davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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. (FL)

In accordance with the Fair Credit Reporting act " UNKNOWN '' ACCOUNT # XXXX has violated my rights. 

15 U.S.C. 1681 602 A States I have the right to privacy. 

15 U.S.C. 1681 604 A Section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-05-23
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: Experian Information Solutions Inc. (MA)

US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with XXXX, Experian and XXXX.
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I have notified the credit agencies that I was a victim of identity theft. Equifax is the only credit agency that has not complied with the rules and regulation to remove the Time Payment account from my credit file. Please help me in getting this matter resolved.
Consumer complaint received 2018-05-11
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: EQUIFAX, INC. (TX)

I found a collection account for medical on my credit report that I have never been to this urgent care. I completed a dispute on XX/XX/XXXX to all Credit Bureaus and XXXX XXXX and XXXX investigated and removed. I submitted to Equifax and have received more that 15 emails stating its resolved to check dispute. When I check Equifax the same message comes up their not able to handle my request. I submitted an email to their customer care on XX/XX/XXXXand received an email on XX/XX/XXXX stating Equifax was aware of the issue and sorry for the inconvenience and gave me the link to check the dispute. I replied and no response. I received more dispute complete emails and still unable to view the dispute and its still on my Equifax report. I then received and email on XX/XX/XXXX that my case was completed regarding the dispute error and nothing has been resolved. 
I was paying for Equifax service as well due to their Data Breach and this is the service we receive.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KS)

My complaint is related to completely false information being presented to customers by CitiBank. Most specifically, the predatory and completely false information be presented to customers related to payment options on their credit cards. 

Citi bank offered a loan option called a flex loan and like other credit card companies had various promotional offers for balance transfers or purchases. I personally utilized a flex loan at 6.99 % APR for 60 months and later utilized a promotional offer for a balance transfer at 0 % interest for 10 months. My intent was to maintain my flex plan for the 60 months and payoff the balance transfer before interest would accrue. 
Citi Bank offered an option on their online payment center titled Adjusted New balance + Flex Plan Monthly Payment the description for this option was This includes your monthly Flex Plan Payment amount and the non-Flex Plan portion of your last statement balance, it does not include XXXX XXXX payments due in future months. Accompanied with this payment option is a dollar amount that represents all balances not part of the Flex Loan and XXXX monthly payment for the Flex Loan. 

On XXXX XX/XX/2023, I selected this option and made a payment of {$7900.00}, believing that his would payoff all balances on my credit card not related to the Flex Loan and one monthly payment of the Flex Loan. 

Citi Bank has instead utilized this payment to pay the majority of my Flex Loan and has left the promotional balance transfer because of their payment hierarchy. I fully understand the payment hierarchy, but this payment option was very clear about where my payment would be utilized with my balance segments. 

This action is extremely predatory, seems illegal, and is utilized to take advantage of customers so that they will have to pay higher interest on balances at a later time. I would not have paid that balance if the Adjusted New balance + Flex Plan Monthly Payment option did not exist. I fully understand that I would have had to wait for the non-flex plan balance to be the higher interest rate if this option was not available and very clear on how my segmented balances would be paid.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (GA)

To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX ( Hotel and travel ) XXXXL ( Retailer ) XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you XXXX XXXX
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This company can not validate this debt owed. They failed to tell me what items I purchased or services that were given to substantiate that I owe any amount. 
( XXXX ) I did not authorize them to have any medical records regarding my visits and treatments including hospital bills without having my consent. This violates Hippa which protects us with this method of privacy
Consumer complaint received 2020-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX XXXX balance is not correct nor is it up to date. I have been trying to pay my home off early and get out of having to do business with XXXX  because of their bad business practices. I have paid my mortgage for the following months XXXX, XXXX, XXXX, XXXX and an additional {$5000.00} towards principle however they are only reporting up until XXXX. So I am going directly to each credit bureau again with documentation showing the correct mortgage balance and months paid up. I will continue filing disputes until the mortgage data is corrected.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted TransUnion repeatedly that I do not recognize inquiries and that I did not authorize them. I have sent in police report and several letters that I have written to the companies. All to no avail. This is the type of predatory consumer bahvior designed to keep us in debt.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I made a deposit to my account on XX/XX/XXXX at a pnc atm for {$7500.00}. I then received a notice that the deposit was being held because the check appeared altered. I did not write on nor alter the check, I was told that I was attempting fraud on the account and that's why it was being held until XX/XX/XXXX. I checked my account on XX/XX/XXXX to see if the funds were in fact released, I was then transferred to XXXX in the loss avoidance department who proceeded to tell me that the hold was on the funds until XX/XX/XXXX. I asked her if it was customary to hold a check for 6 weeks, to which she told me yes, if the check appears to be fraud. I stated that she is accusing me of fraud. She also stated that if I had a problem with the check I should reach out to my bank. I advised her that PNC is my bank and I am reaching out to you. She then hung up the phone on me. I have called in to the customer service department several times regarding this check, I was told by one loss avoidance associate that if I provided the number to verify the check that it would be cleared. I did that and was told the number was unacceptable. The check is from a lawsuit that I was a party in. The settlement claims administrator can be contacted at XXXX XXXX XXXX, XXXX XXXX. I understand a reasonable hold but to be accused of fraud and to then have an item placed on hold for over 6 weeks seems to be punishment for being a PNC customer, on top of being disrespected by being hung up on. Also, if I am being accused of altering the original check why wasn't the original requested to be sent from the branch to loss avoidance so that it could be seen in person. I have also deposited a separate check from the settlement drawn from the same bank which PNC cleared. I have not received a separate letter for the 6 week hold. I requested my check be returned to me and was told that it could not be returned.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (PA)

Macys/DSNB has BROKEN THE LAW and violated my consumer rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Macys/DSNB is illegally reporting that I owe an alleged debt of {$8600.00} for account ending in XXXX. Macys/DSNB is reporting inaccurate account information to the credit reporting agencies. When requested by the credit reporting agencies to validate and or verify the information furnished on my credit report, Macys/DSNB continues to report the account as accurate. This account was sold to a debt collector on or around XXXX XXXX and Macys/DSNB continues to report to the credit reporting agencies that the alleged debt is still owed to them. Please See attachments XXXX debt collector and Macys Cease and Desist.
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2020-06-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed by mail with Transunion. I disputed with 609 letters by XXXX XXXX and XXXX and since now. But they haven '' t send me any letters about what was there investigation results i and i had to call them every time i send them a letter because if not they wont send me anything but today i called XX/XX/XXXX too see what was the results and they said that they were verified and i ask them how did they verified and what proof do they had and the rep from Transunion told me that they don '' t deleted stuff that the ones that deleted the stuff its XXXX XXXX XXXX  that there the ones that deleted items and investigated not Transunion so this is why iam making a complain because Transunion has not verified they just go for what XXXX XXXX XXXX  its telling Transunion. XXXX XXXX XXXX  Account XX/XX/XXXX # XXXX, {$470.00} XXXX XXXX XXXX  Account XX/XX/XXXX # XXXX {$320.00}
Consumer complaint received 2019-03-28
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)

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-12-17
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: REGIONS FINANCIAL CORPORATION (MO)

XXXX has been non-compliant with removing the unverified account REGIONS BANK XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that REGIONS BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CT)

On XX/XX/XXXX I made a payment for {$2000.00}, that payment amount was a mistake. My monthly payment is {$250.00} a month. I am an XXXX veteran with XXXX XXXX and did not notice this mistake until XX/XX/XXXX when Ally Financial contacted me because of late payments on the account. That day since I noticed the over payment I told them to take the payments that were due from the {$2000.00} and refund me the rest. I called again on XX/XX/XXXX to check the status of the refund and payments and they told that they needed another 24 to 48 hours to complete the process. I called again today XX/XX/XXXX and they said that they applied part of the {$2000.00} to the months past due and the rest they applied it to the principal balance of the loan. They do not want to refund me anything and did not authorized the transaction to apply the remaining part of the {$2000.00} to the principal.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/18 betweeen XXXX and XXXX XXXX I went in the TD Bank Branch on XXXX XXXX and XXXX XXXX in XXXX XXXX, NY to make a CASH deposit for {$1500.00} with the teller. The next day when I checked my account the deposit was not made. I don't have the receipt of my deposit. I spoke with XXXX XXXX about my issue and he assisted in the investigation. He looked at the Banks cameras from XXXX to XXXX, but he did not recognize me coming in the Branch.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

XX/XX/XXXX Notice from DC for tax bill not paid for first half. Contacted XXXX XXXX XXXX, my loan servicing company. They asked to fax the bill with my loan number, which I did on XX/XX/XXXX. 

XX/XX/XXXX Notice from DC Notice of Delinquency and must pay by XX/XX/XXXX or my house would go to auction. 

XX/XX/XXXX contacted customer service, submitted documentation and was told someone would call back within 24 hours. No call back. 

XX/XX/XXXX called back and finally got escalated to a supervisor, XXXX XXXX. She again loaded the documents and " escalated the matter ''. She said it would be worked in 3-5 days. 

XX/XX/XXXX I spoke with XXXX XXXX again, still not resolved. 

XXXX XXXX XXXX has now missed three tax payments, this is clearly a violation of their responsibilities as my loan servicing agent. They are the ones that insist on the escrow but are putting my home at risk. What if I was out of town and didn't see this notice, I could lose my home. 

I must have action by XX/XX/XXXX to avoid my home from going to auction. Their failure to pay {$2800.00} in fines. I can pay this but I will then have to sue them to get it back. This is plain incompetence that has caused me tremendous stress and time.
Consumer complaint received 2023-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

Since XXXX XX/XX/XXXX Freedom Mortgage has not been in compliance with RESPA and continues in its escapades of mismanagement, willful disregard, criminality and/or incompetence in references to compliance to RESPA. As it pertains to the laws and rules on Escrow accounts.

Section 10 of the Real Estate Settlement Procedures Act ( RESPA ) provides protections for borrowers with escrow accounts. Specifically, it limits the amount of money that a lender may require the borrower to hold in an escrow account for paying taxes, hazard insurance and other charges related to the property.

They continue to say they did not receive a lump sum paid in full even though we have numerous times in complaints to them and in letters that were sent since XXXX by certified mail to them. 

As well as the most recent certified letter sent to them on XXXX XX/XX/XXXX. 

They have charged me a late fee because they created a situation where the payment was approximately XXXX more every month. They continued to bill me and still are doing so for 3 months now. 

There was an overpayment of the taxes which I had refunded to me. I now need the overpayments because they are billing extra amounts that they claim is because the shortage was not pain in full there for the are billing me monthly installments creating continued violations of the above mentioned laws as well as FHA laws and/or any other laws that are applicable. 

Section 10 clearly says Each month the lender may require a borrower to pay into the escrow account no more than XX/XX/12 of the total of all disbursements payable during the year, plus an amount necessary to pay for any shortage in the account. In addition, the lender may require a cushion, limited to no more than XXXX of the total disbursements for the year. 

The lender must perform an escrow account analysis once during the year and notify borrowers of any shortage. Any excess of {$50.00} or more must be returned to the borrower. 


Last year they did the same thing creating an overage of over XXXX.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX 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 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 acount without my written instructions
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX, & XXXX continue to report incorrect information listed on the account XXXX XXXX Account # XXXX. There are several late payments listed that are different from each consumer agency. Neither consumer agency provided evidence that supports their claim and I do not care who is right and who is wrong I do know reasonable efforts must be made to investigate the accuracy of all information. 

TransUnion is reporting late payments for XX/XX/XXXX and XXXX + XX/XX/XXXX XXXX is reporting late payment for XX/XX/XXXX through XXXX to XXXX of XXXX XXXX is reporting late payments for XX/XX/XXXX and XXXX + XX/XX/XXXX. 

This account can not report this way and each consumer agency failed to provide accuracy which has caused me harm. I would like the evidence that they obtained to prove this information is correct. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.