davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

I have spent over XXXX total hours of phone time, 1 hour of travel time, faxing VALID documentation on a debt which needed to be DELETED from my credit file, per the request of Equifax 's supervisors. I 'm in the middle of underwriting for a home mortgage and had a debt appear on my report, which was an ERROR on behalf of XXXX. 

XXXX submitted their error and request to have it DELETED from my report, TO ALL XXXX credit agencies, Control Number XXXX on XXXX XXXX at XXXX XXXX CST. ALL CREDIT AGENCIES need to delete it from their reporting. However, I need the reporting expedited due to the fact my underwriting is happening NOW. Transunion and Experian took care of the matter within 24 hours of notification. They were both very customer friendly and understood the urgency of my request. They appeared to care about my situation and knew it was n't something I should have experienced. 

I spent hours working a circle with XXXX, their internal collections agency, and then back to XXXX. I received a letter for my lender advising this was XXXX 's error. Equifax told me to fax them the letter at XXXX. I did this at XXXX XXXX. Equifax also received the info at the same time as all other agencies. When I called, after spending an hour on hold and another 30 minutes talking to a " Supervisor, '' Equifax was completely noncompliant. They would not help me. When I asked to talk to another manager, I was told I could not. 

Every hour I spend taking care of an issue on my credit report, which should never have appeared on it in the first place, has cost me time and money. I '' m XXXX. If I 'm not in front of a client, I 'm not selling. If I do n't get this removed from my report, I lose this house, I lose {$4200.00} in earnest money, there are several people impacted from an emotional and financial situation and all because Equifax wo n't delete the erroneous information and they 've received PROPER AND PROMPT documentation. 

I should n't have to go through all these hoops, to have something deleted ... all due to an error by a company. Why is Equifax doing this and making it so difficult, when the XXXX and XXXX can do it -- with the SAME DOCUMENTATION, and they understood the urgency? Why should a consumer have such a difficult time to remove something which is n't their fault, all because a company willingly chooses to be NON COMPLIANT? 

I can not spend anymore time on the phone fighting for Equifax to DELETE XXXX from my report, this report directly impacts my credit SCORE, and I need someone to fight for my rights as a consumer. This is absurd, when I 'm doing all the right things and this situation was a billing ERROR on the part of XXXX. Equifax 's experience is leaving me emotionally, mentally, and physically distressed -- -over an ERROR. Please help. 

The letter from XXXX is attached. All I asked of each agency is to DELETE it so my lender will write the loan. Its not that difficult.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX once again reported to credit bureau about my account even though they have sold my account to a collection again This an attempt to destroy me by a XXXX manger in XXXX North Carolina because we got in to an argument. We had made arrangements about the payments on the vehicle. The next day he repossessed the vehicle. Then he promised me that I wouldnt have to worry about it being on my report. He said if it did appear he would remove it. I said wait a minute you telling me if this appears on my credit report you will remove it.I asked him that because I dont trust no one I mean no one not even my mother. He said yes thats a easy fix. Well that easy fix has cause me nightmares. It has cause me nearly one hundred points since XXXX. I will be contacted my uncle who is XXXX XXXX XXXX  to let him know that how I am being treated and what this credit bureau is doing to me. No wonder theyre talking about abolishing the three credit unions. Because if they let whats happening to be everybody in this world that is a shame. Well not everybody just XXXX and XXXX. I also will contacted the U.S.Congress OF These United States of America to let them know about the injustice people of color are experiencing with these three Credit Bureau. It is a shame I fought for my country. Im a 100 % XXXX Veteran and I have to experience this type of horrible treatment from the credit bureau. This is the year 2021.
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (OR)

On or about XX/XX/XXXX or,XX/XX/XXXX, I ca n't remember the exact date, I tried to purchase sweat pants from XXXX, using my XXXX/Debit card. The customer service rep told me I could get a discount if I applied for a XXXX XXXX card. I said OK, but, I do n't want to use the credit card at this time, I want to pay for my purchase using my XXXX/Debit card so that I can read the terms of your credit card first. The customer service rep charged my purchase on the XXXX credit card anyway. And, it turned out, it was n't a XXXX card in the first place. So I thought I paid for the items in full on my XXXX/Debit card. It turned out this was not the case. Subsequently, I have received statements from XXXX, stating I owed them not only for my purchase, but " fees charged '' and " interest ''. I have called XXXX Customer Service several times, including today, this time asking for a supervisor. I was referred back to their bank, I believe it 's XXXX XXXX ( XXXX ) and was unable to resolve this issue. In addition, today the bank rep threatened me liens and legal action. I do n't stand for threats from anyone for any reason! I am willing to pay for the items in question, but nothing more.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (PA)

I was charged " excess tax fees '' multiple times when transferring money between accounts online. The fee is {$9.00} each time. These fees were charged XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2017-08-04
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch (CA)

I was pre-approved for a mortgage with XXXX XXXX prior to looking for property. We found a New Home from CalAtlantic Homes ( XXXX XXXX XXXX, CA ). They told us that " We Must '' use their mortgage company or we could not write an offer or put a deposit down on their home. I did as I was requested. CalAtlantic mortgage ran my credit 3 separate times, only receiving my authorization for ( 1 ) time. They pulled on XXXX XXXX, 2017 ( original date we had to apply with their company ), next on XXXX XXXX, 2017 ( without my consent ) and the third time on XXXX XXXX, 2017. They tell me it was because they used a company called XXXX XXXX ( a re-seller of XXXX credit reports ), XXXX XXXX sent an e-mail to me stating that " they do not '' run my credit. I want to have 2 of the Hard Pulls  removed as it has made my FICA score drop.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (PA)

I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? 

PLEASE HELP! 

_____________________________________________ Auto Dealers? 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX _____________________________________________ XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2020-11-11
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. (TX)

I bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XXXX XXXX XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially Trans Union that doesnt help on anything.
Consumer complaint received 2020-06-28
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (KY)

Credit karma consumers who were harmed by Credit Karmas actions, and the company will be prohibited from deceiving consumers about whether they are approved or pre-approved for a credit offer, as well as about the odds or likelihood that a consumer will be approved for a credit offer.
Consumer complaint received 2020-06-28
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. (TX)

XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

I received a letter from a company identifying themselves as " Diversified Consultants, Inc. '' claiming they are attempting to collect a debt for XXXX XXXX as evidenced by information on my credit report, I have not had any account transactions with XXXX XXXX within the last 7 years. This company appears to be either a fraudulent company seeking to steal money or this instance is related to another incident of identity theft I reported to consumer finance earlier this year.
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

They've taken the employer XXXX off twice now and they keep putting it back on. I have never worked for XXXX. You can investigate this with XXXX. They will tell you the same thing.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (IN)

I was over charged for moving services by {$250.00}. I submitted all documentation, including the math and proof that they could not have preformed the amount of work they claimed to because they could only have worked ~4 hours because the storage place CLOSED. I submitted proof of arrival time via SMS and the closing hours of the storage place, as well as the closing hours to prove they could not have possibly earned the amount they charged, I've never even gotten an itemized receipt and the vendor is non-responsive. 

Instead of responding to my second dispute, the vendor UNAUTHORIZED charge my card for the {$250.00} again, I called Chase and they had me main in my request and documentation. I paid {$27.00} for USPS 2-day priority and have confirmation that arrived at their PO box . 

I have not heard from them in 2 weeks, despite numerous attempts to contact them.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I wanted to un-freeze my credit report with Equifax. 
I logged in to my Equifax account online. 
I found to option to manage my freeze / unfreeze status. 
The website indicated the following : " You have temporarily lifted your Equifax credit report freeze until XX/XX/2019 .... '' I was unable to manage my credit report freeze by way of the website. 
I then called Equifax customer support and was successful in going through the automated process of un-freezing my credit report, but at the end of my call, I indicated that I wanted to speak with an agent. 
I was put in touch with a person and explained my problem, and they indicated that my credit report had been unfrozen, but that there was not a date present to re-freeze my report. 
The person indicated that they were having problems with their system and would not forward my call to technical support. 
This situation does not make me feel comfortable with them holding on to my credit information.
Consumer complaint received 2017-08-04
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 (NC)

I have disputed three times with target and XXXX that target has a secondary account reporting to my XXXX credit report. I also recently sent out a 609 letter via certified mail. I only have one account with target. This account has a high utilization and is bring my credit score down. The amount on the account  is {$250.00}. This in incorrect. The incorrect account was last reported on XXXX XXXX, 2017. The account contains 5 missed payments as well. I would like this account removed. My target account that I own has a reporting balance of {$0.00}.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Re : Unauthorized Credit Inquiry I recently received a copy of my XXXX, Equifax and XXXX   credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.
Consumer complaint received 2021-08-09
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. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-06-28
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: EQUIFAX, INC. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to  follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union never gave me money I reported stolen. They waited til I closed the account to issue me the letter but never gave me the money. They are stealing the money I reported stolen. I attached a photo of the notice dated XX/XX/2018. I reported over 500.00 stolen and they stole it. Recently they sent this letter that XXXX was refund or credited back AFTER I closed the account and did not receive any checks.