davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
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. (GA)

On XX/XX/2020 I paid off my account/personal student loan to XXXX. The payment was sent via my real estate attorney, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. To this day, Monday, XX/XX/XXXX, the account still shows open with an outstanding balance on my Equifax report only.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I successfully got my credit report from XXXX and XXXX online via the website XXXX yesterday XX/XX/XXXX. However I could not get my credit report from Experian. I kept getting an error webpage ( see screenshot attached ). 

So I called the number given on the Experian website, XXXX, but their automated phone menu has bugs/errors and it could not complete my request. The number they give there is XXXX XXXX 

I did not send in a request form by mail because it required that I include my Social Security Number, which I did not want to put in postal mail. I decided to file this complaint instead.
Consumer complaint received 2019-09-14
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. (CA)

On XX/XX/XXXX, I received a credit card in the mail which I did not request, prompting me to check my credit report on XXXX which lead to discoveries of fraudulent accounts. I began registering with credit bureaus to put a freeze on my reports. I was successful in creating accounts on XXXX and XXXX and freezing, however, I was unable to register an account on Experian. I called their line to resolve the issue and after talking with an agent, I discovered that the identity thief had registered with Experian before I could completely usurping the experian account. I am having difficult time solving this issue as Experian representatives seem to have zero jurisdiction in resolving this.
Consumer complaint received 2019-09-13
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. (MO)

The following account was obviously opened up fraudulently because it is not mines nor do I have a contract with the following company, ( 1 ) XXXX   {$550.00}, XXXX {$550.00}, please remove from my credit file
Consumer complaint received 2019-09-13
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. (MO)

The following account was obviously opened up fraudulently because it is not mines nor do I have a contract with the following company, ( 1 ) XXXX {$550.00}, XXXX {$550.00}, please remove from my credit file
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hi this incident was happen when I was trying to wiring money from my checking account from Bank Of America to the closing attorney office amount of {$8000.00} for closing on a property. 
After, I was done wiring the money and I call attorney office who prepared the document for closing on my property in a bout five minutes later and they said they did not see money pending on their account and I was waiting another 5 minutes and call the closing attorney office again and they still did not see the fund came through at that time a lady from the attorney who was prepared for closing on this property for me told me to go right back in the Bank of America to cancel the wiring process and they were able to stop that wiring transition at that time we found out that the money went to the account of some one name XXXX XXXX XXXX who have account in XXXX XXXX XXXX at address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX us and this was not the account we expected our money going into and I called to report the fraud on that wiring to the Bank of America at XXXX and they were able to stopped transection and had the the case # XXXX on this incident, and I ask a lady who perform the wiring for that when can I get my money back in my account and she told me it should take 24-48 hours and more then 48 hours went back to the bank of America to let them know I still did not have the refund from that wiring and bank of america told me that XXXX needed Hold harmless letter from me and I did as they instructed me to do to the hold harmless letter to : XXXX ( incident report department ) XXXX XXXX XXXX XXXX XXXX TX XXXX and also fax that letter to XXXX XXXX ( ref : XXXX ) as they instructed, more than tree weeks later and I have been going back and forth between Bank of America and XXXX and I have been calling XXXX XXXX ( BOA ) and XXXX XXXX ( XXXX ) and I got no help and they told me they can not even talk me direct on this mater and this is my money and they can not talk to me about this when I try to check on status of my money I am very frustrated at this point and needed help desperately. 
thanks
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CA)

XXXX The Vehicle was voluntarily surrendered as it was deemed to have been a hazard on the road XXXX. The lender took several months to come and pick up the vehicle in which I was handed the document of their receipt of the vehicle. I was advised that once they closed their records they would be forwarding me the final balance owed. Since the reported date of XX/XX/2021 This action never took place instead they kept the full balance on my credit, I was notified by California XXXX that the title of the vehicle was released after I had to send an email showing that I was no longer in possession. I tried contacting the XXXX XXXX XXXX to find out what the final balances were and was told that they would send all of that information once they had closed the record and updated the amount after Auction. This was never done and now over two years later they are refusing to update the balances owed. Also never received collection calls regarding this debt to date. When calling them they don't show my records either. This is affecting me being able to obtain housing as the credit line item states that I owe {$18000.00} which was the amount I had left to the entire loan term, and several requests have been sent for them to correct there records and they all have gone unanswered and I have had 4 dispute attempts with the three credit bureaus. Still no change.
Consumer complaint received 2018-05-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Credit Bureau, Inc. (GA)

TO WHOM IT MAY CONCERN I AM WRITING IN REGARDS TO THE UNAUTHORIZED AND INACCURATE CREDIT OR REALESTATE DEBT THAT IS REPORTING ON MY XXXX  CREDIT REPORT AND I WOULD LIKE FOR THE INACCURATE AND UNAUTHORIZED ACCOUNT TO BE REMOVED FROM MYXXXX CREDIT PROFILE
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (PA)

I received a letter from Mohela stating that my student loans have been forgiven, as well as notification from XXXX, since XX/XX/year>. The balance on my credit report says XXXX, but it's open and affecting my ability to purchase a home. I've filed a dispute which they said was settled, but my credit report still says open!
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Service Finance Holdings, LLC (NC)

Service Finance Company is unreachable by either of 2 tel XXXX Or XXXX I give them my Acct XXXX Then give last 4 of SS Then they say they can not find account. 

I tried XXXX  for operator but they simply repeat same useless procedures. 

I want to confirm the day and address that full payment is required before any interest is incurred. 

XXXX XXXX XXXX
Consumer complaint received 2019-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY (PA)

I applied for a loan with TD Bank and was approved at an interest rate of 14.9 percent. I current have a loan with them at 10.99 which is getting paid off with my new loan. I asked why the interest rate would be higher and was told its because my credit score is XXXX. I asked where they get their scores from and was told they pull from XXXX. I actually have an account with XXXX so I pulled my score directly from them which is a XXXX. I sent this to TD bank and was first told this was probably a XXXX XXXX score. I advised them to look at my email again and they will see it came directly from XXXX. At this point I was told they use a module system which had me scored at XXXX. I explained that this odd to me that they claim to use scores directly from the credit bureau but now they are telling me about this module system. As a long time customer of the bank who has always paid my accounts on time without issue, I find it highly concerning and deceptive to alter credit scores that come directly from the credit bureau
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

After reviewing my c edit report i found two fraudulent sddreseslistedwhich in turn had fraudulent accounts listed. I notified all yhree bureaus and requested thry be removed from my report as they are fraudulent and not mine. They have taken no action and still list the adressesfrom XXXXXXXX and XXXX XXXX on my repor causing me harm. Likewise they also refuse to remove unauthorizedaccess and pulls/hitsto mappear on my record. I did not authorize these.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I had canceled a previous insurance policy to get a new and updated policy. I was told that I would get a new policy with a new payment and that the old policy would be canceled along with the remaining balance. I received no phone call or letter informing me of the matter.
Consumer complaint received 2018-12-26
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: EQUIFAX, INC. (NC)

This letter is to request the CRA to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : 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. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, 328 F.3d 132, 139 ( 4th Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XXXX ).
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

Experian is failing to report one of my accounts on my credit file. My XXXX credit card should be reflected on my credit file, however Experian has failed to report this card since XX/XX/XXXX. Details regarding this account are below : In XX/XX/XXXX I became aware of 3 fraudulent charges that were made in XX/XX/XXXX on my credit card. Upon discovery I notified XXXX to dispute the charges, and filed reports with the Maryland State Police ( MSP ) and the Federal Trade Commission ( FTC ) for identity theft. I then also notified Experian of the fact that I was a victim of identity theft and requested that that Experian 1 ) Place an extended 7 year fraud alert on my credit file, and 2 ) Send me a copy of my credit report. A copy of this letter ( dated XX/XX/XXXX ) is attached. 

In XX/XX/XXXX I received a letter back from Experian informing me that they had applied the extended fraud alert to my file, as well as removed the affected credit card from my credit file. I had never requested Experian to remove the account from my file, as the card was, and still is, a legitimate card in good standing. Experian appears to be unable to distinguish the difference between a legitimate account with fraudulent charges, and a wholly fraudulent account. 

Since XX/XX/XXXX I have continually engaged with Experian in an attempt to have my account restored to my credit file. I have sent 5 letters to, and placed numerous calls with, Experian ; however they have refused to restore this account to my file. I have also engaged with the issuer of the credit card ( XXXX XXXX, and had them submit multiple reinstatement requests and letters to Experian stating that the account is open, current, in good standing, and should be reporting as a part of my credit file. A copy of one of these letters from XXXX ( dated XX/XX/XXXX ) is attached. 

In response to many of my requests, including my last correspondence in XX/XX/XXXX, Experian has informed me that other items disputed are not currently displaying on your personal credit report, see attached letter to Experian ( dated XX/XX/XXXX ) and their response ( dated XX/XX/XXXX, 1st page only ). Apparently Experian can not figure out that I am disputing the fact that the account is not displaying. 

I do not know how else to have Experian restore this account to my credit file, I have requested numerous times via letter and phone call to have it restored, had the account issuer submit a reinstatement request and tell Experian that the account is legitimate and in good standing and should be reported. I am now filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) in hopes that it will finally resolve this 2 year problem with Experian.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bureau of Accounts Control (NY)

BUREAU OF ACCOUNTS COLLECTION IS COMING UP ON MY CREDIT REPORT LAST SHOWING REPORTED XX/XX/2022. THIS COMPANY IS A DEBT COLLECTION AGENCY FOR A DOCTORS OFFICE. THIS DOCTORS OFFICE FRAUDELENTLY RAN MY CREDIT CARD AND REFUSED TO BILL MY INSURANCE COVERAGE FOR SERVICES RENDERED. THE BALANCE SHOWING ON MY CREDIT REPORT IS INACCURATE. I HAVE TRIED CALLING THIS COMPANY SEVERAL TIMES AND THEY REFUSE TO GET BACK TO ME, REFUSE TO UPDATE THE ACCOUNT BALANCE AND MOST IMPORTANTLY THIS IS A MEDICAL CLAIM THAT SHOULD HAVE WENT THROUGH INSURANCE.
Consumer complaint received 2022-04-26
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. (OH)

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; 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 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 2022-03-18
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. (VA)

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 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (VA)

This is a new complaint against TD Bank. The issue of discrimination was not addressed by the bank in my prior complaint # XXXX. 
My husband and I applied for a refinance of our primary mortgage in XXXX/2020. The process was delayed, communication was poor and multiple requests for the same information was used to delay the processing of our application. Given my field of work, I was able to respond within 24 hrs for all requests. However, this process was significantly delayed and TD Bank purposely allowed the rate lock to expire by not handling our account expeditiously. There are many documented emails to this effect. This delay was purposeful and we are highly qualified applicants who indicated that we are XXXX. This discriminatory practice should be sanctioned. The only outreach from TD Bank regarding this situation was after the above complaint was filed, conspicuously the day the complaint reached the company.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (RI)

Ive contacted the company and tried asking them to report the correct payment to the credit bureaus but I have no success. Some how it says I owe $ XXXX when I have the real actual pay down to $ XXXX? Im not understanding why this occurred.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX I went to an ATM at Bank of America in XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX to deposit {$1000.00} into my checking account. The machine took a while and after that while, it said that it recognized {$1000.00} out of the {$1000.00}. It then asked me how much did I insert, I then told the atm, {$1000.00}. It started to count the money once again and said, we are unable to process your request and can not return your items. I then called the number and they told me to wait 30 days for a solution. I need this money for rent and bills and now Im on the verge of eviction
Consumer complaint received 2022-07-09
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. (MA)

On XX/XX/2022, I sent a letter to Experian requesting that they validate and verify the accounts listed in the attachment. After review all 3 major credit reports I have established that the information for this accounts are inaccurate and inconsistent with each credit reporting agency. 

Experian will provide me with thorough details of the investigation of each account. Contact name, contact telephone numbers, written details etc. All pertinent information must be received within 30 days, Electronic responses will not be accepted.
Consumer complaint received 2019-09-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

This company I took at XXXX loan with and I have paid them back XXXX starting in XXXX. 
They said I had a payment that did not go thru and I requested the information with no response from them and then they reported 30days late dinging my credit. I also already res submitted. This is not even an installment loan this is loan shark loan. 

I asked them for statement and they did not respond nor have they ever sent me a statement. 
and pay off and they never responded to that either. 

The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. 
This complaint is going to CA DOJ  as well and this predatory loan I am XXXX they are just stealing money and ruining credit. 

I have filed complaint /dispute with XXXX as well. I belive this is XXXX going by a different name
Consumer complaint received 2018-06-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I am going to make this short and sweet as I dont have much time. It would be much easier to speak with my husband or I about the situation as we are extremely busy trying to complete all of the tasks needed to get back into our home over 9 months post Harvey. We lost our home and the entire contents in Harvey ; left with a few clothing items and essentially have started our lives over. We have XXXX children ; ages XXXX, XXXX, XXXX and XXXX and both work in the XXXX XXXX field as XXXX XXXX. We do okay financially but definitely are not living extravagant lives. All of our money is going towards getting back into our home and will be for the next couple of years. We received FEMA full assistance among a few other small donations but when you sum up the amount lost, havent even come close to meeting the amount needed as we did not have flood insurance. Everything was moving along ; our mortgage company, XXXX was super understanding and did not require us to make payments on a home we werent living in for 6 months +! My husband had almost gotten everything in required for an SBA loan ; we were even going to be able to get an amount enough to cover not only our home repairs ( well over {$100000.00} ), but also add in our existing mortgage. All of a sudden we begin receiving paperwork from another mortgage company ( freedom mortgage ) stating that they had taken over our loan and we were IN DEFAULT! We began frantically trying to understand and fix the situation when all of a sudden on the day that we were supposed to close on our SBA loan, we were informed by the loan officer we had been working with that we were not eligible for the SBA loan due to being in default! Our SBA case manager has known from the beginning what was going on and said nothing. We were never in default until 3 weeks ago! We have now had to redo the application process among other things and to top it all off had to immediately come up with over {$11000.00} to get our mortgage that we were never told was in default current! We have no money left to pay for our home repairs and havent even begun to purchase furniture and are now stuck waiting hoping that this while SBA loan will work out. All of the things the disaster recovery assistance programs were supposed to provide for those like my husband and I have not been done ; there are numerous others going through the same thing as us if not worse.