davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (PA)

I was in the process of refinancing my mortgage with a new lender and my HELOC with TD Bank required that we fill out some paperwork so that they can file a subordination document. To our surprise, they would take 30 days according to an email to let us know if we filed the proper documentation. They got back to us after 30 days and at this time the rate lock with my new lender expired and the new lender wanted like {$1000.00} to extend their rate lock which I refuse to pay. TD Bank now is asking for more paperwork because of all things the new lenders information is now expired. They refuse to rectify the situation and now they will not refund my {$200.00} that I paid them to perform the subordination as they say its not refundable when in fact they haven't even done anything but look at the paperwork. This is a sham that should not be allowed to continue. 

TD apparently has not provided their employees that are working from home any method of communicating with its customers other than email exchanges. No telephones were provided to solve these issues which continuously extends and frustrates the process of trying to deal with the issue. I have personal knowledge of preparing a subordination from a prior work experience and they not treating customers fairly or properly.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Equifax is still reported account from XXXX XXXX  on my credit report that is too old. The first delinquency has already exceed 7 years in XX/XX/2020. XXXX  and XXXX  deleted from my credit report on XX/XX/2020 but problems with Equifax as usual. Its not like the creditor tells credit agencies okay go ahead and delete from XXXX  and XXXX  but not Equifax. Equifax needs to follow FCRA and remove old information. I have proof that it has been deleted from XXXX and XXXX. I am not saying the debt is not valid but I am saying that Equifax needs to follow the law. They are not supposed to be reporting debit that is over 7 years old. Equifax should not be able to report incorrect information. Everyone always says they hate dealing with Equifax and wish there was another credit bureau that would replace Equifax. They lie, misreport information, and are difficult to deal with. My credit score are like 60 -85 points higher with XXXX  and XXXX,
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Disputed account in XX/XX/XXXX, asked for verification of debt as well. I have not received any verification of the debt by company. Dispute was updated as information was correct. I am a victim of identity fraud and have had my credit locked since XXXX. I disputed the debt again on XX/XX/XXXX, once again advising i know nothing about this account nor do i know who the company saying i owe the debt too is. Updated on XX/XX/XXXX as debt is correct. Still havent received verification of the debt. Also requested a cease and desist from company and they are calling me 3 times a day.
Consumer complaint received 2020-05-09
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: REGIONS FINANCIAL CORPORATION (TN)

Authorized User on the REGIONS BANK - I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In attempting to access TransUnion credit report, TransUnion had me create an account and provide credit card information for presumed identity verification purposes ( appeared to be a part of account creation, no product description, recurring fee details, or indication that the card would be charged by TransUnion for any amount for any paid service ). 
Process of " creating a FREE a account '' is intentionally and purposefully designed to mislead users attempting to create an account to view possible credit monitoring products, access their credit report ( possible through both XXXX  and XXXX  account creation processes and websites ). 

As a victim of the credit reporting agencies data breach, and subsequent victimization by identity theft as a direct result of said breach, it is both demeaning and insulting to then be victimized by a credit reporting agency while attempting to access my credit report in order to rectify the financial and personal harm inflicted by the data breach. 

While I am relatively competent navigating complex sites in order to find the information I need in order to resolve an issue, the amount of difficulty I had with this incident is alarming in that the number of consumers affected by these deceptive practices ( which exist despite multiple adverse CFPB actions for similar practices within the past year ) who are vulnerable consumers, elderly, or unable to readily access a personal computer, landline telephone, or unable to lose pay in order to counteract the deceptive practices of TransUnion. 

TransUnion reference # XXXX ( account closed, refund for amount $ XXXX  subsequent to bringing up CFPB complaint process ). 
Federal Trade Commission Identify Theft Report # : XXXX Regards, XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (CA)

Due to tort and wrongful interference PayPal who is run by the XXXX. So this complaint is about PayPal and their bank by the name of XXXX has mysteriously decided to close my account with no good reason. I am using my debit card from XXXX XXXX law enforcement force under California 's Attorney General XXXX XXXX and gangs alike can all track/trace my accounts equally~~~~ all I did was buy a drawing and they all act like pigs and bigots! 

Of course PayPal has no excuse for their XXXX XXXX XXXX it's very easy to verify who I am and I'm always having to verify who I am 999 million times! Thats the excuse from the financial system it's called targeting by people who can not be in tech or police! 

This is just pure financial, harassment, discrimination and bigotry by people who should not be able to track and trace XXXX XXXX is a disgrace and so is law-enforcement and neighbors in California!
Consumer complaint received 2019-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Navient placed me into and Income Driven Repayment Plan ( IDR ) and kept me in an IDR payment plan without my consent or even an application. Also, according to my credit report, their website, and my account statements, there is a large disagreement on the outstanding balance which has the tendency to change by large amounts on any given month that are not consistent with my payments. Furthermore, the company is not putting any of my payment towards the principle of my unsubsidized loans, just interest. I was under the impression when I set up my auto-pay that I was entering into a standard repayment plan as I know that this is the most financially healthy option in the long run. The company is taking advantage of me and has placed me in a situation that is going to cost way more money. I have asked for a solution and explanations and I was told that someone would look over my account and I have heard nothing else. Why should I be expected to uphold my agreement, when Navient has not held theirs and has hurt me financially in the long run?
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

No money is involved. I was notified that my personal info may have been obtained in an unauthorized manner. Resolution was 1 free year of credit monitoring which expired and a second year was promised. When I tried to call and re-subscribe I met with no assistance, rather deflection and non response. I was told to call another number which I did on 3 or 4 different occasions holding for hours ( even when told waiting time would be less than an hour ) never to be connected. 

Today XXXX XXXX, 2019 I received notice from Equifax of cancellation of services and will not waste another moment attempting to extend services as I believe this was a hoax on their part all along. The cancellation notice gave the number XXXX. 

I repeatedly requested they call me and it never happened.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TN)

.Hello to whom it may concern, Im submitting an complaint on my behalf to dispute a list of transaction ( s ) that happened while having an XXXX XXXX XXXX at XXXX . It is from my understanding that its impossible to dispute transaction ( s ) directly with-you or thats what an agent told me anyways. So, Im asking the CFPB to be involved as a middle-man. I will not be signing any documentation or anything, I would simply just like my funds back from the merchants in which are FULLY HIGHLIGHTED IN THE STATEMENTS I ATTACHED. If you can not draw my funds back, Id like to know how you came to these terms, and your investigation process. I will only answer through the CFPB portal, no calls, no mail, no anything. My Mailing Address & Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN USA XXXX Number : XXXX Thank you very much for your understanding, and prompt response. Thanks.
Consumer complaint received 2019-02-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc. (IL)

Experian is Reporing a fraudulent loan from XXXX XXXX XXXX   account # XXXX. The account was blocked by Experian around the date of XX/XX/XXXX. Experian reinserted the information around the date of XX/XX/XXXX I still have not received paperwork informing me of reinsertion FCRA rules are a consumer must be informed of reinsertion with in five days its now XX/XX/XXXX and I still have not received paperwork of reinsertion. I know the item was reinserted because of credit monitoring service. Im seeking the help of the CFPB, FCRA, and my consumer attorney in the pursuit of relief from Experian for not only reinserting fraud on my report, that has a FTC   fraud report and attorney general report. But also for not informing me of reinsertion with in the 5 days given by law.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I contacted XXXX in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from XXXX that indicated that they ( XXXX ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail. 

I also pulled the contract that I signed and the previous statements. At no time does XXXX indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/2019, I have contacted Resurgent Capital about a debt from XXXX XXXX XXXX Account ending in XXXX. I have spoken to a representative in regards to the account. Previously, there was a dispute on the account, since all of the credit reports says LVNV funding, not Resurgent. The account has been through several companies, such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have contacted Resurgent Capital. I have previously requested information in regards to the account, and to obtain a letter, prior to payment that the account will be satisfied and paid. Previously, I have asked for validation, such as a signed agreement and contract with them, but I have never received it.
Consumer complaint received 2023-09-05
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U S DEPT OF EDXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX have all violated my rights. 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Back in 2014 or earlier I had an XXXX XXXX which was covered under my insurance. Then a couple years later I see a collections on my credit report with no notification, I disputed and it was removed. A few years later it has came back. I have never received a notice of any kind from Rash Curtis in regards to this debt. With it being removed after my 1st dispute I do not feel it should have came back on my report. Rash Curtis Associates have a really bad reputation for falsifying debt.
Consumer complaint received 2023-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NV)

Ever since XXXX XXXX ( XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX went through a software change now 2 years ago! .. their billing system has been messed up. 

I have dual-insurance, XXXX XXXX XXXX XXXX XXXX XXXX ( Im a retired XXXX  with XXXX XXXX now XXXX XXXX  ). When I receive services for care no matter what it is, I Never have to pay anything.. no Copay no CoIns, etc. because what XXXX doesnt pay XXXX XXXX XXXX. Ive been dealing with the CONSTANT bills for services for 2 years now for which I do not owe. Multiple Calls with Multiple Hours Ive taken to rectify this issue with their Customer Service Reps and even Management saying we will fix this issue with no avail. 

Now, on XX/XX/XXXXXXXX  I received a Collection Notice/Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX, FL XXXX XXXX XXXX ) saying I still owe {$45.00} for a XXXX  checkup visit I had on XX/XX/XXXX. 

Ive received Multiple bills for this visit and SO many other dates-of-service ( DOS ) as it appears XXXX XXXX can not get their billing straight ! I never paid the first/second request for payment for this DOS as I should not owe anything as Only one of my insurances was billed. Then.. I received another bill on XX/XX/XXXX, its a red bill ( statement date XX/XX/XXXX ) stating I owe {$90.00}. __I called XXXX XXXX XXXX XXXX : XXXX ) Customer Service on XX/XX/XXXX and spoke with XXXX who stated theres a {$0.00} charge - No Copay.. it kicked out the claim as a Duplicateshe will send it back thru to the Billing Dept. to reprocess. Then. 
On XXXX  I received Another red bill - statement date XX/XX/XXXXXXXX  for the same DOS XX/XX/XXXX stating I now owe XXXX? 
__I called XXXX XXXX again and spoke to XXXX who stated they did not bill BOTH insurances. She doesnt know why. She will send this to her Lead and have it reviewed. _That late afternoon XXXX called me back and stated her Leadership does Not even know why theres a balance due. They will send the claim back for reprocessing ( again )! 

Now here we are.. its now XX/XX/XXXXXXXX  - almost 1 year later ( for THIS bill ) and XXXX insurance can Not get their billing straight! ..and they sent me to COLLECTIONS! They/their IT needs to figure this out and FIX the problem! I am tired of spinning my wheels and wasting my time with these people to get their system right and basically doing their job for them. 

Please help with this matter as a Higher entity / company as yourself may be able to light a fire under their XXXX XXXX XXXX and finally get this rectified once and for all! Please. 

* Please let them know, Im also requesting from XXXX XXXX XXXX XXXX stating they sent me to Collections in Error AND they need to REMOVE any bad credit rating Off my Record! 

Note : XXXX XXXX has a system to track and followup with patients.. and Not once has anyone followed up with me since XXXX and they have the nerve to send me to Collections??? Not Right! 

Any help you can provide is greatly appreciated. 

Thank You~ XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-21
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. (CA)

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$380.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

My loan was sold to PHH in XXXX from XXXX XXXX. I had the forbiddance plan with XXXX XXXX. PHH offered me the forbiddance plan to defer my monthly payments for 3 months due to loss of income. They told me that in XXXX I could call to have the loan modification for the 3 months I deferred. I have been calling PHH since XX/XX/XXXX, have called probably 20 times, spoke to different people and no one can resolve my issue. They promise call backs and miss them and when they call nothing has been done. One promised that they submit the application for loan modification but I called recently that was never done. They also promised me that they sent the papers via email and mail and never did. I am worried that this will affect my credit when its not my fault. The 3 months is due on XX/XX/XXXX and I still have not resolution of what it will be done. This is a horrible company with no structure to handle peoples mortgage.