davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

They are report late payment when I have provided proof that I was never late wit my child support it shows I only have XXXX percent payment made on time when it should be XXXX percent payment made on time the account is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DK, Consulting, Inc dba Huntington Financial Services (VA)

HF Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX randomly called people with my last name until they found a family member and then lied and gave a bogus reason for them to call me. They told my brother I filed a insurance claim for unlivable conditions. It ended up being a debt that was included in a bankruptcy years ago and its a collection firm trying to collect a old debt. I spoke to XXXX who was an absolute XXXX and broke many FDCPA laws and made multiple violations. He threatened to file litigation if I didnt pay the debt within a hour. He called family members and gave personal information and lied to them to get me to call under false pretenses. He refused to transfer me to a supervisor after I repeatedly told him he was breaking the law by doing, and saying what he was. He hung up on me two times when I called back to speak to his supervisor. Even when I told him it was against FDCPA to call family members randomly and give them personal information, refuse to let me speak to his supervisor, and threaten litigation when hes not actually about to do it, he just got a attitude and hung up.
Consumer complaint received 2020-05-06
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. (PA)

Every month with experian my fico goes up and down for no reason 2nd of each month with no reason. This time 15 points was taken last month went up the rest of credit bureaus no problem old stuff still showing accounts credit closed showing like I closed the account I have paid all credit cards off just have two loans car and personal loan so why do they keep dropping my score
Consumer complaint received 2020-09-19
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-04-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was looking at my credit report and noticed that two credit card accounts were opened and closed in my name. I never authorized anyone to use my information nor did i give anyone my information to use. This one not of my doing or my actions i dont know who could have done this.
Consumer complaint received 2018-07-16
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: GOLD KEY CREDIT, INC. (WA)

There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are XXXX XXXX XXXX XXXX Gold key credit XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2017-08-07
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. (CA)

I paid for XXXX XXXX credit repair service to provide ways of removing old or incorrect data from my credit reports. Some items were removed except XXXX who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to XX/XX/XXXX school. As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old. XXXX law supposedly contacted them requesting a response but not only did they not respond to me XXXX has yet to remove these items of late payments.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC. (IL)

On Sunday, XX/XX/XXXX, I had a balance of {$8000.00} in my Ally online savings account ending in XXXX. On XX/XX/XXXX I initiated a transfer of {$5000.00} from my Ally savings account ending in XXXX to my newly opened Ally investment account ending in XXXX. I will attempt to attach a screenshot documenting that I initiated this transfer. Since it was a weekend, I knew the transfer would not appear in my account until Monday XX/XX/XXXX, but I had no reason to believe that Ally, with which I have banked for several years, would remove the money from my checking account and fail to transfer it into my investment account, which is what occurred. 

On Tuesday XX/XX/XXXX, I checked online to confirm the funds had been transferred from XXXX to XXXX. The screenshots I will attempt to attach showed the funds were subtracted from XXXX on XX/XX/XXXX but were never transferred to XXXX, so I called Ally and spoke with XXXX. She acknowledged my transfer instructions and that the {$5000.00} had been withdrawn from XXXX but never deposited to XXXX. She could account for my missing {$5000.00} but suggested it XXXX have had something to do with my browser. 

XXXX 's suggestion is untenable for two reasons : 1. I have used the same browser for my Ally transactions consistently over a long period of time without problems ; 2. I called Ally and obtained help with the transfer from an Ally employee, who reminded me that, due to the weekend, the transfer would not show up in my account until Monday. In actuality the transferred funds were deleted from savings that day, but never transferred to the investment account. 

When I spoke with XXXX yesterday, she gave me a case # ( XXXX ) ; she said the matter would be researched and resolved by today. She said that the funds would be returned to my checking account by today. Yet it is past mid-afternoon, and I have heard nothing from Ally. If I try to contact Ally by phone to check, the wait time is over half an hour, which is especially unacceptable since Ally caused this situation and has wasted hours of my time already in addition to mishandling my funds. It is now Wednesday XX/XX/XXXX, three days after the attempted transfer, and my {$5000.00} remains missing.
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I received a text about fraud in my debit card. I then received a phone to verify the text. The phone call felt a little different, but I looked up the number online, and it showed it was coming from my bank, so I proceeded. ( Bank of America ) Bank of America said they'd look into but likely there is nothing they can do. I truly believe that Bank of America can do a better job of communicating and putting in protection, so this doesn't happen.
Consumer complaint received 2023-03-09
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. (CA)

On XX/XX/2023, I sent dispute letters to Experian, XXXX, and XXXX disputing an inaccurate information regarding a bankruptcy on my consumer report. Experian, XXXX, and XXXX have neglected to report that bankruptcy that is on my consumer report has been disputed. That is a violation of 15 USC 1692e ( 8 ). It must be reported that an account or an entry on a consumer report be marked disputed when a consumer has disputed it. Failure to do so can result in litigation or arbitration. I have previously disputed this entry as inaccurate on my consumer report. Since this account/entry has been disputed Experian, XXXX, and XXXX have failed to comply with the requirements of 15 USC 1692e ( 8 ). 
Also, Experian, XXXX and XXXX have no permissible purpose to share bankruptcy information in its entirety with my name, social security number and other identifiers. That is a violation of 15 USC 1681 ( b ). I have never given my written consent or permission to furnish information not given to them by me or the United States Bankruptcy court ( please see attachment ). I completely intend to file suit in small claims court.
Consumer complaint received 2018-07-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Since XX/XX/XXXX I made a wire transfer at BECU bank in Washington XXXX for the scholarship of my sister, but before that, I went to the Bank for information about the transfer, the teller gave me what I was not supposed to miss in my process such as : Receiver 's name, the bank name, and the right Bank account, I did all of them without error, and the transfer fee which was {$35.00}. The amount is {$1500.00}, unfortunately the receiver did not receive any after a month, then I went there they recall and I have to wait until 90 days, I came back 3 months after, they asked to call receiver and tell her to go see her own bank and try solve the problem, she went there they told her they did not receive any money from XXXX. How she can solve a problem if her bank did not receive nothing. I went back there many times but what I am seeing they try to collaborate with XXXX XXXX bank and not to give me bank the money, but it is not going to work, BECU bank will refund my money. I was wondering to know where is money or what is happening to it. First all they said they able to make it but they did not tell they are going to transfer through another bank which is XXXX XXXX. Finally, they told me they could not getting any answer from XXXX XXXX, they dropped the case. I need help to know if you can do something for me.
Consumer complaint received 2020-11-18
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. (NV)

With Experian, I received notification that my FICO score decreased 52 points due to a mortgage late payment from XXXX/XXXX. I disputed the matter as I had paid off the mortgage. Experian confirmed my dispute and corrected the report in 10 days, however, they only restored 48 of the 52 FICO points. There were no other factors that would have had an impact on the credit score.
Consumer complaint received 2020-11-18
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: ID Analytics, Inc. (IL)

As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added RIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE! WE HAVE BOTH CALED AND REQUESTED OUR REPORTS OVER THE PHONE AND HAVE NOT RECEIVED THEM! WE HAVE BOTH REQUESTED OUR REPORTS ONLINE AND HAVE NOT RECEIVED THEM. THIS COMPANY REQUIRES A PHONE NUMBER ON THE ONLINE REQUEST! WE DO NOT HAVE A PHONE NUMBER TO LIST! WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS EFFECTIVE IMMEDIATLY! WE HAVE ALSO BOTH REQUESTED SECURITY FREEZES AND NEED OUR PIN NUMBERS MAILED TO US! WE DO NOT KNOW THEM BY HARD! PLEASE MAIL US BOTH A FULL, COMPLETED, PRINTED COPY OF OUR CREDIT REPORTS TODAY! WE ALSO NEED A COPY OF OUR CREDIT SCORES WITH THIS AGENCY!
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (SC)

I have sent out a letter to NORDSTROM CARD SERVICES concerning my credit report. Due to suspicious activity on my credit report. I simply asked NORDSTROM CARD SERVICES to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.
Consumer complaint received 2020-09-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

I requested SLS to update my account status in XX/XX/2020 with all three credit bureaus, And as of XX/XX/2020 they have updated and removed the account in forbearance comment, however SLS reported the incorrect outstanding balance, actually reversing it from $ XXXX Balance to now showing $ XXXX Balance, a negative {$9000.00} difference and because of this my scores dropped 30 points with XXXX, 15 points with XXXX  and 20 with XXXX. 

I have confirmed with the bureaus the drop in score is due to the reverse of reporting a balance of {$370000.00} As of XX/XX/2020, to now reporting an outstanding balance of {$380000.00} on XX/XX/2020. When I actually have made payments of {$2900.00}, {$11000.00}, {$2900.00} and {$1500.00} Since XX/XX/2020 through todays date.
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NV)

I have been trying to close a checking account with TD Bank because I now live in an area without any branches. However, they keep saying they can not do it with an instruction. Then, they also keep charging me maintenance fees on the account, which has no activity at all. Then they tell me they can not close the account because it has a negative balance. So I cover the fee, and they still do not close the account. Of course, they keep charging maintenance fee on it, and it seems like they plan to just keep making me pay maintenance fee on an account I do not use. I would like to know what they are doing to " maintain '' my account, and why they can just ignore my repeated requests to close the account.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation (FL)

In XX/XX/XXXX we consented to the XXXX XXXX XXXX XXXX XXXX Direct Install program. A letter was finally emailed to us on XX/XX/XXXX notifying us that the first payment was due back on XX/XX/XXXX and to a company by the name of Concord Servicing Corporation. The letter did not have our correct mailing address. We mailed the XXXX letter with corrections and included a check for {$1100.00} ( six months of payment ) to Concord Servicing Corporation. We received a letter from Concord Servicing Corporation in XX/XX/XXXX for a second loan ( Smart Start Program ). We called the company and asked them what is the status of the first loan ( Direct Install ). Come to find out, XXXX still had not updated their records to the correct mailing address. To date, we called them several times, emailed them, and sent them a certified return letter. They have credited us back {$35.00} in late fees ; however, we found out today that when the first check was received, they applied the payment towards the late fee leaving a balance of {$170.00} ( {$20.00} in late fees ) They should had back dated the credit for the late fees ( {$35.00} ). To this date, Concord Servicing Corporation has never applied the {$170.00} and the Customer Service Representative does not know what happen to the {$170.00} and the company continues to charge us a late fee every month. We have made every monthly payment due by the required due date.
Consumer complaint received 2023-01-31
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. (NY)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2020-09-20
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. (PA)

Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting MACYS DEPARTMENT STORES ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I recently applied for a business loan and was denied, due to a bankruptcy that is not mine but of someone with a similar name, the information that the credit reporting agency is not verifiable or accurate. I have attempted to resolve this matter with Experian, they did remove it during their investigation then began reporting it through their agency without notifying me 5 days prior according to my FCRA consumer rights,