davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
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. (MD)

I attempted to initiate a dispute in reference to an ongoing matter-reaged account listed on my Equifax report. I was unable to submit request via Equifax online or subsequently with a live Equifax representative in the dispute department even after going though a validation of existing credit lines on my report. 

Equifax continues to be difficult to deal with. XXXX XXXX has erroneously, validated a debt that should have fallen off my credit report. To illustrate my concern, XXXX XXXX was formerly known as XXXX XXXX XXXX who was formally known as XXXX XXXX XXXX. I took out a mortgage, XX/XX/XXXX with XXXX XXXX XXXX. As mentioned, XXXX XXXX become XXXX XXXX XXXX  and here is where the problems began. I filed Chapter XXXX Bankruptcy in XX/XX/XXXX- my mortgage with XXXX XXXX was included. I never made mortgage payments throughout XX/XX/XXXX and XX/XX/XXXX-see attachment because I was seeking a modification under HAMP. XXXX XXXX XXXX became XXXX XXXX, they reported mortgage lates for XX/XX/XXXX only when in fact the mortgage was not paid in XX/XX/XXXX-see attachment. In short, not only did Equifax validate on a prior occasion erroneous information ; they also prevented me from entering in the dispute today when speaking to a representative who validated my information via identity challenge questions. Going further, three mortgage entries are currently on my Equifax report- XXXX ( formerly XXXX XXXX XXXX ) ; XXXX who the mortgage was transferred/sold to and XXXX the final servicer of the loan in question. AS mentioned, the loan originated in XX/XX/XXXX- this is same loan being reported correctly by XXXX and XXXX and reaged and erroneous by XXXX XXXX XXXX I am distressed that Equifax and XXXX XXXX XXXX Bank have gotten away with reaging an account that has resulted in costing me hundreds of dollars in extra interest over the years.
Consumer complaint received 2019-07-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (CA)

I am currently still enrolled in classes with my school. I should be in Deferment status but for some reason I am in Repayment status. I was not aware that any sort of payment was due until I had a payment past due and another payment to be due in a few weeks. The amount of these monthly payments are almost as much as I pay in rent each month, needless to say, I can not afford one, let alone 2 of these payments in a month. I still have a year and a half left before graduation and I am terrified of the amount of debt that I am in to this company who has not been helpful whatsoever.
Consumer complaint received 2018-02-25
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. (NY)

I tried disputing an inaccurate item on my credit report, The items are " XXXX XXXX XXXX XXXX '' Which is showing up twice on my report. Experian did nothing to resolve it but simply change the status to " Verified '' " disputed by consumer ''. This account does not belong to me and is not reporting to any other credit bureau. They refuse to re-investigate or do a proper investigation in the first place.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am trying to refinance my Mortgage. A Credit report was pulled and an item for XXXX is listed on my trans union as a collection chargeoff. I called them at XXXX and they stated that the account number was not my account. I said I know that, please tell the credit bureau so it can be removed. They said we did not and would not report it because it does not belong to you. I said they please give me a letter stating that, they no. I called back and spoke with a different manager twice and they said no as well. There address is XXXX XXXX XXXX Ut, XXXX. They had to report for me to have their information. I just need it removed please.
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2018-02-25
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: CITIBANK, N.A. (NY)

BLOOMINGDALES DEPARTMENT Has been reporting a late payment on my XXXX and XXXX credit reports dated XX/XX/XXXX. They are not reporting late on Equifax. I never paid this account late, I tried contacting them on over XX/XX/XXXX occasions by mail, both regular mail and certified, and by phone. They never responded to me by mail with anything at all. By phone they told me that they can not help me and that I must contact them by mail which I did many times with no responses. When I disputed with credit bureaus they do nothing but verify the late payment with no justification. I know for a fact that I never paid this account late because I was paying with autopay and checking it monthly. They are negatively affecting my credit which is preventing me from acquiring business loans and certain balance transfer cards that I need to save money on interest for my other cards.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Multiple times I have tried disputing incorrect accounts with these credit bureaus but they always fail to make corrections. I have contacted them around 5 times in the past 3 months trying to get this info off my report along with sending them proof that the accounts are not mine and invalid.
Consumer complaint received 2020-02-10
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: Experian Information Solutions Inc. ()

On XX/XX/2017 I applied for a credit card at XXXX  XXXX XXXX. After that, I received a letter which they denied my application because of you reported a wrong information about my credit score. First at all, Im XXXX, I havent live at the US and I dont even have a social security. I dont have any credit products At the US like you can provided a credit score of me, so you must not be able to provide any real credit report  about me. Besides, you provided information that I declared an account as bankruptcy and thats not true. Im not in bankruptcy, I have my own 2 companies in XXXX, my apartment, my cars, and my savings inXXXX  and in the US. I tried to ask my credit report and it was impossible because the sistem didnt recognize my information, so I called to your call center and I was attending by XXXX, he tried to find my credit report without social security, using my ID ( passport ) and he couldnt find it. He recommended me that send emails to www.experian.com/upload and support my explanation with documents. I did this process 3 times and I didn't receive any answer from experian. So, I complained about this situation in XXXX and I didn't receive any answer either. For that reason I need help from you, because I need an answer. It made me some uncomfortable situations. I don't have any bad credit report in my country in any place so I need help to solve that as soon as possible.
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NH)

The XXXX XXXX XXXX TD Bank did not issue an electronic statement for my first statement period and charged a late fee. The statement also does not appear on my online account and is not accessible. 

I opened this account in XX/XX/XXXX and we took delivery of our furniture in XX/XX/XXXX. The first statement should have been emailed or mailed toward the end of XX/XX/XXXX. This is a zero-interest-for-XX-months-style card, but has very high interest and penalties if payments are missed or late. 

I contacted the company and the they reversed the charge, but in trying to set up recurring payments online I discovered several questionable practices on their site. 

Additionally, the XXXX XXXX XXXX TD Bank issued credit card has several issues with its payment option and information online. 

XXXX XXXX XXXX 1 ) Does not offer any information on how to mail in a payment on their website. In their FAQ and other areas has broken links to payment information ( See, under FAQs, Account Overview/Bill Payment/What should I do if I want to mail my payment but I do not receive a paper statement? This link is the only offering of a remittance address and is not active. 

2 ) Does not post statements online. 

3 ) Customer Service email address XXXX is not active. 

4 ) There is not option to make a recurring monthly payment for more than the minimum payment due. 

In my opinion, these are intentionally put in place to make payment difficult and confusing in an attempt to have more accounts default and jump into higher interest payments.
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NE)

Someone opened an account fraudulently in the name of XXXX XXXX on XX/XX/2018 with Victoria 's Secret ( Comenity Bank ). When account was learned of, a police report was filed, identifying the fraudulent account with Victoria 's Secret. The police report and personal identifying documents were provided to Comenity Bank as part of a dispute of the fraudulent account. When Comenity Bank determined the account was valid, a request for file disclosure was made as allowed by way of the FCRA and FACTA. However, the only information provided by Comenity was the date of account opening and the name of which it was opened. This does not constitute file disclosure.
Consumer complaint received 2020-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Dovenmuehle Mortgage, Inc. (FL)

We were notified that our loan of {$340000.00} was sold to XXXX XXXX  and the servicing was being transferred from Dovenmuehle Mortgage to XXXX XXXX XXXX  at the end of XXXX. At the time, we had already arranged an electronic transfer of {$1500.00} from my husband 's XXXX XXXX account to Dovenmuehle for the XXXX mortgage payment of {$1400.00} plus {$89.00} addition to be added to the principal. I called Dovenmuehle in late XXXX to cancel the transfer and I attempted to cancel the transfer myself on their websites. Both were unsuccessful. I was told by the customer service rep at Dovenmuehle that our transfer would either not go through or if it did, it would be transferred over to XXXX XXXX. Our transfer did go through on XX/XX/2020 to Dovenmuehle. Since that time, our loan for the full amount of {$340000.00} was transferred to XXXX XXXX, however, our XX/XX/2020 payment of {$1500.00} was not transferred or refunded to us and is not reflected in the balance that was transferred to XXXX XXXX. I called both XXXX XXXX which has no record of a transfer from Dovenmuehle, and Dovenmuehle was told various excuses on my several calls to Dovenmuehle including this last time on XX/XX/2020 with my attorney on the phone speaking to a supervisor at Dovenmuehle named XXXX. We were told Dovenmuehle needed to find a tracking number for the transfer to XXXX XXXX. We wer told the Dovenmuehle had the money on a suspence account. We were told they never received the money until I provided them with a copy of the bank statement showing the transfer at which point they said they never received the statement. We expected to hear something back by yesterday XX/XX/2020. No response. No tracking number for our money. No explanation for where our money is. We had to make an additional payment to XXXX XXXX to keep from having a late fee applied to our mortgage payment and we are still missing our money. We either need to get a full refund or have the money transferred and applied to our loan at XXXX XXXX immediately.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TRUIST FINANCIAL CORPORATION (PA)

I HAVE BIG ISSUE WITH TRUIST BANK AND XXXX PULLING MY CREDIT REPORT. I have been trying to apply for credit but both banks are stating they cant pull my XXXX report. I thought that they couldnt pull my report because my credit angecies was frozen. BUT, it was NOT. I was able to get credit extented at a different bank. However, Truist and XXXX is not having any sucess oulling my credit. I want Trusit Bank and XXXX be able to pull my credit so I am able to get funding extented to me. thnak you
Consumer complaint received 2022-12-15
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights 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
Consumer complaint received 2018-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (IL)

Back in XX/XX/XXXX, XXXX erroneously placed my account into collections with XXXX. My balance with XXXX was paid at this time. I didnt understand when received call from XXXX and paid them XXXX . Then realized that I did not need to. By XX/XX/XXXX, XXXX had corrected the issue, sent me a refund check and state my balance is XXXX . Yet, XXXX continues to send me bill after bill and when I call them they dispute that the debt is paid. XXXX is aware of this issue, yet nothing is being resolved. 
Can you please help? 
Thank You XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

Oh XX/XX/2024 I received a debt collection notice and invoice from the Debt collection agency Midland Credit Management in the amount of {$710.00} from original Creditor XXXX XXXX. 
The MCM account number for this is : XXXX. 
I am a current victim of identity theft which I have filed an official notice and claim with the Federal Trade Commission which will in turn report this to the local police and government agencies that handle these matters. 
I have numerous fraudulent accounts that have been verified as a result of identity theft once the investigation has been completed. 
This collection attempt is not my debt as I have never owned a XXXX XXXX  credit card in recent years. 
This agency needs to remove this from collection and close this account immediately as I have all the proper documentation to prove my claim and will include along with this complaint and statement. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-06
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants Adjustment Service, Inc. (FL)

I canceled my insurance with XXXX  insurance in a timely manner so I will not be charged. I went with another company. Which is XXXX. I attached documents showing that I had insurance with XXXX. I shouldnt have a debt in collections with XXXX insurance. By law a driver can only have one form of car insurance.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

1 ) Withholding available credit for purchase. I made a payment of {$1500.00} to my citi double cash card on XX/XX/2019. It was posted on my bank account on XX/XX/2019. However, Citibank chose to withhold {$1500.00} from available credit as if XXXX XXXX is a fraud. When I contacted the credit card via chat, I was told the Hold will be removed on XX/XX/XXXX. It is the end of XX/XX/XXXX, the " Hold '' is still there. The total credit limit is {$8000.00}, I have XXXX balance on the credit card with less than {$1800.00} pending purchase, I only have {$460.00} available credit for purchase. there are must be something wrong here. Citi bank only told me it is policy. 
2 ) lack of tools for effective communication. Other banks such as XXXX XXXX, XXXX  XXXX XXXX offering secure message center. I can just send questions about my credit cards and bank accounts, they respond within 24 hours. It is very convenient and effective. At Citi, there is no way for me to send message. I can only view documents at message center. I don't understand why. I used Chat twice, it is not effective. I have to wait 12 minutes to have a customer rep to chat with me. That person did not know much to help.