davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDICO. INC (SD)

On XX/XX/2021 I received a vague threatening letter from CCB ( Credit Collections Bureau XXXX XXXX XXXX XXXX XXXX, SD XXXX ph # XXXX XXXX XXXX ) saying that I owed them money. There was a vague charge listed on the back of the bill of an amount of a supposed medical bill from a hospital with no date of when these supposed charges occurred. There was also a separate charge of " interest '' with a huge amount, almost as much as the principle, supposedly owed. ( Medical bills do not accrue interest and the hospital doesn't charge interest on medical charges. I called the hospital and asked. ) The hospital didn't know what charges I was referring to, and said they don't charge interest on medical bills. ( I didn't pay any medical bills on credit cards the supposed medical bill charge came right from the hospital. ) I called CCB on XX/XX/2021 and was hung up on multiple times by CCB reps when I asked where and when the charges originated from and where and when the supposed interest charges came from. The CCB rep hanging up on me is CCB admitting guilt of making up charges and trying to scam me. I finally did get two scam reps to speak with me, one quite threateningly, who I spoke to lastly. The first scammer rep of CCB I spoke to described how CCB 's scam works. The CCB rep admitted to me that CCB makes up " charges '' and then " assesses '' fraudulent " interest charges '' to every " account '' and then CCB reps try to collect on it. The CCB rep then tried to collect the fraudulent " charges '' from me, and when I refused he hung up.

I called back and talked to a different rep of CCB. The scammer rep of CCB on the phone then threated to sue me if I didn't pay the whole " bill '' by phone right away. He then thre
ated me, saying he would add more " interest '' to the " bill '' if I didn't pay the full amount " owed. '' The CCB rep then stated that CCB will ruin my credit if I don't pay. When I refused to pay, the CCB rep hung up on me. Both CCB reps I spoke to said that managers " were busy '' and refused to transfer my call. 

I called CCB again the next day ( XX/XX/2021 ) and was hung up on. CCB reps hanging up on me is CCB admitting guilt of making up fraudulent charges and trying to collect them. It is an admission of guilt on CCB 's part. 

I called CCB again the next day ( XX/XX/2021 ) and spoke to a CCB rep who confirmed this is how CCB operates and when I said that CCB is ruining my credit, the CCB rep stated on the phone about CCB, " it is always their fault. '' " It's always their fault. '' This CCB rep openly admitted twice that CCB scams victims all the time and ruins the victim 's credit. When I asked to speak to a manager the CCB rep said he would " place notes on my account '' and then he hung up on me without transferring me to a manager.
Consumer complaint received 2022-08-22
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. (MT)

This is my XXXX attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My checking account was breached at Bank of America. Someone took XXXX out of it then is trying to open a new account on line in my name. We got the XXXX back. We have frozen our current accounts. I am custodian on my sons account. They got a debit card in my name for his account and withdrew XXXX with different transactions using XXXX and XXXX XXXX etc. It is being investigated by the fraud department. I will have my son file a report also.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/2021 I closed my Barclays Bank credit card account. The representative assured me I had a XXXX balance and that the account was closed. I cut up the card. XX/XX/2021 I routinely checked my credit report and my credit went from XXXX to XXXX. I researched and found the closed account was reported as non-paid. Apparently from talking to multiple representatives at Barclay Bank, a charge of {$5.00} had been placed on my account after my closure. For 9 months Barclay Bank did not inform me of the charge, and kept charging interest and penalty. Prior to closing the account I insisted on my bills being sent in the mail, so I'd have a hard copy. I did not receive either a paper statement or an email statement. Three representatives from Barclay agreed with my assessment, an escalated it in the Barclay hierarchy. I understand mistakes and after 35 years of perfect credit I felt this was very simple. I also appealed to the three credit report companies, sending copies and explanations. I continue to receive form letters from Barclay saying their decision stands and they refuse to even hear my case. My case number at Barclay Bank is XXXX. Please help me. I know I'm a small customer, but this credit rating has really hurt me. I've never had a delinquent bill, and frankly, I did not make a mistake. I'm sure you have Barclay contact, but I was furnished with XXXX XXXX XXXX, XXXX, DE XXXX. I stand ready to answer any questions and will freely engage with anyone who will contact me. Thank you, please help.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

XXXX reviewed the CFPB complaint concerning account number XXXX, which was reported to Equifax. They acknowledge that while XXXX and XXXX have updated the account as requested, Equifax has not yet reflected it on the credit report. XXXX submitted another request to Equifax to report this account and advises allowing 30 days for the update. However, XXXX clarifies that they can not mandate Equifax to make changes, as updating the credit report ultimately falls under Equifax 's responsibility. The account has not appeared on my credit report 30 days after the fact. Attached is XXXX 's letter confirming the statement.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Long & Foster Financial Services, Inc. (CO)

I refinanced my XXXX  ( just under {$700000.00} ) with XXXX XXXX, closing in XX/XX/2021. I made XXXX payments to Prosperity ( XXXX, XXXX, and XX/XX/2021 ) when I received information from XXXX XXXX XXXX XXXX ( XXXX  ) that my loan had been sold to them. I registered on their website for automatic payments in mid-XXXX but noticed that my XX/XX/XXXX payment didn't appear on my bank website. When I checked my XXXX  account on their website, it showed I was delinquent for XXXX, despite the fact that I paid XXXX in full to Prosperity. I called XXXX on XXXX XXXX and reported the problem. They said they would look into it. They said it looked like Prosperity had transferred the principal amount of my payment, but not the interest. I also reported this to XXXX  XXXX the same day and received an email saying they would investigate. On XXXX XXXX, I received an email from XXXX XXXX  ( with whom I have another loan ) reporting a negative report on my credit record. XXXX filed a delinquency for the full amount of the loan balance 12 days after I reported their error to them. I have been working with them since them but they have failed to remove the erroneous delinquency report from my credit record, causing my score to drop to very poor score. This seems to be a blatant violation of the Real Estate Settlement and Procedures Act, Section C ( 1 ), which provides for a 60-day grace period for reporting to credit bureaus. I have been in contact with XXXX XXXX from both Prosperity and XXXX but they have not removed this erroneous report from my credit record. I have made all payments timely. I am attaching email correspondence with XXXX XXXX showing that they acknowledge the error.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (WA)

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : I1 also states e consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681C. ( ) ( 5 ) Section States : no consumer reporting agency may make e consumer report containing any of the following items of information Any other adv Item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
Inquires : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account : Account Number XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I called or messaged XXXX, XXXX and Transunion 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all XXXX that was not possible.
Consumer complaint received 2024-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Complaint - MOHELA failed to timely inform me of my recertification deadline for my IDR. 

Background - On XX/XX/year>, I was looking at my MOHELA account dashboard, and it showed that my loan payments are going up to a traditional XXXX yr payment plan amount in XXXX. However, when I went online to my XXXX account, there is a banner at the top of my dashboard that says " If your income has changed, you can get a new monthly payment amount. On an income-driven repayment plan, you usually have to update your income every year ( recertification ). Because of the COVID-19 payment pause, you dont have to update us yet. But if your income has changed, you can update us and get a new monthly payment amount. '' Due to this banner and never receiving information from MOHELA that it was time to recertify, I have not recertified to this point. 

On XX/XX/year>, I emailed MOHELA through their online portal the following : " Good afternoon, I was looking at my account and it looks like my loan payments are going up to a traditional XXXX yr payment plan amount in XXXX. However, when I go online to my XXXX account, there is a banner at the top of my dashboard that says " If your income has changed, you can get a new monthly payment amount. On an income-driven repayment plan, you usually have to update your income every year ( recertification ). Because of the XXXX payment pause, you dont have to update us yet. But if your income has changed, you can update us and get a new monthly payment amount. '' Due to this banner, I have not updated my income. Is this why I am being transitioned to a traditional payment plan? '' After my message to MOHELA on XX/XX/year>, I received a separate message from them on the morning of XX/XX/year> indicating that it was time to recertify. It included an attached letter which was dated XX/XX/year>. The letter stated that my deadline to recertify was XX/XX/year>. 

I have attached the following : XXXX. XX/XX/year> message from me to MOHELA regarding confusion with recertification XXXX. XX/XX/year> letter attached to XX/XX/year> message from MOHELA XXXX. Print screen of my inbox with MOHELA showing that I was NOT notified of my recertification deadline prior to XX/XX/year> 2024
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (PA)

Step 1 : What is this complaint about? 
I summited serval request to Comenity Bank to dispute the charges but was denied any resolve or remediation. 
Dispute return payment and purchase for {$10000.00} ( {$5400.00} return payment and purchase {$5000.00} ) account # XXXX. 
The purchase occurred on XXXX XXXX 2021 Step 2 : What type of problem are you having? 
Fraudulent charges to my Credit Card for {$10000.00} Step 3 : What happened? 
This return payment was a criminal act by a perpetrator who deposited {$5300.00} into my account to make purchase for computer products. After the computer products were purchase on XX/XX/2021 for {$5000.00}, the funds were removed from the credit card account ending in # XXXX. Reference Pennsylvania State police report ( # XXXX ). I never authorized payment from credit card account ending in # XXXX into the perpetrators account. That authorization to put money into the perpetrators account was authorized by XXXX XXXX XXXX. The money deposited ( {$5300.00} ) into the credit card account ending in # XXXX from the perpetrators account should have remained in the account ending in # XXXX. I file a police report with the Pennsylvania State Police. Police report filed under CAD/CASE No. XXXX. Please remove the {$5400.00} and {$5000.00} obligations from my credit card with XXXX XXXX XXXX  because these charges are a result of criminal act of fraud. 

See attached police report. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX Step 5 : Who are you submitting this complaint for? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Time Line XX/XX/2021 Deposit, PAYMENT - made in account by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Withdrawal, RETURNED PAYMENT, taken from Comenity Bank Account by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Victim, purchase and mailed equipment ( XXXX XXXX ) XX/XX/2021 Victim contacted State police to report crime of criminal fraud and theft perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Victim contacted Comenity Capital Bank to report crime of criminal fraud and theft perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX ) and dispute all transactions and charges related to the crime. 



See attachments : XXXX ) XXXX Comenity Bank Credit Card XXXX XXXX ) Dispute Documents - Comenity Bank Credit Card Sincerely, XXXX XXXX
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (GA)

According to Consumer Rights Under the ECOA, the primary right consumers have under the ECOA is to receive a response on their application favorable or unfavorable within 30 days of receiving the application and if the application is denied, receive written notification of why it was denied. In our case, we submitted an application on XXXX for the refinancing of our primary residence over the telephone with a NewRez LLC Mortgage Consultant ( Evid : initial disclosure ). Our application was denied in writing, dated XXXX but received XXXX. Their mailing envelope has an internal postmark date of XXXX when it left the building and is included in the attachments. We received the rejection via US mail on XXXX or 51 days from the date of our live application, precisely 21 days past due. This excessive time delay has hampered our ability to timely seek out other mortgage companies offering comparable rates amid fast rising interest rates. Please note our credit scores are over XXXX. Our primary residence that we are refinancing has quadrupled in value over the 25 years we lived in our home. We also own XXXX investment properties with significant equity. The mortgagor, NewRez LLC, holds one of our investment property loans. The loan processor was delayed in requesting all documentation. Further note that communications and transfer of documentation was performed via telephone, email and via their online portal. 


Files Uploaded : 1. NewRez XXXX XXXX ( zip file ) 2. NewRez late communication received XXXX requesting documents 3. Applicant 's email to Mortgage Consultant on XXXX requesting response on loan status 4. NewRez Late Rejection letter received XXXX ATTENTION : NewRez late request for documentation sent via USPS dated XXXX and received XXXX is uploaded here. We responded by sending three ( 3 ) emails on XXXX with our documentation. We further communicated the lateness of their request and failure of their portal to collect data. This evidence is critical for case evaluation. Since the EOAC portal for accepting documents is limited to XXXX, please provide an email to send files. 

Thank you, XXXX & XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit, the following accounts have violated my rights. 
XXXX. XXXX XXXX XXXX  ( Partial Account # XXXX ). 
XXXXXXXX XXXX XXXX  ( Partial Account # XXXX ). 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

On XX/XX/XXXX, XXXX XXXX  XXXX time, I spoke with MrXXXX XXXX XXXX after finding out that I had a debt collection on my credit report. I wasn't notified about this issue via email, mail, or anything. I then reached out to find out what is going on, and why I was not notified by Portfolio Recovery to prevent this from reaching my credit report. They confirmed they sent it to an address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I advised them that was not an address I have lived at since XXXX. They then said, " Well, we have a XXXX XXXX XXXX XXXX, AZ XXXX on file ''. I advised them that I never received that whatsoever. ( On XX/XX/XXXX, I reached out to the Postmaster to get a copy of all the mail I have received for 1-year. Portfolio Recovery is nowhere on the mail report showing them ever sending me a letter. ) I proceeded with a friendly conversation to ask them how can we get this handled right away and get it removed. They neglected to say anything, so I then threw it out, " What if I pay you in full right now? Can we get it resolved? '' They responded, if you pay it today, we will update the credit report to reflect a XXXX balance immediately. I asked them if they verified this information before they posted it to my credit report. They said they didn't have to as of yet because it wasn't requested. They then said, After the payment has been posted for 30 days it would be removed. I asked for that in writing before I pay the bill, they refused to do so until I paid. So, I paid the bill to prevent myself from being homeless because their line of credit is what is preventing me from buying or renting a home. I am attaching the letters that were sent to me and the information. I would like Portfolio Recovery to be Shutdown due to this exact issue. For being deceptive, misinforming, and not providing required notification prior to all this occurring. 

On XX/XX/XXXX, I reached out to Portfolio Recovery to address this issue and they refused to do anything and said, " I have no knowledge of this phone call and I will document your call and that's all I can do! '' I spoke to a Mr. XXXX XXXX. After that, I became XXXX. This company has lied, posted inaccurate information to my credit report, and never properly notified me of the issue to prevent it from getting on my credit report.