davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (TX)

I received paper bill statements through the mail from TD Bank/Target and was changed to " electronic bills '' without my expressed consent or knowledge. I was in FL over a month with my XXXX ( XXXX XXXX  ) grandmother in XXXX 2018, my partner informed me of all received bills. Target wasn't one, so I was unaware there of a ~ {$40.00} balance and late fees along with locking the card because it was 2 days late. I called, was told the balance and paid immediately. The rep removed the late charge and told me it shouldn't be an issue after the explanation and since I had the card almost a decade with no issues. I received a notice stating I was reported to all 4 credit bureaus. I called and was told to write, which I did on XXXX XXXX, 2018. I received a response on XXXX XXXX, 2018 stating they investigated and are correct. I called on XX/XX/2018 and spoke with a supervisor at TD Bank and requested when the paperless billing was approved by me but he couldn't find a date. He stated there is nothing he can do. My credit score dropped from the XXXX by XXXX points due to TD Bank doing this.
Consumer complaint received 2019-06-10
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: JPMORGAN CHASE & CO. (MA)

There are a few inquiries that were placed on my credit report on Different dates by CHASE BANK from JPMCB CARD that has an inquiry date of XX/XX/XXXX and JPMCB CARD that has an inquiry date of XX/XX/XXXX and another inquiry from JPMCB CARD that has an inquiry date of XX/XX/XXXX, I sent the credit bureau ( XXXX  ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if CHASE BANK claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for every single one of these inquiries, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that CHASE BANK verified or validated these inquiries when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, these applications was submitted fraudulently.
Consumer complaint received 2022-02-17
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. (FL)

The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to TRANSUNION Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking for help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}
Consumer complaint received 2019-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX Transunion, and XXXX  are continuing to report an outdated debt with XXXX XXXX/XXXX XXXXXXXX. A consumer reporting agency may not report outdated negative information. This debt is from 2005, which is well beyond the 7 year mark.
Consumer complaint received 2020-01-29
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: EQUIFAX, INC. (TX)

Equifax Sent a Confirmation # XXXX on XX/XX/2020 stating that the letter I sent them was not going to be used to remove the inquiries from my report. I had already stated to them that I noticed these unauthorized inquires on my report. They sent a computerized statement back saying that they were verified as factual. I advised them that I was protected under the Texas Business and Commerce Code 20.06 of Title 2 Chapter 20. I am also protected by Federal Law due to the inquires being reported inaccurately and the fact that I had to send out XXXX  letters and get the same response from the company is not going to work for me. I will be seeking legal counsel for the XXXX  round and I already have all evidence required for a County Court. So they need to obey the law or I'll being seeing them in court very soon.
Consumer complaint received 2023-03-27
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: Bread Financial Holdings, Inc. (AL)

Actions taken : I have reached out to the companies and advised them the credit charged is not my debt. 

Comenitybank/XXXX  - not my debt. ( fraud ) XXXX - not my debt ( fraud ) XXXX  XXXX - not my debt ( fraud ) XXXX XXXX - good standing account, closed, never late XX/XX/2019 & XX/XX/2019, XXXX XXXX XXXX - not authorized to transact.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (GA)

Conduent, formerly ACS, was a servicer on one of my student loans. When I consolidated my loans with the Dept. of Education, ACS was paid in full. However, they reported that they were not paid and were attempting to collect the debt through collection attempts. When I contacted the Dept. of Education, they informed me that ACS was paid in full and should not have attempted to collect the debt and needed to correct my credit reports. Then I contacted the Ombudsman Dept. who also stated that the loan was paid in full in XXXX of 2014. Although the Dept. of Education showed that the loan was paid in full, ACS refuses to correct my credit report ( late payments, delinquencies ) and it is impacting my credit. I have attempted to resolve this issue with them on multiple occasions without any success. Even though the Dept. of Education and the Ombudsman Dept. informed them that they were paid in full, they still refuse to remove the credit inaccuracies. I need assistance with this matter as I am attempting to purchase a home and it is impacting the lender 's decision. Thank you.
Consumer complaint received 2023-03-26
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. (IA)

In accordance with the Fair Credit Reporting act. the three credit bureaus below has violated my rights. 

Equifax XXXX XXXX This is how my information should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XX/XX/1982 Social Security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX
Consumer complaint received 2023-07-06
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. (NC)

Experian has told me that my dispute was complete and the late payments for XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 was removed from my credit report after completion of a dispute. My credit report had not been updated & I called back and they verified that it was still showing after I was told it was not. They told me someone would all me back within 24 hours and it has been over a week since then. There is a lack of proper communication, no one is able to help, and the customer service has been aweful!
Consumer complaint received 2019-04-26
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: EQUIFAX, INC. (TX)

I saw my credit reports after being denied credit several times. There are many inaccuracies on my credit file. Account that are not mine, many incorrect names, socials etc. 
I have been disputing these errors with Equifax and XXXX XXXX and have gotten no response nor results. It has been over 90 days and they continue to ignore me. 
My character has been defamed at the errors in reporting on my credit files. 
Please Help Me
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (CA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$390.00}.
Consumer complaint received 2019-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (PA)

I have an adjustable rate home equity loan that originated with XXXX XXXX, was taken over by XXXX XXXX, then taken over by KeyBank. Roughly a 14 year old loan.

My loan terms include the option to convert to FIXED RATE at any time.

I went in to three local branches multiple times, and called the loan servicing department NUMEROUS times, over the course of at least 2-1/2 years, to inquire about using my fixed rate conversion option. Each time, I was referred out to a Loan officer for a refinance. I know where I went, who I spoke to, and short of recording phone calls and videotaping visits, I was declined each time and have no documentation. 
As recently as XXXX, I was AGAIN referred to a loan officer, and declined a refi.

ONLY when I complained to a branch manager about the loan officers HORRENDOUS customer service skills, did I find out that all this time, all that was required was a simple email request by a branch associate to complete the conversion to fixed rate. Bad training and unfortunately sitting with the wrong associates cost my husband and I thousands of dollars. HAD I NOT COMPLAINED ABOUT THE LOAN OFFICER, I WOULD STILL HAVE AN ADJUSTABLE RATE.

Ive reached out to The branch manager, XXXX, 5 times in XXXX - she refused to return ANY phone call. Not one. I am still a customer. 
The associates that I know I sat with, who admitted remembering me, and referring me to refi instead of converting in-house. Woman in XXXX had notes about me coming in. Then when I asked to use this info, changed her original response. 
The Mortgage Market Manager for east cost, XXXX XXXX XXXX, who said loan officers have no access or knowledge of fixed-rate conversions, and that they should be handled in the branch prior to being referred out. 
The regional Branch Manager XXXX XXXX who oversees all the branches I requested service, refused to return THREE VM phone calls. When I approached her in the branch, she said she would use the costly errors made on my account and horrendous customer service I received as a training tool. But do nothing to make things right.

Most disappointing was th Executive Response Team associate XXXX - refused to contact personnel in branches, told me recorded phone calls are only held for 60 days, notes on accounts only held for 60 days. Refused to allow me to plead my case with ANYONE other than HIM.

How many others are asking to take advantage of a right to origins, a fixed rate, one thats built into their loan, only to be referred out to a refinance department who has no ability or knowledge to do a simple in-house conversion.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We were Suppose to close at XXXX this morning! Bank of America refused to fund loan at XXXX yesterday! They went all the way to the last minute and refused to fund it! After charging the buyer all the fees to prepare the loan, then they bailed at the last second because the 90unit condo has a reserve of {$300000.00} with an insurance deductable of {>= $1,000,000}. The buyers are putting {$290000.00} down on a {$510000.00} condo! This bank has lost their minds and has cost both the buyers and us the sellers time, money and aggravation out of their own incompetence to execute the very basic of services XXXX providing loans ) The buyers have a XXXX credit score and a house paid off in XXXX worth triple this one. This bank needs to be broken up in my humble opinion! They are toooooooo big and have tooooooo much power to be allowed to perpetrate this kind of misery on its customers!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (NY)

On XX/XX/XXXX I was given the option to extend my credit line to {$1800.00} and then paid {$500.00} towards my bill. The next day on XX/XX/XXXX, I received an email with notice that my accounts ( credit card and credit builder prepay account ) are terminated due to multiple returned payments. Ive had 1 returned payment on XX/XX/XXXX for {$770.00} and made an instant payment the same day for {$1000.00}, paying the balance in full. I have never been late with a payment and had the card over a year, the credit builder account is the second one Ive had and Im only 3 months in. When I contacted the customer service on XX/XX/XXXX via chat I was told the same information, my accounts are terminated, and that my request has been escalated to their fraud team. I contacted customer service after finding their phone number on the internet today, XX/XX/XXXX, waited on hold for 18 minutes and was told the same information by a representative. I explained Ive never been late and thats reflected on my years worth of statements and was told again my request has been escalated. I asked to speak to the fraud team and was told I can speak to a supervisor. I waited another 20 minutes on hold until I was told the supervisor was out today. When I asked why my credit limit would be extended if Ive had multiple returned payments the representative began reading off transactions that, according to my own statements in front of me, did not exist. I said there must be a mistake in their data because I do not have those transactions and I asked to speak to anyone else who could help me- the representative began getting aggressive with me and continued reading off transactions and dates that did not exist. I asked to speak to anyone else and was told to wait on hold ( now totaling 01:09:11 minutes call ) until the call was disconnected at 01:15:54. I called back and had the same representative who gave me the same information as before and told me to wait for an email from their fraud department. I asked how long it would take for a response and she told me she couldnt give me an estimate. I asked for a queue number and she gave me a case number : XXXX. Until then, my accounts have been closed and I have a balance since my credit line was increased the day before closure my payment went into a void and this will severely damage my credit score.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NY)

I purchased an item at Sears and paid with a Sears credit card. The item was returned and Sears came and picked up the item. But they are not processing the refund on the credit card and keep sending bills for the charges and adding fees and interest. I have called Sears credit card many times for 4+ months and they are not resolving the issue and keep sending bills. They often hang up during dispute calls and many times when I call, they don't have records of my previous calls or records of their promises to refund the charges. I am afraid that this will affect my credit if I don't pay the bill.
Consumer complaint received 2019-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Audit & Adjustment Co. Inc. (WA)

Billed by medical provider XX/XX/XXXX & XX/XX/XXXX. Paid and cleared XX/XX/XXXX. 
received collection letter XXXX XXXX, Responded to letter XXXX XXXX, with request for validation, advisement that the debt is not my responsibility, previously paid and provided a copy of cancelled check. and requested they stop all communications. 

XXXX and XXXX collections continues to call XX/XX/XXXX & XX/XX/XXXX.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (GA)

Debt popped up as zions debt holdings dated dec. XXXX for XXXX XXXX XXXX XXXX havent lived at no other address since XXXX and my house hold never used this service. Has no knowledge. Tried to reach out to them XX/XX/XXXX and was placed on hold and XX/XX/XXXX I was asked to hold on two separate occasions and the phone hangs up
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I deposited a check on XX/XX/2022 and it was a five day hold because my account is new. I received a notice of the delay funds availability saying that on XX/XX/2022 to the six business day after the date of your deposit will be available to you to use. Today is XX/XX/2022 and my phones are not made available to me.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have a security freeze with equifax since XX/XX/XXXX.Periodically i  will call equifax to temporarily lift the freeze for a short duration. On XX/XX/XXXX approximately XXXX, I was informed by equifax that they will not be able to lift the freeze as a result of not properly answering privacy questions related to my credit report. I was told by several telephone operators, who sounded like they were from the XXXX, that i did not give the correct information. After 15 years, suddenly i can't answer any of the questions correctly? I requested to speak to the supervisor 3 times. Each time i answered the questions correctly, they would ask me an abstract question, attempting to set me up for failure. nonetheless, i have documented proof that i did answer the question correctly. I feel this agency is harassing me. I never have a problem with TransUnion or experian. The following is the list of questions and my response. 
1.what is your full name answer : XXXX XXXX XXXX 2. what is your pin number answer : ... ... XXXX 3. which of the following do you have a loan with answer : car loan XXXX XXXX XXXX XXXX car paid in full as of XX/XX/XXXX 4.have you ever filed bankruptcy and if yes, what date. 
answer : yes, XX/XX/XXXX 5. when did you first file request for credit freeze? 
answer : XX/XX/XXXX I have the letter in my hand with my pin number. 
Response from equifax : I'm sorry, but you did not answer the questions correctly, therefore your request for a security lift is denied.
Consumer complaint received 2023-07-06
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. (GA)

I have disputed the public record on my credit reports for over a year. All 3 credit bureau send results as : bankruptcy verified through a 3rd party, XXXX XXXX in which my XXXX XXXX report contains nothing in the public records section. I have sent in the required verification XXXX, XXXX XXXX and Experian has requested to remove the item they have repeatedly refused even thou I provided what they asked for. Ive asked for their methods of verification also, but they never provide it.y rights are being violated according to the FCRA. Several laws are being broken within the 3 credit bureaus. As a consumer, I ask that u investigate thoroughly as publishing incorrect information on ones credit report is a direct violation.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XX/XX/XXXX Dear Sir or Madam, This message is in reference to errors and inaccurate information on my credit report. Please send me a copy of the investigation that was conducted. 

I don't believe an investigation was done for what Iam disputing. I applied for an auto loan with XXXX XXXX XXXX and XXXX XXXX XXXX. ( Only 2 Should be on my credit report. ) I did not apply for auto loans or requests from other institutions. 

Nevertheless, As per XXXX website and the Consumer Financial Protection Bureau, See Auto Loans. Make no mistake, " Lenders can make requests, also know as inquiries to access your credit files. These requests will only count as a single inquiry if they were made within 14 to 45 days. Please remove the errors below, I will govern myself according. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sincerely, XXXX XXXX