davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-14
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: TD BANK US HOLDING COMPANY (WA)

This issue concerns a Target REDcard credit card that gets fairly infrequent use. After paying off the account balance in XXXX, as I do each month when the card is used, an additional transaction posted, payment for which was evidently due in early XXXX. No statement was ever delivered to that effect. No late notice was delivered. No phone or postal mail correspondence followed up on this balance. 

On XX/XX/XXXX, Target reported a past due balance of around {$110.00} ( {$70.00} of which is late fees ) to the credit bureaus. When I immediately paid the balance and inquired as to why they had sent no email statement and had not followed up with an email reminder, postal mail statement, or phone call prior to reporting to a credit bureau, the customer service agent said ( 1 ) that they are not required to deliver statements and ( 2 ) that they are required to report past due accounts to credit bureaus and can not then undo the report. Neither of these is true. When I reminded them of their obligations under the Regulation Z dispute process, they declined to take action and instead suggested I call ( the law requires written notice of the dispute, which I have provided ). 

I acknowledge the underlying {$40.00} transaction as legitimate. However, with more than 10 years of on time payment history, the only reason this was not paid is because no statement was ever delivered. Their total failure to follow up is debt parking, and while that practice may not be illegal, the customer service response that lies about the law is completely outrageous. They are required under 12 CFR 1026 to deliver statements, and no creditor is required to report late payments ( or prohibited from correcting errors ). 

The idea that an 11-year account holder should take a hit on a credit report that will last for years because of a {$40.00} purchase that was never properly billed, and for which absolutely no effort was made to collect prior to reporting as delinquent, is a black mark on Target for allowing their card servicer to behave in such a customer-hostile manner.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (LA)

I informed the creditor to contact my bankruptcy atty. and they have repeatedly contacted me afterwards and threatened they will still try contact me to collect on the debt.

The creditor is : Tower Loan, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, ( XXXX  ) XXXX and ( XXXX  ) XXXX
Consumer complaint received 2019-07-14
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. (IN)

I have sent Equifax several letters asking the company to dispute items that are 10 years old or older. I again have received a letter back saying that I indicated fraudulent items which is incorrect. I sent letters asking to dispute student loans that are on my credit which is causing my score to be much lower than the other reporting agencies. This company is constantly giving me the run around when I write them to dispute items on my credit. Something is seriously wrong with this company and I would like a full investigation done on how the company complete request from consumers and how their computer system randomly select questions that apply to a consumers personal credit files. In my case the questions are incorrect which hinders or Interfere with my rights to get information corrected. My score is very low and it I need help with this company because they seem to be purposely interfering in my disputes. I am uploading another letter that was sent to me which has nothing to do with the letters I sent to Equifax.
Consumer complaint received 2019-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VT)

My mortgage with XXXX XXXX was modified under the Home Affordable Modification Agreement on XX/XX/XXXX after around five years of paying my mortgage to XXXX XXXX, XXXX XXXX sold the servicing of this note to Specialized Loan Services. Since then I have only had issues such as charges of {$52.00} a month because they were stating that on the there was a grace period ( couldn't tell me how many days ) and a charge of {$52.00} was needed to be charged. I talked to several people in the department beginning late XXXX of this year, then I was told to send them the note I was referring to, which I scanned and sent to XXXX ID # XXXX in XXXX. Later on I received a letter asking me to send the note again. I called and spoke to someone in the Bankruptcy department and was told the same thing. I then received an old note from XXXX XXXX before I filed Chapter XXXX Bankruptcy, I did not affirm the old note at the time since I went through a divorce and could not afford payments of over {$2000.00}, being the reason of bankruptcy. I was directed to speak and receive help XXXX XXXX and dealt with XXXX XXXX for over a year, in which they lost documents constantly so I thought I was going to lose my house and one day I received a letter of being accepted in Home affordable Modification Program. Furthermore signed the agreement I am sending you for your records. 
I called XX/XX/XXXX and spoke to XXXX ID # XXXX and XXXX ID # XXXX. Both rude asking and demanding I pay on time and have refused to transfer me to their bankruptcy department and have told me the payments I have made will not reflect the mortgage payment and will get lost in the system. The reason I couldn't pay by the beginning of the month is because I was an independent per diem federal government court interpreter and was out of work due to the shut down. I caught up and have been paying every month but not by the first and as soon as I have gathered all money before the month ends I sent payment with the additional late fee. At this time I have no solutions but to write and send you the existing modified agreement for you review.
Consumer complaint received 2019-01-04
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: EQUIFAX, INC. (CA)

I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX- I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (GA)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  Account Number : XXXX It's showing that I've have multiple charge-offs and late payment. But here 's the thing, I've never been late on my payments for this account. 

Something else that's weird is that this account info is only showing up on XXXX credit bureau report. Doesn't that seem a bit off? I mean, if it was accurate, wouldn't it be on all the bureaus ' reports? 

XXXX XXXX Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants is reporting collections to my XXXX union credit report from XXXX XXXX ; Acct # XXXX, date XX/XX/2016. Cable services were transferred to a different residential address but with the same cable provider. All outstanding charges were paid to XXXX, prior transfer of services or re connection. Per a XXXX representative, this old account isnt in collections ; nor was authorized to be sent to a collection agency. Ive sent multiple requests to have this false information validated and deleted from my credit report. Diversified has  maliciously ignored my request. The next option is consulting legal action with my attorney, of this false information being report.
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been trying to resolve this matter with experian for the last few months. i informed experian about these accounts. Im not sure whats going on with their dispute center but theres been a lack of investigating. The account Im referring to is XXXX XXXX acct # XXXX {$300.00} THIS IS NOT MY ACCOUNT. I've attached my affidavit and im asking for a removal of the account from my credit report.
Consumer complaint received 2019-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (GA)

I signed up for a US Bank Mastercard in XX/XX/XXXX of this year at a retail merchant with the promise of receiving a {$100.00} credit/refund upon using the card for a purchase within 90 days. I made a first purchase within 2 weeks of activating my card. It is now 14 weeks since signing up for the card and I still have not received the promised {$100.00}. 

During several calls over the past 2 months, I have been told that I am : not eligible for the {$100.00} ; that I am eligible for the {$100.00} and I should be receiving it shortly ; that it can take up to 12 weeks from the date of purchase ; and now told that it can take up to 12-14 weeks from the date US Bank approved my card for the refund program - a date that US Bank now claims is approx 2 months after I activated and used the card. I believe I was sold a credit card under false pretenses and that US Bank is utilizing unscrupulous business practices to delay payment and accrue more interest. I filed a formal complaint with the XXXX. 

UPDATE : US Bank contacted me after reviewing my complaint with the XXXX  and promised in writing to issue the {$100.00} credit. I accepted their resolution and closed the complaint. A month later on XX/XX/XXXX, they sent me a letter indicating they would not honor that promise. I confirmed that position with a US Bank supervisor today. I will be exploring the option of filing a complaint with the FTC.
Consumer complaint received 2019-07-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens bank has increased my HELOC rates over 3 % over the last three years. My rate is well above the national average yet I am in good credit standing and have never missed a mortgage payment. 

When I called Citizens Bank in winter of XXXX they told they couldnt help reduce the rate until XX/XX/XXXX. I tried reaching out back out in XXXX and have yet to hear back from them.
Consumer complaint received 2019-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (FL)

Have been working with Selene Finance since last year on loan modification. We have been providing them the documents that they ask for, but the list keep changing as to more and more paperwork. Just gave them the last set of paperwork XXXX weeks ago. All this time while pursuing the modification and its pending status, XXXX has had their attorneys pursue a dual track by continuing court action. I am told this practice is illegal and called DUAL TRACKING
Consumer complaint received 2021-08-17
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. (SC)

I had a second mortgage home equity line of credit with XXXX XXXX. My first mortgage loan was foreclosed. I was never materially delinquent with XXXX XXXX. When XXXX got notice of the foreclosure hearing they accelerated my loan, still not delinquent. The loan balance was an amount that could easily have been converted to an unsecured loan, but they wouldn't consider it. XXXX charged off my loan. This activity is from XXXX through early XXXX. 

In early XXXX XXXX 's recovery department called me and we worked out an arrangement. I paid a third of the loan balance ( {$54000.00} ) in an {$18000.00} lump sum, I'm paying a third in installments, and once I finish paying {$18000.00} in installments XXXX  is under contract to cancel the last third. 

Even though I am timely paying the required installments, XXXX reports me as very past due on the loan. I don't see how they can report me past due when I was never seriously delinquent on the original loan, they got nervous and accelerated the loan when I was willing to keep on making regular payments, and I am fully performing the terms of the arrangement with the charge off department. I don't see how they can even call the loan part of their regular reporting portfolio when it's been charged odff. 

NOTE : this complaint is actually two complains. The original loan was joint credit with my wide, and XXXX reports her delinquent too.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (SC)

I had 141 unauthorized transactions on my cash app account. All of these transactions said they initiated from XXXX and were between $ XXXX {$4.00} for a total of almost {$250.00}. I contacted cash app support to advise the charges were unauthorized. I was told that I would need to dispute the charges and sent a link. 

I submitted the dispute advising there were 140 identical charges. After a few days I contacted support again and was told that the dispute could take up to 45 days but usually takes about 10. During this conversation with XXXX I was told that there were too many transactions for him to handle by phone and I could not reach someone in their disputes department directly nor did my issue meet their requirements to speak to a manager & the only thing I could do was wait. I reached back out to support via the chat in the app and reached the same individual who told me the same thing. 

Today I received an email that the dispute was resolved in my favor and 1 of the 141 charges was returned. When I reached out to customer support to find out why, I again reached the same XXXX agent who advised that I would have to dispute each transaction, they take between 10-45 days to investigate and that I cant dispute another transaction until the first is resolved. So essentially it would take XXXX days to get my money back for charges that can easily been seen by their time stamps that they were done by an automated system or bot. 

Ive contacted XXXX and they confirmed they dont even have this card number on file nor were these charges initiated by them. 

To go in and look at SO MANY of the exact same charges and only refund one as unauthorized is deplorable business practices and not a company I would want to do business with. Cash App is well known for being hacked and the system for scammers across the world. At this point I want to close the account and have nothing else to do with them but I cant even do that because when they finally resolve this matter, the funds will be deposited back into the same account and I will be on a mad dash to transfer them before they are scammed again. 

Theres no way this company should still be in business! Though they have clearly paid for their 5 star rating on the XXXX  website, the XXXX complaints and XXXX star reviews make it clear that this is definitely patterned behavior for this business and they should be investigated for financial theft and fraud.
Consumer complaint received 2022-11-30
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-08-28
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. (CA)

I entered into a consumer transaction with XXXX XXXX XXXX XX/XX/2022. Based on the condition of my credit I was pre approved for {$2000.00} credit limit ( see attached ). I then accepted the application because it would cover what I needed to purchase for my personal and or household goods. After I accepted the offer, I was told that correspondence will be sent to me in the mail. I received a letter dated XXXX XXXX stating that in order to complete my request, we require additional information to verify your identity. So I called the XXXX number provided in the letter ( XXXX ) XXXX and provided the info asked of me. At that time, another pull to my credit report was conducted to which the agent on the phone did not disclose to me that they would pull my credit. I was not informed that my credit limit would be subjected to the condition of my credit report arising from the credit pull on XX/XX/2022. This has caused me serious harm as defined in 18 USC 1589 ( c ) ( 2 ).

Pursuant 1581b ( a ) ( 2 ), my written consent is needed to furnish a consumer report about me. I did not give XXXX XXXX  and XXXX permission to pull my credit on XX/XX/2022 and they did not have the lawful authority to report to a non affiliated third party my nonpublic personal information. On XX/XX/2022 the credit card account was opened and reported to to the credit reporting agencies without my written consent. No consent due to non disclosure is not lawful authority. No consent is aggravated identity theft. It is my right to a fair and equitable credit report. Pursuant 15 usc 1681 ( b ), Im aware that under the Gramm-Leach-Bliley Financial Protection Act ( 15 USC 6802 ) my nonpublic personal information should not have been disclosed to any non affiliated third party ( Credit Reporting Agency ) without my lawful consent. 

Furthermore, the agent told me that I was only approved for a credit limited for {$630.00}. I then told the agent and her manager that, that I have already accepted the credit limit of {$2000.00} on the date that I extended my credit on the initial consumer credit transaction in XXXX, XXXX. They then told me that there is no application in the system for that limit. This is a breach of their fiduciary duty. 

See attachments showing proof that : 1. I entered into the transaction in XXXX. 
2. The XX/XX/2022 letter states in order to complete your request proof that an application was accepted in XXXX. 
3. The original credit limit I was approved for which is {$2000.00}.

4. Credit report showing the date open which is incorrect, fraud, and proof that they ran my report again on XX/XX/2022.