davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

My dad and I share a bank account with TD Bank. On XX/XX/20, I noticed there were five unauthorized XXXX transfers on my account for a total of {$4800.00} to someone I did not know that occurred. I immediately notified TD Bank and submitted a fraud claim. I also froze the account and opened a new account. At this same time, my dad realized that his information had been compromised as he noticed fraudulent activity on his other TD accounts and he also opened a new account. We have both called TD Bank and told them that we had never authorized XXXX. XXXX had never been used on my account before. 

After following up, I have been told by TD Bank that my fraud claim has been denied since my dad 's email address was used to authorize XXXX. This is despite the fact that we told TD Bank that my dad 's information had been compromised and that we have never authorized XXXX. 

TD Bank has told me that I am liable for the full {$4800.00}. When I called TD Bank today, I was informed that I needed to submit proof that my dad 's information was compromised. I am not sure how to produce such information other than the fact that we immediately reported the fraud, closed the accounts where the fraudulent activity occurred, opened up new accounts and have changed the passwords on all of our accounts.
Consumer complaint received 2023-03-15
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: ERC (TX)

Seriously, I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and DELETE it immediately in my report : XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2022 Balance : {$310.00}
Consumer complaint received 2020-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been having a hard time getting disputes resolved with Capital One lately. I emailed the disputes but got no response, so now filing this. I filed with XXXX and Capital One said I didnt respond which I absolutely did a week prior. I have called them, emailed them and have got nowhere. There are 4 transaction rebills, 3 of which I got no notice on before they were rebilled to keep these open. I just called Capital One and they said that the letter for {$930.00} dispute was also for the {$59.00}, {$2200.00}, and {$220.00}! I have been a long time customer of Capital One! Since when do they not take the side of your customer and actually ask the merchant about it.I submitted more papers online for the {$930.00} + {$59.00} charge. With this covid, businesses have been closed, we can't get our money back. I filed papers online and by mail ( which is how Capital One wants it ) for {$2200.00}. That's why I charge things to my credit card to make it easier for fraud or disputes. Please look into these charges because am still disputing them and they should be taken off. I have got nothing that the merchants responded to on these.
Consumer complaint received 2024-03-05
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-03-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Ive been disputing the inaccurate and Incomplete information for 5 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified
Consumer complaint received 2020-11-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XX/XX/2020. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to Equifax. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off. 

I called XX/XX/XXXX about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

This is the THIRD request that I am sending to remove incorrect personal information on my credit report. Please remove this incorrect information ASAP and send me an updated copy of my credit report to reflect these changes. 

The following names are incorrect and need to be removed from my credit report XXXX XXXX, this name is incorrect and inaccurate please delete from my credit report XXXX XXXX XXXX, this name is incorrect and inaccurate please delete from my credit report XXXX XXXX XXXX, this name is incorrect and inaccurate please delete from my credit report
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting and account #, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-14
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. (SC)

This is my XXXX complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX
Consumer complaint received 2023-03-17
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: Army and Air Force Exchange Service (NJ)

In accordance with the Fair Credit Reporting Act the creditors has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 604A section 2 it also states a consumer reporting agency can not furnish my account without my written consent.

15 USC 1666B a creditor may not treat a payment under and open and any consumer credit as late.
Consumer complaint received 2018-06-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I've requested several time with XXXX XXXX my servicer a mortgage modification based on my XXXX income. XXXX XXXX has been unwilling to reduce my house payment and has been very difficult to work with. I don't want to loose my home to foreclosure. 

XXXX XXXX refused to provide details on a repayment plan that was recently offered and they were also going to make a {$50000.00} Private mortgage insurance claim. My new mortgage payment was going to remain the same and I my mortgage payment was increased including my escrows being short.
Consumer complaint received 2020-11-10
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: AFNI INC. (OH)

In XXXX AFNI fraudulently added a account that is not my account, during this time it was removed and they went under a affiliated name AfNI and put it back on my account. I dispute the debt and as it's being disputed the company continues to add the account again during the dispute. I have know knowledge of this account and the company has shown no verification the account is mine with my signature that I agreed to any said services with thier company or any affiliates. This is causing me stress and I have had to go see my Drs. As it has been a constant worry and harassment. I have contacted my attorneys and plan to move forward as it is causing XXXX XXXX.
Consumer complaint received 2022-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I, XXXX XXXX, NATURAL PERSON, contacted Resurgent capital VIA TELEPHONE at XXXX at XXXX XXXX, XX/XX/2022. I spoke TO a YOUNG LADY NAME XXXX  AND A SENIOR CUSTOMER SERVICE REP. NAME XXXX. THEY STATED THAT THEY CANT DISCUSS ANYTHING WITH ME BECAUSE I PLACED A CEASE & DESIST ON THE ALLEGED ACCOUNT. THEY SAID AS OF XX/XX/2022, THE CEASE & DESIST WAS PLACE ON THE ALLEGED DEBT. THAT MEANS ALL COMMUNICATION HAS TO STOP EVEN ON MY COSUMER REPORT. ACCORDING TO 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. IN ADDITION TO THIS DEMAND PURSUANT TO15 USC 1681a ( d ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for DELETE IMMEDIATELY
Consumer complaint received 2021-03-08
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. (NJ)

THIS INQUIRY DOES NOT BELONG TO ME, I WOULD LIKE THIS TO BE REMOVED PLEASE. 

NAME : XXXX XXXX  XXXX XXXX DATE : XX/XX/2019
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

On XX/XX/2019, the lien holder XXXX XXXX XXXX reported to the bureaus that my account was closed ( which it was not ) and added a remark that there was an involuntary repossession ( which it was not ). After speaking with them they advised that no one in the office reported that information ( lies ) So once I disputed it, the account was reopened and the remark was removed. That inaccurate information caused my credit score to decrease 128 pts. I have contacted them multiple times to ask when will my credit score be restored due to the inaccurate and incorrect information being reported ; I was told they didn't know how long it would take for my points to be restored and after requesting to speak with supervisors on multiple occasions I was then told that my score will be restored after 30 days of the closing of the dispute. The closing of the dispute was around XX/XX/2019 and has since been thirty days and no change.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I've had two major issues arise from Navient 's mishandling of my loan 's forbearance paperwork. One is that they claim my account was not in forbearance for a two month period and do not have records of the paperwork. Two is that they put this on my credit report as a missed payment for each of my 5 loans for two months totaling 10 late payments on my report. Navient has refused to correct this when contacted and claims they are in the right. 

1. These late payments vary across the bureaus but on XXXX  it shows XXXX and XX/XX/2014 and on XXXX it shows XXXX and XX/XX/2014. This is all around the same time period Navient split from Salle Mae and in all likelihood mishandled my forbearance. 
2. The first late payment is listed as a 90-119 day late and the second is listed as a 120-149 day late. How is that possible if the proceeding months are listed as current? 

3. Navient applied a late payment to each of my loans separately showing a total of 10 missed payments across two actual missed payments which should not of been shown as missed in the first place. This has been detrimental to my credit report and prevented me from placing my own name on the mortgage of my own house due to high interest not to mention my car loans high interest as well. I verified this when I disputed these payments and the loans temporary came off increasing my credit by 80 points! Only to go back down once they were re-added to my credit report.
Consumer complaint received 2020-11-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized loan servicing committed identity theft and fraud when they stole my identity and reported to all credit reporting agencies that a payment was made by me on a fake mortgage debt on XX/XX/XXXX by me and then sold the fake debt and fraudulent account without any verification for their Prior errors and blatant fraud to further the racketeering scheme for XXXX XXXX and XXXX XXXX to cover up its phony records it creates for XXXX and XXXX XXXX XXXX aka XXXX XXXX after they cook the books for XXXX XXXX XXXX with crooked lawyers to illegally foreclose on my home and business with fraudulent accounting where Sls is fabricating false records on case XXXX ca XXXX in Florida to cover up the Fraud, XXXX XXXX has constructed for XXXX to steal my homes equity and extort me for money not owed because they create fake reporting and make fake payments and commit forgery, identity theft like on XXXX XXXX on my record to keep the fraud alive for XXXX, XXXX, XXXX and XXXX in XXXX so they can get money from the government share loss agreement and make false claims for damages and steal homes disguised as business as usual in violation of state XXXX and false claims act laws And state penile code laws. I request a written response
Consumer complaint received 2022-12-14
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$7300.00} ; DEPT OF ED/XXXX  XXXX Balance : {$44000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$22000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX  XXXX XXXX Balance : {$470.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX 2022
Consumer complaint received 2020-11-10
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611.
Consumer complaint received 2018-04-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I returned my lease vehicle in, and purchased a new vehicle. At the time my vehicle was turned in, it was accepted and I had no further liability for any charges associated to the lease. 
Five months later I recieved my first letter dated XX/XX/XXXX stating I have an account settlement amount due of {$2600.00}. I disputed all and any charges relating to the leased vehicle, stating it was turned in with NO further liability, and requested my deposit back of {$700.00}, I stated this in 3 corresponding letters also stating I would contact the FTC for violation of my consumer rights and perpetrating a scam. 
My most recent letter I recieved, dated XX/XX/XXXX, said I now have a total amount due of {$1300.00}, and I have 10 days until they notify the credit bureaus! 
I've now sent 4 letters stating I have NO liability to any charges associated to the lease in question, and not to contact me, and that I will be filling a complaint, with FTC.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX XXXX Bank  increased my XXXX credit card from {$2600.00} to {$8000.00}. One week later, XXXX Bank reduced credit from {$8000.00} to {$2600.00} without any legitimate justification. 

My balance was already at {$2500.00}. Now I have a 97 % high credit utilization because XXXX Bank maxed out my credit limit by reducing my credit line from {$8000.00} to {$2600.00}. 

As a result, this has caused my credit score has dropped over XXXX points on XXXX, XXXX, and Transunion credit bureaus. My account is in good standing. I have no delinquencies. Please force or advise XXXX, XXXX, and Transunion to give me back my XXXX points ( or more ) that was a result of my 97 % high credit card utilization ( based on XXXX Bank XXXX Credit card ). 

Although a bank has a right to lower/increase credit, lowering my credit negatively impacted my credit score on XXXX, XXXX, and Transunion. My credit score shouldn't have decreased when my account was in good standing.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.