davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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. (PA)

I have been having issues with these people for a long time. I own my first home cash and I have a good amount of money saved up. I currently make XXXX dollars per year. I have been having you call them for a long time to avoid a lawsuit but they just did the same thing again. I need to go to XXXX for a job and I want to keep the same quality if life I have.
Consumer complaint received 2021-10-05
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)

I have been having issues with these people for a long time. I own my first home cash and I have a good amount of money saved up. I currently make XXXX dollars per year. I have been having you call them for a long time to avoid a lawsuit but they just did the same thing again. I need to go to XXXX for a job and I want to keep the same quality if life I have.
Consumer complaint received 2020-04-29
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. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX  XXXX {$2700.00}
Consumer complaint received 2021-09-01
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. (AL)

Data furnisher XXXX and credit reporting agency Equifax failed to comply with the agreed-upon industry-standard of reporting - XXXX Metro 2 " Reasonable cause '' . 

XXXX # XXXX is reporting in clear violation of the FCRA and Metro 2 . ( reasonable cause ) Specifically, the furnisher must not furnish information it knows or has reasonable cause to believe is inaccurate. Inaccurate information is those items that at least one CRA already has determined to be inaccurate, incomplete, or unverifiable. For example, a CRA that concludes, after reinvestigating a consumers dispute, that an item of information is inaccurate or incomplete or can not be verified must notify the furnisher that the information has been modified or deleted. ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Such a notice should provide reasonable cause to believe that the information is inaccurate and meets the further requirement that its basis is more than solely allegations by the consumer. In that case, a furnisher must then cease reporting the information, not simply because of the statutory mandate, ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) but also in the interest of maintaining consistently accurate information among the various CRAs and helping meet the separate directive that severely limits the reinsertion of deleted information. 

XXXX and XXXX both have deleted this account after their re-investigation.
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00}
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

WHILE ON XXXX XXXX IN XXXX, MY EX WIFE FILED A FRAUDULENT POWER OF ATTORNEY WITH USAA. NOT UNTILL IN XXXX DID USAA DISCLOSE THE EXISTENCE OF THE POWER OF ATTORNEY WITH USAA. ALTHOUGH SHE WAS MY WIFE, MY WIFE FILED THE FRAUDULENT LEGAL INSTRUMENT TO OBTAIN USAGE OF THE CREDIT CARD WITHOUT MY CONSENT. 

USAA PROVIDED THE FRADULENT POWER OF ATTORNEY TO MYSELF AND AS OF MY LAST CREDIT CHECK, I DISCOVERED USAA LISTED THE DEBT AS A NEW ENTRY LAST MONTH. 

THE STATE OF CONNECTICUT HAS ALREADY FOUND THAT MY EXWIFE HAD ALREADY ENGAGED IN ACTS OF FRAUD REGARDNING SIMILIAR SUBMISSION TO STATE AGENCIES AND FINANCIAL ENTITIES.
Consumer complaint received 2022-09-11
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. (CA)

In addition to NEVER HAVING A CONTRACT WITH THE COMPANY XXXX ; this company is reporting knowingly harmful and fraudulent data to credit reporting agencies. This company even sent email saying that Im not required to make a payment at this time- so why is this company reporting false late payment
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

verybad experience i received my target redcard credit card everytime i want to place an online order it wont go through i will get an email cancelling my orders immediately saying technical issue when i call no one knows why their system keeps flagging my orders but if i use a different card it doesnt get canceled and ships
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

I'm so tired of the same old story with these people. They tell me they corrected something but then don't really do it. They send me their inadequate consumer based report which doesn't really reflect the truth and never has. I ran my report with a company that I pay to allow me to do so every month. The same addresses I've requested be removed are STILL on my report! They just lied and didn't do anything! I ran my report with the company I deal with on XX/XX/27 and the addresses have not been removed!
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my car salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to shoe me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I guess someone got hold of my information and opened up an account with this company by the name of XXXX XXXX, which I knows nothing about. Because I never opened that account
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (CO)

Im a natural living human and I have rights under the 15, USC 1681, that Equifax who is governed under 15, USC 1681, they have violated my rights on numerous occasions and I demand that the following accounts from the list below be removed. According to Rule 15, USC, 1681, I have the right to privacy and I did not give equifax real permission to furnish these accounts information. 

Accounts : 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 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My name is XXXX XXXX XXXX. On XXXX I paid a parking ticket to park my car at the XXXX XXXX  in the amount {$37.00} with my credit card. This company is under this name : XXXX and the way described when you purchase online they send an email with a code so we can go and park the car. I paid and wait a few minutes for the email confirmation but never came, this company never sent and took my money and I couldn't park XXXX car at the place they set me. I arrived at the Valet Services XXXX XXXX XXXX and they told me without the code I could not park my car. The manager told me I have to pay or call the company and I did but no answer, left me with a new charge because I have to catch my flight that night and I paid a new parking in the amount way greater because wasn't done online to get discount, I with my XXXX XXXX debit card {$72.00} for the 5 days starting at XX/XX/21 at XXXX XXXX  ticket # XXXX plate XXXX ending in XX/XX/XXXX? XXXX at XXXX XXXX. So I complaint to my credit card they credit me and told me would investigate and if they need will ask me for documents to support. The company responded capital one saying " merchandise was received and in perfect condition '' no support documentations and capital one charged back given this fraudulent parking company the right to charge me and not give me the spot to park my car. Capital One sent me an email saying I have to proof and considered my case closed. I want to dispute and provide any receipts that I had to pay for a new parking and I never used that one for {$37.00} because I didn't have no confirmation sent to me on a email.
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (SC)

Have written National Credit System about the debt they are trying to collect I did not live in this apartment after the XX/XX/XXXX I am being charged for 6 days in XXXX for rent along with water, sewer, and trash, and pest control and 2 months of break lease fees totaling {$1300.00} The apartment was rented by someone else in XX/XX/XXXX. 
I sent a copy of where I had the lights turned off on XX/XX/XXXX I personally went in to the office and gave the assistant manager the keys to the apartment on the XX/XX/XXXX I received a letter stating that if I do not pay they have the option of garnish my wages, level my bank account, put a lien on my property and have reported me to the 3 credit bureaus.
Consumer complaint received 2024-05-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I don't recall having a contractual relationship with this collection company Hunter Warfield. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

I applied for a no cash out refinance of my mortgage back in XXXX with TD bank. The loan was approved. There were a few understandable delays getting a XXXX and so on. Closing was set for XXXX, then XXXX, then nothing. Rate lock and commitment were extended a week at a time and each week the bank raised the fees to close by {$300.00} even though rates are stable or falling. No communication from the bank just weekly e-mails to sign a new commitment with more fees. 
TD cost me XXXX  in upfront costs and delays and now wants to squeeze another XXXX dollars into their fees. 

While I was busy taking care of patients during COVID. TD made excuse after excuse and now wants more money to close. 

I'd be fine with the delay if they kept to their promise but adding insult to injury by trying to squeeze more fees in hoping I won't notice is wrong.
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (FL)

I feel Iike M & T Bank is trying to unlawfully obtain my signature for the note on my property. They are asking me for my note when I feel they should have had if I owed them. I feel like something is not right. They have been charging this whole time with out ever having the note in there possession.
Consumer complaint received 2018-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CO)

In a recent review of my account through Account History documents obtained during a Rule 120 hearing to foreclose on my home, I discovered that PNC have not been posting my payment to my account since XXXX. I had originally thought there was an issue with my escrow account, but then discovered there was an issue with my entire accountmortgage payments and escrow. 

Some of these payments were not posted, transferred to the suspense account and withdrawn from the suspense account as if they were never received. These payments were never posted to my account at any later date. Other payments were applied to the account, but they also were transferred to the suspense account and withdrawn as if they were never received. 

This transferring to the suspense account also happened to credits. Other credits ( i.e. overpayments ) were kept and never placed in the suspense account or applied to my principal since the beginning of the loan in XXXX. 
These transfers to the suspense account is not recorded on the monthly statement in the transaction activity section or in the Yearly Month to Date. If one was to review the monthly statement, I would never show any money was not being applied to my account. 

I have also been charge late fees, when my account was current, even paid month or two in advance. If all of these STOLEN monthly payments were applied to my account, I would not owe another payment until XXXX. 
My escrow has been deficient by PNCs doing. In XX/XX/XXXX, after all of the modification payments had been applied to my account, PNC then withdrew {$830.00} from my escrow account with any explanation. Then on XX/XX/XXXX, PNC advanced themselves {$770.00}, stating there was an escrow shortage. They then refunded back to themselves each month until it was paid. At the same time I inquired regarding the shortage. I then received a letter from PNC dated XX/XX/XXXX, that another {$660.00} was being spread over 60 months for the same shortage that the {$770.00} was taken. Every year, sometime 2-3 times, this cycle of taking the lump sum each moth AND taking the shortage of the entire escrow account not the taxes and fees ( nothing is being put into the escrow as everything dime is taken out each month ) is spread over an amount of time. 
Both of these deficiency repayments are taking place at the same time as the mortgage payments. 

ALL of these issues were brought up in the court hearing with PNC attorney, but since it was outside of the scope of the Rule 120 and the Judge authorized sale on my home for XX/XX/XXXX.
Consumer complaint received 2022-09-11
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. I was checking my credit report on XX/XX/XXXX, and I noticed there are several inquiries that I have never authorized. I tried calling Experian, XXXX, and XXXX and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries from my credit report.
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

I am being sued by a collections company ( Midland Credit Management ) for a debt that they purchased, when asked them to validate debt, they sent copies of a statement from original credit card. No actual proof of me owing them the debt.
Consumer complaint received 2020-07-15
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THE INDIVIDUAL WHO WAS ABLE TO OPEN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2020-07-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

We received a letter from Wakefield & Associates stating that we needed to contact them to avoid litigation. My husband contacted them on XX/XX/2020 and offered to settle the debt for {$1300.00} with a debit card over the phone. The company refused stating that they would not accept anything other than the balance in full even though their insinuated that we could call for other arrangements. We would very much like to settle this debt but the agency and hospital are refusing to settle the debt. Further, we did not receive a breakdown of any of the supposed charges, just a letter threatening litigation. I am XXXX  and my husband 's job has been impacted by Covid. We are also XXXX XXXX XXXX in XXXX which will come with additional bills. We can pay {$1300.00} today to resolve this debt that we supposedly owe, but have not received proof of.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

THE CATAGORY NEEDS TO BE ''BANKING FRAUD '' ANYWAYZ XXXX , BANK IS REPORTING INFORMATION THAT IS A XXXX FRAUD, THEY ARE NOT GIVING FULL DISCLOSURE AND HIDING A SECRET LEDGER OF ACCOUNTING, THESE SIMPLE QUESTIONS HERE I DEMAND ANSWERS WITH CLARITY OR THE LAW SPEAKS FOR ITSELF REGARDING SILENCE IS AQUIESCENSE, ANSWER THESE QUESTIONS AND DONT SEND ME YOUR XXXX ROBO-STATEMENTS TO MY ''BILLING ADDRESS '' DID YOUR BANK MONETIZE MY SIGNATURE?, YES OR NO, WAS THE CHECK DEPOSITED [ that you claim was bad ] WAS THE CHECK TOTALLY WORTHLESS TO YOUR BANK?, YES OR NO, WHY ARE YOU SENDING STATEMENTS TO A BILLING ADDRESS? WHEN IS A COMPLAINING PARTY GOING TO PREPARE A STATEMENT OF WRONG DOING?, [ sworn to before a notary. WHEN WILL I RECEIVE A ''TRUE BILL ''?? SILENCE IS GUILT, SILENCE IS AQUIESCENCE, SILENCE IS FRAUD ANSWER THESE SIMPLE QUESTIONS IF YOU CAN,
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMG MORTGAGE, INC ()

XX/XX/2021 i was under the impression that my mortgage payment was processed with cmg financial. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called cmg financial to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my XXXX and XXXX so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called cmg a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from XXXX and XXXX. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.