davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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. (GA)

On XXXX a merchant account was incorrectly reported to Equifax Credit Report. I sent a 609 letter on XX/XX/2021 and a Demand to Comply letter on XX/XX/2021 to have this issue mitigated to no avail. I wasn't given any letter, email, or phone call in this matter. I would like to have this report removed immediately off my credit report as this is negatively affecting my credit score and livelihood. There are other false reports on my letter that I would like have removed but the derogatory status is my main focus.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-01-27
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. (KY)

XX/XX/2020 for the amount of {$3800.00} from XXXX XXXX  I have contacted XXXX XXXX  and they have sent me a statement saying that the information is incorrect that they're overcharging me but they're refusing to do anything about it
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

XX/XX/2020 for the amount of {$3800.00} from XXXX XXXX  I have contacted XXXX XXXX  and they have sent me a statement saying that the information is incorrect that they're overcharging me but they're refusing to do anything about it
Consumer complaint received 2020-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (MI)

every day staring @ XXXX continually calling and using different numbers including fake numbers with my area code and city numbers. I have answered many of these calls and they are bill collectors and it goes on hour after hour and day after day. I am currently working with a company to handle this and I have told these callers this but they keep calling. 
Thank You
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NJ)

I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. You play an essential role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX   ) on XX/XX/XXXX and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Healthcare Collections-I, LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX., XXXX., in accordance with basel 3 accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2021, one of my creditors, TD Bank/Target, submitted an unauthorized payment in the amount of {$17.00} to my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ). That payment was created in Target 's online account portal on XX/XX/2021, but I did not perform that action. I did create a payment through their online portal on XX/XX/2021. The amount of that payment was {$17.00}. I did not authorize TD BankXXXXTarget to submit the second payment that was created on XX/XX/XXXX on my behalf. Since I did not have sufficient funds in my XXXX  checking account when the second, unauthorized, payment was submitted, XXXX levied a {$30.00} Return Item Fee - ACH on my account, which rendered me with a negative checking account balance. 

Currently, I am enrolled in a 12 months Hardship Program with TD Bank/Target, but their letter does not indicate any automatic payments requirement, nor does it state that they will withdraw payments on specific dates of each month. The letter simply states that I will be required ( implicitly implied ) to submit payments before my due date ( XXXX of each month ). 

So, on the evening of XX/XX/2021, I called TD Bank/Target to inquire about the unauthorized XXXX XXXX XXXX payment. The TD Bank/Target agent who I spoke to suggested that I created the XX/XX/XXXX payment on XX/XX/XXXX. I can not recall if such information is correct, because I always pay my credit card bills manually and would not enroll in to a Hardship Program that forced me to elect automatic payments. 

Ultimately, I want to recoup any all fees and/or fines that may be levied against TD Bank/Target and XXXX XXXX XXXX XXXX XXXX. I will be submitting a separate complaint against XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (TX)

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604-A Section 2 also states a consumer reporting agency can not furnace an account without my written consent. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: M&T BANK CORPORATION (MD)

I was sent a check XXXX via fed-ex. 
The check turned out to be fraudulent. I simply deposited it. 
I DID not attempt to use any funds. 
I apologized for it. The bank ( M & T Bank ) where I HAD been a customer for 21 years, asked me then to close all of my accounts, citing that after 21 years I was a high risk for simply depositing a fraudulent check. 
a ). I apologized b ). I explained how I came to get the check - the people that sent me the check were arrested in XXXX. 
c ). I made NO attempt to use the funds. 

Yet, I am the victim and now I continue to be the victim.
Consumer complaint received 2020-01-20
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: VW Credit, Inc (TX)

On XX/XX/19 My credit was run twice, once through VW Credit ( My lender on my car loan ) and once by the dealership ( XXXX XXXX ) I called VW Credit and they were not properly able to explain why the dealership had run my credit even though they were not my lender. This dealership also completely manipulated the buying process for me in which I will be creating a separate complaint.
Consumer complaint received 2015-12-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Palm Beach Credit Adjustors, Inc (FL)

they did not send me a notice of right to dispute, no information to verify debt no name of what they where trying to collect on did not say my full name only asked for first name, did not give me a speech of how it was an attempt to collect a debt ... ... after i told cease calling me cause could n't even address who they were fully asking for told me they will take the cease as a acknowledgement of the debt and a refusal to pay and hung up on me when never told me amount or original account number or what type of account they were trying to collect on.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

The WAYFAIR site offers the Comenity Bank Wayfair Card and an invitation to apply. The invitation clearly states that it will not affect the credit score negatively and that a preapproval would then advance to the actual card application. I filled out the preapproval form and WAS APPROVED for the Comenity Bank Wayfair Card. I was then notified on the pop up screen that further information was needed. My credit was indeed affected with a HARD INQUIRY by Comenity Bank.

I attempted to resolve the issue with Wayfair because they have the credit card application and invitation on their site. Wayfair blamed Comenity Bank and could not assist. Comenity Bank blamed Wayfair but it was Comenity Bank that did the hard inquiry without authorization or at the least deceptive invitation after the  preapproval which is deceptive and then advances to the credit card application that does affect the credit rating. I have repeatedly asked Comenity Bank to remove the hard inquiry. I no longer want the credit card but do need the hard inquiry removed that was not authorized and was deceptively done after the preapproval assurance that there would be no affect on the credit rating. Wayfair allows the invitation for the card on their website which can only be used for Wayfair purchases and Comenity Bank is therefor advancing credit card applications on the site so both are responsible for the deceptive invitation that assures there will be no hard inquiry.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My bus. acct is being closed by Bank of America, in XXXX, CT. within a month their reason they do not want ATM bus. I opened the acct in XXXX they were so happy to have me. Bus and personal accts after XXXX XXXX closed my acct for the same reason in XXXX, CT. I was with them for 10 years. I am XXXX years old I XXXX and XXXX XXXX XXXX XXXX one in XXXX XXXX, CT a manufacturing co in their cafeteria for employees and one at a resort in XXXX, MA. I owned that one since XXXX. The bank knows I use my own money to XXXX XXXX XXXX XXXX with an IRA. I retired after 21 years at XXXX, in XXXX XXXX, CT. I took a buy out, age XXXX in XXXX. I own my home in XXXX since XXXX. Still owe a mortgage ofXXXX. When a person takes money out of the ATM the money comes back to my bus. acct the next morning from a data processing company by an ACH that I filled out when I opened the acct. These accts are not very busy by the way but the income helps to pay my mtg. I am paid once a month by XXXX XXXX for the fees I charge at each machine. That incomes comes to me by an ACH also around the tenth of the month. The people at the branch are very nice and I only go in the most twice a week for the cash, {$2000.00} or {$4000.00}, etc. I am so shaken knowing that banks are refusing to allow our business and we need a bank. I am devastated. Can you help me please?
Consumer complaint received 2020-08-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PAID IN FULL, INC. (AZ)

I received a debt collection letter from PAID IN FULL located in XXXX, AZ. I disputed the debt. I provided a copy of the receipt from the dealership. They responded very quickly and stated my receipt wasnt enough and they need a copy of the check. This was a debt from 2015 and my bank doesnt have a copy of the check because its over 2 years old. They refused to remove this settled debt from my credit report. I dont know what else Im supposed to do.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a fixed loan at BankAmerica I just received notice that my application was denied do to that fact that I bought a property during the process. I disclosed such to the bank. 

I have a credit score of XXXX. Network {$7.00} XXXX. Been with the bank for over 50 years. 

Have an existing HELOC with the bank of $ XXXX, with a drawdown of $ XXXX. I was attempting to close this with the fixed loan. 

I can only surmise I was denied due to age discrimation. I am XXXX.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX TransUnion background information is beyond the reasonable time frame for remaining in any reporting of my driving record or other background information. Ive done what is obligated to never see anything appear on my background report XXXX is ridiculously and out right insane to report anything beyond a 10yr mark especially traffic violations and cases of which are incorrectly stated and reflection as the law has it today states it is misinformation there's nothing to expose. Any crime conviction is reduced to lowest level and these are inaccuracies and ancient and should never be allowed to be seen unless by a judge in a trial or courtroom. Please correct these things and no longer should appear in my history of any kind. Thank you
Consumer complaint received 2020-07-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kostka and Associates, LLC (WI)

In XXXX through XXXX, we had significant medical and credit card debt incurred, as well as income lost for 33 months between XX/XX/XXXX and XX/XX/XXXX. 
In XXXX, two separate judgments were entered against me for credit card debts. 
In the last quarter of XXXX, I proactively reached out to settle the debts using financial help from a family member. 
We were attempting to settle both debts at the same time in order to clear our credit completely. We had significant difficulty with one of the companies, but we received an offer from another. 
The company we received an offer from was XXXX XXXX XXXX, represented by XXXX XXXX in XXXX WI However, the other debt collector rejected their original offer and refused to renegotiate due to a misunderstanding on their end, just XXXX hours before funding was to be sent out. This unfortunately resulted in me not being able to settle any of the debts as we were unable to clear our credit. 

Initial Dates for XXXX XXXX XXXX : In XXXX of XXXX, we received a reasonable offer of {$10000.00} In XXXX of XXXX, my son and I were in an accident, which resulted in 4 additional medial bills and judgments as we waited for our lawyers to resolve the issue. 

After were were able to settle in after the economic shut down of XXXX, I once again reached out to XXXX XXXX to make another attempt to resettle our debt. 
XXXX is now managed by XXXX XXXX XXXX, not XXXX. 

Today, XX/XX/XXXX, I received an unreasonable and excessive counter offer of approximately {$16000.00} to settle the debt. 

This is an INCREASE of {$5800.00} in just over 1 year. 
My total debt has not increased HALF that amount since XXXX. 
This equates to a percentage increase FAR EXCEEDING all 5 other judgments that I have been able to resolve. 

I fully understand interest has accrued over the past year, however, a 3.99 % increase ( which is where EVERY OTHER debt collection agency is at XXXX, would result in a significantly less increase than what has been countered with. 

This is excessive, unreasonable, and far outside the amount I have available from a family member who is assisting in this settlement. 

I am prepared to settle for {$12000.00} XXXX {$1300.00} OVER the initial offer in XXXX ) and the funds will be sent within XXXX to XXXX hours of acceptance. 
I am NOT in a position of paying nearly {$6000.00} MORE than the previous offer a year ago. 

There is absolutely no standard of interest or reason for such a counter and absolutely no precedent for what can be expected. 
I am already borrowing this money. I have no retirement, no savings, and no money set aside for education for our kids. And this is not helping me and my family be able to move on from unexpected and unavoidable medical debt over 10 years ago.
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and there is no third party involved in the process. This complaint is for false reporting of misleading information.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (NC)

My wife and I refinanced our home through Movement Mortgage in XX/XX/2020. Just before closing we were told we must have an escrow account even though we haven't one in over 10 years or be charged a higher rate. ( despite a 75 % loan to value ). 

At closing XXXX collected 14 months of XXXX XXXX premium and taxes. Our home owners policy was due in XXXX. We just received a cancellation notice from our carrier for non-payment. Our insurance agent said XXXX was billed 3 times for the premium and still hasn't paid them. I have received out to Movement Mortgage and haven't heard anything. 

To resolve this issue I would like the premium paid in a timely matter and the escrow dissolved with all monies returned to us. We will pay our own bills " XXXX XXXX '' going forward.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I made a purchase at Home Depot for {$27.00} and paid this bill in full with a check for the full amount dated XX/XX/19. They did not receive the payment until XX/XX/XXXX ( they allege it was due on XX/XX/XXXX ) and charged me two fees one on XX/XX/XXXX for {$29.00} and then they charged another fee on XX/XX/XXXX for {$31.00}. I called and spoke to an automated system which " waived the fee '' and this never happened. XXXX # XXXX was a " supervisor '' who admitted that their fees were atrocious and she literally did nothing to help me. There is no rhyme or reason when it comes to the fees assessed. I didn't even receive this bill until XX/XX/XXXX because of the holiday and they did not care. They forced me to pay the fees and I find this to be criminal. This is the worst customer service I have ever dealt with in my 64 years doing business in America. Supervisor XXXX # XXXX even admitted that she has waived fees in the past and refused to help me in any way. I closed my card after being bullied, badgered and disrespected into paying this absurd and overtly aggressive late charges.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    M.S.   XXXX  ) who claim they are collecting for their client, "  XXXX   XXXX   XXXX  located in  XXXX  Illinois '', that no longer exist in the sum of some  Credit Reports says, {$2600.00}, {$2700.00} and {$3000.00}. This company reported all of these figures on my Credi  t Reports in Collection. Last year, I o btain &amp;  XXXX  dollars worth of Leasing Furniture from  XXXX   XXXX   XXXX  ( No Longer exist ) that I picked from a Newspaper in the store. I called this company immediately and told them I did n't want this furniture and asked them to please pick it up! They told me No! Once the furniture left the store I own it! I am upset that  XXXX   XXXX   XXXX  is able to cause my  Credit Score Sev ere Harm by Reporting information without providing me or TransUnion a reachable contact number ( Ph: XXXX  ) or (  XXXX  ) so I can speak to someone pertaining to what 's put on my Credit Reports. I am trying to move  ASAP  in an apartment and this information is causing severe harm. I am also asking TransUnion to remove all old information dated back to   XXXX     and up off of my Credit Report so that my score can improve.