davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
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. (TX)

I have tried to find out why an auto loan is still on my Equifax credit report that was paid off XX/XX/XXXX. The two companies on my Equifax report are XXXX XXXX and XXXX XXXX. I called both companies and neither has a record of the purchase made in XX/XX/XXXX and paid in full in XX/XX/XXXX. The truck was repossessed in XX/XX/XXXX but I quickly paid the past payments and regained it again. When I called Equifax ( twice ) I couldn't pass the security questions so Equifax told me to write a letter with a copy of my driver 's license and social security card which I did. Equifax sent me a copy of my credit report but no explanation as to why this loan is still on my report. So I called again today, waited 30 minutes to get a representative but I couldn't pass the security questions again so they wouldn't help me therefore I can not get any answers. I would like to know if the repossession has kept this loan on my credit report if NOT I want it removed from my report. Please help.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax continues to list 3 old closed accounts as open on my credit report that had a late payment. This situation has been resolved long ago with the companies and as instructed, I contacted the companies from the old accounts and had them tell equifax that the accounts are old and to remove the accounts and the delinquent information off of my credit report. This was 3 months ago. I am at a loss as what to do now. It is incredibly difficult to deal with Equifax. 
Please help. These mistakes are driving my Equifax credit score down by 100 points. Neither XXXX XXXX or XXXX list these old accounts on my report anymore. Equifax is the problem.
Consumer complaint received 2019-11-08
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: Experian Information Solutions Inc. (MO)

on XX/XX/2019 i sent a factual dispute letter disputing an account. on XX/XX/2019 i received a letter stating that the account was updated. on XX/XX/2019 I followed up with a letter asking to provide all information used in their investigation. I did not receive a response. On XX/XX/2019 i sent a second written request asking again to send information used to verify and validate this account in their investigation. On XX/XX/2019 i received a letter stating that unless i send additional relevant information to support my claim, they will not reinvestigate this account again/
Consumer complaint received 2019-11-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

They are reporting me as being late and now I have a negative mark on my credit report. I have paid on time every month even ahead of time. I am enrolled in autopay. They have taken my credit score down 10pts due to this false negative reporting on my account. My payment is due on XXXX.
Consumer complaint received 2019-11-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

They are reporting me as being late and now I have a negative mark on my credit report. I have paid on time every month even ahead of time. I am enrolled in autopay. They have taken my credit score down 10pts due to this false negative reporting on my account. My payment is due on XXXX.
Consumer complaint received 2017-09-15
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. (PA)

I am submitting this report in relation to the recent Equifax hack. 

Equifax has not done their due diligence in ensuring that my personal information was protected, and the fact that information was compromised so readily points to Equifax not in compliance with XXXX, let alone other means of encryption as per financial regulations. 

I am currently unable to pull a credit report from annualcreditreport.com due to pulling a credit report in the last 12 months, and Equifax has largely remained quiet on the issue of so many Americans having their data compromised. I am not able to determine at this time if my credit has been compromised, and if so, how it has been compromised.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KS)

I have tried to put a credit freeze with Equifax multiple times onXX/XX/XXXX and then tried again on XXXX/XXXX/XXXX. I started the process both on the website and on the phone line. Each time I get an error says the system is down. 

I was able to place a credit freeze with the other agencies ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2019-11-08
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. (FL)

I forwarded to Equifax Credit Information Services, LLC. On XX/XX/2019 ( USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX ). 

The furnishers are in violation of the Fair Credit Reporting Act. commercial accounts ( Information ) do  not apply to the Fair Credit Reporting Act. The furnishers are reporting inaccurate, incorrect, unfair, deceitful, misleading information on my consumer report. Furnishers have damaged my ability to obtain credit, it causes me pain and suffering, mental anguish, depression, stress, insomnia, the lack of pursuit of happiness and the loss of enjoyment of life. 

I demand the following accounts listed below be removed immediately, a Consumer Report is NOT  intended to be used as a commercial account ( Information ).

See Attached Documents.
Consumer complaint received 2019-02-25
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. (MI)

On several occasions ( starting around XXXX of XXXX ) I have contacted Equifax in regards to collections being fraudulently added to my credit profile. I have disputed the collections ( XXXX XXXX and XXXX and XXXX ) with Equifax and they come back verified. I have called Equifax countless times in hopes of resolving this matter but always told the information is correct. I have disputed ( on XX/XX/XXXX I sent certified letters ) with the companies ( XXXX XXXX and XXXX and XXXX ) and neither company has ever provided me with validation on said debt. Actually neither company responded to my letters. I sent out correspondence to all ( Equifax, XXXX and XXXX and XXXX XXXX ) certified mail on several occasions yet no one has confirmed said debt nor removed debt from my credit profile. I have never had any contract with neither company mentioned above, nor have they provided me with any services. On XX/XX/XXXX I sent certified letters to all parties asking for deletion of said debt, along with proof that I didn't owe anyone anything, and again no one has responded and the debt is still reporting on my credit profile as delinquent. After completing my own investigation I have supporting information that I have never had any type of services with the companies named above nor do I have any outstanding balances. This false reporting is a violation of my rights pursuant to FCRA, FDCPA. Lastly, to date ... No one has provided me validated information that this said debt is in FACT owed by me to the companies stated above. I will upload supporting information.
Consumer complaint received 2022-08-11
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. (FL)

I XXXX accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXX Account Number : XXXX,. 
-XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, has 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 a account without my written
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.
Consumer complaint received 2020-07-10
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: EQUIFAX, INC. (AL)

In XXXX of XXXX, I disputed several collection items with XXXX, XXXX  and Equifax. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XXXX of XXXX  and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ran a credit report using XXXX with Transunion. I disputed adverse actions listed. After 30 days, I called Transunion since I had not been informed of the results of the disputes. I was told on the phone that the adverse actions had been removed. 

I was denied credit in the interim. I tried to get a free credit report based on the denial, but was unable to get it online. I called and spent 59 minutes on the phone and they could not resolve the problem. 

I am unable to get a free copy of my credit report online as a result of being denied credit which, according to Federal law, I am entitled to. Transunion had no further guidance for me. I even tried to pay for the report and was unable to obtain it.
Consumer complaint received 2019-11-08
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (MD)

They are reporting me as being late and now I have a negative mark on my credit report. I have paid on time every month even ahead of time. I am enrolled in autopay. They have taken my credit score down 10pts due to this false negative reporting on my account. My payment is due on XX/XX/XXXX.
Consumer complaint received 2020-07-10
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. (AL)

In XXXX of XXXX, I disputed several collection items with XXXX, TransUnion and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XXXX of XXXX  and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks
Consumer complaint received 2020-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I called for an experienced report and they sent me and I noticed a number of things that wasnt correct on my report so I called the number that was provided to me on the letter when I called they had no information about me for example the account number thats provided on the top of the letter the representative wasnt able to find that when they searched it up. Also they told me my address wasnt on file which was weird because they just sent me my credit report. Then I was asked multiple questions that I had no clue about and when I didnt answer the questions to THEIR ability I was told they couldnt answer my questions because they were unable to verify my identity which was very frustrating for someone whos just trying to improve their credit and fix whats wrong.
Consumer complaint received 2020-07-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northwood Asset Management Group (CA)

The original Debt so said was from XXXX XXXX. A collection company by the name of Northwood Asset Management left a threatning Vocie mail on my phone and my wifes that they will contact my employer and sue me and committed fraud etc ... ... 
I called the number XXXX and I asked for a validation of debt and they refused and again they will sue me. With all the fraud I was not going to settle or admit anything on the phone. ANother number I have is XXXX All I want is a written validation which I never seen or received from XXXX XXXX or northwood
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I received a notice of servicing transfer from Loancare LLC for my home loan on XX/XX/XXXX and at that time I started making payments through them. Beginning XX/XX/XXXX, I started receiving notifications that I needed to obtain flood insurance for my property. I mailed, faxed and eventually directly uploaded to the Loancare website documentation of current flood insurance held by the HOA ( I live in a condo ) to no avail. The same correspondence kept getting sent. In XX/XX/XXXX I called Loancare customer service and they said that a glitch had occurred that kept my account from being updated and it was fine, the HOA insurance was sufficient and I would receive no further correspondence. 

On XX/XX/XXXX, I received an email that lender placed flood policy had been charged to my escrow account resulting in a balance of - {$530.00}. I called Loancare immediately and was notified that this was a mistake and my account would be adjusted by XX/XX/XXXX. I received a letter dated XX/XX/XXXX confirming that the lender placed insurance had been cancelled. On XX/XX/XXXX, I received a statement dated XX/XX/XXXX noting that my escrow account is now - {$700.00} ( with no explanation how ) and my monthly payments would be increased to cover the overage. I just called LoanCare LLC again and after about an hour of being bounced back and forth between their insurance department and mortgage support personnel was given no explanation of why I received this statement and an explanation that the company had not completed an " analysis '' of my loan to determine how much flood insurance I need. Please keep in mind I live in a severe drought area of central CA and it would literally take biblical proportion rain for a flood to occur here. 

This company continues to harass me with threats of forced placed lender insurance and charges my escrow account at their leisure, without any warning. At no point did they offer me the option of obtaining my own flood insurance ( which I would not need, I only need " walls-in '' coverage and my HOA carries flood insurance on the outside of the property ) and attempted to charge me over twice the normal flood premium with their lender placed insurance. I don't know if I would be even able to obtain flood insurance as I live on the 2nd floor of the unit and technically do not own the part of the building that would be affected by flood. I want LoanCare to cease their attempts to fraudulently place insurance on my loan. 

For what it's worth, LoanCare has a known history of engaging in excessive force placed insurance as evidenced by a class action settlement reached on XX/XX/XXXX. It seems that they continue to persist in this behavior despite the court ruling.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (AL)

XXXX XXXX, XXXX I received a letter from BBVA Compass informing me that my mortgage had been paid in full, and not to send any more mortgage payments because they would be returned. At this time, I was still in Chapter XXXX Bankruptcy. I called the number on the letter to verify the information. The computer operator confirmed the information in the letter. I have asked BBVA Compass for a mortgage release numerous times ; I have yet to receive my mortgage release.
Consumer complaint received 2021-08-14
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 (IL)

" Lenders that report data to credit bureaus as required by the coronavirus aid, relief, an economic security act ( CARES act ) will not cause consumer credit scores to go down '' - my complaint is that I had a missed payment at the beginning of the Pandemic ( XX/XX/2020 ) and it has not been removed from my credit report, and it is hindering my ability to obtain credit.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Citibank will continue to get a complaint a day until they finally take this seriously. Every single other card company has all documents and can see what clearly happened. Myself and my family are the victims of Identity Theft and Fraud! Citibank has made several poor decisions and continues to do so by changing charges back and forth. Well I can clearly say this. Myself and my family were not involved in any of this fraudulent activity and we certainly didn't steal our own identities. Citibank continues to make very random and very irresponsible moves since their communication is less than bad between departments they have built within silo 's, having limited ability to see each others notes or collect the plethora of documentation we have sent in. If this is not resolved in the way that follows, we will be filing suit against Citibank, which will be the only one of our creditors involved. When the bulk of your team has poor systems and therefore poor access they make poor decisions. There are three Security Operations Managers and a Fraud Manager that made very good and sound decisions these people should be placed in higher leadership roles. My attorney will be sending a letter soon, and if this is not resolved in the manner that it should ( re-establishing our credit lines and repairing our credit quickly ) we will be taking action that we did not want to take. This is not a fun thing for a person like myself to do but Citibank need to be shown to the public how messed up they really are. Then maybe, they will start making changes to treat good customers, like my family since 2006, far better.
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (UT)

I tried to pause or cancel my account earlier of last year ( XXXX ), but wasnt able to because I had one month past due. I wasnt financially stable and called XXXX customer support to try to get my account paused so I wouldnt have to pay for even more months and they told me that it wasnt possible until I payed off my previous month. I couldnt pay off that previous month because I was unemployed so it forced me to pay for the next month which added onto my debt. I stopped going for months because during all those months Ive been trying to either pause my account or cancel it so I wouldnt have to keep paying. They did not allow me to pause my account or cancel it which forced me to continue having my account open and added to my debt which I did not want and couldnt resolve. I received some mail last year about the attempt to claim debt and then stopped receiving them for a while so I assumed that the issue was resolved. Today ( XX/XX/XXXXXXXX XXXX  ) the debt went into collections without any notice prior.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

I opened my TD bank Premier checking account at TD bank branch in XXXX, MA on XX/XX/2019. The manager who helped me open the account told me I can get XXXX dollars bonus if I keep my balance over XXXX for three months. I did what they required but I did not receive it till now. I visited the branch but they what they can do is to send email to their department which is taking charge of the bonus. But I did not hear back from them since then.