davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (UT)

In XX/XX/2020 I took advantage of an offer on TargetXXXX to open an account. I then charged roughly {XXXX} to the card. I had NO communication with the bank until I called the bank in XXXX after being notified of a change to my credit bureau file by a third party. I then immediately contacted the customer service department and was told they needed to update my address, would take a payment for the full amount then waive the interest and late fees. The agent then proceeded to tell me that they city in my address was wrong but that he could not update that and the only thing he could do is attempt to send a card and replacement statements to me at the address they had on file. This was supposed to leave me with a XXXX} balance and have a card and statements on the way to me. After a few more months I logged into my third party account to check my credit for any changes and found a 30-59 days late notification for the XXXX statement. I still have not received ANY communication from the bank since I opened the account except for contact I initiated via the phone calls. I was very surprised considering I was told the balance was taken care of and not further payment was needed. After speaking to several people I found out that again I missed a payment, no statement received, and would need to make a payment for XXXX}. I asked to speak with a collections rep I updated the address to include the correct city then I asked for a fee waiver and then a supervisor. The supervisor told me she would not be waiving the interest charges due to the fact that I didn't contact them in XXXX or XXXX to make the payment for the remaining balance and that a 1 time courtesy credit for fees and interest was already given to me. I don't know why I am not receiving statements but it probably has something to do with the address on the account showing the wrong city. I explained that I live in a rural area of Utah and that if the post office received mail with the wrong city it OFTEN never arrives.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

Equifax has placed a block on my credit report making it unavailable for verification. I have faxed over and mailed my State ID and Social Security number and it has still not been fixed.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation that is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. 
APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( XXXX ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( XXXX ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & FederaXXXX authorities, the CFPB, XXXX and XXXX XXXX  associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2021-06-11
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: SYNCHRONY FINANCIAL (NY)

the following accounts are reported on my credit, without an authorization, please review them, they are hurting me Identity Theft SYNCB/PPC Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (KS)

This is my second entry because the response to my first one does not address the issue at all. XXXX is the first claim its all the details. 


TD Bank is making false claims. They sent me an adverse action letter that says I have a credit score XXXX and have sufficient credit with their bank which is not an indication of anything adverse that would deny an additional credit line increase. In their response they told me I provided that score and it is significantly different than what they have. I did not provide my credit score in the letter THEY sent me. This bank has issues with the adverse action program and the CFPB should investigate this bank and their responses.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2018 I accessed my credit report from XXXX XXXX and they reported mycredit scores of XXXX for Trans Union and XXXX for XXXX. only 5 days ago my scores were XXXX for Transunion and XXXX. I was concerned as to why i dropped 36 points in less than a week so, i called TransUnion. They would not tell me anything except that I should pay them {$9.00} and they would give me an explanation. I told them that this was absolute robbery and I am suffering because of their error. I am trying to buy a condo and my interest rates will sky rocket unless they correct my score. 
I am XXXX XXXX XXXX and worked very hard to get a good credit rating, not great but good.I have not been late in any of my credit cards or loans in the past several years and resent their being so nasty to me on the phone. 
I strongly feel that they owe me an explanation, free of charge and until they correct this I want to put a freeze on my account with them. I do not want them to report on my credit to anyone. 
Please help me.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (PA)

ATTN : To whom this may concern Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : ACCOUNT NAME Southwest Credit Systems ACCOUNT NUMBER XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this complaint ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the account from my consumer report without prejudice. 

Warm Regards, XXXX : XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2018-08-13
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AK)

Portfolio has been disputed and refuses to validate. They send their own typed up letters and computer printouts of statements over 4 years old. There is absolutely nothing on my credit reports that show any charge offs that Portfolio is claiming to collect for. They are now refusing to validate any thing else which now they are violating my rights.
Consumer complaint received 2021-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. ()

We had asked for a Loan Modification with PHH MORTGAGE XXXX  and I sent in everything for it on XX/XX/XXXX and just spoke to a representative on Wednesday the XXXX and they are still charging late payments and also sending it to the credit bureaus when we were under a forbearance plan due to XXXX! My wife is recently diagnosed with XXXX  XXXX and XXXX and XXXX due to her having XXXX  last year! PHH MORTGAGE ALSO REFUSED TO PUT US ON ANOTHER FORBEARANCE EXTENSION. We had only been on a forbearance since XXXX since we made our mortgage payment for XXXX. They have had multiple lawsuits against them due to this same problem! And I have sent multiple emails to the company and they have yet responded back when we asked the first time about the forbearance extension.
Consumer complaint received 2019-07-30
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. (SC)

They have an address down for my current address that has never been my address before, and there is a collection account on my credit report that is from identity thefts with my XXXX account and a line of credit I didn't get and {$300.00} worth of items were purchased I didn't get I didn't find out anything about it until I was called about owing all that money and I was told someone did make one payment on it but it wasn't me
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

This address, XXXX XXXX XXXX XXXX XXXX GA XXXX, does not belong on my credit report. I originally disputed this information with both XXXX and Experian. The original FTC is # XXXX and this was filed XX/XX/21. The original CFPB is # XXXX for Experian and # XXXX for XXXX. The address still appears on my credit report and should be removed immediately. This is a fraudulent infomation on my credit report. I never received any documents or response from the first complaint. It only asked for additional time. I never received information about the dispute via email or mail. This is a violation of the consumer protection laws. Any items used to verify a dispute must be sent to the consumer. These documents were never sent. The original files are attached.
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company (MI)

FREEDOM MORTGAGE INC reported a late mortgage payment for the month of XX/XX/XXXX which is a negative mark on my credit score. The payment was late due to their entire website being under maintenance for all of XXXX and most of XXXX. Their website being down disabled all attempts at making a payment through their archaic website that looks to have been developed in the late XXXX. I took proactive measures with FREEDOM MORTGAGE INC to resolve this issue internally, including : offering to sign up for auto-pay with my bank, making advance payments for the months of XXXX, XXXX and XXXX. 

They outright refused all of my very reasonable requests. I am filing this complaint because they took almost no responsibility for their website downtime ( in XX/XX/XXXX, where everything is digital ), and refused to remove their derogatory mark on my credit report with the three major bureaus. This company needs to take responsibility of having a functional website to accept payments when they have zero leniency on late payments due to faulty web design.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

XXXX Balance : {$12000.00} Please be advised you are in direct violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( e ) ( ii ) I have contacted and reached out to your company to no avail. This loan has completed the rehabilitation process DELETE this account now from all consumer reports
Consumer complaint received 2022-12-03
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. (DC)

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

My problems started when my husband died in 2010. 
Multiple XXXX XXXXXXXX XXXX cards came to me. Despite paying them off and ending them, the institution wanted to send me more. 
After that, I had a XXXX advisor with contraindications involving my accounts. 
I had a life insurance policy cancelled due to many people finding out my info. It was also after I broke up with a relationship. Much of my data got out. XXXX was a large part. As well as dating sites. 
Then my XXXX accounts were found covered up by a translucent page of beneficiaries not mine. I then switched to PNC. Where I havent be able to have any control over my cards or accounts. Im lacking support through the entire affair. 
I had many suitors that came up online which was irregular. Thats mostly it but I also had security systems involved that had someone gaining access, and into my home. I actually have a letter into my fiduciary advisor and their fraud team. I havent heard back. I also lost my family, friends, coworkers, job, neighbors as well. I dont know what happened. Any help is appreciated. 
XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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. (GA)

I have sent several disputes in to dispute a account that is inaccurately still reporting on my credit report. It has been deleted off two of the three reports. They have failed to properly investigate this account and continue to send a automated response. The account is No name Acct # XXXX, {$340.00}, XX/XX/2021.
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMT Solutions, LLC. (PA)

CEASE and DESIST- Hello and thank you for confirming that XXXX XXXX XXXX XXXX PMT XXXX, LLC is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including XXXX XXXX XXXX XXXX  PMT XXXX, LLC . Since XXXX XXXX XXXX XXXX PMT XXXX, LLC decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).

Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation. XXXX XXXX XXXX XXXX PMT SOLUTIONS , LLC as confirmed is a debt collector who failed to comply with and violate the Fair Debt Collections Practice Act ( 15 USC 1692 ), 18 USC 1028, 18 USC 1028A , 15 USC 1692a, and violated 15 USC 1692c ( a ), is liable to me in the amount equal to XXXX XXXX XXXX XXXX XXXX XXXX  ( {$5000.00} ) by Law !
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NC)

I am having trouble getting credit. No one will give me a credit card. My credit score has not moved in months and I am trying to buy a home. I think my credit has been taken by family or friends, also bank accounts have been hacked on money is being taken out of my account. Please review. 

XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX ss # XXXX
Consumer complaint received 2019-11-13
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. (CA)

I disputed inaccurate information that was showing on my report named XXXX  XXXX XXXX XXXX. A credit card that was closed and paid off. two of them XXXX and XXXX  XXXX  are both closed accounts, XXXX has a duplicate account and should be removed and they are reporting as still open with the bureaus. They keep telling me that it is accurate when i have proof that it is not and its hurting my score and i keep being denied from other credit card companys. I disputed a auto account that also is incorrect, This account is showing as a duplicate account called XXXX XXXX this account was bought by XXXX XXXX and these two accounts should be merged and not seperate in my account.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

This company Fair Collections and Out has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XXXX/XXXX/XXXX in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

This is an ongoing situation that is far more then my bank. Its my son my brother his wife. They all have fraudulently destroyed my youngest son SSI and my payments. They have comprised my cable and hacked our devices. They have planted things in my unit destroyed both vehicles twice. My mom left me beneficiary after her death. They have destroyed my mail and hers. They are impersonating me with social security, XXXX and XXXX. I have made a report with Federal Trade Commission. They gave me a reference number. Tried making police reports but phone keeps disconnecting do to monitoring. I my keys and wallet has come up missing in the past. Online shopping in my name unauthorized. PLEASE, whom ever gets this, PLEASE HELP ME. My life and my youngest sons life is in danger. I have contacted prosecutor XXXX XXXX office for help and was told to seek a probate attorney ASAP because she felt I was in danger as well. I tried contacting XXXX  to block my credit report, no luck. I have no one to go to for help. I desperately need help with this. I have done nothing, this is all about my mom and our closeness that her and I shared. My email accounts are hacked. All of my phones ( 7 ) has been compromised. This is the eighth phone in 1 1/2 years. Please someone help me. I am constantly getting scam calls EVERYDAY .... please help me.