davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2019 I submitted a dispute with Huntington Bank for {$3200.00}. The payment was a car that purchased. The same day the car was purchased vehicle stop working. I advised the car dealership XXXX in XXXX, Ohio the issue and the car was returned. I never received my money back, the owner is not responding to the dispute, I explained to the bank that the car was a lemon, I no longer have the vehicle, the dealership has the car in their possession. The dealer lied about the issues with the car, lied about fixing the car upon agreement. After Huntington Bank investigation, they denied my refund. Again they did not hear back from the dealer, which right there is Fraud. The transaction is fraudulent. FDIC standard insurance amount is {$250000.00} per depositor, per insured bank, for each account ownership category. The bank is suppose to guarantee the safety of your money. And they did not honor that. FDIC insurance covers all types of deposits received at an insured bank ( Huntington Bank ), including deposits in a checking account. I was blindly robbed for my money due to fraudulent company.
Consumer complaint received 2020-01-28
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. (SC)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done. I'm really trying to move forward in life and these accounts can hinder my progress.
Consumer complaint received 2019-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent letters last year in regards to this issue and have not heard back from them, XXXX and Transunion. They are all dated for the year 2017 from XX/XX/XXXX to XX/XX/XXXX and I don't recognize all of this inquires.
Consumer complaint received 2019-04-12
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. (FL)

I SUBMITTED DISPUTES OF COMMON ERRORS ON MY CREDIT REPORT SUCH AS THE WRONG AMOUNTS AND DATE OF LAST ACTIVITY ON THE ACCOUNTS. THE CREDIT BUREAUS REFUSE TO SHOW VERIFICATION OF HOW THEY INVESTIGATED THE PROBLEM. ACCORDING TO THE FCRA THEY HAVE NOT COMPLETED A THOROUGH INVESTIGATION. THEY ARE USING AN AUTOMATED SYSTEM. 

I NEED A REASONABLE INVESTIGATION AND PROOF THAT THERE WAS AN INVESTIGATION TO THESE ACCOUNTS THANKS
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (FL)

I am a victim of government shutdown. I need more time to pay my bills. I cant afford to make a minimum payment for a few months. 

I need to defer payments for six months.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-24
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. (NY)

XXXX is reporting inaccurately on my consumer reports. I have disputed this account a lot of times and the consumer reporting agencies are still reporting wrong. The high credit is wrong. Each consumer reporting agency is reporting something different. XXXX is reporting {$9600.00}, XXXX {$9600.00} and Equifax is reporting {$10000.00}. The date last reported is super old so it seems like the consumer reporting agencies never investigated the accuracy of this account. The date last active is also wrong. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. I am demanding this account be deleted due to numerous inaccuracies continuing to be reported on my consumer reports. 
XXXX is reporting with XXXX. It is reporting inaccuratelyly. The date last active is wrong. This company has ignored my request for validation so I dont know how XXXX XXXX able to verify this account accurateness when the collection agency will not provide any proof. I am demanding this account be deleted from my consumer reports. 
XXXX is reporting on XXXX, XXXX and Equifax inaccurately. First thing is Equifax is reporting that this account is 120 days late and with payment history. A collection account can not have any payment history whatsoever. Equifax needs to delete this account asap for this. XXXX is reporting a date last active of XX/XX/XXXX. There was never any activity on this account in XX/XX/XXXX so it looks like this account has been reaged and this is illegal. XXXX needs to delete this account asap. XXXX has not conducted any real investigations to make sure the reporting this account is 100 % accurate and I am demanding this account be deleted from my consumer reports. 
XXXX XXXX is reporting with XXXX and this account was never investigated and XXXX has not done anything to ensure this account is reporting 100 % correctly. 
Now, XXXX is not a reliable source to verify or validate the accuracy of any account. So if you fail to delete any of the inaccurate accounts I have mentioned in this complaint I need to see the actual documents and results you received from the creditor or the collection agency because at this point I have given many chances for these accounts to be fixed and you failed to do so deletions are mandatory. There have been numerous of cases when the consumer reporting agencies have been sued for continuing to report inaccurate information on a consumer reports and I really dont want to have to take it there so please delete these accounts.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

To Whom It May Concern, The reason for my dispute is CREDIT COLLECTION SERVIC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT COLLECTION SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT COLLECTION SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDIT COLLECTION SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where CREDIT COLLECTION SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDIT COLLECTION SERVICE has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

My name is XXXX XXXX XXXX I have a few address on my file that are not accurate. I never lived at XXXX XXXX XXXX XXXX, XXXX, OH XXXX ,XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX My SS # XXXX please remove any variations of my name they are not accurate.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

My name is XXXX XXXX XXXX I have a few address on my file that are not accurate. I never lived at XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX. My DOB is XXXX My SS # XXXX please remove any variations of my name they are not accurate.
Consumer complaint received 2024-02-28
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR DELETED COMPLETELY FROM MY CREDIT REPORT : Inaccurate Address : 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 2019-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Date : XX/XX/2011 Amount : {$7300.00} Action Taken : Called mortgage bank, my attorney, seller 's attorney, and title insurance company and all multiple times. 
Re : real estate closing transactions I was asked to pay checks for {$23000.00} even though I was supposed to pay {$17000.00} at the closing. I was also threatened by the bank attorney XXXX XXXX XXXX that If I don't pay everything they are asking for, I will lose my down payment and that I will not be able to close anymore. 

I overpaid {$1100.00} city taxes for the property at the closing. And, there is no account of {$6200.00}. 

I explained everything to the bank but they refused to accept my explanation to them and claiming that bank does not own me any money and that all calculations are correct. 

Hud closing document and title insurance closing documents are not matching either. 

My attorney, XXXX XXXX refused to cooperate with me in any manner after receiving his legal fee from me for doing nothing. He even asked me to bring more money at the closing than I should be bringing. 

Moreover, none of these documents have matching numbers
Consumer complaint received 2019-04-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO. (OH)

When I leased my XXXX XXXX XXXX from XXXX XXXX XXXX, I was told I would have the option of ending the lease early. XXXX XXXX XXXX said to stop in any time in the last 3 months of the lease. The lease was to end in XXXX so in late XXXX, I stopped by dealership to talk about turning it in early and possibly getting another vehicle. In considering a new vehicle, the dealership added in charges for the last 3 months of the lease on the XXXX XXXX. I emailed and said that had not been what I had been told and I wasn't happy with the bait and switch and would be looking elsewhere. I had been a customer of theirs for several years. XXXX XXXX XXXX 's Finance Manager emailed me and said that as they had made an error they would cover the last 3 months of the lease. I asked if there were any contingencies and they did not give any. Thus I turned in the vehicle. All I signed for in turning in the vehicle was the mileage on the odometer as one does when trading in or turn in any vehicle. I then received an invoice from Ford which included mileage overage fees AND the cost of the last 3 months of the lease. I told Ford I would pay the mileage charges but NOT the last 3 months of the lease because their agent - XXXX XXXX XXXX Dealership - had agreed to pay. XXXX XXXX XXXX then refused to pay the last 3 months. I sent Ford the email - written documentation from XXXX XXXX Ford showing they agreed to pay the 3 months. Ford Credit refused to acknowledge the email documentation and stated I was lying. I tried for 6 months to resolve the issue. They threatened legal action and so I gave up and paid the entire amount due. The attorneys for Ford Credit also refused to acknowledge the agreement by their own agent - XXXX XXXX XXXX - to pay the 3 months left on the lease. 

Ford Credit then noted on my credit report that the lease was paid late which was not true. Until I turned it in, I always paid on time and more than due. 

Further, when I disputed the information, Ford changed it from late to a Charge Off which is further damaging my credit report. This is being done in retaliation for me disputing at all. 

The harassment which came at me from not only the attorneys Ford hired but also from XXXX XXXX XXXX Dealership was extremely upsetting. I have XXXX from domestic spousal abuse and was going through horrific divorce at the time. What Ford, their attorneys and XXXX XXXX XXXX put me through did not help my XXXX at all but just made it worse. 

I need assistance in getting this resolved. I have the email from XXXX XXXX XXXX documenting the agreement to pay. This should not be a charge off. I did all I was supposed to do. It was Ford 's own agent who failed and lied to me - customer.
Consumer complaint received 2019-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (CO)

XX/XX/2018 I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went in for a XXXX  XXXX/XXXX, at the time I hadn't ever had one before so I wasn't aware of why I felt like I was about to XXXX   XXXX. I explained to them my symptoms, which they somehow couldn't determine it was an obvious XXXX XXXX. Instead they started off by giving me a XXXX of XXXX  ( XXXX XXXX ) and then they put me through the ringer ; They ran unnecessary tests on me only to determine I was OK to go home. I was charged {$3000.00} for a drug screen after I told them I hadn't taken anything, yet they insisted I still XXXX in a cup without telling me I would later be charged XXXX for it. I was charged {$320.00} for a XXXX bag of XXXX   XXXX .09 %, HOW?!!? I dare ANYONE to look up how much a XXXX bag costs! Then I was charged {$1400.00} for an XXXX which resulted in nothing, I never said I was having any problems relating to the need of an XXXX, nor was I told that the use of their XXXX resulted in me being bumped up to a Level XXXX out of XXXX ER visit. But here 's the kicker I was charged {$6200.00} for that XXXX XXXX ER visit ... I WALKED IN AND OUT without assistance mind you. 
In total I was charged {$12000.00} for my visit and after insurance I was left to pay {$1800.00} ... Thats more than my mortage, HOI, and taxes combined!
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (FL)

We opened an account with XXXX ( XXXX XXXX XXXX Visa card ), and asked for there not to be 'Account Assure ' service on the account. They added it anyway. Also, when we closed the account they posted our payment as late and charged us a late fee & interest before closing the account, even though the final balance check was cashed within about a week of asking for the account to be closed ( they claimed they received the check 2 days late and charged {$27.00} late fee, then interest and the unwanted service fee of ~ {$0.00} a month on top of it. The balance being paid off was about {$27.00} ...
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (KS)

I am repeatedly being contacted by Diversified Consultants , Inc . ( " D.C.I. '' - which I believe is the only agency involved with this fraudulent attempt at collecting money from me ; but it has been going on for some time - they may also have partners, I think another company tried contacting me in the past as well ). They are relentlessly trying to collect an alleged {$56.00} on behalf of XXXX XXXX XXXX. I called XXXX XXXX XXXX directly to confirm, and they told me I have never had an outstanding debt, which makes sense because I have had my credit card set up on auto-pay since my account was initially set up with XXXX XXXX XXXX - so quite frankly, this is ludacris. I don't understand how this company hasn't been shut down already. D.C.I has been sending me letters with RETURN MAIL ONLY listed for XXXX XXXX XXXX, XXXX, MI XXXX & they are listing the amount due should be sent another address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. They have the creditor listed as XXXX XXXX XXXX XXXX, Account Number : XXXX, Agency Reference Number : XXXX, Balance : {$56.00}. They have a toll free number of XXXX. They are calling 1-2x a day from phone numbers in XXXX, NE. Here are some of the numbers that nonstop call me : XXXX, XXXX, XXXX, XXXX, XXXX, and I have tried blocking others. I have also tried answering a couple of the calls and explaining to the representative that I have contacted XXXX XXXX XXXX and confirmed these claims are fake. But that has only caused them to call me more and more it seems.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I monitor my credit closely using FICO, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have 0 negative late payments, 5 hard inquiries, average 24 % debt ratio, average 3+ years credit history, 0 negative reports. 
Suddenly my Equifax score on XXXX XXXX dropped XXXX points! I've researched and find nothing new. I called Equifax and they wanted to SELL me a credit report! Instead, I downloaded a free report of Equifax from XXXX. 
Again, nothing new showing why they would drop my score XXXX points. I'm close to applying for a mortgage and need this fixed. Is this a scam Equifax is doing to sell their products?
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia (VA)

XXXX recently responded to a complaint stating they never received my prior 4 letters. This is false and a blatant lie. I have 4 postal delivery receipts ( included ) from XXXX XXXX XXXX XXXX XXXX va XXXX. So they did receive them. Furthermore i have sent that they made an update to credit report as disputed prior to this complaint proving they were very aware of my several attempts to contact them. I have sent them a 5th letter with a dated credit report proving the update took place prior to submittance of my cfpb complaint. Regardless i have receipts proving they received them of they lost the correspondence thats on them. All i need to have a legal case is proof of receipt which I have. XXXX  also reports 2 different addresses and 3 different numbers and are very inconsistent even reporting 2 different amounts owed. This is not my debt  and if this company continues to stall while damaging my credit i will pursue legal action against them. I also possess credit reports from XXXX, XXXX, XXXX, XXXX, and XXXX showing i have disputed this debt several times each report date coincides with date i mailed validation letters.