davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
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. (GA)

I had an account with XXXX 5 years ago which included a cellphone and hub device. The hub device wasn't compatible with my account so I brought it back and cancelled my account. The store was not a XXXX corporate store. A month later I get a call from XXXX 's billing department saying my bill wasn't paid and I responded that I had brought the equipment back to the store and that the store said they closed my account. XXXX corporate stated the store have the authority to cancel an account only the retention dept has that ability. She told me that I could pay the bill over the phone and then she would close out the account. I paid the bill even though I didn't have the equipment and only used it for a few days. Months later a collection shows up on my credit report from XXXX and when I called they said I had an early termination fee that I for the equipment that was incompatible for my car, but I wasn't told that when I cancelled in store or over the phone. I then paid the early termination fee to XXXX because the XXXX collections dept said over the phone that they are sorry but will delete the collections. I paid for equipment I didn't use then paid for an early termination on the same equipment to avoid getting a collection and they gave me one anyways that says Paid. All this was evidenced by my billing history with XXXX.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (MD)

Alliant Credit Union locked me out of my account on XX/XX/19 after they called me inquiring about a recent transaction which I politely informed them that that's none of their business and hung up the phone. I've already filed a XXXX complaint a week ago but they don't seem to be taking that very seriously.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 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 2020-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group (NJ)

My children signed up for instruments at school and ended up not wanting them anymore. I lost my job and was out of work for a while. I tried to make payments and stay current. The company sent my account to collections. They imposed fees of almost half of the debt on top of the debt, never sent me any notice about the debt and just put this on my credit, i was making payments and when i tried to contact them finally they more than doubled the amount due and will not reflect any payments i have already made to them!
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

JEFFERSON CAPITAL SYST {$1400.00} Reported to my credit XX/XX/XXXX, shows opened on XX/XX/XXXX I am part of the XXXX breach, I have no knowledge of this account and do not use XXXX. I requested written documentation from this company on XX/XX/XXXX and XX/XX/XXXX. I have no correspondence from them since my letters were sent. I would like this collection removed from my credit reports XXXX and XXXX.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/2023 I transferred {$1500.00} to XXXX XXXX 's Wells Fargo bank account which he said he never received. A letter from my bank manager sent a letter to Wells Fargo, but Wells Fargo refused to confirm if the money was received. 

All attempts to contact XXXX XXXX proved futile.
Consumer complaint received 2024-03-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

I have a zombie second mortgage I'm being sued for in the county I live it. The property went into default in XXXX and it was foreclosed on in XXXX. I was evicted from the property and have not heard anything on this debt from XXXX. I have since moved on and was not aware of this debt. It was removed from my credit history and I have been able to rebuild my credit and purchase a new home. 

The suit claims it is with Citizens Bank NA. Even though I was working with XXXX XXXX at the time to refinance the mortgage. However, in XXXX I received a car loan from that same bank. They didn't flag my information at that time to inform me that I owed Citizens bank NA. 

I though this mortgage crisis was behind all of us. The banks got away with it. None of them when to jail for mortgage fraud or predatory lending. The servicers didn't work with borrowers in good faith at the time of this crisis. So much for HAMP and 2MP. The banks get the bail out and we still have to deal with the mess 14 years later.
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NC)

Since XXXX, I have been trying to verify and activate my target red card. Every time I have done so, it has given me an error screen. Upon calling customer service, each time I am redirected to a different number in which I am given three options to choose from, all of which do not help me. 

Last week I finally got into the website to pay, and my payment was refunded and my balance due is still shown. I have been charged with an extreme amount of interest during this time and my credit score has tanked. 

Now, there is no window to actually pay the card. Instead, I am given a bunch of links to reset my passcode, the same phone number that doesnt help me, and a few unhelpful instructions.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I had not knowledge of. I went to the police and filed a police report report and an FTC report as well. I'd like you to help me resolve this issue, Thank you.
Consumer complaint received 2024-03-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : JEFFCAPSYS XXXX {$1000.00} XX/XX/year> 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION (GA)

I have a mortgage with truist my mortgage payments have not been reported since XXXX  I called the mortgage company they told me to file a credit dispute they sent me a letter acknowledge that the information but still have not reported it to the credit bureau
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (SC)

National Credit System billed amount XXXXXXXX XXXX  -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.
Consumer complaint received 2021-02-24
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. (GA)

I had an account with XXXX 5 years ago which included a cellphone and hub device. The hub device wasn't compatible with my account so I brought it back and cancelled my account. The store was not a XXXX corporate store. A month later I get a call from XXXX 's billing department saying my bill wasn't paid and I responded that I had brought the equipment back to the store and that the store said they closed my account. XXXX corporate stated the store have the authority to cancel an account only the retention dept has that ability. She told me that I could pay the bill over the phone and then she would close out the account. I paid the bill even though I didn't have the equipment and only used it for a few days. Months later a collection shows up on my credit report from XXXX and when I called they said I had an early termination fee that I for the equipment that was incompatible for my car, but I wasn't told that when I cancelled in store or over the phone. I then paid the early termination fee to XXXX because the XXXX collections dept said over the phone that they are sorry but will delete the collections. I paid for equipment I didn't use then paid for an early termination on the same equipment to avoid getting a collection and they gave me one anyways that says Paid. All this was evidenced by my billing history with XXXX.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Automatic Data Processing, Inc. (GA)

Call back in XX/XX/XXXX account had fraud activity and it is now XX/XX/XXXX and i  still have not received a card, Called on XX/XX/XXXX to get a check authenticated but i found out today that they put the wrong check number in the system. While i had the rep on the phone i asked could they send me another card and they are telling me now i have to send in paperwork in order to get my address changed which i didn't have to do the first time i got it changed. This company is giving me the runaround for my own money and i have bills to pay i have been more then patient with this company i just want my money.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit acceptance corporation has disclosed my personal information in a manner that is not allowed by law under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. my rights have been violated and I demanded they remove my information from all three credit bureaus that since they DID NOT have my permission to share my information to other non-affiliated third parties. under 15 U.S. Code 6802 section ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Non of these options was given or explained to me at the time. this practice is an a violation of my rights and demand the removal of the account from all three credit bureaus.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (UT)

I have a Gemini account that was last accessed in XX/XX/XXXX. I have made a number of attempts to long into my account with XXXX XXXX that Gemini asked me to download. 

I have not been able to log into my account and Gemini support claim my phone number ends in XXXX which I don't recall. I checked my XXXX phone records and there's no phone number that ends in XXXX. 

XXXX, a rep from XXXX emailed me and stated that : XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Thanks for reaching out to XXXX Support. 

My name is XXXX, and I am more than happy to help you with your request. 

The phone number registered at the moment is the XXXX ending in XXXX. Can you please send me a screenshot of the console? 
Best regards, XXXX XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (FL)

I am a student loan borrower with Navient, and I make my payments on time every month with no outstanding balance. 
However, Navient has called me on 3 separate occasions trying to locate another borrower who is in no way associated with my account. ( I have Navient in my contact list and they appear on my caller ID as being from Navient. ) I told them the first time not to contact me about other people 's accounts. They said " Okay '' and we hung up. The second time they called me about the same account, and I advised them not to contact me unless it was specifically about my account, at which point the caller from Navient said " What account are you talking about? '' I told them not to call me again and we hung up. The third time they called I again advised them not to call me regarding this person 's account and hung up. I have other friends who are being contacted by Navient about this person 's account who also have no connection with the Navient account in question, and I will be advising them to also file complaints with the FTC.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (FL)

Payed XXXX XXXX in XXXX being 90 days late, I have always done that and all of a sudden they wouldnt accept one payment and said you have to pay 2 payments, they block XXXX XXXX and XXXX payments on purpose because they just want to foreclosure on me, fact, they never help, different answers from each person you talk to, they even brought this guy to my house for harassment, pounding on my door and garage. They have done that twice in a week with the same guy. I wasnt around but I have the footage on my adt doorbell camera, this is harassment, my XXXX year old mom was there and she could have had a heart attack. What a disgrace!!!!!!
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (GA)

I received a letter from Credit Collection Services stating that they were collecting a debt for XXXX XXXX XXXX ( aka XXXX the car insurance company ). On XX/XX/2020, I sent, via overnight courier, and within the thirty day period of receipt of their letter, a letter to CCS, stating that the debt was disputed, and that they were not to call me, as it was inconvenient to speak with me on a telephone. This letter was sent as per my rights under the FDCPA and was received at their XXXX, Ma. office on XX/XX/2020, at XXXX XXXX Eastern Standard Time, signed for by " XXXX '' at a location there labeled as " mail room ''. 

At XXXX XXXX  on XX/XX/2020, at XXXX XXXX  Eastern Standard Time, I received a call from CCS, from an autodialer ( which I did not give permission to call me with ) using my full legal name ( which is what is listed on my Georgia drivers license and is listed as the debtor on the CCS original letter ), using telephone number ( XXXX ) XXXX, stating it was on a recorded line, and that the representative was calling from CCS. I advised the caller that they had received a letter two hours prior, which stated not to call me, and that " I hope you enjoy being sued ''. ( Please note that I have conferred with legal counsel regarding this matter, but have not filed any type of legal action. ) CCS ' direct violation of the FDCPA ( 15 USC 1692 et seq ) is the basis of this complaint. Furthermore, their office has been the defendant in multiple lawsuits, alleging violations of the FDCPA, several of being the type of incident I have described. Finally, two hours is plenty of time, in my opinion, for their office to remove my phone number from their system and to not call me.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

I have been using security freezes on my personal financials and those of my wife for 10 years, since first enabled by law. On several occasions I have needed to temporarily unfreeze all three major credits agency locks, and I have documented those steps to make the process as painless as possible. Typically, a PIN number is assigned to prove my identity, and it has shown to be effective. 

Yesterday and today ( XXXX & XX/XX/2020 ) I unfroze the XXXX and XXXX  accounts for my wife and I with no trouble at all ... as expected. Equifax, however, is another totally different situation. 

I assume that because of the failure by Equifax to protect our financial data when they were hacked, they have suspended the use of the original methodology and eliminated the use of the PIN to enable freeze/unfreeze. They now require the customer to create an on-line account. While I understand the requirement, the burden should be on them to make this as painless as possible - they should not burden me with a poorly-executed and delivered " account ''. 

My experience with setting up an " account '' with Equifax for both myself and my wife required hours of work and left us still without active " accounts ''. An agent told me on XXXX that there was a " system update '' underway, which is why, although my account creation process seemed to finish successfully, the system would not let me sign on with the credentials I provided. Prior to calling their land-line help number, I tried the process twice, with the same result : the process finished and presented me with a " sign-in '' box, which took me to a log-in screen and then on to a splash page saying my credential were bad, and if I tried three times I would be locked out. 

Today, my wife tried to create her Equifax " account '', and received the same failure. Her phone call to the help desk, which led to an hour of aggravating questions about 10-year old accounts, bank and payment amounts. The agent demanded account balances for her credit cards : they are in fact always paid in full each month! The effort finally yielded an " account ''. BUT! The account still needed to be " approved '', and she should be on the lookout for an email approving her new account and credentials. Meanwhile, her Equifax credit report is frozen and we can't proceed with the mortgage loan process we have started. 

When will Equifax get their system working? I looked on the Internet for similar experiences and found an extensive catalogue of complaints about the usability of the Equifax on-line " account '' functionality and availability going back for months. 

If Equifax can not maintain their service to the public, they should be banned from doing business. As it is, credit agencies typically demand reports form all 3 agencies. That is not competition ; it allows a slacker like Equifax to continue in existence while the other agencies might be asking " why bother '' with good service?