davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this shools first  XXXX account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, deleted, and blocked off my consumer credit report immediately I had this credit union for years however I never opened this particular account
Consumer complaint received 2020-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK (AZ)

In XXXX of this year TCF closed its local branch in XXXX, AZ and transferred its busness to XXXX XXXX XXXX XXXX ( XXXX ). At that time I tried to move an IRA account from TCF in XXXX to XXXX but was one day late to do so. I called TCF and was told I needed to fill out an IRA Distribution Form. TCF said it would mail me the form. Two weeks later I received a Change of Address Form. I completed the form and mailed it to TCF after calling TCF again asking for the rollover form. Several days later I received and completed the form and mailed it to TCF. A few days later I recleived an emaill from TCF asking for my personal information which I sent to an email address requested by TCF. Several days passed. I called customer service several times and got no answer. Finally, on XX/XX/XXXX I sent a certified letter to TCF and noted that it was delivered. I finally reached customer service on XX/XX/XXXX. told them my problem and they took all my information and said they would get back to me that day. Today is XX/XX/XXXX, and I have not heard back. I don't believe that TCF intends to send me my money.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-04-28
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

I have been affected by covid-19 and have additional health problems because of covid -19. Requested mortgage assistance with PHH Mortgage again they are not helping me stop the foreclosure sale date to keep my home. I have faxed my financial and paper work for mortgage help.Talked with several PHH customer service reps and they have not been able to help me. I don't want to lose my home.
Consumer complaint received 2024-03-03
Product: Credit reporting 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. (NY)

I got a copy of my credit report to check to see if things were accurate, and i noticed that i have some unauthorized hard inquiries. I've written letters to all three bureaus and stated that that these hard inquiries were unauthorized, and they still haven't removed them from my credit report.
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (MD)

I lived at XXXX XXXX XXXX Apartments from XX/XX/XXXX to XX/XX/XXXX. The last couple months I lived there under HUD assistance, they kept reporting that I didn't recertify. I came down the office XXXX times and submitted this recert paperwork to them. They sent me a letter stating that I owed rent for XXXX XXXX and XXXX which I paid with a money order, and they cashed in XX/XX/XXXX. After finally getting in contact with a rep from HUD about the issues of the recert, HUD started to investigate the issue. They sent me threatening letters stating that my voucher was cancelled since XXXX because I didn't recertify, and that they would be charging me rent from XXXX until the current month. I moved out of this apartment in XX/XX/XXXX because of this conflict. They tried to bring a lawsuit against me but, the case was dismissed with no judgement owed to them. They then posted on my credit that I owed them XXXX. I disputed this record through XXXX for a year and every time it came back the collection agency states that the account is validated. I then requested validation from them, they provided a lease form when I first moved into the apartment as the start of the delinquent balance, and final notice of a bill with charges as if my voucher was cancelled, but nothing that states as a statement or a bill as to where they got the amount of XXXX. I called XXXX this time to dispute it again. I sent them all the court documents, lease information, the FTC identity theft report as well as other related documents as XXXX stated. I spoke to a rep from XXXX to make sure the documents were received, and they confirmed that the amount alleged against me was fraudulent, and that they will put a request in to have it removed from my credit. XXXX and XXXX have taken this collection off my credit following my conversation with XXXX. I called XXXX again, to find out why they still had this collection posted on my credit file. The supervisor stated that XXXX removed it from my credit, but the collection agency placed the same alleged amount on my credit file again! This collection account is fraud, and the collection agency keeps posted it as a new account every time I dispute it as non-liable for this debt. I do not owe this company anything and they are continuing to fraudulently post inaccurate data on my report. This alleged amount is solely posted on my credit file. It is not posted on any rental history reporting agencies. The only reason they are reporting that I owe them anything is because I reported them to HUD because of their misuse of recertification paperwork to try to scheme money out of residents. 80 % of the residents that live at this property are old and can not speak English. I wish to have this file reported as fraud and removed from my credit file.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I receive a notification that I would be charged an annual fee on my next billing statement. I called to have the fee waived or cancel the card. The rep explained BofA 's stance and that they will not waive the fee., I asked to cancel the card and the rep explained that I would still be charged the fee because I have an open balance. I don't understand how that is fair, if I am not taking advantage of any of the cards specials.
Consumer complaint received 2022-10-13
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. (NC)

Ive called and talk to Experian over and over again & they told me they need a FTC & Proof of identity to handle the XXXX fraudulent accounts that are open in my name Ive provided the information they needed I need the XXXX fraudulent accounts removed immediately its causing me very financial hardship I need help please
Consumer complaint received 2022-04-29
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. (DE)

In accordance with the Fair Credit Reporting Act, the accounts below, have violated my rights. 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 an account without my written instructions. 

Accounts are below : XXXX XXXX : XXXX Amount {$94.00} XXXX  XXXX Acct # : XXXX Amount {$2400.00} XXXX XXXX Acct # : XXXX Amount {$2300.00} XXXX XXXX Acct # : XXXX Amount {$400.00}
Consumer complaint received 2024-03-03
Product: Credit reporting 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. (FL)

I AM A VICTIM OF IDENTITY THEFT AND EQUIFAX DATA BREACH. 

HARD INQUIRIES : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (TX)

I'm behind XXXX & XXXX payment on my mortgage. I got approved to roll it into the next 6 months but I can't even make a payment now. Payments are XXXX a month. I need help please
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by Capital One Auto Finance, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote Capital One Auto Finance directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote XXXX and XXXX  directly, return receipt mail, to notify them that since Capital One was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address Capital One 's data furnishing negligence and willful misconduct. I am hoping that directly disputing Capital One 's data furnishing practices will be sufficient to resolve this matter.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am trying to link my capital one account with XXXX XXXX to review my credit reporting and capital one is blocking me from linking my account. I called capital one on XX/XX/2018 and they said they are unable to fix this. I just want to be able to have an up to date way to track my credit score. All of my other banks were able to link including XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-04-28
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. (GA)

I have disputed the following accounts repeatedly for the a few years now with no result. ( XXXX most recent date of dispute for inaccurate reporting ) US Dept. of ED and XXXX XXXX ( past the 6year statue of limitations for reporting student loans ) I have 4 of these accounts reporting to Equifax alone. Two of the schools I attended were closed due to fraud ( misleading students ) I have already submitted my Borrowers Defense paperwork for both schools ( XXXX XXXX and XXXX ). Three additional accounts are big balance XXXX  XXXX transfer accounts ONLY being reported to Equifax .Four accounts are reporting ( Collections /Charge off ) status and they are showing a balance due. Also I have a new accounts that are not reporting to Equifax with is negatively affecting my credit score. ( XXXX XXXXXXXX Account ).
Consumer complaint received 2022-01-10
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. (GA)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX
Consumer complaint received 2021-10-26
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: Union Credit Corporation (GA)

Hey, you are not taking this seriously. I sent multiple disputes in regards to these issue. Don't force me to believe that your report is accurate. Technically, the report is incomplete and unverifiable. I gave you enough time to prepare all the documents to prove this on me but you've failed. You are now demandedby the law to remove this inaccuracy from myb credit.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This account was charged off on the following date XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : -XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (OH)

I was working on a college course with XXXX XXXX  and the course was XXXX , I was unable to pay the balance because of Covid 19 taking me out of work for 2 months was unable to pay forward the balance. 

The total I owe now is XXXX to collection much more than the initial balance.
Consumer complaint received 2021-06-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Commercial Recovery Systems (CA)

Credit Recovery Systems, located in XXXX XXXX, NY used constant abusive language towards me, telling me they were going to sue me and that I would be arrested. 

After telling him I would be getting my husband involved, he mentioned, Your husband will keep his mouth shut after today. Very strange behavior from a collection agency. 

Also, one of the men working there, ( XXXX ), continued lying about who he actually was. He claimed his name was XXXX, then XXXX XXXX. After asking XXXX to speak with someone else because he was very rude, he transferred me to XXXX XXXX, who was himself.
Consumer complaint received 2021-10-26
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: Collection Receivables, Inc. (GA)

Hey, you are not taking this seriously. I sent multiple disputes in regards to these issue. Don't force me to believe that your report is accurate. Technically, the report is incomplete and unverifiable. I gave you enough time to prepare all the documents to prove this on me but you've failed. You are now demandedby the law to remove this inaccuracy from myb credit.
Consumer complaint received 2019-03-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (NJ)

On XXXX, both a checking and savings account were closed at Ally Bank. According to the agent spoken over the phone to on XXXX, 2 separate checks were to be issued, one in the amount of {$8000.00} [ Savings ], another for {$61.00} [ Checking ]. A representative in charge of closing the account contacted me on XXXX and stated the accounts were officially closed and two checks were processed and sent out on said date. They implied that it would take from 5-10 business days to receive the checks. A few days later I went online to check the status of the checks since a virtual copy of the checks was made available online for record keeping. I noticed the statements had the correct mailing address on them, except the city was incorrect [ made out to XXXX, but it should have been XXXX ]. I called an agent to resolve the issue, they did notice the city was incorrect and stated that nothing could be done at the moment since the checks were sent out. They made a note on the account about it and advised me to call back a week later and check with them to see if the checks were sent back due to being undeliverable. I called as advised, spoke with an agent about the matter, but now the online statements for the checks made out on XXXX with the wrong city have mysteriously disappeared online and replaced with checks made out on XXXX with the correct city. The agent said that the checks were sent to the right address, but acknowledged that the city was wrong, yet again, but did not want to get into the old statements dated from XXXX mysteriously disappearing and being replaced. Now they have asked me to fill out some forms for lost checks and have them notarized. I have to pay for notarization on behalf of Ally Bank for a mistake they committed for not being diligent enough to set up the address with the correct city. This entire ordeal will cost me approximately {$25.00} to have all this paperwork notarized and sent out. It is not fair for me to have to pay for a mistake Ally Bank made. They should be held accountable and reissue the checks. Now, something that should have taken 5-10 business days to complete is now close to a month. This is completely unacceptable. I am sensing very shady business practices with this entire ordeal. Statements disappearing makes me raise an eyebrow. They are covering their tracks and making customers pay for mistakes they have done. They were fast to take my money when I opened the account, but now they are taking their time returning it to me. They are making me jumps through hoops and all sorts of nonsense. Unacceptable!
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: REGIONS FINANCIAL CORPORATION (TX)

My tax refund of XXXX and my stimulus check XXXX went into another account off by one number I told them it should have never went into another person 's account should have bien rejected and sent back to it's they told me account holder spent it already and it was my mistake sorry but your money is gone we can't do anything call IRS
Consumer complaint received 2022-10-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA (IL)

Hi I received an alert saying that I just opened an account with,,, Goldman Sachs Bank U.S.A.,,, for XXXX XXXX,, I reached out to Goldman Sachs Bank, and they were not able to find me with an account there. 

So Im hoping you may be able to help me.. Thank you!