davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX for 8 years and I have never lived in these addresses reported on my FICO report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( 8 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 641.1 Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Ga XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

They lowered my credit limit on 2 cards. I am in the process of managing my debit to credit used. By reducing the original approved credit amounts with an existing balance it reports negatively on the credit report. I am in the process of applying for a mortgage and this contributed to a lower credit score. Creditors should not be allowed to reduce your original credit limit on your CBR.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IN)

Ive had a XXXX  card with Comenity Bank for years. I pay ot religiously every XXXX of the month. That's when I get paid. I'm.XXXX  raising an XXXX hear old abandoned child. Had rhe card to buy her clothes. They closed. I do to ie go pay. I sent them a check for XXXX on the XXXX as I always do. I noticed it hadn't been cashed when I called the automated. When I called ... they tried to tell me I owe late fees. Then they told me my account was closed in XXXX. Ive gotten NO response when I asked why. Its as if NOBODY KNOWS. I STRUGGLE BUT I SENT PAYMENT. Trying to pay them off so my credit will be better for this child. I'm so frustrated. Ive spoken to these people since last week. Just to be passed on to other people several times. I cant make another payment. Especially with a late fee. What did they do with my check! My income is XXXX dollars a month. I do the right thing and STILL they're ruining my credit. Pleas please help!
Consumer complaint received 2020-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

From the beginning of my car loan, citizen one bank made it difficult to do autopay. I had difficulty applying it and spoke to multiple representatives on the phone in regards to this issue. I have all my bills on auto and I consider myself a very responsible adult when it comes to finance. However in late last Late XXXX when I lived at my old address, I was told by a representative over the phone in XXXX I can do autopay on their site. Before this, Citizen one 's bank mobile app did not work to setup autopay nor did their actual website allow for this option and it was always an issue. I had no other way but to pay when I was called by an automated phone call by citizen saying I have to pay my bill. This frustrated me because this is the only bill I had like this and I wanted autopay. I was told in XXXX I will be setup on autopay and I was walked through how to do this by a representative and confirmed it was applied correctly. I paid my bill and setup the autopay on their old www.citizenone.com URL. I did this and set my bank account up this and let it go as of all my other bills and I make sure I have more than enough money in my accounts each month. I moved in XXXX to my new house so I did not receive mail for a couple of months but I made sure I had money in my account and everything was fine. I sound got letters at my new address saying that I was late for a couple of months. I immediately called and tried to figure out what happened and explained to them I had this setup from one of your reps what happened. They told me they have had an issue with their old autopay and website and switched it to https : //www3.citizensbankonline.com/ With no warning to me. So apparently it wasn't applied. I was extremely upset. However I paid everything and made sure my account was current. And ask to have it corrected. I was told that I can only have it corrected by sending letters to their credit department. This was back in XXXX. It has now XXXX. I have sent letters myself. I have hired a credit repair company, XXXX XXXX in XXXX only to be ignored and to pay over 600 dollars at this point to correct their misapplied autopay function. I have paid on time for 6 months after the fact with autopay and they still will not work with me. It has ruined my ability for financing for my business, refinancing for my car, new credit and I have lost my entire business because I could not receive financing due to this sole issue. When you look on the credit report the late payments are even inaccurately applied on my credit report. The days late to not match. Please help me correct this. I foolishly did not write down the names of the people I spoke with but I put screen shots showing how the mobile bill pay does not work still to this day and how consumers are told to register at that old www.citizenone.com URL when it is now the https : //www3.citizensbankonline.com/ URL I sent you.
Consumer complaint received 2022-07-22
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$52.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$160.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-02-22
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. (TX)

The account XXXX/XXXX is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX/XXXX. XXXX XXXX XXXX has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX/XXXX account must be deleted from my credit report.
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

Have not received enough information to verify the following debt. I was never contacted or received any letters by the original creditor listed that a closing balance existed. I have paid all balances with the original creditor per notice.HELVEY AND ASSOCIATES have placed a collection on my profile for the amount of XXXXI have attempted to resolve this issue multiple times with this company. This inaccurate reporting has interfered with my ability to get approved for certain financial products such as car loans.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

Santander Bank indicated that the block placed on my XXXX XXXX  Checking account ending in XXXX and my Santander Savings account ending in XXXX were removed from my accounts on XX/XX/2020. 

However that's a false claim. 

Since XX/XX/2020 I've made multiple attempts to login to both my Online Banking & Mobile Banking but both platforms remained locked by Santander Bank. 

To the Best of my knowledge, Santander Bank continues to lie to both to the Consumer Financial Protection Bureau ( CFPB ) and to the Office of the Comptroller of the Currency ( OCC ). 

Such actions by Santander Bank constitutes a clear violation of Banking Laws.

If Santander Bank continues to lock my Account, I'll have no other option but to file a Lawsuit against Santander Bank at the United States District Court for the XXXX XXXX of New York..
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions (AL)

Holloway Credit is reporting an account on my credit report. I had not previously received anything from them. I mailed a letter requesting verification and validation of the account. The company then mailed me a bill with a statement stating that I have 30 days from the date of the letter, which is dated XX/XX/2021 to dispute the validity of the debt. However, the account was reported on my credit report before this notice was sent to me. The most recent reported date on my credit report was XX/XX/2021. I sent the letter requesting validation to the company on XX/XX/2021. Only at this time did the company send me the notice that was supposed to be sent to me before they reported this account on my credit report. I have attached the bill with the statement from the company with the date XX/XX/2021 circled. I also attached a document showing where this account was last reported on my XXXX  credit report on XX/XX/2021. I know that this is a violation as the company is required by law to send this notice of the right to dispute and ask for validation before reporting anything on my credit report. 

Also, as I was submitting this dispute, I saw an option that states the company 's letter did not state that this is an attempt to collect a debt. The letter from the company does not have this statement on it either. So, this is another violation. I could only select one option on this complaint.
Consumer complaint received 2020-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NC)

I have been working on this issue since XXXX as we realized that there had been an overpayment on my account. I have received some information regarding my initial complaint but I have questions and concerns that have gone unanswered for nearly a month. I have called numerous times but no one can help me over the phone due to the account being closed for more than a year. This is my latest communication through the FedLoan online portal. 


XX/XX/XXXX FedLoan Servicing U.S. Dept. of Education XXXX XXXX XXXX XXXX PA XXXX To whom it may concern : I have received your company 's response dated XX/XX/XXXX, regarding the complaint and investigation submitted through the Consumer Financial Protection Bureau on XX/XX/XXXX, in received and processed towards an account ( Acct # XXXX ), as of XX/XX/XXXX had been paid in full. 
I appreciate the diligence in helping handle this issue. However, I am requesting additional information based on your review and to understand how and when a refund was processed. According to your response, the internal investigation revealed the following : A refund for payments received for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling {$2900.00} was returned XXXX XXXX, XXXX XXXX XXXX XXXX NC XXXX. This information was retrieved from the payment checks that were sent to FedLoan from XXXX XXXX XXXX XXXX XXXX online bill payment processing company. Please respond the following questions o First question is : why was the refund sent to a name and address that did not correlate to the name and address on the account? o Second question is : When was the {$2900.00} check sent? o Third question is : What traceability is there to show the refund check was signed/deposited and has cleared FedLoan 's bank account? Please show proof that this check was sent and deposited by payee ( XXXX XXXX ). 
**A CHECK HAS NOT BEEN RECEIVED BY BORROWER AS OF XXXX As of XX/XX/XXXX borrower verified current address ( which was verified and on file in the online account management settings at the time the investigation began in XX/XX/XXXX ) and a refund for XXXX and XX/XX/XXXX payments totaling {$590.00} is to be returned to borrower ( XXXX XXXX ) o What date is this refund to be processed? Finally, the payments for XXXX and XX/XX/XXXX totaling {$590.00} were verified internally to have been inadvertently sent to the wrong company o When will these payments be accounted for and credited accordingly? 
o When will this refund check be processed and issued? 
Please provide proof and/or response to the questions listed above to ensure that the information presented here in this letter is understood and communicated fully. As the borrower, XXXX XXXX, I have not received any refund for the over payment on the FedLoan acct # XXXX. The information provided in this matter are known to be factual and truthful. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (IL)

On XX/XX/2022 I submitted an online request to the Experian, XXXX and XXXX credit bureaus, requesting letters requesting verification of the debt on my report. Starting on XX/XX/XXXX, I began to receive replies stating an update was made. On XX/XX/2022 I mailed certified letters to each bureau requesting verification documentation Beginning XX/XX/XXXX, they have sent back stating everything is verified correctly. 

However, my credit report is still showing inaccuracies XXXX XXXX XXXXXXXX ( A ) ( XXXX ) 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 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (FL)

I was applying for a mortgage but was declined due to a bad credit score. I obtained a credit report from XXXX  and found out the following : ALLIED COLLECTION SERV. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. Phone : ( XXXX ) XXXX " Has flagged my account as Collections on XX/XX/XXXX, XXXX with Balance : {$740.00} XXXX  XXXX  " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX Phone : ( XXXX ) XXXX " has flagged my account as Collections on XX/XX/2021. Balance : {$740.00}. 
Both collection companies are representing XXXX claiming that I have a due payment of {$740.00} and I must pay to avoid service disconnection. Although I dont have account with XXXX I confirm that I dont have an account with XXXX and my service provider is XXXX XXXX XXXX since XX/XX/XXXX, XXXX.But for unknown reason to me XXXX keep pretending that Im XXXX client and have payment due. 
Im reporting this complaint to ask for your urgent support and required action so I can clear my credit report from these false flags.
Consumer complaint received 2022-07-22
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. (TX)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to Bureaus lack of response which I classify as frivolous, Experian, XXXX, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX XXXX XXXX Balance {$7700.00} ; XXXX XXXX  XXXX Balance {$8200.00}
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

My husband and I have an account with US bank, along with my daughter who is a minor so my name is on the account. Theres been an overwhelming amount of overdraft fees on all our accounts even though our card is locked and we havent used the account. One day theres money in the account, we havent used our card as I said, the next thing theres all these overdraft charges on there. Weve talked to the bank and all theyll do is remove one of the fees. Its like hundreds of dollars at one time making our account hundreds of dollars overdrawn. My daughters and mine account ( its one account because shes a minor ) is almost {$200.00} dollars overdrawn and she hasnt even used it! These charges are breaking us!
Consumer complaint received 2022-09-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (CA)

My loan was transferred to Midland Mortgage by XXXX XXXX company after forbearance. in XXXX of XXXX. During that time after that date, I keep getting in touch to MIdland and asking them so what going to happen with my loan, they said that your paper works are not ready they still do not know because my papers are not completed yet. but you are not obligated yet to pay your monthly payment since, they still waiting for modification, then my modification was granted in XXXX and stated in XXXX of XXXX. Now I want to refinance my house I see that I have 120+ late payment in my credit report which is avoiding me to get refinance, How is that happen? when Midland mortgage just finished my paper work in XXXX and I started paying on XXXX and I was on time paying the mortgage since then.
Consumer complaint received 2021-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NV)

IC Systems Inc originally sent me a letter inXX/XX/XXXX for a debt by XXXX XXXX. I told them that I was disputing the debt debt because I canceled the contract with the original creditor. In XX/XX/XXXX IC Systems Inc placed this debt on my credit report without them investigating my dispute.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

-I 've had the honor and pleasure of having more than three auto loans with Toyota Motor Credit in the last 9 years. Throughout our business relationship, I have honored my account agreement to the fullest. 
-This particular account has been set up on auto pay from the start of the loan. There is a 30 day late remark reporting for XX/XX/XXXX that is inaccurate. 
-On XX/XX/XXXX, I spoke to XXXX from Toyota Financial and she told me there was a credit adjustment made on this account on XX/XX/XXXX. So she said I was short {$2.00} from XX/XX/XXXX through XX/XX/XXXX. She said NOT ONCE did your company charge me ANY late fees on this account for being {$2.00} short. I was also NEVER notified that I did not make the full payment every month for almost TWO YEARS. She then proceeded to tell me that on XX/XX/XXXX a letter was mailed out stating that that I was about {$40.00} past due. I paid {$43.00} on this account to bring the account current. 
-I also have this account on auto pay, so the amount of {$390.00} was being taken out every month on time. I checked my bank account every month and it was always taken out. But since I was never notified of a tax adjustment, your company was not taking out the correct amount. 
-Your company did not properly handle this account by advising me of the tax adjustment. Every statement I received NEVER told me I was past due on this account, EVER. You can see that from your statements. Your company also did not alert me that I was past due until XX/XX/XXXX ( which is TWO YEARS LATER ) when I was well over the 30 days! 
-Your company sent me a detailed denial letter that I have attached. The information in that letter is wrong and let me explain why. 
-So again, from XX/XX/XXXX through XX/XX/XXXX, your company stated I was {$2.00} late every month. You stated that you sent out correspondence about this tax adjustment that I did not receive as I told your company to send correspondence to my mailing address XXXX XXXX  XXXX, XXXX, Ca XXXX. You continuously send documents to my business address. The statements that I could view online NEVER stated I was short or late on any payment until it was {$43.00} past due. The way your system generates this information is a bank error right there. I can see all my automatic payments being made, so since I was not informed that I was short every month for two years, then one would assume I am making ALL my payments in full and on time. 
-You stated that you contacted me repeatedly at XXXX. That is not my business phone number as it is XXXX. You also stated you spoke to XXXX XXXX on XX/XX/XXXX when it was well over 30 days pat due. You also gave someone information that is not authorized to speak on this account. So you have violated my consumer rights. 
-Your company has absolutely NO record of talking to me about this tax adjustment at all.
Consumer complaint received 2022-09-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account - XXXX XXXX # 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