davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LNV FUNDING PLACED TWO COLELCTIONS ON MY CREDIT REPORT AND THEY HAVENT VALIDATED THE DEBT I USED A CREDIT REPAIR COMPANY TO REACH OUT TO THE AND THEY STILL HAVENT SENT ANY THING TO VALIDATE THE DEBT, SAYS THEY WONT REMOVE IT UNTIL IT PAID
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

First off your a bunch of lousy discriminating low lifes Now say you can't handle this one XXXX  and TransUnion are falsely reporting that my car is delinquent with a balance of XXXX. I paid my car off nearly 2 years ago. I have forwarded documentation and the dealership as well a 2nd time. I have been penalized for their deliberation neglect I filed a dispute over a month ago and they refuse to correct my report
Consumer complaint received 2018-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have made proper TAX XX/XX/XXXXpayment on XX/XX/XXXX, online by echeck. 
I have contacted Bank of America local branch, they provided certified Bank statements to showing that : 1 ). The correct checking account number in this eCheck. 
2 ). I have sufficient fund in my checking account. 
Unfortunately, this echeck was returned, even without reaching my checking account at all. 
I hope you can evaluating what has happened to my 1st payment on time, and kindly waive the property TAX later fee and interest. 
By the way, my father passed away at the end of last year, I went back to XXXX and come back a bit later. So I mad a last minute TAX payment. Otherwise I would make a payment much earlier. This is the 1st time happened to me for a returned check. 
My wife and me to live in this property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Account # XXXX ), my wife XXXX XXXX has XXXX XXXX XXXXXXXX allowance. In the mean time, we are in the process of make title name change to XXXX XXXX and XXXX XXXX, then we can apply for a TAX exemption with XXXX soon. 
This incidence is the irresponsible handling of my echeck by BOA online service, no communication with me, no alert messages at all. Though I have made several calls for this echeck and try to make it go smoothly. BOA should be responsible for later fee and interest fee charge, returned check fee etc over {$400.00}. The BOA online service is very poor, each time, it take me at least one hour to reach a representative. Even a branch of BOA manager has taken over 30 ' to reach a BOA online service representative.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXX  has been reporting innacurate information to XXXX transunion and XXXX. The account being reported is innacurate and unfair it is damaging my consumer rights which are federally protected and has hindered me from the pursuit of happiness and has hindered me from being approved for credit. The attached ftc report show in detail some of the damages that have been done. I require that this account be removed from all three Consumer reporting agencies and i be compensated XXXX for consumer violations
Consumer complaint received 2020-07-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

I believe this place is the Midland Credit Management. They call back to back and do not leave voice mails they just call repeatedly. I answered one call to see who keeps calling and they hung up on me with no answer I block one number and they use a new number its a never ending cycle. They have multiple complaints online for using extreme harassment by non stop spamming calls and not leaving voice mails.
Consumer complaint received 2018-02-08
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION (NJ)

My mortgage company ( m & t bank ) keeps reporting to the credit bureaus that my mortgage is late because they fail to withdraw the money from my account on time. XXXX and XXXX reported late.
Consumer complaint received 2021-11-30
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: CITIBANK, N.A. (NY)

Billing Dispute XXXX Citicards, XXXX XXXX XXXX XXXX XX/XX/2021 I filed a dispute for a charge of {$200.00} that XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 that I did not authorize. The merchant refused to reschedule my appointment and unilaterally charged me {$200.00} in a day when New York XXXX authorities had banned all transportation due to a declared state of emergency provoked by a violent tropical storm. On XX/XX/XXXX I received a letter from the Dispute Center at Citicards asking me to submit additional information and to sign a legal document stating that I did not authorize the charge. I did so in an email containing additional information and also attached the form with my signature, sent on XX/XX/XXXX. I am attaching that email too. They acknowledged receipt of my email and the signed form on XX/XX/XXXX. 
On XX/XX/XXXX I received another email from the Dispute Center stating that they submitted the information to the merchant and would get back to me within XXXX business days. That was the last time I heard from them. 
Since then, I have called to the Citicards Dispute Center several times. I only received vague responses about the investigation process. The merchant supposedly had until XX/XX/XXXX to respond. I was eventually told that the merchant never responded to the additional information I provided. I called XXXX times in the last XXXX weeks and the staff at the Dispute Center never offered an answer so as to why they have not resolved the dispute yet and could not even confirm if they had processed my email from XX/XX/XXXX and the signed form I sent. Needless to say, the time limits and deadlines to resolve the dispute have long passed. Please let me know if you can help me to get my credit card to respect my rights as a consumer and finally resolve this dispute.
Consumer complaint received 2018-03-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Residential Mortgage Services Holdings, Inc. (MD)

I was pre approved for a mortgage loan on XX/XX/XXXX. I kept getting educational emails from them  while I was in the process of looking for my home. When ever I had a question I could not reach the lender right away. I would not hear from the lender not until a week later. I let my lender know.this was my first home. There was a lot about the process that I did'nt know. I asked my lender about 2 months in advance if he could find me a down payment assistance program.He told me that he was looking into and he will get back with me. It was about a week before closing and finally after me leaving several messages his secretary calls. She told me that XXXX XXXX will be giving me a call. XXXX XXXX called me and told me that he was not able to get me the XXXX for the down payment. I lost the contract on the home. My family is still in the process of looking for a home. Also my credit was pulled back in XXXX by this company to get pre approved. I received a pre approval letter stating my credit score and all documents that I turned in, proof of income etc..was good for 120 days. My credit was pulled again by this company on XXXX to qualify me. This I did'nt understand do to what the pre approval letter stated. There was some changes in my score from XXXX XXXX XXXX. My score dropped since the first inquiry. I feel like I should have been notified immediately that I could not qualify for the down payment assistance so that I could have went another route. Also, the 120 days that was stated on the pre approval letter was not over before they checked my scorces and documents again.The company name is Residental Mortgage Services ( RMS ). They are located in XXXX, Md. My lenders name is XXXX XXXX.
Consumer complaint received 2022-04-29
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (IN)

DISCOVER acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX On XX/XX/XXXX I used an advertisement letter to open a credit card and I gave them my employer XXXX XXXX which was Not open when I called them after 6pm and they said wait a second to verify employment and a girl said " welcome to the family '' and she opened the acct up. My employer was never contacted and I have been on social security XXXX the entire time and since an illness in XX/XX/XXXX I was never in my RIGHT FRAME OF MIND as I spent credit limit by XX/XX/XXXX and DISCOVER has done everything to make sure I cant get out of debt, during stimulus deposits I PAID extra amounts and they swallowed it up in SERVICE FEES and every {$200.00} I paid I never had greater than {$25.00} over my limit in spite of this I got tired of paying extra and when I pay over {$97.00} minimum they give me {$44.00} and I am happy to pay {$55.00} a month in interest, then it went down to {$37.00} and this month XX/XX/XXXX they took {$73.00} in INTEREST and the acct is a negative {$48.00} for the FIRST TIME. They should have never iopened an acct w/o verifying my EMPLOYMENT and CREDIT in the first place
Consumer complaint received 2019-09-26
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: TD BANK US HOLDING COMPANY (CA)

XXXX  HAVE REPORTED ME FOR AN ACCOUNT THAT I DID NOT OPEN AND IT'S CAUSING ME A HARDSHIP. TD BANK CONSUMER ID NUMBER XXXX
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

There are accounts and inquiries that do not belong to me. Please remove them as they are hindering me from obtaining a mortgage. Additionally, I may have been a victim of identity theft by the way that inquiries were pulled on my reports. Thank you.
Consumer complaint received 2021-05-21
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. (MO)

Purchased a new XXXX truck around XXXX of XXXX. Truck was totaled in auto accident XXXX of XXXX. XXXX XXXX received money from insurance company and released vehicle. A small balance was left but no statement was sent to inform me of the balance. 90 days passed before I was made aware and XXXX XXXX had flagged my acct as 90 days past due. I immediately paid the balance in full. I have disputed this numerous times and spent countless hours on phone with XXXX explaining the issue to no avail. The acct also continued to show {$0.00} past due after balance was paid in full. Please have the XXXX accounts removed from my credit reports.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/XXXX XX/XX/XXXX, 0r XXXX XXXX. I was approached at my XXXX Bank where I am a member by the teller, as I was doing a random exchange, in XXXX. I am a platinum member, and their staff gave me a promotional offer that they were " celebrating '' within their office to apply for a credit card, with Citizen Bank. The bank and I have a ten year relationship. 

They said I qualified for a credit card for a 15 month 0 percent interest charge ( APR ). 
The advertising on the brochure was what they call in law school bait and switch and the intent was to get clients to order a credit card. 
As a member of this bank, i defaulted to trust with them, as it seemed like a good deal, and I told them i would consider it since I had XXXX large purchases coming up. Equaling XXXX dollars. 
Now, they had the chance to have integrity, as the brochure says nothing about purchases, but, only about an " introductory rate for 15 months for 0 APR '' for  balance transfers from other cards. 

It was trickery and faulty advertising their intent was to bait, and then switch by providing the wording of introductory rate and then later stating for balance transfers, the next page if any page thereafter has the rate for actual purchases being 16.9 percent, which is ludicrous. 
I called the bank at my second statement because I was under the impression that this new credit card had 0 % for the first 15 months of purchases, and the agents of the bank conveyed this by their lack of disclosure when I stated that I would use it for purchases, and also by their compliance by not explaining otherwise. As to the terms, I do feel this contract should not be upheald and they need to offer me the contract of 15 months 0 % interest, because of the phrasing and the selling of their product to a costumer being vague and cryptic and the costumer having a trusting nature with the bank. 
It was truly a move I consider of terrible business practice on the part of a bank.
Consumer complaint received 2022-04-29
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. (FL)

XXXX XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I want to inform you of Capital Ones unfair reporting practices. They have been reporting a sold charged off credit card account ( XXXX ) in my name to the credit bureaus. They sold the account XX/XX/15 to The Bureaus ( XXXX ), but have been reporting it to the bureaus as a Capital One debt with a balance owed that is still open to this day. They sent me a letter stating they were sorry and would remove the account. However, the account is still being reported. ( Proof is Attached ). This is considered double or unjust enrichment by federal law and is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-04-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (NC)

I have constantly asked to be emailed a disbursement of all my history of payments and payoff and I have requested ow 6 times and amerihome constantly never emails me as advises they will. I asked for a supervisor and yet no one will speak to me. Im extremely upset that I have to go through this process just to retrieve my own account info
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc. (PA)

Hello I had a checking account on moneylion application and everything was fine. 

On XX/XX/XXXX, I noticed that I can't log into my account so I tried to call them ( I waited about two hours to get live person ) they told me on XX/XX/2021 someone called and claimed that he is XXXX XXXX and My account is opened by using fake identity ( I mean identity theft ) but I explained to them that I was in the middle of an auction and I was about to win it so a person tried to close all of my accounts including my Moneylion account. 
As other financial institutions had local branch I visited them in person and solved the issue. 
But for Moneylion I called them 7-8 times and finally they told me I have to send supporting docs to XXXX so I did it But unfortunately, they are not answering me anymore. 

But what was those supporting documents? 
They told me I have to send supporting docs to prove I'm the real XXXX XXXX They told me as I shared my account with my girlfriend XXXX XXXX I have to proof she is my girlfriend Now I have XXXX in my account and they don't want to reopen my account and also they don't agree to reopen my account
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NE)

I have never had cable in my name. I always lived with my aunt and all the bills are in her name. This has to be a identity fraud I know nothing of this account. They have said I owe one amount and it keeps changing from XXXX to XXXX. I also attached a pic of this account where it was closed from a dispute and then they reopened it.
Consumer complaint received 2018-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

OnXX/XX/XXXX, I received notification that 4 inquiries were reinserted into my transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

These are all old inquiries that were already on my account, but had since been removed.

Transunion reinserted them, hurt my credit score and failed to notify me in writing of these changes.

I called transunion today to request they remove these inquiries, and they claimed that I was not affected by the transunion inquiries glitch and that there was nothing they could.

I saw a hit to my TU credit score from them reinserting these old inquiries, and would like them to be removed, as transunion is violating section 611 of the fair credit reporting act via their failure to notify me in writing of the reinsertion of these inquiries. Attached is a copy of my inquiries from my official credit report from XXXX showing that the aforementioned inquiries are not showing up anywhere but TU. also attached is the notification I received showing the reinsertion of the scores, and that they were reinserted this past XX/XX/XXXX. these inquiries were made back in XX/XX/XXXX, and should not be reinserted.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (PA)

I previously filed a complaint against this company. I had a XXXX Credit Card. I decided to close it and pay it off. I am in the process of paying it off but I noticed that it was not decreasing much. They are charging me an extra {$10.00} for monthly maintenance fee even though I have closed the account. I finally paid this company down to {$77.00} dollars I called tried to pay it in full last week, but was not able to get on the internet. I called them and was told that I did not have access to the website because I closed my account. Of course this was a lie, I previously was able to access it. I talked to the rep and told him that I wanted to pay this account of because I did not want them to add the {$10.00} he stated no problem call back and I will wave the charge. Of course I called back today and the rep refused to wave it and refused to put the supervisor on the telephone. I have paid this card despite the fact that the frequently asked questions state, " The monthly Program charge is billed to your account and will be shown on your monthly billing statement. The charge is based on your outstanding balance multiplied by {$.00} per {$100.00} of outstanding balance. They are thieves. They have been charging me {$10.00} a month when they should not have been.