davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I received my Target Bill ( XXXX ). I paid the entire bill on XX/XX/2022. 
The following week i tried using the card to purchase Gas and the Target Master card Declined. I contacted Target.com/MYredcard and called XXXX. 
I was told suspicious activity was noticed. They said i don't normally pay this amount at one time. They froze the card. I was told to call my bank on a three way line with them on the line listening to verify my bank account after they already received payment from my same account, same Bank i have been using to pay the Bill for years. My Target account has a zero balance owed.

Target refuses to open the card for my use. I'm being Penalized for paying off the card and having a zero balance.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (NY)

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 2022-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I purchaed my home in XXXX. Since that time my lender has been Suntust Bank. Late XXXX I was notified, that Truist Bank would be taking over my mortgage account. Which was fine until XX/XX/XXXX when I received a letter from Truist stating that they would be changing the date of escrow analysis from XXXX to the month of closing. In my case that is XXXX. They also informed me in that letter that I would be responsible for paying any deficieny of the escrow account at that time. 
My escrow analysis is in XXXX, so of course there will be a shortage as now they are analyzing 8 months in advance. 
This is a way to make sure homeowners like me are forced to either come up with additional money or have their mortgage amount increase significantly due to the bank changing the rules to fit their needs. 
I called Truist two times and both times I was hung up on my the service representative and was told that the escrow department does not speak to customers.

I asked that I pay my taxes and insurance myself and they stated since I had an FHA loan this was not allowed and that I could refinance. AGAIN not an acceptable for financially beneficial decision to make.

The rep stated " I should have known the terms of my FHA loan when I bought the house '' I am fully aware of the terms! What was not in the terms is that if a financial institution takes over your loan that they can basically strongarm you into the rules they make up as they go.

This change will not only effect me, but I am sure thousands of other Suntrust customers. This seems like a great way for a bank to inflate a mortgage payment to an amount that a family has worked hard for will no longer be able to afford. Therefore leading to forclosure on a property the bank can now take over with a market vaule 10Xs what they bought the mortgage for. This is unacceptable.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CO)

Equifax recently had a major security breech ( XXXX2017 ), failed to inform 140 million affected customers for five weeks (! ), had three executives sell stock worth millions (! ), did an incredibly poor job of managing mine and 140 million of my closest friends Personal Identification information, and then created a " Fraud '' alert system ( XXXX XXXX ) which opts consumers into legal situations were they may not join in a class-action lawsuit. This behavior and conduct is completely unacceptable.
I enrolled in a 90-day fraud alert to hopefully protect myself.
Consumer complaint received 2017-09-08
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. (UT)

Equifax happened A company I 'm forced to opt into and cant avoid handing over my information over to has open security policies that allowed the more nefarious types get all the personal information that matters
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
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 — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

We have an XXXX XXXX XXXX through Comenity Capital Bank. I had been carrying the entire credit line as a balance through about XXXX of XXXX. I then paid the balance in full and have been carrying less than 10 % of the credit limit as a balance every month since. Comenity has not updated any bureau to show that I have paid it completely down and have maintained an extremely small balance since. They stated they have technical issues preventing them from updating the bureaus that they have been unable to resolve for most of the year. This is willful member harm as my credit report shows that I continue to carry the full balance every month and does not reflect several months of more conservative use and payments. The required minimum monthly payment still shows as if I am carrying the full balance which would result in accurate debt obligations should I apply for credit ( which I have been planning for solar panels but this account will not update ). If they can produce monthly statements with accurate information then they should be able to update the bureaus with the same information. This is consumer harm and violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-09-08
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. (KY)

Equifax mishandled the personal data of myself and millions of other American citizens, allowing personal information to get into the hands of malicious hackers. Their gross negligence and inability to secure my information has put myself, my family, and my finances in immediate danger. Their insistence that consumers relinquish their legal rights in order to find out if we 've been affected is ludicrous and proves that they care far more about their own personal security than the consumers they claim to serve. Their requirement to pay a fee in order to freeze credit accounts that have been affected in order to profit off of their own mistakes is nothing more than racketeering. The multiple executives who sold off millions of dollars worth of stock just days after the attack should be imprisoned for insider trading.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

please find attached the letter from macys for which they have approved of the delinquency being inaccurate and are willing to remove the negative mark from my reports XXXX and XXXX have already removed except XXXX, they are not cooperating, please help this inaccuracy to be deleted from XXXX report thank you
Consumer complaint received 2017-09-08
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. (IN)

I was part of the Equifax security breach. Equifax did n't take the proper steps to insure their " customers '' information was secured. After the cyberattack, Equifax tried to dupe effected customers into signing up for " XXXX '' which waives any rights to sue Equifax or be a part of a class action lawsuit.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (CT)

I've disputed this information with the credit reporting agencies, contacted LoanDepot via phone and certified mail. As of today no one at XXXX and delteepot can locate the negative information in their system. For one, the reported information is illegal, and violates my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ). I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 )
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I tried to call XXXX XXXX and XXXX, to get answers on why and who authorized the inquiries and I informed them that those accounts are fraudulent. 
- XXXX : XXXX XXXX - XXXX XXXX  ( Bank ) : XXXX XXXX I have no knowledge of these inquiries.
Consumer complaint received 2018-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MI)

XXXX Statements Closing Date XX/XX/XXXX & XX/XX/XXXX - paid in full received by XXXX on XX/XX/XXXX {$19.00} & XX/XX/XXXX {$19.00} - these payments are full payment of my balance with supporting XXXX Statements They continuously sending me a statement every month charging Late Fees on top of late fees after I paid it in full ; the last Statement I have is " Statement Closing Date '' XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX - Disputed my accounts by telephone and online correspondence with XXXX. 

XX/XX/XXXX - Wrote a Certified Letter to XXXX with supporting XXXX Statements - NO RESPONSE from XXXX XX/XX/XXXX - I received the Certified Return Receipt stamped received by XXXX. 
XX/XX/XXXX - Received a letter from XXXX/XXXX - my account was closed and charged-off and they sold my account to XXXX XXXX, XXXX aka XXXX XXXX XXXX , XXXX ( XXXX ) XX/XX/XXXX - Wrote a Certified Letter to XXXX XXXX/XXXX XX/XX/XXXX - Received a response from XXXX XXXX/XXXX claiming the information provided by the previous creditor ( XXXX/XXXX   ) was correct. 
XX/XX/XXXX - Disputed this issue with the 3 Credit Bureaus. 
XX/XX/XXXX - Received a response from XXXX stated : XXXX XXXX/XXXX balance is correct and XXXX investigation is complete. 
XX/XX/XXXX - Submit this complaint to CFPB
Consumer complaint received 2017-09-08
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. (WA)

I was notified on X/X/2017 that my equifax SSN, DOB, address, and more have been included in the recent hack into their system. I registered for credit reporting through equifax that states it will begin monitoring for 12 months starting X/2017
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Equifax Mishandled my information, this puts ma and 143 million other people at a high risk. I was listed as a potential victim according to their equifaxsecurity2017.com website.
Lastly, Equifax did not notify anyone quickly enough. Over a month has passed since this breach and he just heard about it on XX/XX/XXXX.
Consumer complaint received 2022-10-24
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (IL)

On XXXX XXXX I called Victoria Secret to request the buyer of the alleged debt regarding XXXX # XXXX. I spoke with XXXX, he works in the dispute Dep and can be reach @ XXXX Ext XXXX. XXXX could not locate this account and was not aware of the debt nor the buyer, he also allowed me to record our conversation which I would like to include in this complaint, he agrees that no detailed information is listed on my consumer report. The following item is inaccurate and negatively effecting my credit. I called XXXX immediately. I asked for verification of debt or a judgment and was told that word of mouth from any company is excepted as validation of debt and that they could not send me anything in writing. XXXX has not properly investigated this account. Both of these companies are committing fraud willingly and knowingly. It is my understanding that under law you have 30 days from receipt of this letter to verify this item. it should be understood that failure to do so constitutes reason to immediately delete this item from my credit report { FCRA 15 USC section 1681 ( 5 ) ( A ). You may send an updated copy of my credit report to the correct address listed on my report. According to the provisions of 15 USC 1681j, there should be no charge for this notification.
Consumer complaint received 2023-01-15
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: Bread Financial Holdings, Inc. (DE)

On XXXX XXXX I attempted but was not able to use to use my XXXX XXXX Credit Card. I attempted XXXX {$45.00} payments to Commenity Bank in the XXXX XXXX  store at XXXX XXXX XXXX Delaware. Cashier stated both did not go through. I later checked my bank account and both transaction did post and were deducted from my bank account. I reached out to the store a few times before getting assistance. A XXXX sent an email to the XXXX and XXXX XXXX XXXX and included me on XX/XX/XXXX. I have called Commenity Bank at least 7 times regarding this and keep getting no where, hung up on, or told to check at the store. 
The store XXXX today XX/XX/XXXX, told me it is not their problem. Commenity Bank has sent XXXX letters stating my account is over due, I've received XXXX late payment fees, and they reported me late to the credit bureau high drastically dropped my score. I have not been late or missed a payment for over 3 years now. I am attempted to purchase have a home and this mistake has derailed the plans incorrectly so. XXXX person from Commenity Bank said the I vestigation could take up to 90 days, meanwhile my credit is being damaged and there is no concern or attempts at correcting their error. I have submitted the screen shot from the bank showing the completed transactions as requested.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Niagara Capital Associates, Inc. (NY)

THIS IS NEW INFORMATION REGARDING XXXX AND XXXX Account # XXXX I have have summitted the Cease and Desist letter recently as they have just received/signed it on XXXX so XXXX can not say I sent the same information before. I am waiting for the letter XXXX claim they sent on XX/XX/14 which I requested to cease all communication as well the Debt validation including the audit trail.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IL)

XXXX put a medical bill on my credit report and i informed them that it should be send to XXXX XXXX  and they send the bill and XXXX XXXX paid the bill but they still have it on my credit report and i want it removed off my credit report asap.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AR)

This company has no contract that I have agreed to do any kind of business with them. They are claiming a debt from me that I do not owe to them, they have not validated with me any legal right to collect a debt from me. This company has no contract with my signature agreeing to do any sort of business in the past nor future. I have never signed any form of agreement with Convergent Outsourcing Inc . This company has no right to report anything on me to any of the credit bureaus according to the law.
Consumer complaint received 2017-09-08
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. (NY)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency, including me ( verified by their online tool ). Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Consumer complaint received 2023-01-13
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. (TX)

FCRA Violation : name and address not mine XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX {$960.00} FCRA Violation : collection not mine XXXX XXXX XXXXXXXX {$840.00} FCRA Violation : hard enquiry not mine XXXXXXXX XXXX
Consumer complaint received 2023-03-08
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. As I checked my credit record, I just discovered a billing problem. U.S. Code 1666 defines billing errors as any mathematical or other accounting errors on a statement, as well as the creditor 's failure to appropriately record a statement, a payment received by the debtor, or a credit line extended to the debtor ( b ). I believe there shouldn't be any late payments on these accounts because the creditor did not send me a statement 21 days earlier. This is a list of the accounts that are under dispute : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00}
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have no recollection of these charges. 

TransUnion criminal report. Court XXXX. XXXX XXXX Citation : XXXX. Date:XXXX Wrong name. Citation do not match with anything on my MVR. 

Court ID : XXXX. XXXX XXXX Citation :  XXXX. Date : XXXX. 
Wrong name. Citation do not match MVR.
Consumer complaint received 2022-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (GA)

I began calling Aidvantage on XX/XX/2022 and now as of XX/XX/2022, I have not been able to reach customer service on the phone. Each time I call the line disconnects when transferring to customer service. Aidvantage put me in a IDR program that makes my payment double the regular payment and they said the only way to fix it is to put the loan in repayment and call them back. Now that it is in repayment they will not answer their phone. XXXX XXXX keeps sending me back to Aidvantage.