davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-02
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. (CO)

This is a 2nd complaint against Equifax. I had an incorrect collection with XXXX XXXX on my report that cost me 35 points. I disputed this several times with Equifax, as it was not my debt, and paid to the original provider NOT XXXX XXXX. When XXXX and XXXX   received my dispute, they immediately removed it from my reports and gave me back my points. Equifax has not. When I disputed this through you, they generated a generic response through you to me. Their response does not satisfy me and although this item was IN FACT REMOVED, I received 1-2 points back, not the complete 35 they took away. Something needs to be done as this is definitely not FAIR REPORTING.
Consumer complaint received 2023-06-28
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. (NY)

XXXX XXXX XXXX-remove line per FTC, XXXX & XXXX XXXX XXXX XXXX? XXXX XXXX XXXX XXXX? XXXX XXXX XXXX taken out fraudulently-still paid in full-zero balance, never late, never charged-off or sent to collections Delete " Dergoatory '' status under Account Details & in collections/charge off from account status-there is no collection or charge off account-line does not even exist on on other reports... 

Delete-comment " Payment after charge off/collection Purchased by another lender ''
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (MD)

Convergent Outsourcing Inc. Sent a letter addressed to me saying that I owe a debt that isn't mine and that if I don't pay it, they will add unauthorized information to my credit report which is a violation of the FCRA 15 USC 1681i as well as other laws. Please delete this debt as I do not owe it and you are not authorized to put any negative information on my credit report. I was lied to and misled at some point. I am here by exercising my rights under the FCRA. ACCT # XXXX should be deleted immediately. Validate the debt. Send copies of any contracts with my signature as I am the original creditor in all consumer credit transactions. There are also letters to XXXX, XXXX and XXXX attached.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

Equifax has a Charged of Account appered as New. It is over 5 years old. First I signed to Equifax for the first time but I was  denied to access and to see my Credit Report. The Screen came back to call 800 #. I called Equifax told them the issue that I would like to dispute. The Equifax person want to Verify me, I gave him Full name, DOB, SS, Address and he told me he can only help me that I have to send Equifax with Photo ID like driver license or passports. Why do I have to furnish all this, after I gave the Important Info. 
I am XXXX  XXXX  for STATE of XXXX- XXXX ( XXXX ) I know my job how to Verify Someone. 
Now, I believe my information was compromised when Equifax had DATA HACKED. Probably I May be one of them, I have never was notified me that my personal info was COMPROMISED. 

1. I want Equifax to remove those collection Account from XXXX XXXX. 
2. I would like Equifax to FREEZE selling my name or to be used promtional. 
3. I want a letter from Equifax that my personal DATA Status.
Consumer complaint received 2022-10-05
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. (TX)

It has been drawn out into the open that you 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 accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX & XXXX XXXX XXXX XXXX : {$4600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Date of Inquiry : XXXX ; XXXX Mortgage Ser Date of Inquiry : XXXX
Consumer complaint received 2020-01-02
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. (UT)

I disputed an account that is reporting on my credit in error. This account is negatively affecting my credit and I can not get it removed from my credit reports due to the credit bureaus not conducting a thorough investigation. On XX/XX/19 I mailed a dispute letter for this account that is reporting as a chargeoff/collection and in the comments it states it was sold to a third party collector. I do not know who this third party collector is they are stating now owns the account nor is it even reporting on my credit. In the first dispute letter I asked all three of the credit bureaus to investigate this account and verify it. They keep coming back saying it is verified and updated. I did not ask them to update anything. I asked them to verify it and if they can not properly verify it then to delete from my report. Then I sent another letter on XX/XX/19 on to ask them to re-investigate and send me the information they used to verify the account from the creditor which I received the same result. They did not tell me how they were able to verify the account when the creditor no longer owns the account and they clearly did not conduct a through investigation. I sent a third letter to them on XX/XX/19 telling them they are violating the law by falsely validating this account and not removing it from my credit report. They sent a response back saying they updated more information on this account which is completely inaccurate. I never opened this account and they were not able to send me an original contract with my signature. This one account is causing me to be denied for my business funding and I am beside myself that they can even do this to me and ruin my credit this way. XXXX, XXXX and TransUnion are not doing their job and this is very upsetting as a consumer.
Consumer complaint received 2020-01-02
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. (FL)

THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.
Consumer complaint received 2020-01-02
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 (DE)

On XX/XX/19 I was charged {$52.00} from XXXX ( XXXX XXXX XXXX ). This charge was fora RENEWAL of XXXX XXXX which I cancelled with them last year in XXXX. When I contacted XXXX directly they said they can't even find my transaction so my next step was to contact Discover. - I have attached the email exchange between XXXX and myself. 

I used their Chat feature on their app and it was clear they were not even attempt to understand the issue. I kept explaining that the XXXX company could not even find the charge so I ws not sure how I can work it out with them when on their end they don't see the charge.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a business and one of my staff resigned, he had a credit balance, when a check was sent to me, it was in his name, XXXX XXXX, I wrote to Bank of America and asked that a check be made out to me, they ignored my request
Consumer complaint received 2023-01-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have a basic checking account with Huntington National Bank ( HNB ). In 2022 I was solicited for a new product offered by HNB linked to my checking account. It was advertised as a " Stand By Cash '' account where I could initiate a type of loan and have borrowed funds transferred directly into my checking account. I was initially granted a credit limit of {$300.00}. The terms of this type of loan are that the money is interest free as long as it is paid in full at the end of 3 months. The customer also has to make 3 monthly payments of equal amounts. I thought this was a good product so I borrowed {$150.00} in the beginning and repaid it in full as agreed. I also signed up for automatic payments from my checking account. Within 3 months HNB notified me that my credit limit had been increased to {$600.00}. Again, I initiated a loan to myself from this " Stand By Cash '' account in the amount of {$500.00} and signed up for automatic payments. One month after initiating the loan HNB lowered my credit limit to {$200.00} which made me appear over my credit limit. I contacted HNB about my concern and they confirmed that this type of loan product is reported to the credit bureaus. I, again, repaid the loan within 3 months per the agreement. One month following getting that loan repaid HNB increased my credit limit to {$750.00}. THEN... 2 months later, HNB decreased my credit limit to {$100.00}. I didn't even have any outstanding loan balance at that time. My concern is that within 1 year 's time HNB has arbitrarily increased and decreased my credit limits 4 different times for no reason. One time making me appear to be over my credit limit. Plus, they are reporting these different credit limit adjustments to the various credit bureaus thereby negatively impacting my credit score. I have never had a credit lending institution decrease my credit limit and on the contrary, I've only ever had my credit limits increased. I reached out to HNB one month ago ( the XXXX, MI branch ) to voice my dissatisfaction and concern and the customer service representative basically said that's how the product works. I did also receive a call from the District Manager but again, he only listened with no resolution.
Consumer complaint received 2019-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Best despite my best efforts in submitting a copy of the FTC complaint for ID theft having to do with multiple accounts I am on able to submit to the three credit reporting companies for some unexplained reason
Consumer complaint received 2023-01-13
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. (TX)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Macys APP failed to process a scheduled payment. I need proof of the results of the investigation that they claim they did. I need names and dates. I have never been 30 days late and I am not sure why macys is playing games with this. I already spoke with their IT department and was told that the app does fail sometimes. I also was not contacted to inform me that the payment had not processed. So there are many issues here, but I need the proof and results of the investigation with names dates and times, so I can prepare to move forward to the next level. 

Macys reported a late pay without notification in the middle of a national pandemic. My husband is a XXXX XXXX  and I had XXXX, so while we are XXXX  XXXX, macys is reporting inaccurate late pays in an effort to ruin a persons credit. 

I am fighting this to the end because the payment was scheduled to process and macys failed on may levels. PLEASE PROVIDE PROOF OF INVESTIGATION! 

MACY s is in violation of my rights! what they are doing is terrible!
Consumer complaint received 2019-02-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (TX)

I paid XXXX on XX/XX/2019 my loan modification person XXXX XXXX will not answer or schedule a time with me the payment was made thru XXXX XXXX ive faxed them proof i did it to where it went directly to them. They leave me on hold and tell me it will take five days my demand letter expires on XX/XX/2019. Mr XXXX told me friday to make two payments to get back to 90 days ive paid almos 3 payments on the XXXX ill make the payment for the XXXXdollars which puts me at two months behind along with the fact that XXXX will also be paid on XXXX. XXXX that leaves me owing XX/XX/2019 2019
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

Car Hop Loan. I had to return the vehicle I was making payments on because it was a lemon. It was in the shop with repairs 2 out of the 3 months I had it. So i returned it and was paid up on my payments. I was not offered another vehicle or any compensation for not having any transportation. I was not told I owed anything. I did not recieve any further communications from them at all. Now I am seeing a public record of a settlement on my credit report.
Consumer complaint received 2020-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (FL)

I am requesting assistance with collections for what I believe is a case of identity theft. 

I have contacted Cedar Business Services and they refuse to mail me the documents that make them believe that I am responsible for this debt. I have an Exceptional payment history with XXXX XXXX. Cedar Business Services reported these debts to credit reporting agencies. 

I wrote to Cedar Business Services on XXXX XX/XX/2019 : " I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/2019 and identified the debt as XXXX XXXX Creditor. I do not have any responsibility for the debt you're trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. ''
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (TX)

I closed on a mortgage with CMG Financial on XX/XX/19. My first payment due was in XXXX. I have reached out to the loan officer who has provided no direction on how to pay this, so I reached out to the company CMG who routed me to their call center. I have spent an hour on the phone this morning getting the run around and continually being transferred and put on hold. XXXX ( employee id # XXXX XXXX gave me three options to pay ( {$2.00} to pay with " IVR '', {$9.00} to pay with him, or i could go to www.loanadministration.com to pay for free. After I went to www.loanadministration.com, I put  my loan number in and my full social security number in multiple times only to get the error " loan number not found '' i explained this to XXXX who put me on hold for another 15 minutes and came back and said the correct website was cmgmortgage.loanadministration.com. So based on the information I was given by XXXX, I put my full social into the wrong website multiple times, so now social security number is compromised. Once I finally got the correct information from XXXX I was able to painfully create an account where I was forced to accept automated calls on my cell phone just to create the online account. I then logged into my account and there is literally no option to pay for my mortgage. I tried to " live chat '' with someone from the website and even after filling out every single field I receive and error. How is this ethical or legal business behavior? It is not reasonable for a consumer to pay {$9.00} to pay their home loan when the website does not even work properly.
Consumer complaint received 2021-06-03
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: Experian Information Solutions Inc. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX FL XXXX Attn Billing Inquire Account No : XXXXXXXX TD Bank USA. N.A., c/o Target Card Services XXXX XXXX XXXX XXXX MN XXXX Statement XX/XX/2022 and unpaid previous Balance of XXXX and XXXX late fee. 
I really forgot to paid so I called Target customer service and agree to pay over the phone and they will credit the account the XXXX dollars Late fee and that would have been the end of it. 
My account was not credited and the account remain with a balance that I did not paid waiting for a credit instead the company ( Target ) issue yet another Late fee on XX/XX/2022 Statement for XXXX plus the XXXX late fee from prior statement not credited leaving a balance on XXXX on late fee ( not consumption of any good or service ). 
XX/XX/2022, I sent the first letter requesting a correction since all this commence with their mistake and not given the credit, they promise on XXXX. XXXX XXXX get a letter with a credit of XXXX dollar showing a balance of XXXX dollars. XXXX XXXX another letter XXXX. 
XX/XX/2022 statements showing credit I never saw and more fees and a XXXX balance XX/XX/2022 a letter that my claim was been review. 
XX/XX/2022 Statement with a balance of XXXX dollars XX/XX/2022 Statement also balance XXXX dollars XX/XX/2022, I sent second letter And the final response from the company was a letter from Target dated XX/XX/2022 in which they inform me that they disagree and that all the charges XXXX plus XXXX + XXXX + XXXX + XXXX + XXXX as well as all applicable fees will remain Last but not least just receive XXXX statement XXXX XXXX with yet another late fee of XXXX + XXXX interest for a total of XXXX Dollars. 
The card was sent back and cancel and no use and no charges has been made since XX/XX/2022. 
In hope that this a better outcome Thank you XXXX
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : 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