davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

Santander Account has been reporting a Charge-Off status to XXXX XXXX and XXXX  credit bureaus EVERY MONTH on my Credit Report. The Account Status is inaccurate reporting and it is damaging my ability to get employment and housing. Santander continues to validate the Account status
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NJ)

My saga begin XX/XX/2021 when I innocently open an online account. 
The opening of the account was fairly easy - I receive an email notification, log into my account and as suggested I transfer funds into the account. About a week later I wire more funds into the account. 
A couple of weeks later - when I am outside the US and I can't log into my account. I call TD, after being bounced around - they tell me I need to verify myself personally ( why have an online account you ask - good question ). I explain to them, that I am out of the US and am stuck because of the pandemic. They say no problem. Silly me I believe them. 
Come XXXX I am still out of the US - ( but my physical mail is forwarded ) - I see my account is closed. Why - I don't know. No communication, no email. NOTHING. 
Once again I call customer service and am bounced around. No one seems to know what to do. The folks mean well, but are useless. They said go down to a branch when you get back - they will help you. They also mention the mysterious demarketing department ( like area 51 ) - who I call - but no one ever answers or returns my phone call. 
Fast forward to today XXXX XX/XX/2021 ). I am back in the US - I go down to a local branch ( XXXX XXXX XXXX XXXX NY ). I speak with XXXX. To say they are unhelpful is the understatement - they throw me back to the XXXX number. I press them and they give me a XXXX number to call the demarketing department - ( remember I did call them - they never called back ). I tell him they never returned my call. He says sorry!! 
I sit in the back over 2 hrs on the phone w/customer service. I am tossed around like a sack of potatoes. No one can help. No one can return calls. Is this customer service in our day and age??? 
TD Bank basically stole about $ XXXX from me and I can't figure out how to get it back. 
I have done some research and apparently this is a known problem. 
Please help.
Consumer complaint received 2019-08-13
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. (IL)

Have contact all three bureaus and advised that I was victim of identity theft and accounts need to be removed that I didn't apply for or use. Requesting that the remaining accounts need to be blocked and removed. FTC Report # : XXXX
Consumer complaint received 2023-03-29
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TN)

I have a dispute with Lane Bryant credit card. I ordered 2 items that were never picked up from the store, so I canceled them. I was still billed for them and expected to pay even after I explained the situation to the rep. So I paid what I was supposed to pay and took off the price of those 2 items. The next month, I was still charged for those items and also charged a late fee. I refused to pay it and now it has been several months later and my bill is now XXXX. No one at the company could rectify the situation or explain to me how and why I was still being charged fees for canceled items when my bill should have been at 0.
Consumer complaint received 2020-09-07
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. (TX)

I've been going back and forth with Experian refusing to complete an investigation and provide me with all documents and sources pertaining to the investigation they simply just send generic responses stating updated. When calling into customer service theres no help at all please help me with this matter. Although Im not running from responsibilities being that Im a victim of identity theft Im trying to confirm this debt belongs to me and have asked for proof or Deletion. they chose to delete 3 accounts from XXXX XXXX XXXX but allowed the others to remain stating verified how is that even possible?
Consumer complaint received 2021-05-05
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. (UT)

The XXXX XXXX  XXXX  is reporting an erroneous debt on my credit file. They are reporting a XXXX XXXX account with a balance for a debt that has already been paid! I have disputed this but this item will not come off of my credit. I am asking the bureaus to review the attachment and see that this debt has been satisfied so they can remove this from my credit file.
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (KY)

While checking my credit reports I noticed a collection from Midwest Recovery Systems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report. On XXXX XXXX, XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from a credit monitoring system I subscribe to that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.
Consumer complaint received 2024-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (OH)

UNDER HOUSE JOINT RESOLUTION 192 ALL DEBTS ARE PAID Original Creditor XXXX XXXX XXXX DATE ASSIGNED : XXXX / XXXX / XXXX  Agency - LOCKHART MORRIS & MONTGOMERY DATE REPORTED : XXXX / XXXX XXXX XXXX Creditor Classification - XXXX XXXX ORIGINAL AMOUNT OWED- {$900.00} Original Creditor - XXXX XXXX DATE ASSIGNED : XXXX / XXXX XXXX XXXX  Agency - LOCKHART MORRIS & MONTGOMERY DATE REPORTED : XXXX XXXX XXXX XXXX XXXX Creditor Classification - XXXX XXXX ORIGINAL AMOUNT OWED- {$990.00}
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The XXXX of XXXX is reporting an erroneous debt on my credit file. They are reporting a XXXX XXXX account with a balance for a debt that has already been paid! I have disputed this but this item will not come off of my credit. I am asking the bureaus to review the attachment and see that this debt has been satisfied so they can remove this from my credit file.
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

Called into Transworld Systems Inc and Spoke to a woman agent on XX/XX/XXXX @ XXXX for 5mins and 20 seconds because I received a letter stating that I owe {$730.00} in unpaid toll on license plate number XXXX. I gave her my account # listed on the document. She said this debt was from XXXX. I explained to her that that is impossible because I just received a letter stating that I owe a balance of {$350.00} almost a month ago.Then she stated i actually owe a total of {$2300.00} from XXXX XXXX in unpaid toll from 1 year ago starting from last XX/XX/XXXX to now. I told her that was impossible. I asked her what was the license plate numbers she read of XXXX and XXXX. Now I'm assuming that {$1500.00} is unpaid tolls for XXXX. I stated again that is impossible. I am confused is this from XXXX or XX/XX/XXXX. She said both. I asked her Can you please give me the total amount due on plate number XXXX. She said she could not provide me with that. I asked her could she send me photos with dates and times and shots of the plates, she said she could not. Go on the website and find the information, which I was unable to do so because the violation number was inaccurate for the XXXX plate and it would not come up without the violation information. I stated to her, you do know we are on a recorded line and I am asking you for a total to make a payment and you are denying me and referring me to a website. I do not feel comfortable or confident that the information provided from that company is correct. Please help me. I am not working now and I do not want to be ripped off giving the little money I have now. I just want clear concise information.
Consumer complaint received 2017-12-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (MO)

The agency continues to call me 10 times a day. They have sent documentation of the medical procedure that i recieved without proper HIPAA release signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts. The agency and hospital clearly violated my right to privacy in accordance to OCR. Under the FDCPA I have the right to request validation which they submitted a copy of my procedure and medical record with out HIPAA release signature signed by me to give them the right to have my medical information.
Consumer complaint received 2022-04-06
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: Ability Recovery Services, LLC (TX)

I am in the process of closing on a house. The mortgage lender detected an outstanding balance of {$450.00} on my credit report. After speaking to a representative named XXXX XXXX at Ability Recovery Services ( the debt collector ), I have discovered this balance belongs to a person named XXXX XXXX whose date of birth is XX/XX/XXXX and whose address is XXXX XXXX XXXX EE, XXXX, Tx XXXX. I was told XXXX XXXX purchased an online course through XXXX XXXX on XX/XX/XXXX, which resulted in the balance. I am not sure how this balance came to be on my credit report, but it does not belong to me. This balance must be removed from my credit reports.
Consumer complaint received 2017-12-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC (MS)

I refinanced my VA home loan with XXXX XXXX XXXX. My home loan was with 360 Mortgage, I closed on my refinance on XXXX XXXX, 2017 with XXXX XXXX XXXX. The loan funded the next day on the XXXX. 360 Mortage dispersed my escrow funds out to the county tax collector that day after I requested my escrow funds be refunded to me which are entitled to me by the Real Estate Settlement Procedures Act governs the administration of escrow accounts. RESPA is part of the United States Code of Federal Regulations and gives specific guidelines regarding any escrow overage or shortage amounts. The law mandates that escrow amounts in excess of legal requirements refund to the homeowner.This is a deceptive business practice.
Consumer complaint received 2021-05-05
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. (AZ)

I have sent in 4 dispute letters to Transunion to fully investigate 2 inaccurate accounts on my credit report that has stopped me from being able to obtain new credit and progress in life, which has caused XXXX XXXX. I am concerned as all my disputes have come back " accurate '' but display different factual data between the three bureaus. I am concerned because I believe Transunion is violating the FCRA laws and are not doing full investigations needed to assure 100 % accuracy of accounts. These accounts are reporting different date last active years between the three bureaus as well as different payment statuses, which is terrible because that is what indicates when the account is supposed to naturally fall of my credit report. According to the FCRA, it is the job of the credit bureaus to make sure accounts are 100 % and inaccurate accounts should not remain on my credit report and Transunion has failed to do proper investigations as the problem has not been fixed. I am requesting these accounts get deleted from my report immediately because they are reporting inaccurate information that I have tried to resolve numerous of times. I have attached my credit report with the inaccurate accounts and some of the letters I have already sent to the bureau. I am requesting these accounts get deleted immediately so I can obtain the new credit I need to become successful. I have attached my passport and bank statement to this complaint for verification reasons as well.
Consumer complaint received 2019-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (RI)

I have filed identity theft on this account and submitted to the Federal Trade Commission and this debt collector CITI Bank has accepted the documentation from FTC and assured me this account was erased from my credit report. This account is not mine and it has NOT been removed from my credit report has promised by CITI Bank Card.
Consumer complaint received 2017-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

United Revenue Corp is reported me to XXXX but I have never used any services from them or their affiliates. I asked them to provide me documentation of this debt so I can turn it over to proper authorities. But to no avail they did not do so. I verified my Idenity and current and previous address with them but the address they have for me I never lived there. I told them it is mistaken Idenity but the refused to notify XXXX to delete the accounts. They are on my credit report 4 times all different accounts.Account numbers are as follows : # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2022-11-16
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. (TN)

THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I tried to withdrawal XXXX from my account and the teller told me I needed two pieces of identification. I had my passport and that was always enough information when I had withdrawal money before. I asked the employee to show me where in the rules and regulations it says I need two forms of identification to withdrawal over XXXX from my account. They pointed to a piece of paper taped to the glass. The piece of paper did not say I needed two pieces of ID or anything about XXXX dollars. I asked h where it said I needed two forms of ID and he basically told me to XXXX XXXX I called the bank and they escalated my complaint. It the complaint I said that the fact that the teller has descresion on whether to let people with an ID take money out or not is a discriminatory practice. It allows the teller to discriminate if they want to and have no repercussions. I never said I was being discriminated against. The response from the bank was that they decided I was not being discriminated against and the case was closed. When I called the number on the email it was just the general call center number. I tried to dispute the response and the said the case was closed and they could only open another complaint and that they did not even have access to the original complaint.
Consumer complaint received 2018-07-27
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: EQUIFAX, INC. (TX)

In XX/XX/2018 I found out that I was a victim of Identity theft. The police were contacted and a report filed, as well as the FTC and the Credit Bureaus. To date Equifax has not removed any of the accounts that have been reported as a result of the Identity theft. I have sent three letters providing them with all of the information request in regards to the Identity theft and they still have not removed the fraudulent information. I am in the price of seeking legal action against the company.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC (GA)

I checked my credit on XXXX XXXX XXXX. Noticed that an account I do not know about was put into collection. That same day I made contact with the original creditor in which gave me the contact information who they had sold off the collection too. I was never notified or called once by XXXX XXXX XXXX  XXXX new debt collector ) and still have not received anything until this day. I 've made several attempts to contact the company which always ends in failure. I do not know what else to do at this point
Consumer complaint received 2017-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

Experian claims to have verified 2 inaccurate XXXX XXXX XXXX accounts on my report however whom did they speak with to verify the accounts? Last I checked utility companies dont report to the bureaus as they dont extend credit
Consumer complaint received 2019-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

JEFFERSON CAPITAL SYSTEMS,ACCOUNT NUMBERXXXX IS A COLLECTOR FOR ORIGINAL CREDITOR ,XXXX ,THAT IS WRONGFULLY APPEARING ON XXXX   XXXX  AND XXXX CREDIT BUREAUS.THE PROBLEM IS THAT XXXX  PHONES AND SERVICE PROVIDED WERE NOT ADEQUATE AND DID NOT PROVIDE EVEN  REMOTELY ADEQUATE SERVICE.MY FAMILY HAD MULTIPLE PHONES THROUGH XXXX..WE USED THEM WHILE HOME WAS XXXX  XXXX,OUR BUSINESS WAS AS A VENDOR IN WEEKEND FESTIVALS IN XXXX XXXX,CA.IT MAY BE DIFFERENT NOW ,BUT AT THE TIME THERE EXISTED LESS THAN THE REQUIRED CELL TOWERS TO DELIVER SERVICE IN XXXX  XXXX.WE USED THE PHONES TO COMMUNICATE BETWEEN OURSELVES AND CUSTOMERS..INTERFERENCE,DROPPED CALLS,UN-RECEIVED MESSAGES,AND NO CONNECTION AT ALL WERE THE NORM.WE COULD NOT USE THE PHONES AND SERVICE AND HAD TO GO WITH ANOTHER PROVIDER.WE WERE CHARGEDIN VIOLATION OF CALIFORNIA'S IMPLIED WARRANTY LAW AS IF THE PHONES AND SERVICE WERE FUNCTIONAL.