collect never contact about this nor did XXXX. I found out this was my credit report when I checked it on my own. I have been trying dispute this since XXXX and nothing has happen. No one has been in communcation with at all and I would like this fix. 

Pro Collect 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 2023-05-05
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-03-27
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. (CA)

I was applying for a car loan today XX/XX/2020 and I was not approved because to my surprise, there are accounts in negative standing appearing on my credit report. I looked through each accounts and I found a few that are not mine. I listed all of the accounts that are not mine on this report. I did not allow anyone to open those accounts in my name ; I do not have a written/verbal contract with any of those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I never made any purchases or payments towards these accounts. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding these suspicious accounts.
Consumer complaint received 2024-04-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (FL)

My credit report shows that there was some kind of personal loan taken out in my name on XXXX, XXXX XXXX from a lender named XXXX XXXX XXXX for {$3900.00} I have tried to call this place several times to let them know I was a victim of identity theft just the year before ( XXXX ) that this loan was taken out in my name. And that it is not mine! And I have no idea why this is on my credit. But they have sent it to another agency of some sort that I assume is a third party collection agency called XXXX XXXX XXXX. Ive also tried speaking with this third party collection agency and they fail to remove this from my credit.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (KY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still inquiries that need to be deleted. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be removed as soon as possible. 
XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-19
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 — Problem with personal statement of dispute
Company: PNC Bank N.A. (VA)

When the rates lowered last year. I started applying to refinance my home. I spoke with over 20 lenders. Even though my credit score was over 700 and my LTV was 30 %XXXX I was denied over and over again. I spoke to the lenders who pointed out one issue preventing me from being approved. PNC bank had added a comment to all three credit agencies stating " Foreclosure Started ''. I agree that I was late in my payments on several loans due to divorce, however, I made great efforts to avoid foreclosure and bankruptcy. What I learned is those two words " Foreclosure Started '' is treated as the same as an actual foreclosure. I sent a letter to PNC on XX/XX/XXXX asking for this comment to be removed. PNC did not respond. I sent a follow up letter on XX/XX/XXXX. PNC denied my request to remove that comment on XX/XX/XXXX. PNC stated that my home was in foreclosure for 21 days and that they could not remove that comment. I believe this comment was purposely and deliberately put on my credit report to ensure I would suffer seven ( 7 ) years of inability to secure another loan. PNC even admitted that the loan was paid in full including fees. How can I be treated as a consumer who had a foreclosure when no foreclosure ever took place? The loan was satisfied. What reason does PNC have to punish me for 7 years as a borrower? Why is it protocol for every other lender in the U.S. able to deny me credit based upon a comment that doesn't tell the whole truth? I would like the CFPB to assist me in having PNC Bank remove a comment on my credit reports. This simple comment has the same power as an actual foreclosure or bankruptcy by denying me credit for 7 years.
Consumer complaint received 2020-03-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is showing and Inquiry on my credit profile and I didnt apply for any card. XXXX on XX/XX/XXXX and XX/XX/XXXX and XXXX on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.