davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
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. (ID)

I disputed a " XXXX late payment '' XXXX reported XXXX Equifax and XXXX. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called XXXX XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, XXXX is has reported a XXXX late payment on my credit reports. I first called XXXX and they said to simply file a dispute with Equifax and XXXX. I filed a dispute with both companies by giving my account of the lease. Equifax and XXXX sent the information to XXXX and XXXX denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, XXXX late payment reporting from XXXX and XXXX the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the XXXX of Idaho. XXXX was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called XXXX XXXX XXXX and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent credit score and XXXX 's XXXX late reporting dropped my credit score by XXXX points on XXXX XXXX, XXXX. This is the only negative item on my credit report.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I disputed a " 60-day late payment '' XXXX reported to XXXX and Transunion. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called XXXX XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, XXXX is has reported a 60-day late payment on my credit reports. I first called XXXX and they said to simply file a dispute with XXXX and Transunion. I filed a dispute with both companies by giving my account of the lease. XXXX and Transunion sent the information to XXXX and XXXX denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, 60-day late payment reporting from XXXX and attached the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the State of Idaho. XXXX was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called XXXX XXXX XXXX and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent XXXX XXXX and XXXXXXXX XXXX 60-day late reporting dropped my credit score by XXXX  points on XXXX XXXX, XXXX. This is the only negative item on my credit report.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (GA)

XX/XX/2019 was the bill datr. company Medical Revenue Services amount {$1600.00}. I paid the collections agency off with the promise it would notify the credit companies that the debit has been paid and the account is closed. Well that didn't happen and some credit companies show as current which is false. It is paid in full and there should not be anything still open or current. I am not doing any business with this company and my credit file needs to reflect that information.
Consumer complaint received 2022-01-24
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. (IL)

I filed a dispute with Equifax and XXXX beginning XX/XX/XXXX. I mailed out dispute letters XX/XX/XXXX concerning a XXXX card debt, XXXX card debt and XXXX XXXX debt. I mailed out letters via certified mail but never received a response back from either Equifax or XXXX. I called both companies earlier this month to ask about these accounts that are not mine and they told me over the phone that the accounts had been verified by the creditors. So I asked XXXX why didn't receive a returned signature receipt from my certified letter or even a response letter about the dispute? They told me that they sent the update to my email on my XXXX account. I told them I don't have a XXXX  account and I specifically requested that my response be sent via mail to my home address anyways. They still refused to send it out. I also spoke with Equifax and they said that it was verified and they don't know why the dispute response letter hadn't been sent out yet and that they would send it out in 3-5 days. So on XX/XX/XXXX I sent out another certified mail dispute to both Equifax and XXXX and stiill have not gotten a return receipt signature from either company. After 10 days of return receipt signature this should be deemed a no response from both of these bureaus. I didn't have these issues with XXXX as they complied and removed all fraudulent accounts off their report. Equifax and XXXX are not in compliance with Metro-2 as I also stated in my dispute letters. Their failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with these bureaus for the purpose of filing a complaint with the FTC should they continue in non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), they may be liable for their willful non-compliance. I have phone recordings and receipts of each certified letter sent out and I am hoping to solve this issue before I have to take further legal action.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/2021, I went to the Fifth Third Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX to open a checking account. I had an invitation code that gives me a {$250.00} welcome bonus. XXXX XXXX, the banker who opened the account for me, didn't use my invitation code and stated that she already has this offer in the system and will apply it to my account. 

When I went back home, I realized that she signed me up for the {$150.00} welcome bonus instead of the {$250.00} so I went back to the bank and this time I met with XXXX XXXX, the branch manager, he asked me to email him the invitation code, which I did. He reassured me that he will manually add the additional {$100.00} after I meet the requirements. 

On XX/XX/2021, I received an email from XXXX XXXX saying ; I am reaching out to inform you that we have submitted the adjustment for your {$250.00} bonus offer and it will be credited to your account after processing. 

On XX/XX/2021, only a {$150.00} bonus was posted to my account. On XX/XX/2021, I emailed XXXX XXXX to inquire about the additional {$100.00}. On XX/XX/2021 She replied ; I have been working on getting the other half of your bonus. I was told to submit another form for the correction and then you should see your {$100.00} in your account. 

It has been 6 weeks since the {$150.00} bonus posted to my account and I still didnt receive the additional {$100.00}.
Consumer complaint received 2022-01-24
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)

After reviewing my credit report I see the below information still in there, that makes me more upset. I never granted your company the right to report against me under the Fair Debt Collection Practices Act 15 USC Section 1692 that was abusive practices. I was a victim of invasion of my privacy.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX.D.O.B. XX/XX/XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXXPhone number : XXXXEmail : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XX/XX/XXXXXX/XX/XXXX. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you XXXX XXXX
Consumer complaint received 2015-04-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD bank refuses to return my money, with adequate response, after a claim was submitted. XXXX scammed me out of my money and the bank refuses to return it. I ca n't eat and that money is federal and they do n't allow me to use it the way ti was given t me. Food, clothing, and shelter. XXXX number is XXXX. XXXX XXXX. Wo n't give me my money for the amount of {$580.00} dollars which was given in response to a loan which I was to receive. And I received nothing with a amortization of XXXX dollars a month. The police refuse to help and the money is federal from XXXX and I ca n't eat or sleep. Because they refuse to pay. I have insurance from XXXX XXXX XXXX and XXXX with XXXX XXXX I ca n't get any reciprocity in court.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

This is following up. 
CFPB closed the account when US bank replied ( they did not address my concern and refund me my money. 

I closed on XX/XX/2023. They did not send me money, I called again and again. 
Now I made XXXX calling and XXXX local visit. XXXX agents over phones said they did not mail the check out at all. XXXX agents said that the check was missed during mailing. 
The first agent said he will replace without any other condition since he cancelled the check. As today they did not mail the check. 
Then they asked me to sign declaration of loss, I did it on XX/XX/2023 and faxed to them on XX/XX/2023 and mailed a hard copy. They did not reply me until I filled with XXXX 
On XX/XX/2023 they asked me to fill the declaration again, since they dislike the first one. Why they need it if they have cancelled the check. 
I now checked other banks, most do not need the declaration loss. 
Even need other banks just ask to sign, most will not ask to do notary public which will waste my time, since most banks need an appointment to do that. 
Also, most banks will have first choice 1 ) I did not receive the check That is what happened to me. 
US bank asked me to sign a declaration loss without the above statement But ask me to sign XXXX ) The check was destroyed -2 ) I lost.. 
XXXX ) was stolen However I did not receive the check at all, and I received ads a letters from US bank currently. US bank lost it or XXXX office lost it. 
US bank forced me to sign something that I did not do at all or I do not know at all. 
Since XXXX agents told over phone that they did not send out. 
However they have cancelled out the check, why need me to sign the above paperwork that I did not know. 
So US bank need send me check ASSP + interest without any paperwork as XXXX XXXX or XXXX. 
When I signed my declaration loss, XXXX asked me to add " I did not receive the check '' that is the fact.
Consumer complaint received 2022-01-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I sent a dispute to Equifax about the following accounts ; XXXX XXXX Bankruptcy ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  ( Date opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX ( Date opened XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$740.00} ), XXXX XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$980.00} ), XXXX  ( Date opened : XX/XX/XXXX, Balance : {$960.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ).
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

XXXX XXXX. XXXX : XXXX XXXX XXXX, XXXX, Va, XXXX number : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XXXX XXXX Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you XXXX XXXX
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (WI)

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 3 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XXXX, 2020, and XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.
Consumer complaint received 2018-12-23
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. (MD)

I was notified that a class action was filed against XXXX and I was member of that action ( XXXX and XXXX vs XXXX ). As part of that settlement I was offered a three yr credit monitoring service with daily access to reports and a score. 

The letter provides a activation code to be used on the XXXX  site owned by XXXX. There is no place anywhere on that site for current members to provide a activation code. I also tried deleting my account and signing up a new account but again there is no place to provide such a code. 

Going to the website XXXX XXXX XXXX provides a field to enter a activate code but results in a error message.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I urgently appeal to you to swiftly eliminate the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please rectify this error promptly.
Consumer complaint received 2022-01-25
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. (PA)

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2022-01-25
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. (TX)

I have been a victim of mistaken identity. My father and I have the same name and there are many of his accounts on my credit report. After 45 days, I have pulled my credit reports from two of the credit reporting bureaus Experian, XXXX and these accounts that do not belong to me have not been removed from my credit reports. 
Experian accounts to be removed : XXXX acct:XXXXXXXX Date opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID No Close date ; Reporting 7 derogatory late payments XXXX acctXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID NO CLOSE DATE ; Reporting 5 derogatory late payments XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX NO CLOSE DATE ; ACCOUNT STATUS : CLOSED Reporting 1 derogatory late payment DIVERSIFIED CREDIT SYS acctXXXX ; date opened : XX/XX/XXXX NO CLOSE DATE ; Account status : closed XXXX account to be removed : No account name listed Acct : XXXX date opened:XXXX No Close Date ; Reporting 19 derogatory late payments No account name listed; acct : XXXX Date opened : XX/XX/XXXX ; account status : closed I am also including a copy of my drivers license and proof of address and current credit reports showing the above information.
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (GA)

On XX/XX/2021, I received a letter from Synovus, stating that my personal credit card payment for {$22.00} was returned for No/Unable to locate account. This was probably the third time I had tried making the {$22.00} payment, which was the only thing I owed on the card. I had attempted making my payment at least twice online from my checking account, which I also have with Columbus Bank & Trust/Snynovus to no avail. A received at least one additional letter which stated my other payment attempts online, and one attempt through their customer service ( phone ), were all rejected. I couldnt understand why, considering I had close to {$5000.00} in their bank at the time, the same bank who owns my credit card. The last letter I received stated my account was closed. I once again called the customer service line and read off the routing number and account number straight from my checkbook, to ensure that the payment would go through. Like the first time I called, I was told the payment would post in 3-5 buisness days. I also sent an online message on XXXX XX/XX/2021 explaining the aforementioned and received a reply from XXXX XXXX, from Synovus Customer Care, who referred me to XXXX XXXX, which I contacted, however they told me to contact the bank instead. I felt like I was being bounced around, and was frustrated, considering I obviously had no problem paying the {$22.00}, but for the life of me, I couldnt get anyone to take my money! As my last ditch effort, I once again contacted Synovus on XXXX XX/XX/2021 and explained the aforementioned. I have not heard from anyone, as of today ; XXXX XX/XX/2021. I did however, notice that my credit scores in XXXX, which Ive had above XXXX pts for years, dropped from XXXX to XXXX based on Synovus Cards services input, which I find very unfair. Im asking for the bank/credit card service to please consider my stellar credit history, and my numerous attempts in paying the {$22.00}. I ask that this derogatory entry on my credit report be withdrawn, hence my original credit score of XXXX reinstated. Thank you. XXXX XXXX ( XXXX ) XXXX-XXXX. XXXX XXXX