davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY (NJ)

I tried to open an account on XXXX in which I needed to sync my bank account with the site. 
I tried and received an error, stating that I should call my bank because they were blocking access. 
I called TD Bank and they said they will not allow me to grant access of my account to any 3rd party. 

I do not understand this as it is my account, which I should be able allow who can view my info.
Consumer complaint received 2018-01-20
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)

I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment history
Consumer complaint received 2017-06-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX Charged OFF my credit card account on XX/XX/XXXX after I had negotiated a settlement. XXXX XXXX XXXX Continues to Report the account delinquent on my credit reports 7 + Years after I settled this account for less than full balance.XXXX XXXX XXXX Refuses to discuss this account and referred me to XXXX XXXX. After Contacting XXXX XXXX I was advised that they had referred this account to an attorney in XX/XX/XXXX ( 6 years and 11 months after the initial charge off ). The Attorney returned the account to XXXX XXXX and XXXX XXXX has No knowledge of the status but they will reassign the account to someone else in the next 5 to 10 days. XXXX XXXX XXXX Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was XX/XX/XXXX/ We attempted to resolve this account years ago but XXXX XXXX XXXX  was Not interested. The Original dispute Involved XXXX XXXX XXXX Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away
Consumer complaint received 2017-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more th an one oc casion to advise of my credit being pulled without my permission.     These are the accounts that are unauthorized inquiries :  1.   XXXX   XXXX   XXXX / XXXX / XXXX   2.   XXXX   XXXX   XXXX / XXXX / XXXX   3.   XXXX   XXXX / XXXX / XXXX  4.  XXXX    XXXX    XXXX   XXXX / XXXX / XXXX
Consumer complaint received 2018-01-20
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: BB&T CORPORATION (GA)

I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I 'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given
Consumer complaint received 2017-06-19
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: CIT BANK, NATIONAL ASSOCIATION (TX)

i have about  XXXX  credit hard inquiries that were randomly on my account all within a weeks time frame.     I did not make these inquiries as I was building my good credit starting at a score of  XXXX , and these inquiries knocked me down to a score of about  XXXX  I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries.   They said it was authorized, although this was online transactions, that I did not do!     I have authorized  XXXX  inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!
Consumer complaint received 2018-01-15
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)

I have contacted Equifax several times about an account from XXXX XXXX that was always paid on time. 

There records are contradictory. It shows my account as always paid on time but they are reporting it as a charge-off account. This is impossible as an account always paid on time can not be charged off. Please see attach documents where you fill find Equifax reporting this as a charge off.
Consumer complaint received 2017-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (GA)

HomeBridge Financial Services , Inc . 

Loan # XXXX my principal is {$710.00}, payment {$1000.00} with Escrow {$330.00} per year sinceXX/XX/XXXX when I refinance and pay over {$3000.00} in Escrow in total over {$6000.00} Escrow insurance {$660.00} tax {$2400.00} total {$3000.00} {$330.00} x XXXX = {$3900.00} now {$400.00} X XXXX = {$4900.00} home bridge inXX/XX/XXXX have increased my monthly payment by {$78.00} with out letting me know I have to pay {$400.00} per month XXXX {$4900.00} per year to cover my tax and insurance wish cast me {$3000.00} Home Bridge company is not acting in my best interest. I should not be forced to over pay every month to keep a roof over my head
Consumer complaint received 2021-08-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

Durning the COVID 19 pandemic the Presidents have enacted a bill to postpone federal student loans. I have federal student loans with 3 services which 2 services have postponed my payments due to the COVID relief bill. Aspire Servicing Center has not postponed my payments they have been reporting them as past due. I recently got an alert to my credit report that my credit score dropped 153 points from XXXX to XXXX. I then found that Aspire reported my federal student loans as being 113 days past due placing me in a delinquent status and now threatening default status. I called XXXX on XX/XX/21 and the representative stated that Aspire does not have to follow the mandatory automatic postponement of repayments that the President and Department of Education put in place from XXXX and that I had to apply for assistance. I have federal student loans, not private loans or other loan types that may be exempt from this relief bill. Aspire should not be denying us this right. The negative impact to my credit is having devastating affects to my every day life and has placed me in dire straights from affecting my employment and purchasing power to securing financial assistance with every day basic living.
Consumer complaint received 2017-06-19
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. (TX)

I have several inquiries that I know nothing about. There are multiples by the same companies. I had a freeze on my credit so I not understand how there are still these inquiries. I have called several times and sent letters to the credit bureaus with no action. I most recently just called last week and they asked me to send letter again which I have already done and still they are not being removed. I also have  XXXX  hospital bills that are not tied to me that they have not removed even with evidence sent. I have student loans that have been consolidated and payment is not due and they will not remove how they are negatively reporting even though they are not negative.
Consumer complaint received 2018-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

I have already sent 2 complaints : XXXX XXXX.

This is regarding LoanDepot payments that I have made. The problem was suppose to be fixed. I just received a bill for XX/XX/2018. It states I owe XXXX I have already paid XX/XX/XXXX and XX/XX/XXXX. This keeps happening. I do not know what else to do with this loan company.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (DE)

An individual or individuals purchased XXXX XXXX in my name. XXXX sent a bill to my home address and a notice from a XXXX XXXX XXXX XXXX XXXX XXXX  ) was received on the same day, prior to the bill and the notice, I was unaware of the breech. I called XXXX to dispute the bill the next day asking how the phones were ordered and what I needed to do. On XX/XX/2022, I filled out the XXXX Fraud Management by email at ( XXXX ) the recommended method of correspondence and received no response. I also explained to them that XXXX had notified me of the breech and was actively working to fix the problem. Thinking the issue was settled, I did not follow through any further, but on XX/XX/2022, XXXX sent my bill to a second Collection Agency . Once again, I contacted the AmSher Collection Services , IncXXXX explaining the situation and asking what I could do. They told me that I should write a letter, and submit a fraud claim through the XXXX website. I had already corresponded with Fraud Management by email on XX/XX/2022. An agent at XXXX said I should contact a XXXX store and find out what to do, and I complied not receiving any more pertinent information regarding correcting the issue. Furthermore, I wrote letters and provided a police report, the police report number and an explanation of what I had done including a request to AmSher asking for them to provide " pertinent '' information regarding the transaction. The letters to both AmSher and XXXX should have been received before XX/XX/2022. Meanwhile, XXXX still persists in collecting the debt from me, once again referring my case to AmSher Collection Services . Repeated phone calls to AmSher have met with no success, and many of my calls are dropped or not allowed to go through. When speaking with representatives from AmSher they tell me that XXXX must initiate the " clearance '' of the debt and XXXX  says that AmSher must initiate the clearance. You would think that the company that incurred the debt would be able to clear the debt, but I don't know. XXXX has been unable to give me any information regarding, how my information was documented for this alleged purchase or where the phones were delivered. AmSher has been equally evasive and refuses to speak with me. In the letter I sent to both AmSher and XXXX XXXX XXXX told them I had to have information regarding my account so I could prosecute the individuals responsible for this behavior.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Act XXXX XXXX  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-01
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. (NY)

Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, XXXX, and Experian remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you
Consumer complaint received 2022-09-09
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (GA)

I use Credit Karma. In the past few months I have received repeated alerts, recommendations & invitations to apply for personal loans and credit card offers with outstanding approval odds. I apply and am denied the loan and/or credit card. This is a deceptive practice. Im not clear why they continue to bait me with these offers only to be denied.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have 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. I've proactively remembered this report for 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 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 2017-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

XXXX   XXXX  is charging me an early termination fee plus finance charges for an postpaid wireless account that I never agreed to purchase. My prior employer allowed me to use a company postpaid plan that was serviced by  XXXX .     When I left that employer I took the phone number with me and I switched to a prepaid plan with  XXXX  that I paid in full each month. However,  XXXX  says I owe them an early termination fee for the postpaid plan that I never agreed to purchase.     I hav e sent three le tters to  XXXX  over the  last two  years but they will not return any of my letters. They have sent the matter to their collection agencies who pester me with letters. I want the letters to stop and I want  XXXX  off of my credit report.
Consumer complaint received 2017-06-18
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. (IL)

I have sent letters to all  XXXX  credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in  XXXX  of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all   XXXX   bureaus refuse to remove the unauthorized hard inquires on my report.
Consumer complaint received 2019-05-11
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. (FL)

I have a lot of credit account that are close and paid plus over 10 years on my credit report and never go away I needed to be removed from my credit reports Thank you
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, checked my credit report and noticed a fraudulent and inaccurate account on my credit report. I reached out to the credit reporting agencies to remedy the situation but they would not help me remove the fraudulent and innacurate accounts.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2017-06-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC (CA)

Received a letter from this company  XXXX   XXXX  claiming I owed money on  a 4 year old h ospital visit {$660.00}. At the time I had  XXXX  and a supplement, at the same time they filed as a collection account with the  XXXX  major credit reporting agencies in order to wreck my credit and force me to pay. In the letter I was given 30 days to notify them if I disputed the validity of the debt, however they notified this as a collection account immediately to the agencies. I have called them twice and can get no answers, these are sleazy scammers. If you note in the letter they cant even spell my name correctly.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (WV)

I paid my credit card off XX/XX/2021 the company BB AND T BANK did not post it to my account and reported that it was 30 days late on payment, I showed them and sent a copy of the receipt where it was paid off I would like this removed from my account
Consumer complaint received 2017-06-18
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. (CA)

On XXXX.XXXX.17. I answered a solicitation by transunion to get a FREE COPY of my credit score. I made an application and they required a credit card. I complied thinking they needed for identification or future purchase choices. That wa not their intent. They signed me up for a subscription service ( there is no mention of a charge or subscription in the add. I called and the young Lady helping me very pleasantly cancelled the subscription and refunded the charge. My thanks to her!!! Now on to the problem ; I have a subscription service with XXXX.These is my credit scores as reported by EACH SERVICE to XXXX : Credit Scores XXXX As of XX/XX/2017 XXXX XXXX XXXX TransUnion As of XX/XX/2017 XXXX XXXX XXXX XXXX As of XX/XX/2017 XXXX XXXX Average XXXX Credit Score for your zip code, XXXX, is XXXX. Now, if I go to the transunion site, they have my score at XXXX ( giving it a XXXX XXXX ). Same company, two very different scores. This is fraud!!! The difference in the two scores is catastrophic to my creditworthiness. A XXXX pt difference reported by the same credit reporting service ( transunion ). Several inquiries, form reports ( which are VERY USER UNFRIENDLY ) and a telephone call did not correct the problem, nor did they even address my specific complaint.I am attaching three responses from transunion to support my claim. Please do not post my private information. The complaint itself you may publish. I look forward to your response and an apology from transunion, and any damages you may want to award me. Sincere Regards XXXX XXXX
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Alorica Inc. (WV)

I initially had a borrow and grow loan with XXXX, who sold my debt to SST XXXX. I have repaid the amount I owed from the initial personal loan, and now want to close my loan, as I do not want to pay the {$200.00} a month on a 29.98 % interest rate for {$2500.00} in savings. SST XXXX charges too many fees and seems to have no idea how to handle my loan. XXXX originally offered the option to cancel your loan.