davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
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. (TX)

I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, Experian is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX  XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (NC)

I believe XX/XX/2017 I started paying {$XXXX} monthly to this company for student loans which was supposed to be a public safety loan forgiveness program since I am in public safety. I have been over 2 years now which adds up just over {$1000.00}. I have been trying to straighten out my student loans and come to realize this company is fraud. I also see several other people have complaints against this company as well. I found this company through a family friend who thought it was credible. I notified my bank to not allow them to take anymore money out of my account from this point forward. I still have emails and text messages from them since day 1. I was advised to just cut ties with them and not attempt to call them when I was talking to XXXX and they also said that this company had an incorrect and low income amount for me and that I had a household of 2 which is also incorrect. They just emailed me to re-certify again through them which led me to cancel them. Just about all contact with them were via email. I am not sure what to do now and I hope this complain will resolve things with this fraud. I would hope to get some money back that I assume is just lost now but any help will be appreciated.
Consumer complaint received 2018-08-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (CA)

Over the past few weeks i have been getting calls at my workplace from a company called " Convergent ''. its only a machine with a call back number then it hangs up. The call comes in usually around XXXX XXXX. on XX/XX/18 at XXXX i called the number that was provided by the automated call and asked them to stop calling my employer. they took the last 4 numbers of my work phone number down that i asked them not to call then hung up on me. on XX/XX/18 at XXXX the call came through my employer again so i called the number on the caller i.d . and not the one provided by the automated call in hopes this would solve the issue. i again asked them not to call my work and they took the whole phone number down and said they will put a note on my account to not use my work number then again hung up on me. this morning, XX/XX/18, at XXXX i got a call in my office from this same company. these calls have become harassing and is putting my employment at risk.
Consumer complaint received 2018-09-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cawley & Bergmann, LLP (OH)

The XXXX XXXX card was opened last year XX/XX/2017, i am not making enough money to pay them at once or more than {$100.00} a month, they are saying that they will file a law suit against me, please help
Consumer complaint received 2018-09-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I had a money market account with First Citizens Bank for over 14 years. This year I decided to move my money to an online account that paid a MUCH higher interest rate.

First Citizens was paying 0.05 %. The online bank was paying 1.85 %. I transfered money from First Citizens to XXXX XXXX in three separate transactions between XX/XX/XXXX and XX/XX/XXXX. XXXX had charged me {$3.00} per image fee so I left {$570.00} in the XXXX account to make sure I didn't close it owing them any money.

I opened my XX/XX/XXXX/XX/XX/XXXX bank statement. On an average balance of over {$31000.00}, they paid me {$1.00} interest. THEN they subtracted {$3.00} for what they called an image fee AND another {$10.00} service fee because my balance was now {$570.00}. This was the straw that broke the camel 's back and I went online and was told could close the account online. This was after bank hours either XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I was told to expect a check in about a week. On or about XX/XX/XXXX I called XXXX XXXX   and was told by a male employee ( did not get his name - was a very short XXXX  syllable name ) who said the account had been closed and to expect a check soon. I waited about a week and called the bank back. I was told this person no longer handled matters like this. I asked to speak to a bank manager who was no help. I looked online and found the home office - which I called. Again I was told the account had been closed and that the check was on its way. Again - no check. I called the home office again and spoke to XXXX  who said the account was just closed on XX/XX/XXXX and the check was mailed on XX/XX/XXXX and that I need to give it 7 to 10 business days to get here. XXXX said the information she gave me came from XXXX. A few days later - not being so trusting anymore - I called the home office again and spoke to XXXX who also said the account was closed on XX/XX/XXXX. Now at last, I was getting the same story twice in a row.

Now - I get my XX/XX/XXXX/XX/XX/XXXX statement. My account is now closed. It was closed before XX/XX/XXXX. There is a copy of a check made out to me in the amount of {$570.00} included in this statement. The date on this check is XX/XX/XXXX But how can this be? I was told the account wasn't closed until XX/XX/XXXX That was 45 days ago. I need your help - someone is giving me the run-around or so it would seem. Thank you for your help in advance.
Consumer complaint received 2018-09-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

Several months ago, I was deluged with phone calls from a company called XXXX as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified XXXX  as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from XXXX  representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.
Consumer complaint received 2018-08-23
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: TD BANK US HOLDING COMPANY (NY)

I have A TD Bank on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and TD Bank to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be inaccurate. 

.
Consumer complaint received 2018-09-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NC)

XX/XX/18 I contact my XXXX XXXX account customer service dept because during the week prior I had transferred funds from my investment account into the cash account but those funds were not there. Rep instructed me to pay out of pocket and go home, get a confirmation number off my computer and call him back with it. Confirmation number didn't exist and was no where in my email or on anything I could access. 

XX/XX/18 Contact XXXX customer service again, funds still not available. Rep was very dismissive. Said he wasnt sure what my problem had been but he was able to complete the transfer. I should see it in 3-5 business days. 

XX/XX/18 Money still not there. I call again, and the rep ( XXXX I believe ) explains he's not seen this happen before but there is a pending transfer and he can't tell why it hasn't been completed. He takes my phone number and says he'll call me back when it is straightened out. 

XX/XX/18 XXXX finally calls back. I miss the call, call back and speak to another rep. She says it's been resolved and should be able to make the transfer online now. I'm concerned because I was told this before and it didn't work. I wasn't near my laptop and couldnt verify. Also irritated that I'm still waiting for my money and ask to speak to her supervisor. XXXX assures me it has been corrected and says she'll email the brokerage side and see if they can rush the transfer for me. I ask to be copied on the email and she refuses to do that. She tells me she will call me back with an answer later. She does call back, but leaves no explanation on my voicemail and I'm at work ( which I told her I would be and she should leave a message. ) Says she'll be gone in another 1/2 hour so I dont have time to return the call. I finally get to my laptop and try to make the transfer myself AGAIN and the online interface tells me it has not been scheduled. 

There are consequences for people like me when I don't have access to my money. I've been more than patient.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

looking into my credit report I am interested in processing disputes on all inaccurate information on my credit report with transunion. none of the information listed is correct please remove all data to help clear my file asap.
Consumer complaint received 2019-05-06
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. (FL)

Following a review of my credit report at the XXXX, Experian and XXXX   consumer reporting agencies, I determined that said reports contained a XXXX  XXXX XXXX mortgage loan - under account number XXXX - that was closed more than seven years ago. I initially disputed the account as antiquated to no result. Not only did XXXX XXXX XXXX ignore and reject my complaint, they did not respond to my complaint at the credit reporting agencies. 

I filed separate disputes to XXXX, Experian and XXXX. Each dispute was summarily rejected as frivolous. The negative and antiquated XXXX XXXX XXXX account remains on my credit report.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX  XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2018-09-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

I started a lease with GM Financial. I put the lease payment on auto-pay so i can avoid late fees which is the reason for auto pay. It turned out it was only good for 6 months which is something i never heard before, and the representative i spoke with never mentioned that either. When the 6 months passed i was not reminded in any way that the auto pay is no longer there and my account was late for three months. I never got a single phone call from this financial company telling me that my account is past due and asking me why am i not making payments. My credit was perfect before i started the lease with this company and i had 100 % payment history ( i have 3 cars under my name and none of them ever gave me a single problem except for this one ). Also it shows different amount for the payment online and different amount on my paper bill. then i called them they didn't want to help me to remove the late payment that went on my score because of their system and told me it was my fault. i made the payments with the representative and then went and created a new auto-pay for another 6 months. Now I get another late payment on my credit score and my account is on auto-pay. So i do not know what the problem is with their system but because of them i have 4 late payments on my credit history which is bothering my business and my whole life because i get rejected from everywhere I apply. the amount is very little it is only {$140.00} dollars and some change ( which is really no problem for me to pay on time ) I have a lot bigger bills and I am always on time but because of their confusing system i have multiple late payments on my score.
Consumer complaint received 2019-05-06
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2019 a fraudulent inquiry for credit with XXXX XXXX XXXX XXXX was made on my Experian credit file. I've tried to resolve this issue 3 times with the credit bureau but have not been successful.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NY)

My wife and I went to purchase furniture, when it came time to checkout we applied for a credit line to pay for the items. When some of the items were delivered they were damaged we were also missing some of the items we purchased. They billed us for everything. We ended up not keeping any of the furniture, I have made many attempts to resolve this matter with them yet we haven't gotten anywhere other then them showing a XXXX  balance. I should never have been billed in the first place.
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

My mortgage was sold to a new company, I was notified via a letter dated XX/XX/2018. In the letter it stated in order to set up electronic payments, as I was currently making to my old mortgage company " XXXX XXXX XXXX '' as I had since the loans inception, the new company CMS ( Carrington Mortgage Services ) states it would cost a {$5.00} fee unless prohibited by law. I called the CMS customer service number on Friday XX/XX/18 and explained that I could not access my account using their provided loan number. They explained the account was not fully set up and I would have a 60 day grace period whereas there would be no late fees charged. I then explained I had never had to pay any charges to pay electronically and this option was needed for me since I travel for work and need the ability to pay this way. They said there were other methods available and I could use them instead of paying what they call a convenience fee of {$5.00}. Other options : I could pay a {$10.00} fee and use XXXX XXXX or I could purchase stamps and mail payments when able to ( I'm not always near a post office ). Another option ( which is free ) is I could set up automatic withdrawals from my bank account. I am not comfortable with this method. 
As I see it, if an existing loan was sold, it should be sold with the same conditions that exist with the old loan. The customer should not have to pay additional fees for features that were already there. As far as convenience goes, it is more work for the bank to open a letter and then input the information in a computer than it would be if I paid electronically, the information would already be in the computer system. 
Another problem is CMS wants to increase my payments so they can have a larger escrow balance. Why? 
In conclusion what I'm looking for is the same terms that were in place with the old mortgage company. Please help. Is this legal and what are my options?
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

There recently appeared a collection account from XXXX XXXX XXXX on my credit reports that has the wrong name, dates, address, city, and the three credit bureaus put it on my report anyway! I want this removed immediately!!!
Consumer complaint received 2019-05-06
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: SUNTRUST BANKS, INC. (FL)

I had my identity stolen in XX/XX/XXXX. The thieves opened 2 credit line accounts with SunTrust bank. I found out in XX/XX/XXXX. Had a police report made and notified the the 3 Credit Bureaus. All of them is such a difficult thing to get help. almost impossible. The websites aren't clear as to what to do. The numbers they provide are not right, as they are automated and no way to speak to a person. In special with XXXX, I filed a dispute, notified them of the identity theft back in XX/XX/XXXX, printed a report with the information and as of today, XX/XX/XXXX my credit is still showing the derogatory information. 
It is absurd what a person has to go through after being victimized by thieves. Something needs to be done about these companies. XXXX XXXX is the same thing. I notified the 3 of the fraud, yet, I had to spend the day talking to them.