davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Manager stated he wasnt aware of credit being pulled and told me he couldnt do anything about it XXXX XXXX XXXX : XXXX XXXXXX/XX/XXXX Spoke with XXXX a representative who referred me the credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ComenityCBXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (TX)

Opening FAKE account in my name ( See this information after the merger between TD bank XXXX XXXX XXXXXXXX XXXX Quote " TD of running a fake account racket, much like the XXXX XXXX scam ) and charging non-payment penalties '' ) - damaging by credit score and mental stress. 

Refuse to take action after numerous calls. 

TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX Credit Card accounts involved : Account Number : XXXX XXXX XXXX XXXX ( original ) Account Number : XXXX XXXX XXXX XXXX ( opened without my permission )
Consumer complaint received 2023-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (IN)

AssetCare is trying to collect a bill for an emergency room visit that resulted in admittance to the hospital for 48 hours. At the time, because I was under distress, I did not have my wallet when I went to the ER and therefore did not have my insurance card available at the time of check in. While I was in the hospital however, someone brought my wallet and I gave the hospital the insurance information BEFORE being discharged. I never received any bills and assumed this emergency room bill was taken care of by insurance. Now I have collections on my report from Assetcare stating I owe and they have no record of insurance. The bill for the hospital stay itself however was sent and paid for by insurance.. Insurance was never billed for this claim and therefore they should not be able to collect this debt. They have ruined my clean credit by reporting to the 3 bureaus with these inaccurate illegal attempts to collect a debt that insurance would have covered had they have been billed originally.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

18 months ago I've asked PHH mortgage to remove my PMI because the house value has increased. I paid a $ XXXX appraisal fee back in XXXX XXXX XXXX and that house never got appraised. I've tried many times to get the issue resolved and I'm constantly getting the run around. Their monthly update to me is that there's no changes from the PMI department. If they got my property appraise back in 2021 I wouldn't have to pay my PMI for the last 18 months. At the moment, I have no confidence in their escalation team. I need this issue resolved and my appraisal fee refunded.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion is continuing to report inaccurate reporting a on my credit report. I am a victim of identity theft I have filed and also sent them a copy of my police report and my identity theft affidavit. Transunion has not thoroughly investigated my report. They are in violation of FDCPA, ECOA and FCRA. I have been disputing these violations up to 1 year.
Consumer complaint received 2018-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

I contacted XXXX XXXX XXXX regarding a debt that appeared on my credit reports. I sent a letter on XX/XX/2018 ( certified mail ) requesting validation of the debt with a contract bearing my signature. Resurgent Capital Services sent me 2 letters dated XX/XX/2018. One letter states the original creditor was XXXX XXXX with a balance of {$950.00} and the second letter states the original creditor was XXXX XXXX XXXX with a balance of {$940.00}. They did not send any of the information requested such as the contract from original creditors or the requested information proving they are now the owners of the debt. 

My second attempt at contacting XXXX XXXX XXXX was on XX/XX/2018, I sent two more certified letters. Again, I requested debt validation. XXXX XXXX ( XXXX XXXX ) sent a response on XX/XX/2018, well after the 30-day time limit for disputes, but there was still no contract as I requested to validate the debt. They submitted a billing statement. XXXX XXXX ( XXXX XXXX ) sent a response on XX/XX/2018, and they did not submit the contract as I requested but a billing statement. 

( Please note I was on military orders from XX/XX/2018 - XX/XX/2018 and was unable to respond promptly to their non-compliance in a timely matter. ) My third attempt at contacting XXXX XXXX XXXX was on XX/XX/2018. Again, I requested a copy of the contract for purposes of debt validation. XXXX XXXX ( XXXX XXXX ) sent met the same letter dated XX/XX/2018 again, with no contract of debt validation. I have yet to hear from XXXX XXXX regarding XXXX XXXX. 

I will update you if I receive any other communication before XX/XX/2018 which would be within their 30-day opportunity to correspond me. However, I believe they are already in non-compliance with the Fair Debt Collections Practice Act and the Fair Reporting Act because they have failed to provide the debt validation twice already.
Consumer complaint received 2018-07-22
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. (CA)

I have supplied TransUnion credit Bureau with a copy of my certified police report, a fraud affidavit and a copy of my report that was filed with the FTC to date, they continue to re-insert fraudulent information on my credit and I am in able to reach them by phone. I have to leave a message and I am told I will get a call back. 

I am requesting they remove address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I am requesting they remove the following fraudulent inquires ... they were not authorized and I don't have any accounts with the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also my credit should have been frozen and these unauthorized inquires should have not been allowed on my credit. I am also requesting again that my phone number be added to my fraud alert XXXX and the fraudulent phone number be removed XXXX TransUnion File Number XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MT)

I have contacted both XXXX XXXX XXXX  and Equifax to remove errors in my credit report many times and they will not remove this account from my credit report. XXXX XXXX XXXX  has verified this as being correct. 

This account is Account Number as it appears on my Equifax Credit File dated XX/XX/XXXX Confirmation # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXX XXXX XXXXXX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with XXXX XXXX XXXX  ( Error XXXX ). This was 24 days after the XXXX XXXX was filed. XXXX  claims this was charged off ( Error 4 ). Months Revd XXXX This was not a 6 years loan ( Error XXXX ) .Activity Designator Paid and Closed, If this was Paid off was was it a charge off ( Error XXXX ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error XXXX ). Date of 1st Delinquency XX/XX/XXXX - Date XXXX XXXX. XXXX Reported XXXX/XXXX This is 6 years LATER ( Error 8 ).

High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by XXXX XXXX XXXX. By law FCRA section 609 and 611 requires XXXX XXXX XXXX  and Equifax to report information accurately or remove the account from my credit report. 16 Errors are visible.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX  days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX  more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LD Holdings Group, LLC (TX)

Received letter from Loan Depot, XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX, dated XX/XX/2024. Which myself and wife received indicated that they had a breach in their company computer system and our personal information ( identity ) problem was included, they say they done investigation, but why are they writing to us? My wife and I never had submitted any loan with them to the best of our knowledge ( POSSIBLE FRAUD ) within this company. 
Request that an investigation be completed on this company. Will forward letter if needed. 

THANK YOU XXXX ( RETIRED XXXX ) XXXX XXXX XXXX & ( XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (NY)

In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX  # XXXX. XXXX XXXX # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states i have right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I recibe a XXXX diferent email Friday @ XXXX XXXX  Saturday @ XXXX XXXX  Sunday @ XXXXXXXX XXXX Someone open acaunt w out my consent in citizen bank
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CENTRAL BANCOMPANY, INC (MO)

A payment was made on the account on the XXXX of XXXX, and on XXXX of XXXX, but the payments were pulled from the wrong account. I was a victim of identity theft, and that account was closed. I have been dealing with this issue, since XXXX of XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

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 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 2018-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

The credit card is through Chase Bank. I have a second card through chase bank that is now almost XXXX years old, however with the card in question chase continues to hold my payments. They say its because Im a new account which is not true. They refuse to take my current history with the other card into account, as a result they have held my last XXXX payments. I pay my bill in full every week, because I refuse to pay interest. However due to chase holding my payments not only do I not have my available credit line actually available where it should be, but these holds are now lasting 7-10 days. And let me make it clear the first card with chase bank I have did NOT have this issue, AND the checking account that I pay from has been in place and used for the last 2 years with chase. I can no longer tell what I do and dont owe to my card because their holds are are making it very vague. At some point I will miss something and be charged interest in this card, which Im feeling is the reason behind this.
Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I recently obtained a home equity line of credit with BethpageFCU. They do not provide monthly billing statements prior to due date of interest payments on outstanding balances. I contacted their customer service and was told by one of their reps. in the loan area, that they do not provide statements monthly only quarterly. This is outrageous considering they expect payment monthly. Their contract they sent me states the same except they would provide monthly statements where required by law. This seems to be a violation of FACTA considering I can not verify accurate accounting of charges assessed w/out those statements to confirm the interest charged.
Consumer complaint received 2023-04-23
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. (IL)

I am writing to file a complaint regarding the failure of Experian to remove inaccurate information from my credit report. According to my recent credit report, there is information that is inaccurately reported, which is negatively impacting my creditworthiness. 

I have previously disputed this information with Experian and provided evidence to support my claim. However, Experian has failed to remove the inaccurate information from my credit report, despite my repeated attempts to have it corrected. 

This inaccurate information has caused me to be denied credit and has negatively impacted my credit score. I have made efforts to rectify this situation by contacting Experian, but to no avail.

I am requesting that Experian promptly remove the inaccurate information from my credit report and take steps to prevent such inaccuracies from occurring in the future. I also request that Experian provide me with a written confirmation of the removal of the inaccurate information from my credit report. This is not fair. Experian continues to turn a blind eye and deaf ear and report erroneous information. There are XXXX  XXXX XXXX that reside in Illinois! There's also unknown addresses on my credit report where I've never resided! Why is this legal? How is this ethical? 

I appreciate your attention to this matter and look forward to a prompt resolution. Please inform me of any actions taken by Experian regarding this complaint. 

Company : XXXX  / Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2018-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions Bank XX/XX/2017 took {$2500.00} that was legitimately mine closed my account couldn't give me an explanation only said it was someone higher up. I went in throughout the day to speak with the bank XXXX as he watched my total balance start from {$2500.00} down to negative throughout the whole day and tried to help me get access to my funds which in turn they frozen my account with zero explanation. I had zero charge backs nothing wrong with my account. But they put me at- {$780.00} and in turn it got me in bad with trying to get a bank account.
Consumer complaint received 2018-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

ISSUE # 1 : After submitting a recertification for my income-driven repayment plan, I received an email from XXXX on XX/XX/XXXX stating the following : " We were not able to process your recertification request for your Income-Driven Repayment plan. A letter will be sent detailing the reasons that we could not approve your request and next steps if you think this information is incorrect. '' I never received any such letter detailing why my IDR recertification was denied given no change in annual income. I called customer service and the agent said not to worry because my payment would NOT CHANGE until XX/XX/XXXX. This was a lie. Today ( XX/XX/XXXX ) I received a direct-debit reminder for a significantly higher payment ( more than {$200.00} increase ). 

I speculate that XXXX may be using spousal income based on XXXX. However, not only do we plan on filing separately for the current year ( XXXX ), we also have a pre-nuptial agreement stating that my student loans are not community debt. 

ISSUE # 2 : I do not believe XXXX is counting eligible payments made to my previous loan servicer ( XXXX ) toward my public service loan forgiveness ( PSLF ). I have copies of bank statements showing payments made that are not being counted by XXXX even though they were made under an eligible repayment plan.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (OR)

On my statement dated XX/XX/23, I exited an interest free period. Virtually all of my charges, not within interest-free plans, were entirely from the current period ; however, a small amount was not paid off on the prior bill. They did not apply the payment to the small old balance first, per the second part of " XXXX Allocation of payments. '' This caused an interest charge of {$160.00} because they took the XXXX daily balance owed for the entire interest free period and charged interest on that, despite the low amount still owed. 

More recently when I transferred the balance to get away from American Express 's predatory practices, they applied the balance FIRST to four plans that I had with 0 % interest, instead of applying the payment to the current balance due, which does have an interest rate. This is a direct violation of " XXXX Allocation of payments. '' Consequently, they're still showing that I owe the entire current balance, which will incur interest starting XX/XX/23 if I don't pay it off AGAIN.
Consumer complaint received 2024-03-21
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)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX written , unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX XXXX violated the terms and conditions within their contract, because XXXX XXXX XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.