davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a dismissed bankruptcy chapter XXXX on my credit report since 2011.. I have asked the credit bureaus to remove it cause its not verified.. I have a letter from the courts stating that they did not verified it .. Experian is using a three party to verify this incorrect info .. I have sent them the letter from the court and still cant get a response
Consumer complaint received 2024-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MN)

I called CREDIT COLLECTION SERVICES on XX/XX/2024 in regards to an account that is being reported on my consumer report to notify them of the blatant violations of my right to privacy, 18 USC 894, 15 USC 1692b ( 5 ) ( Acquisition of location information ) ,15 USC 1692j ( Furnishing certain deceptive forms ) 1692e ( 8 ) ( 10 ) ( False and misleading representation ). Upon speaking to a representative, I requested full disclosure of the accounts and the alleged debt. I also asked to speak to someone whos competent enough to comprehend the severity of the infractions.

33 months of inaccurate and negative reporting
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America Cash Rewards World Mastercard Card. 

Automatic payments are a 2 step process. 
First a 'ebill ' is created by BAC at statement close plus 1 day, which has minimum, statement, account balance and such. 
Then the 'AutoPay ' picks the data at plus 2 days from the 'ebill ' and makes the chosen payment. 
Any subsequent credit or payments DO NOT change the 'eBill/AutoPay ' process. 

I can not imagine why except that this is a scheme to get around the 'credit/payments to be applied to required payments first ' rule for consumers. Since the AutoPay is based on the early eBill, BAC claims the amounts from the eBills have not changed despite credits and payments since eBill creation. Thus. consumers pay more than required by rules. 

Every other card I have reduces the required payments to reflect credits and payments first - as I believe the rule requires.
Consumer complaint received 2020-01-26
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. (NJ)

XX/XX/19 -Disputed incorrect data on my accounts with XXXX  , they failed to verify and correct errors on my credit file. No proof provided to me. 
XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts creditone account XXXX doesn't belong to me XXXX  XXXX incorrect data XXXX XXXX  duplicate accounts XXXX XXXX   incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data
Consumer complaint received 2018-02-15
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. (NC)

All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX  and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.
Consumer complaint received 2018-02-15
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. (NC)

All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NJ)

I was notified on XX/XX/2XXXX via voicemail from collection agency Hunter Warfield that I owed a debt on a rental property that I never stayed at. The person used both my name and social security number in order to rent this property and has since been evicted. The amount owed is {$14000.00} and the company directed me to file a police report, submit an affidavit and a photo copy of my ID.
Consumer complaint received 2020-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VA)

TD Bank I had opened a new account 2 months ago. I put my first paycheck in ( paper check for the first time ). I called into the customer service to see how long I would have to wait until I can access my money and begin paying bills. 

My paycheck date is XX/XX/2020. 

I put my check into the bank on XXXX I realize because of XXXX day on Monday XX/XX/2020, access to my funds would be delayed a day because of the holiday. 

I called the customer service line and the lady said that my funds would be ready on Wed XX/XX/2020. And that was a conservative estimate. She also said that I would be able to access {$100.00} of my money right away. 

So on Wed XX/XX/2020, I checked my account online, and I see that they still were not available. I finally called in and was informed that they placed a hold on it, ( they never told me this ) and will hold it until XXXX XXXX at the earliest! 

This goes well beyond and hold! This is my paycheck! I can not pay bills, those that I paid going by what the original lady told me, now I am being charged {$35.00} over and over! 

This violates any FDIC rule! They simply can not hold my money for well over a week and never tell me when and why! I need my medicine! This is held so long that my next paycheck will arrive before these funds are released! 
I need some help with this!
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XXXX XXXX XXXX, I made a payment to Toyota financial services for {$1000.00} for my XXXX XXXX XXXX XXXX. It was deducted from my account on XX/XX/XXXX. The payment was not credited to my account to pay my car. When I realized the payment had not been credited, I called XXXX and was told that there was a systemwide problem on XX/XX/XXXX and not to worry my payment would be credited soon and my credit Would not be affected. I looked again on XX/XX/XXXX and it had still up being credited to my auto loan. I was then told to fax a merchant report from my bank to them showing that I did not receive the credit back to the bank, I went into my local branch of XXXX, And they stated they do not do merchant reports and only communicate with their direct customers. They printed my transaction history to show the XXXX dollars had been taken from my account and given to Toyota financial services and that there was no credit back to my account, I faxed the transaction history to XXXX, and it has been acknowledged that they received it I have called multiple times to get this rectified and XXXX person will tell me that theres nothing they can do until the bank acknowledges it and sends a merchant report then the next person will see exactly what I have given them and shown them through my transaction history and they say they need to write up a report and it will be credited in a few days. It is never credited. I continue to be charged late charges every month even though I am paying my regular payment because of this XXXX dollar payment I went to a XXXX dealership on XX/XX/XXXX to upgrade my vehicle. And spoke to another resolution specialist that had me upload the full bank statement for the month that had XX/XX/XXXX in it and he confirmed from my bank statement that I did not get the refund of my XXXX dollars and said I should see it applied to my loan in a couple days, which it was not. I subsequently was denied opening a new account with Toyota financial services because of this payment on XX/XX/XXXX. I have been a customer of Toyota financial services since approximately XXXX and have had XXXX different accounts with them all in good standing. today XXXX XXXX XXXX I spoke to a resolution specialist and a supervisor that has said the only way I will get my XXXX dollars back is for me to seek legal counsel, they refused to show any documentation of any research that was conducted for them to show that my payment was returned to me on XX/XX/XXXX and they refused to give me any recordings that were taken of my phone calls with their employees. The only thing they will give me is my transaction, history of payments, which is not a bank account.
Consumer complaint received 2022-11-07
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. (TX)

Hello, This item ( XXXX XXXX ) is inaccurate ; my credit limit is not {$0.00}. I am requesting that this item be deleted, as it is in violation of the FCRA. 

Enclosed is documentation supporting my request ( a copy of my most recent credit report ). 

Please investigate this matter and delete the disputed item as soon as possible. 

Thank you.
Consumer complaint received 2023-04-04
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. (MD)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2022-04-30
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: EdFinancial Services (CO)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

My father got a mortgage with Wells Fargo in XXXX and he passed away in XXXX. After his death my mother quit claimed the property to me and I made all of the mortgage payments until XX/XX/XXXX at which time I paid the mortgage off. I have sent Wells Fargo my Id, a copy of the death certificate, a copy of the will and a copy of the quit claim deed. I have talked to two people who have had to open my case twice and received two letters requesting the information that I have already sent. I know that they received it because the last person I spoke to told me my id was in there and I sent it all together. I would like my escrow money and a copy that says the mortgage is paid.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WI)

Continually having trouble with the company sending incorrect billing statements, ( XX/XX/XXXX ). Having lost my SAVE ( IDR ) application renewal ( XX/XX/XXXX and XX/XX/XXXX ) then stating that I never qualified for it ( false according to DoE website and was later enrolled anyway without any sort of notice ). 

Have continually asked for estimated payments and was told that they could not provide these ( XX/XX/XXXX )! 

Have received statements saying that payments are late/overdue/not received when I have proof that money was received well before the due date ( XX/XX/XXXX payment for a XX/XX/XXXX due date ) was supposedly never received and reported as overdue despite receiving confirmation emails for payment on XX/XX/XXXX. 

Have attempted each time there is an issue to call the company ( also get an automated message stating that the call wait time is more than 20 minutes and I have been entered into a call queue for a call back but never get a call back ). The two times I have been able to get an agent on the phone after more than 30 minutes on hold, they say they need to " consult a supervisor '' and then disconnect me or say that they will have a supervisor call me back and I never get a call. Have tried their online customer service chat function and writing letters, but get automated messages not relating to my actual problem, or chat gets disconnected and is " unavailable '' on the website ( how is this possible?? ). 

I think this servicer is either woefully understaffed by people who don't have any training or ability to fix system mistakes/errors or is willfully and negligently making mistakes so that people get their credit dinged by false late payments.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have letters from the 2 judges on two bankruptcy cases that were decisioned stating that the bankruptcies were filed under my name fraudulently and the credit agencies ( Experian, XXXX, XXXX ) continue to report 1 of the two on my credit report. I have sent them copies of the judges decision and that it was fraud but it remains on my report. The Decisions were made on the following dates : XX/XX/2021 XXXX XXXX XXXX decisioned my case and I sent a copy of the letter within the next month to all 3 credit agencies and it was removed. On XX/XX/2021, XXXX XXXX XXXX decisioned my case and also stated that it was fraud that should be removed. I sent a copy of the letter and the credit agencys refused to remove it from my credit report, thus affecting my credit score and my ability to buy my first home. At this point, I feel helpless and I really need some assistance with this matter.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent in a dispute letter to all three bureaus and I did not receive any update after 30days. I then sent in another letter stating they did not respond and begged for a response. After 60 days I have not heard anything.
Consumer complaint received 2023-04-04
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. (MD)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology (OH)

XX/XX/2021 a consumer report was ran for a background check for employment. Asurint has the incorrect information reported as the record has been sealed. This could be detrimental to my employability and I need this correction made on any and all platforms so this doesn't happen again.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TD BANK N.A.. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AZ)

On XX/XX/XXXX I was contacted by XXXX XXXX Assistant Property Manager XXXX XXXX XXXX XXXX XXXX regarding an outstanding bill XXXX. ( see email ) On XX/XX/XXXX. XXXX. I was contacted by XXXX XXXX Property Manager XXXX XXXX XXXX XXXX XXXX regarding alleged amount I owed for move out cost. I disputed the amount and asked for an itemized breakdown. I was giving an estimated and not itemized invoice services were completed. ( see email ) On XX/XX/XXXX. I was contacted by XXXX XXXX regarding the drywall. Ms. XXXX stated, " I am waiting for XXXX XXXX to x your drywall on Thursday. Once I get an itemized invoice from them I will forward it to you. ( see email ) On XX/XX/XXXX, I contacted Ms XXXX via email. I asked for an updated regarding the itemized invoice. ( see email ) On XX/XX/XXXX. I contact XXXX XXXX Employee Relations Manager of XXXX XXXX XXXX via email with XXXX XXXX CC on the email. I let Ms. XXXX know I have not received any correspondence regarding the itemized invoice and I offered solution to the matter. ( see email ) XXXX XXXX stated they found a second drywall vendor and will get it done this week and XXXX XXXX stated, XXXX XXXX has not completed the drywall because the employee who handles all the drywall has been out on leave. XXXX XXXX expects to complete this by XX/XX/XXXX. 

Until this day. I have not heard from XXXX XXXX, XXXX XXXX, or anyone at XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. I never received an email, a phone call, or mail regarding itemized invoice for services rendered. 

XX/XX/XXXX, I became aware of a collection account on my credit from national credit systems that was reported on my credit report on XX/XX/XXXX. I have never received a call, email or mail from national credit system. I never had the opportunity to dispute this collection. 


POC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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. (MD)

In Accordance with the fair credit Reporting act XXXX account # XXXX has Violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 2 It also state a consumer Reporting agency can not furnish account account without my written instructions.
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRSTBANK (AZ)

First Bank XXXX XXXX  Account XXXX I contact few time the Bank but the Representative not want to talk about this account Is Not possible for a original Creditor to Report a Balance on a Account that they Charge off because by definition of GAAP [ General Accepted Accounting Procedure ] .This Debt was been writing off to a Un Collectable and on a Company Profit & Loss Statement of the Financial Report And also can not be a Due Balance on a Charge Off
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Upgrade, Inc. (WA)

On XX/XX/XXXX I opened a checking account with upgrade because they advertised an offer of getting {$200.00} if I open an account with upgrade and make XXXX debit card transactions in a 60 day period. I made my transactions within 60 days as per the bonus requirements and terms. The only disqualifiers for this offer were to not have had a checking account with upgrade before. I have never had a checking account with them before so I knew I would qualify for this offer. 

On XX/XX/XXXX I called upgrade to ask about why I haven't received my cash bonus of {$200.00}. I was told that I met all the requirements and that they would fix the error in 5 days. 

On XX/XX/XXXX I called again to ask about why my bonus hasn't been applied to my account. I was told again by the representative that I have met all the requirements and they will get the problem fixed within 5 days. I have yet to receive anything and I am frustrated in having to call again with them taking no action in fixing the problem. 

This has been a frustrating bait and switch experience that's making me consider ending my full relationship with upgrade and never use any of their services.
Consumer complaint received 2023-03-24
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. (FL)

I have disputed with the three credit reporting agencies and these companies have refused to reinvestigate, or even validate the accounts ive been disputing as mines. it's been passed the 15 days given to them by law. they haven't responde din 45 days, and haven't sent any correspondence saying or giving updates of my disputes. and according to the fcra, they can not report anything unverifiable or not 100 % accurate.