davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
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)

see FCRA violations : Not mine : XXXX XXXX {$170.00} Closed 29 potentially negative months XXXX XXXX Original creditor : XXXX XXXX XXXX - Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 100 % Balance on XX/XX/XXXX Original balance - {$710.00} Payment Info Original balance {$710.00} Balance - Status Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX  FL XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} payment never late : please send all proof of this violations : XXXX XXXX AUTO XXXX {$10000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan I'm very sure this is a violation showing a paid account as no history of it : see attachments for proof : XXXX XXXX Unknown payment history {$0.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$2500.00} XXXX  XXXXXXXX XXXX XXXX  {$12000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment no creditor like XXXX XXXX XXXXXXXX XXXX XXXX  : or XXXX  Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$94.00} - Payment Info Original balance - Balance {$94.00} Status Unpaid Status date XX/XX/XXXX Additional info Comments - Your statements -
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (IL)

Account reporting is inaccurate. Indicates 90+ days late up to XX/XX/XXXX ... However, at the same time, it shows status of " Paid Charge off '' with last activity XX/XX/XXXX. 

If that last activity was a charge off in XX/XX/XXXX, then how was I 90+ days late in XX/XX/XXXX I haven't had this account in many years and the balance has been paid since XX/XX/XXXX. 

There are also inconsistencies. Between bureaus.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV INC. (UT)

I had a client that had multiple stolen credit cards back in XXXX of XXXX. He booked XXXX reservations with us and used a different credit card each time saying they were prepaid because he loads them from being an investor through bitcoin. The merchant service I had during that time ( First Data ) started to hold my funds without any communication on what happened. I called my credit union that I have my business account with ( XXXX XXXX ) to ask why my funds were not being deposited for the past couple days and they said they would look into it. I finally heard back from them that they were holding all the funds ( almost {$25000.00} ) due to some charge backs coming through. When they told me the dates and amounts I was able to figure out that it was the client with the prepaid credit cards that he said he had. All his transactions came out to around {$2800.00}. Since this situation I have signed up with a different merchant to keep business going and I take better precautions with getting all the information for every transaction that comes through. I don't accept any cards that a client says is prepaid anymore and I will only accept major credit cards. The bank says they have no control over this merchant releasing the funds and they don't have any answers on where my money will be released. All the charge backs have happened and I have paid everything back for that client back in XXXX. I also didn't get clear communication on fighting the chargebacks and lost the money that client had stolen from missing the window to fight them. I would have if the person at the bank told me clear communication on what to do. I understand that this merchant wanted to hold funds from what happened but to hold that much money and to keep telling the credit union that they will reevaluate releasing the funds and then nothing happens is getting me concerned. I have all the email correspondence on this from the past couple months that I can send in as well. XXXX XXXX told XXXX they would seek legal on this merchant but have failed to do so. Please let me know what other information you might need. Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

I called Citizens One Bank on XX/XX/19 after receiving a letter stating I could refinance my student loans at a fixed rate of 3.45 %. In the past I had refinanced my wife 's student loan with Citizens One and wanted a better rate. I gave all of my information to the representative I spoke with ( both my wife and myself have little debt and high credit scores ). I was told the best rate I could get is 5.99 % on a 5 year term. I disconnected the call, but decided to call them pack and pursue a CFPB complaint for a " bait and switch '' scenario. With my financial information I provided there wasn't any reason why I should NOT qualify for their best advertised rate. I spoke with XXXX XXXX and began the conversation informing him that I needed some information for the CFPB complaint. He was very helpful and asked if he could help. We walked through the same numbers over the phone and I was suddenly able to get the fixed 3.45 % rate. XXXX was so helpful, that I decided to request to pull in the remaining balance from my student loan and consolidate it. XXXX set everything up and the loan was approved. I informed XXXX that both student loans were on auto-pay and they were getting paid in a couple of days. Upon reviewing the Loan Approval Letter, everything looked fine except for " Optional Service Charges '' may apply. Nobody at Citizens One can tell me what that means, and they've refused to remove it from the contract. I spoke with XXXX XXXX who was one of the representatives ( after escalation ) that couldn't answer me what " Optional Service Charges '' might apply to my account. Additionally, the loan amount is now going to overcharge both student loans - and I've been informed that overpayments get applied directly back to the outstanding new loan balance ( at date of disbursement and no monetary loss to me ). However, when I questioned why on paper do they have to show me borrowing more money than I'm asking for - they informed me it is because their application policy permits up to 60 days for people to accept their offer and must account for accrued interest in that timeframe. I suggested that the only loan outside of their control ( my XXXX loan ) has a 10 day early payoff amount that will not fluctuate, and a logical solution to this ( in an effort to report ACCURATE information to credit bureaus ) would be to provide me with a revised contract showing the ACTUAL payoff amount - and limit their contractual offer to 10 days. This would leave adequate time for their rescind window and payoff. This option was presented and the company is looking into it, however it appears doubtful the company will move forward with an offer of the ACTUAL amount to pay off/refinance both loans. I read this complaint on a recorded line on XX/XX/19 to XXXX for accuracy.
Consumer complaint received 2021-05-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I SENT A REQUEST FOR METHOD OF VERIFICATION FOR THE ACCTS LISTED BELOW. IT HAS BEEN MORE THAN 30DAYS AND THEY HAVE NOT SENT ANY VERIFICATION TO VALIDATE ANY OF THE ALLEGED DEBTS. 

INTIAL REQUEST XX/XX/2021 1XXXX XXXX- XXXX 2XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I've asked this company to send me a copy of the original contract with a wet ink signature with the verberage indicating I agreed for any account to be sent to a debt collector because I have no business with Portfolio Recovery Associates and they've refused, also the debt in question last payment date with XXXX XXXXXXXX XXXX  is XX/XX/XXXX. Portfolio recovery is reporting this as a new account as of XX/XX/XXXX.
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (SC)

I've been disputing this " supposed debt '' for a few months now, and I've written to XXXX, XXXX, XXXX, and the company itself, but no one has responded. The account was last updated in the sum of {$1500.00} on XX/XX/2021. I have no idea where this financing came from.
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT RESOLVE GROUP LLC (NJ)

XXXX XXXX Contract Resolve Group, LLC. 
XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Ph : XXXX ext. XXXX Fax : XXXX XXXX XXXX This man has called my office multiple times a day, Called my employees multiple times a day. called my cell phone multiple times a day, called my elderly parents, my brother every family members concerning a business debt that none of my family are involved in, he has been harassing us for over 2 weeks now with phone calls and emails as well.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (WI)

I have been making payments and some times late. But I always bring paytments up to date.  The card has been closed for some time now. But I am paying it off. I am on a fixed income and can not pay it off in one pament. So I wish they would stop calling every two to three hours about these patments when Im sending their money. If I could pay them in one payment I would.  Thank you for any assitance you can give.

XXXX XXXX
XXXX
Consumer complaint received 2018-02-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I took out an auto loan with USAA on XX/XX/XXXX, XXXX at some point in XXXX i fell behind on 2 payments due to a financial hardship. I lost my job. The account almost went into collections and we we came to an agreement that once I made my payment for a chargeoff on XX/XX/XXXX they would remove this remark from my credit report. 

They still haven't removed it yet. I have been trying to rebuild my credit ever since XXXX and every single time I apply for anything ( even simple store cards to build my credit ) I'm always getting denied. 

I have learned a lot about credit over the years and I'm just looking for a fresh start. I've been trying to build credit since I was XXXX. I'm now XXXX. This is the only loan I've ever taken in my life and I've never had a credit card before. I do not feel that this one mistake in the past should reflect my credit score as a whole. I'm starting a family and having this resolved would greatly help my situation.
Consumer complaint received 2021-07-16
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: WELLS FARGO & COMPANY (NY)

the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-04
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. (CA)

I am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having two accounts in negative standing appearing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX & XXXX XXXX. Neither of these accounts belong to me nor do I have any written/verbal contract with those companies. I did not open any account with those companies and I did not allow anyone else to open any account in my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a complaint with the CFPB as well as a police report regarding these unauthorized accounts.
Consumer complaint received 2021-04-03
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: Columbus Finance Inc. (OH)

This is my second dispute and Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : COLUMBUS FINANCE INC # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2021-07-16
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. (NC)

Someone broke into my dorm room and stole all my stuff including my ID and social. I have unauthorized inquires on my credit report. I have filed a report & attached.
Consumer complaint received 2021-05-26
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: World Acceptance Corporation (AL)

Hi. This dispute is in response to XXXX XXXX XXXX 
I have a fraudulent account on my credit report that's reporting, and the 3 bureaus wont remove it. I have disputed this account over 5 times with each bureau. The account was opened in XX/XX/2018 around the same time I lost my wallet. I have contacted the creditor also. And they won't delete it. Why am I being punished for a charge off account that I never had? I even sent a police report to the 3 bureaus letting them know I lost my wallet and had a fraudulent account on my credit report. I am suffering during these times because of that unknown charge off account. It's hurting my ability to purchase a home. I have never defaulted on anything. I have perfect payment history. No collections. Why would I default on a XXXX dollar loan? This just doesn't make sense to me. I refuse to pay for something that isn't mine. I need this removed. 

XXXX  World Finance Co  # XXXX. XXXX # XXXX. DATE XX/XX/18. BAL {$310.00} XXXX WFC. Acc # XXXX DATE XX/XX/18. BAL {$310.00} XXXX World Finance Co. Acc # XXXX DATE XX/XX/18. BAL {$310.00}
Consumer complaint received 2021-04-03
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. (OK)

XXXX has not only failed to respond to dispute letters which I have proof of sending, but now they have failed to respond to a CFPB complaint within the 60 day time limit. Please remove account from my credit report.
Consumer complaint received 2020-11-23
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. (IA)

on XXXX and on XXXX I submitted a dispute on this bankruptcy that is on my credit report with the proper documentation. Both times it was sent back as accurate. it is not accurate at all. I have the docket to prove it isn't me and it still remains on my credit report.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was trying to cash a {$2000.00} check from a guy that I met on an online dating website. It was stupid, I know that now. But anyways I thought I would open a bank account with part of it and the rest I would send back to him. I learned from my mistake. Looking back over it now I can see all the red flag signs that I chose to over look. But it obviously turned out to be a fraudulent check. I have since tried to be a better person. I don't do any online dating and since been trying to clear my name.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage company. I just refinanced and o cant get anyone on the phone, email. 

I sent certified letter with check after weeks. 

My prior loan was XXXX  and I had no problem getting them on the phone. 

I need you to get them to be accessible!
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

Someone tried to open two bank accounts with XXXX XXXX XXXX this morning in my name. When I attempted to freeze my credit Experian would not do so and said I would have to submit paper copies of multiple forms of ID and a police report. I verified my information with their service and it froze me out.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

The bank failed to notify my town that they own my mortgage, failed to may our property tax bill on time, and when I am attempting to solve the problem I have been on hold for more than an hour and a half. They would not connect me to a person in the bank 's tax department.
Consumer complaint received 2021-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to XXXX, XXXX, and transition on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have XXXX, XXXX, and transition remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  from my credit reports XXXX
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (TN)

Us Bank closed my account on XX/XX/19.  ....  Called them on XX/XX/XXXX when I could not login to account.  Was told account was closed.  Still had XXXX in US Bank.  Went to location in TN and Assistant Branch Manager XXXX said they sent a cashiers check.  They refused to give a tracking number.  Went to branch a week later and still no check.  Was trying to be patient.  Emailed XXXX XXXX, Bank CEO, multiple times during this process.  Talked to his assistant XXXX and she said there is no tracking number for the check.  I don’t believe a bank would send out a cashiers check without a tracking number.  How am I supposed to know it was sent?  Please help a homeless veteran get his last few dollars.
Consumer complaint received 2018-03-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (OH)

I made my lease payment at the end of XX/XX/XXXX. I believe it was made out of the wrong account. Furthermore, the account that it was pulled out of was not attempted to be pulled out from for 12 days. 35 some days after payment was due, I get a call asking for payment. I am shocked. I thought that the pullout was not even for last month but for this monthly payment because it was close to XX/XX/XXXX, which I was actually angry about. I thought it had been made earlier than it was supposed to be. After rep called, I found out the truth and immediately made payment, dated that day for XX/XX/XXXX. Customer service representative waives late fee and apologizes and makes no mention of how they destroyed my credit.