davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
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. (TX)

I XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I want to block and remove these accounts pursuant to 15 U.S.C 1681c-2. It should not be declined, this information is not being blocked in error by me the consumer, or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block, or the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions and I didnt receive any goods. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (AL)

I was approved for an SBA loan on XX/XX/2020. The loan proceeds of {$140000.00} were deposited into my personal checking account. I was contacted by Penfed via email and informed that my loan proceeds were being returned as business transactions were not permitted in the account. On XX/XX/2020, Penfed returned some of the funds {$120000.00} to the treasury department. The funds were sent in the form of payment for my loan and not returned as I was informed due to the account being unable to perform business transactions. Penfed also notated on the cashier 's check that I had committed fraud which I have not.
Consumer complaint received 2021-11-08
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. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has now been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person. I need this problem fixed ASAP, I WILL NOT wait another 30-45 days.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (MO)

OPPLOANS has not updated Balance since XX/XX/2021 on XXXX, XXXX, and XXXX Credit reports. 

The balance was confirmed paid in full : Last Payment Date : XXXX XXXX XXXX Last Payment Amount : {$490.00} Balance : {$0.00} Hi XXXX! 

Congratulations! With your most recent payment on XXXX XXXX XXXX, your above referenced account is now considered paid off. 

We sincerely appreciate your business and hope to work with you again in the near future. Should you ever need a new installment loan, please do not hesitate to call ( XXXX ) XXXX or by logging in to your account to apply.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a bunch of inaccuracies on my credit report. All XXXX late payments have inaccuracies that don't match with all the credit bureaus. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date : XX/XX/XXXX closed date : unavailable last reported XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

Transunion : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : XX/XX/XXXX last reported XX/XX/XXXX XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported : XX/XX/XXXX XXXX XXXX XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported date : XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Account numbers don't match Open dates don't match closed dates don't match last reported dates don't match. 

I want these deleted off my report I contacted all 3 bureaus about this issue and nobody has done anything about them. By law if they are inaccurate they have to be removed. Thank you have a blessed day.
Consumer complaint received 2023-01-12
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX 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 XXXXXXXX Balance : {$2.00} XXXX XXXX XXXX  : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$5800.00} XXXX XXXXXXXX XXXX : {$2.00} XXXX XXXXXXXXXXXX XXXX : {$5400.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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 2021-11-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Child Support Recovery Services, Inc. (MD)

On XX/XX/XXXX the collection company XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MD XXXX XXXX tried to collect on a debt stating that I owed and had a balance of XXXX or XXXX. I informed them that my attorney is handling this debt since it was accident related. The representative named XXXX continued to call me and ask me for payment even after I told him I had retained counsel and she was going to pay him from the settlement money. My attorney reached out to the debt XXXX and informed them to not contact me. They continued to call me and also tried to give me a false amount to pay them when in fact their client already settled for a different amount. My attorney showed them the settlement letter for their client and they still tried to collect on a higher amount. They misrepresented the debt and also violated my rights by contacting me after I asked them not too.
Consumer complaint received 2020-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC ()

I have a loan managed by Heartland ECSI. I am doing a XXXX currently, and so I am deferring the payments while in school. However, even though I submitted a form saying I have a 3 year program, they ended the deferment early. They also make information hard to find, did not do a good job notifying me, and make it hard to submit deferment requests.
Consumer complaint received 2022-01-11
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 letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I recently entered into a loan modification trial with specialized loan servicing my payment now is XXXX .I informed them on XX/XX/2021 that my situation has changedthat the social security administration 's deemed me XXXX and that I will receive XXXX a month that and my pension from my job gives me a monthly income of of XXXX dollars.The modification I received had no interest reduction or extension of the loan terms.their response was for me to rent out rooms my house. I no longer will be making XXXX dollars year.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (ME)

Two years ago I used the Care Credit Card for XXXX work of just over {$2000.00}. I have spent close to XXXX to pay off {$2000.00} bill. The current interest charge for one month is over {$800.00}, when the amount left to pay off was {$750.00}. I am unable to pay off this debt and can not make sense of how this card works and how it would be helpful to anyone. This has been a horrible experience and I thought it needs to be shared with other. Care Credit needs to be stopped. It states that you may have 29 % interest rate, but I am being charged {$800.00} in interest in one month on a bill that was {$750.00}. That is not 29 % interest.
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (WA)

I have an auto loan with TD Auto Finance with account number XXXX. I have this loan from purchasing a car with XXXX ( XXXX XXXX XXXX  ) via XXXXXXXX XXXX XXXX. TD Auto Finance failed to send me an initial loan letter. In XX/XX/2023, when I reached out to their customer care, they acknowledged a widespread problem with their letter printing service and waived the {$50.00} fine on my account. They asked me to pay just the amount due of XXXX which I readily paid the outstanding amount, expecting them to revoke the late fee assessment. In addition, they said they have some software issues that is preventing me from enabling auto pay that I wanted to setup during the call. They asked me to check back online to see if the software update enables the auto pay in future. 

In XX/XX/2023, they had again charged a {$50.00} fee because the intial late fee assesment was never revoked and I had two late fee assesments in addition to the monthly {$990.00}. This time I made sure I paid the entire amount including the late fees to avoid this issue and checked on the auto pay option. I was surprised to learn from the customer care associate that if there's an outstanding payment, auto pay is disabled. I'll need to monitor and check back once the amount is posted. By this time, I have multiple late fees posted due to the lack of knowledge from the bank 's associate and extremely late reversal of the first late fine amount ( as seen in the attached statement history )
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (NC)

During the month of XXXX and XXXX, I worked with the XXXX XXXX - one of my banking institutions and Experian to determine why a key factor ( that had never been listed before ) cause my FICO score to drop 46 points. 

Experian uses FICO Score 9, and XXXX XXXX pulls the report quarterly. My 2019 scores with Experian had been XXXX, XXXX, and then a large dip to XXXX. ( of note, my Fico with XXXX  is XXXX ). Since lenders use FICO scores to assess creditworthiness, I explored with XXXX XXXX, initially the reason for the drop since they provide the data to Experian in order to make the report. Then I spoke with Experian about the listing of a key factor. It has not basis since Experian can not provide nor show where there is an installment loan amount that is similar to the original installment loan amount. Since early 2019, my overall debt have been reduced, particularly the mortgage loan which has been paid down substantiality through a number of extra payments. I have two loans : mortgage being paid off early ; and a line of credit that has not been used. There is NO other loan. 

XXXX XXXX said Experian could address the issue. I requested the branch manager reach out to me in a follow call and XXXX  never followed up on the matter ; Experian said they were not responsible for the key factor statement and that I can not dispute a key factor statement. Some data was entered incorrectly somewhere by someone, and neither party is addressing the matter responsibly. 

The key factor that states why my FICO dropped 46 points is enclosed. This statement is not true. 

2. The proportion of loan balances to loan amounts is too high. FICO Scores weigh the balances of mortgage and non-mortgage installment loans ( such as auto or student loans ) against the original loan amounts shown on a person 's credit report. Your score was impacted because your proportion of installment loan balances to the original loan amounts is too high.
Consumer complaint received 2019-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Roycroft Management (IN)

I have been contacted, as well as my family members, repeatedly, sometimes 10 times a day by Central Mediation Services saying that they are going to serve me with papers. They have called for over a week ( XX/XX/XXXX through today, XX/XX/2019 ) They have even told my family if I don't contact them, that they may never see me again. This is not ok! I called them and they will not provide me with documentation of the debt. I will not provide them with personal information so they hang up on me after saying some very not appropriate things. i have called multiple times only to be treated rudely and hung up on. I have asked for an address, but the address that they gave me does not come up in a search. 
They continue to call family and harass them. They tell them I have debt that needs taken care of or I will go to jail. If it is legitimate, then they should have documentation to send me. I need this to stop!
Consumer complaint received 2020-01-23
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)

I contacted XXXX XXXX on XXXX XXXX XXXX about my credit card not being reported to Transunion and XXXX. They open a investigation. I got a letter XX/XX/XXXX saying my information being reported was inaccurate and that it was be fixed in 10 business days. I called XXXX 's in XX/XX/XXXX and they say they were reporting to all 3 bureaus and to call the credit bureaus. I called the bureaus and they said they have no information being reported and XXXX needs to call them. I called XXXX XX/XX/XXXX and talked to a gentleman that called the 2 bureaus Transunion and XXXX. They told him they were receiving the information but they took the account off in XXXX because of fraud and they refuse to put the account back on my report. This isn't fair to me. I can't buy a house since they won't report. I show no history of reporting accounts.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2019 I purchased an engagement ring from XXXX XXXX in the amount of {$2000.00}. 
I specifically chose this jeweler because of the 12 months same as cash promotion I qualified for. The financing is being serviced by Comenity. 
When I received my second statement, there are interest charges on the statement in the amount of {$40.00}. 
I contacted Comenity in writing as specified on the statement if you had a fee or finance question. 
I explained in my email via their web site that this was incorrect, I was on a 12 months same as cash promotion. Comenity responded by advising they were sorry if I was confused, but they had no promotional information and then they went on to tell me how interest charges are calculated. 
I contacted XXXX XXXX where I purchased the ring and their response was to try calling Comenity and talking to them???? 
I have paperwork showing the 12 months same as cash along with the monthly payment that I would need to make in order to payoff in the 12 months that the sales manager calculated for me in the store. 
Neither business is addressing the problem. 
I feel like this was a total bait and switch scam and that I have been deceived. 
I have asked for management return calls from both companies and have yet to receive anything.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

equifax. 
spent over 2 hours trying to unlock my login got transferred under false pretenses.

unresolved after 3 attempts to contact them. 

is there a way to unlicense them for criminal negligence?
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (AR)

In accordance with the fair credit reporting act, the XXXX XXXX has violated my federal consumer rights to privacy and confidentiality under 15 U. S. C 1681 XXXX XXXX account number XXXX 15 U. S. C 1681 ( a ) ( 4 ) I have the right to privacy 15 U. S. C 1681b ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions I provided certified mail tracking which came back XX/XX/2022 XXXX XXXX XXXX
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have had only one credit card and it is paid automatically in full every month on its due date. With no warning my credit limit was lowered from {$30000.00} per month to {$8000.00} and my credit therefore overdrawn. I was refused credit and had to get money from my daughter to buy needed items even the food I purchase by the week during covid, etc. The bank informed me that my credit score with XXXX was only XXXX and therefore XXXX XXXX could no longer grant me credit limit of {$30000.00} and had no interest in my situation. This was on XXXX XXXX. I immediately contacted XXXX and they told me that my credit score on XX/XX/XXXX was XXXX. I was in the midst of a new loan, Huntington Bank took over TCF, This became almost a game. Huntington told me my XXXX score on XX/XX/XXXX was XXXX. XXXX told me my score on XX/XX/2021 was XXXX. 
I was turned down for a home equity loan, My credit limit on my charge card request for a higher limit was refused. The banker said that this was not the reason for the refusal but I do not understand how XXXX and Huntington could get numbers from XXXX that are not the same as the scores they send to me and I do wonder how to regain my credit.
Consumer complaint received 2021-04-12
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. (FL)

I sent Equifax a certified mail concerning the inaccuracy on my credit report on XXXX and they failed to investigate or provide with any information. it s been over 30 days. Violation under FCRA, since its been over 30 days and they haven t verified any items. Please remove all disputed items.