davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CT)

I opened a TD Bank VISA in XXXX, 2021. I requested a standard, monthly, paper bill be sent to my address. The way credit card companies have done for 40+ years. All was fine. The card worked, I received a monthly account statement, and I paid my bill. 

Then, by XX/XX/2021, after receiving numerous TD VISA email requests to " VIEW '' my account online, I logged on to this account to just " VIEW '' the account. Nothing else, no changes, etc. 

But, without warning ( or ) clear notice this TD VISA logon process ; changed the account setup ; to ONLINE BILLING only, and turned off the monthly, paper bill. 

And guess what? The paper bill ( s ) still kept coming for 3+ months. Very deceptive and tricky, because I had NO IDEA the account was now online billing ONLY. No paper letter clearly explaining this change to WARN the customer of billing impacts to follow. 

Finally, by XX/XX/2021 the paper bills stopped coming, I logged on saw a " LATE FEE '' charge, and was upset as to why there was a LATE FEE. I called TD BANK and the nice service representative said over, and over, and over that I signed up for ONLINE BILLING ONLY in XXXX of 2021. 

Rather than argue with them. I turned paper billing back on. Setup payment. Paid the balance in full, including the deceptive late fee, and decided to share this experience. 

How a credit card company can deceptively TURN OFF paper billing without clearly letting the consumer know is beyond me. In my opinion their clever online software which does this by default ( or ) automatically is illegal and they should be investigated for fraud and punished. 

There are probably thousands of consumers that this practice is happening to, and the VISA companies are just racking up illegal late fees.
Consumer complaint received 2019-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

XXXX XXXX was an apt complex in XXXX, Arizona. I resided in that apt from XXXX and moved out in XXXX of XXXX. I first received a bill for " damages '' that my deposit did not cover and I sent over a payment of {$240.00} on XX/XX/XXXX. About a year later I received another bill roughly in the amount of {$1500.00} for unpaid rent for XXXX of XXXX and for more " damages ''. I than paid another {$300.00} on XX/XX/XXXX only for damages and left the remaining balance to prove my case that I did not owe any past due rent. 

XXXX XXXX claims that I did not pay rent for XX/XX/XXXX and sent my account over to IQ DATA Collection Agency. I sent them a copy of the cashiers check on XX/XX/XXXX showing the amount of {$980.00} made on XX/XX/XXXX from XXXX XXXX XXXX XXXX. It was verified that the check was not cashed until XX/XX/XXXX, which was 4 months later. I have called IQ DATA and spoken with their customer service and with their unit manager XXXX XXXX on numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

My last conversation with XXXX XXXX on XX/XX/XXXX, XXXX had told me that XXXX XXXX is denying the proof that I had submitted, which was the copy of the cashiers check and a verification letter from my bank saying that the check was indeed cashed on XX/XX/XXXX. On the copy of the cashiers check that my bank sent me, was a stamp and a signature of the apartment complex depositing the check into their XXXX XXXX account. 

I have contacted XXXX XXXX Apt complex and they told me to contact XXXX XXXX XXXX. I have also tried a few times to dispute this with XXXX.
Consumer complaint received 2022-05-18
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 2022-05-18
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. (OH)

Noticed an account on my credit report that I did not create or apply for. I was notified by state of OHIO previously that my personal information has been breached. I filed a police report. The account IN QUESTION that I did not open was not showing up on my Experian or other reports at this time. Recently, I noticed the XXXX  account ADRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA PHONE NUMBER XXXX on my EXPERIAN report and immediately notified the Credit reporting agency that this is not my account and I believe it to be a scam and or fraud. The Experian Credit firm has refused to remove this from my report even after submission of several disputes : ID THEFT PO REPORTS, CFPB COMPLAINTS FILED, FTC ID THEFT REPORTS, and several more phone calls to the Credit bureau. I asked EXPERIAN to provide documentation, signatures, proof and they said that they do not do that AND THAT only there back office has that information.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

US CODE 1681 E- COMPLIANCE PROCEDURES B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

MY LEGAL NAME IS - XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT. 

MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE CORRECT ANY ERRORS. 

MY PHONE NUMBER IS ( XXXX ) XXXX PLEASE REMOVE THE ALL OTHER NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE ( XXXX ) XXXX PLEASE REMOVE ANY EMPLOYERS LISTED ON MY CREDIT REPORT THEY ARE NOT MINE. 
XXXX XXXX XXXX XXXX XXXX THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED. 
XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-28
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: Experian Information Solutions Inc. (GA)

I disputed this account twice with the credit bureaus and they came back and stated verified. I have documentation that they verified it. I also have documentation from the creditor indicating that I was never late in XX/XX/2019 since the loan was paid in full on XX/XX/2019. So how can this be verified when the loan was paid on XX/XX/2019, and the month has yet ended? This is a violation of the Fair Credit Reporting Act, reporting inaccurate data on credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2022-05-18
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. (FL)

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing my inaccuracies. 

List the accounts XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX Account number XXXX TransUnion XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX date XX/XX/XXXX DEPT OF ED Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX date XX/XX/XXXX XXXXXXXX Inquiry date XX/XX/XXXX 2020
Consumer complaint received 2019-10-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

My brother has a loan through Freedom Mortgage on a VA type loan- he has recently passed away and when I took over as executor of his estate, and tried to work with Freedom Mortgage to resolve his loan, and be able to receive mailings and correspondence, I was ignored, and no mailing ever went to me, or phone calls to me regarding his loan with Freedom Mortgage. When I found out about the home being foreclosed on, and was never once mailed a letter or had a phone call, I was in total shock. I called Freedom Mortgage immediately, and was told they sent his mail to a PO Box that he was using prior to his death. When I asked why NONE of his mail was being sent to me as requested, I was told, the address they sent it to was the one on file. Despite my requests to have all mail and correspondence sent to me. 
The hose is now in process of being sold, as we have lost hope in keeping the property. Now the mortgage company will not give the title company a payout amount to resolve the title. The mortgage company has done everything they can to foreclose on this home, and has made no effort, or action to work with me in any manner to resolve the loan, or allow the title company to resolve the payout amount. 
The mortgage company has- Death Certificate of my brother, my ID, court documents with me as executor, and the my address to where to send mailing, and still never once contacted me regarding his account. Who were they working with on this foreclosure?
Consumer complaint received 2024-03-12
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights. 

XXXX BANK XX/XX/2024 15 U.S. Code 1681e - Compliance procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I am writing to bring to your attention a discrepancy I identified upon reviewing my consumer report, specifically pertaining to XXXX instances of reported late payments on an account where I have consistently maintained a timely payment history. 

Recognizing the pivotal role that consumer reporting agencies play in maintaining the integrity of individuals ' credit histories, I hold a high regard the responsibility to ensure accurate and precise reporting. It is imperative that consumer information is reported with the utmost accuracy to preserve the integrity of credit profiles. 
upon thorough examination, I have ascertained that the reported late payments are inaccurate, as I have consistently upheld the terms of my financial agreements by remitting payments in a timely manner. Consequently, I kindly request the expeditious correction of these inaccuracies, with the appropriate adjustment to reflect the accurate status of " paid as agreed on time ''. If not please provide proof with statements that these payments have not been paid on time. If proof can not be provided I demand these payments be updated to paid as agreed. 

To Facilitate this process, I have attached a screenshot. I appreciate your prompt attention to this matter and trust that the necessary steps will be taken to rectify the inaccuracies promptly. 

Also please investigate the inaccuracies that has been reported differently between the credit bureaus XXXX, Equifax XXXX XXXX should all have similar and accurate information. Thank You
Consumer complaint received 2022-05-18
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

I am resolving the issue because I am financially savvy and stay on top of my finances, but I think about the individuals who are not and it shocks me this is happening in 2021. I have a Raymour and Flanagan credit card with deffered interest through TD Bank with different dates that expire for different purchases. 

I have made a number of additional payments to avoid the deffered interest for the purchase that expires in XX/XX/XXXX and it is not applied to that balance but the one that expires in 3 years. You can not make a payment on their website directly to the deferred balance that expires in the near future, you have to call. 

The hoops to jump through are significant and done by design in my opinion.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. 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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 2022-12-16
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. (MD)

There are multiple fraudulent accounts and inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent accounts and inquiries and for assistance to remove these fraudulent accounts and inquiries from my credit report immediately.
Consumer complaint received 2019-07-28
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. (LA)

I have sent multiple request that accounts on my credit report be verified because these accounts were never opened by myself and aren't mine. Also, XXXX has several late payments posted which caused my score to drop 135 points and I have 100 % on time payment history and no accounts in bad standing. I HATE XXXX!!! Under the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX system.
Consumer complaint received 2019-01-26
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: Herbert P. Sears Co., Inc. (CA)

XXXX  has been non-compliant with removing the unverified account H P SEARS CO, INC Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that H P SEARS CO, INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.