davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (OH)

I have contacted Target 's customer service numerous times in regards to getting account back in good standing but they are unwilling to work with me. I have tried to make payments on the account but they are unwilling to accept anything other than the total due and fees. I have requested to have some of the fees removed so that I could make a payment to get the account in good standing but they continue refusing to work with me. Target Acct # XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (WA)

I've disputed unauthorized accounts being published on my reports by Resurgent LVNV Funding LLC in XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have requested the following information : 1.Proof of your lawful authority to collect this debt without my consent. 
2. A copy of the original contract between myself and the original creditor, including my ink signature, that demonstrates my agreement to the assignment of the alleged debt. 
3. An original contract between myself and Resurgent LVNV Funding LLC with my wet signature. 
4. The original purchase agreement establishing my legal ownership of the alleged debt, complete with all terms and conditions included in the agreement. 
5. An affidavit signed under penalty of perjury confirming your organization 's compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
6. A verified certificate of authority and proof of your company 's licensure to collect debt in my state, including a valid license number and the registered agent or agent of service. 

Sending an account statement of the alleged debt from another creditor does not constitute an agreement between me and Resurgent LVNV Funding LLC. Anyone can create a statement and send it to anyone. That is not a contract. 

As of today, I have yet to receive a response from Resurgent LVNV Funding LLC let alone receive legal validation of the accounts being published on my credit reports.
Consumer complaint received 2023-02-23
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. (OR)

I checked my credit report just because I don't usually and found that someone has used my information to open accounts for years! I tried calling the crditors I am being given a run a round, nobody is willing to help me even though my identity was compromised.. once at XXXX, and once at XXXX, I have received confirmation from both of these companies that my credit profile was compromised. In short my credit is all messed up.. I figured I was just using cash and had no credit and here I am with a whole bunch of accounts I never had anything to do with???!? 
These accounts are listed on my XXXX credit report XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX {$430.00} limit  {$300.00} 60 DAYS PAST DUE XXXXXXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX  {$300.00} XXXX CHARGED OFF XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX opened {$300.00} limit charged off as bad debt XXXX CHILD SUP 6 late payments XXXX XX/XX/XXXX opened XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX, XXXX date opened XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX {$2600.00} XXXX XX/XX/XXXX date opened XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX date opened {$420.00} balance XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX {$330.00} XXXX  Balance {$680.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2600.00} XXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XX/XX/XXXX open {$620.00} XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Balance XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX -- Revolving XXXX XXXX, XXXX Open not more than three payments past due XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed Charge-off XX/XX/XXXX XXXX
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Newrez LLC has placed lender-placed hazard insurance on my account as of XX/XX/23. 

I worked diligently to provide my insurance information to them over the last two months. I submitted the information via their website on XX/XX/XXXX. I called them and was told the issue would be taken care or I would be contacted informing me otherwise after putting them in contact with my insurance provider on XX/XX/XXXX. 

Not once have I received a confirmation or update as to what is wrong with my insurance documentation or whether or not the issue has been resolved other than the automated emails warning me about the impending lender-placed insurance. 

They openly admit to overcharging for the insurance in their documentation and charged me XXXX annually for the hazard insurance. I suspect being extremely negligent and allowing this insurance to be placed is part of their business model. I've had this same mortgage for many years and never had an issue until they sent me these warnings.
Consumer complaint received 2023-02-17
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. (NY)

On XX/XX/XXXX I made a payment on my XXXX card. On XX/XX/XXXX I paid the balance in full prior to the XX/XX/XXXX statement date. On XX/XX/XXXX XXXX incorrectly, negligently applied a {$7.00} Interest charge to my account. According to my records it was paid off to XXXX because it was. Adding insult to injury I contracted XXXX the end of XX/XX/XXXX through XX/XX/XXXX ( hospitalized 2 times ) I am only advising of that because I wasnt even in the position to monitor this. So I couldnt have stopped what XXXX was about to do to me. They reported me 30 days late to all credit bureaus, they decreased my available credit line. This has majorly and unfairly damaged my credit. I spoke with 3 reps at XXXX the first one immediately removed the now {$9.00} interest fee. I then spoke to a rep who was wonderful she apologized profusely and acknowledged the incorrect reporting, but an apology can not fix this fast enough for me to be able to trade my car in. XXXX reps, although acknowledging the mistake, can not resolve it today nor can they advise a time frame. I have a XXXX XXXX XXXX XXXXXXXX I am an American with a XXXX. I am 100 % XXXX on SSD I have limited income and I have worked so hard to keep my credit up, to build it so I could buy a new car and XXXX single handedly ruined this. Although this is being escalated within the bank there is no resolution for repair. I have had help handling this, but what about other XXXX people who dont have help who wouldnt have realized this, this shouldnt have happened to me and I am submitting this in hopes I can even help this from happening to one more person. They charged interest that wasnt owed, they reported me 30 days late and possibly 60 ( they arent sure if that will hit yet ) and they lowered my available credit affecting my credit card usage. Thanks for taking the time to read this.
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (CA)

I signed up for XXXX XXXX through TD Bank for a line of credit for a cellphone and an additional {$11.00} a month for a phone protection plan. 

I had set up autopay directly from my bank account. The phone loan was paid off in full in XX/XX/2022. The {$11.00} protection plan continued to be charged to the line of credit after the phone was paid off, however, TD stopped accepting my autopay and a balance started accruing in XXXX. In addition to the XXXX a month, TD Bank also added a {$40.00} late charge every month since XXXX. They did not contact me nor notify me to update my autopay, nor did they notify me that they are not accepting my autopay. The first notification I got from them was a bill for over {$100.00}. 

This is an unfair and deceptive tactic, to allow companies to add on excessive fees without proper notification. They should have notified me immediately about any late payments so I could have avoided their ridiculous late charges. There was no prior message or notification that my autopay would stop working. In fact, autopay is still configured on my account but it is not going through.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I filed a dispute about a reporting with XXXX XXXX of which listed one account as being almost maxed out and another account as below the credit limit that I had recently brought down in the beginning of XXXX - of which both accounts were wrongly calculated in my credit utilization because I only have one account with XXXX XXXX  of which was a secured credit card that I canceled in early XXXX and am expecting a refund from the difference of the security deposit on the account and the balance. I did inform XXXX of this dispute of which they promised to fix. Today on XX/XX/XXXX - I checked my credit report on XXXX XXXX  and discovered that Equifax had deducted XXXX points from my credit score as it listed a change of higher utilization of my XXXX Account -of which they reported two accounts based on XXXX and XXXX of XXXX - of which had not been disputed. Only the double reporting of my account and current balance had been disputed. I had been bracing for a possible loss of credit score points due to paying off the account and closing along with the credit limit being lowered on total credit utilization but not the continuance of reporting errors and the resulting loss of XXXX points.
Consumer complaint received 2023-08-24
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: TRANSWORLD SYSTEMS INC (AL)

XXXX XXXX XXXX is in violation for stated codes below. Company has no permissible propose to furnish my consumer report according to the FCRA. None of the permissible proposes provided below are reasons that company is providing my consumer report to other CRAs.

The FCRA prohibits CRAs from furnishing consumer reports except for certain permissible purposes, Section 604 ( a ), 15 U.S.C. 1681b ( a ), and prohibits persons from obtaining consumer reports for any reason other than those permissible purposes, Section 604 ( f ), 15 U.S.C. 1681b ( f ). Additionally, a user must certify truthfully that it is obtaining the consumer report for a permissible purpose. Section 604 ( 1 ) ( 2 ), 15 U.S.C. $ 1681b ( 1 ) ( 2 ).
33. The FCRA restricts requests for consumer reports to the permissible purposes enumerated in Section 604 ( a ), 15 U.S.C. 1681b ( a ). Pursuant to the limitation in Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ) : " A person shall not use or obtain a consumer report for any purpose unless.. 
the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished.
Consumer complaint received 2019-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R J Baucum Enterprises, Inc. (TX)

I filed a complaint with CFPB on XX/XX/19 Complaint id XXXX on Edward Sloan & Associates. The company respond on XX/XX/2019 that they would close the accounts with their office and remove from my credit report. They have reported today under ESA collections and reported with XXXX   and XXXX  as a collection account. I demand these collections items be removed immediately as they do not have the right to collect or report that I owe their company money per the FCRA. I will take further action against ESA Collection AKA Edward Sloan & Associated if this is not removed.
Consumer complaint received 2023-02-02
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. (FL)

This is the third time when I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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)

Your records show that loan number XXXX was obtained and funded, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file Client Id XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am a victim of identity theft and I am requesting that the consumer reporting agencies remove the following accounts as it is unauthorized. 

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 XXXX XXXX  the listed accounts have been reported without my expressed consent and therefore is a result of Identity theft. These accounts are not related to any transactions made by me, XXXX XXXX, the consumer.
Consumer complaint received 2019-07-04
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. (IL)

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX P.O. Box XXXX XXXX, PA XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX PO BOX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Account # N/A To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 


Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2017-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a zero balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My bank card was used in a scam and I notified the bank. They XXXX by account until the issue was resolved. After all was said and done, XXXX released the account then XXXX days later placed a hold back on it. I called them to find out what was going. They asked me to verify my identity by telling them when I joined the service and when I got out. I told them I could not recall so they said I had to email my ID to them. I tried but the email would not go through. I called back and was given a other way to send it but that too did not work. My mobile access allowed me to log in to the account but could not do anything else. It did not allow my to do anything with the funds. Nonetheless, I uploaded my ID to their documents portal using my online banking and informed them that they could get my ID from there but they told me that was not sufficient. I had to send it to the email address they provided. I tried to explain that the email did not work but it was to no avail. I asked to speak to a manager and was told I had to wait 3-5 business days. I called back because I needed money from my account and after waiting 2 hours and 45 minutes on hold, the representative told me there was nothing she could do a nd proceeded to give me the same email address even though I explained that it was not working. It has been five days and I have had to borrow money because of their insensitivity and unwillingness to do anything to assist
Consumer complaint received 2023-02-23
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the items as they are fraudulent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}, XXXX XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc. (VA)

I started a debt relieve program Beyond Fiancing stated clear my debt up by certain time and still have not done it be in program almost 41/2 years and this was supposed been 3 year program
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I have been charged so many overdraft fees over the past two years ; its insane, like my account will have enough money in my account, but the bank will be slow at processing, or they will make a mistake, as a result charging me an overdraft fee. Its awful and puts people further into a hole. I have been charged over {$1000.00} in overdraft fees and everytime I call the bank tells me that nothing can be done. It is so unjust that banks can do that. I have attached how many overdraft fees I was charged in ONE MONTH alone.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 accounts 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 ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TrueAccord Corp. (MN)

On multiple occasions I have contacted that of TrueAccord related to such debt they claim that I owe. They claim to be licensed but they refused to provide me requested material and I discovered that TrueAccord is not reporting to my credit report. It is unethical for a licensed professional, or business, or collection agency, not to report their attempts and involvement to collect a debt.
Consumer complaint received 2017-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp (TX)

My due dates are on  XXXX  of each month with a bank draft. The lending club in different occasions sent the payment on  XXXX  of the month which made my checking account negative. When I ask to stop taking the money earlier their answer was this was their practice.