davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MO)

My name is XXXX XXXX I received email below about an account that was open back in XXXX per Rep. I inform her I never open this account and someone stole my identity, there was a fraud alert added to my credit b/c of it she stated I had to send my info her. 


NCA Account # : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX  XXXX Original Account # : XXXX Dear XXXX, We are pleased to extend you discounted offers to resolve the remaining balance on your account! Contact us for assistance on a plan that works for you. 


Here are your available options : Option XXXX Option XXXX Option XXXX Build Your Own ( Full Balance = {$1500.00} ) Save {$770.00} Save {$460.00} Save {$150.00} No savings, but Pay only {$770.00} if payment is received by XX/XX/XXXX. Pay {$360.00} monthly for XXXX months if first payment is received by XX/XX/XXXX. Pay {$110.00} monthly for 12 months if first payment is received by XX/XX/XXXX. Create a plan that works for you! 
In a position to move past this now? Take advantage of great savings. Need savings with a little extra time? This might be the right choice for you. Trying to balance savings with a lower payment? 
This makes it easy! Contact us today for additional options. 

We are not obligated to renew these offers. Several payment methods are available. These options are both convenient ( save XXXX XXXX XXXX ) and worry-free ( your payment is always on time, even if youre busy! ). 

XXXX ) VISIT XXXX XXXX Enter your NCA account number ( XXXX ) and your five-digit zip code ( XXXX ). This online service is available to you XXXX hours a day. 

XXXX ) SCHEDULE PAYMENTS Want it to be even easier? Payments can be automatically scheduled via checking, savings, debit or credit card. Call us to learn more ; the process is painless and secure, and well even send you payment reminders! 

Learn more : XXXX Pay online : XXXX XXXX us : XXXX This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 

Make a Payment! 


po box XXXX / XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX Continue scrolling for notice of important information. 

National Credit Adjusters Physical Address : XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX
Consumer complaint received 2019-10-08
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. (MD)

I am been disputing the account appearing on my report for over a year now in which it has been unsuccessful. They are violating the FCRA by reporting inaccurate and false information and continue to mention how it is valid. I sent disputes on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. Spoke with the original creditor on XX/XX/2019 and XX/XX/XXXX. Now I am submitting an additional attempt in order to get this removed as they are violating my rights with continuing to report inaccurate information. I have included screen shots of all the disputes with mentioning how the account must be removed due to their inaccuracies and they continue to refuse on removing the account which is my legal right per the FCRA.
Consumer complaint received 2022-08-16
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Bank using account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

The end of XX/XX/2019, I submitted a complaint ( XXXX ) to ask for assistance with regards to the amount the mortgage company was stating that I was behind, and furthermore, increasing my mortgage payments from what I had established with XXXX previously. In the documentation I received from Bayview, it showed increases in payments due to escrow charges. I was not aware of these increases - I didn't verify charges by the insurance company or state / local taxes - lesson learned. In the complaint I also stated that I anticipated having the issues resolved within two weeks because of a car accident settlement. What I did not anticipate was XXXX XXXX refusing to provide accommodations for my XXXX and taking almost two months to pay the settlement, and then, after they " cut the checks '', they delayed mailing them out such that I didn't receive them until the XX/XX/XXXX Once received, I immediately scheduled payments to Bayview for all the back months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and current months ( XX/XX/XXXX and XX/XX/XXXX ). All payments were received by Bayview on the XX/XX/XXXX ; I presumed that I would have the opportunity to work out any other extraneous expenses for the lateness, but instead, the payments were returned - all five! I then began receiving phone calls and things in the mail about the foreclosure and my house being auctioned off. Secondary to all this, is the main breaker blew the XX/XX/XXXX, and it took until the beginning of XX/XX/XXXX for me to save the money to replace it, so I chose to replace it instead of paying the mortgage, thinking the temp agency would find me another assignment and also thinking that XXXX XXXX would pay the settlement in a timely manner.
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I tried to purchase an XXXX w installments from a line of credit. I thought the line of credit comes through XXXX, but apparently it's Citizens bank. Citizens bank declined my application saying I have a poor history with them. I have no clue what they're talking about. I've never used them before in my life. I'd done XXXX payment for phones up until my last one and I'd never had any notice sent to me from XXXX suggesting I was not paying them for the phone. In fact, I'd had my phone usable and now available to have XXXX care until XX/XX/2019. I'm showing proof of these realities. None of these realities elicit any concern w citizens bank or nonpayment history. I'd gotten no mail, no emails, no notices of any kind for citizens and somehow Citizens says I have bad payment history them? It makes no sense. I get notices from apple pay within hours or days of any issue with my card, and I update it immediately and I'd seen charges for XXXX and bought plenty of apple products with no problem. I have thousands of dollars cash and not one credit card of mine has ever been late in payment. Why would I have a payment problem with Citizens?
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (OH)

Comenity Capital Bank issues and services the Orbitz Rewards Credit Card. 
The very first statement I received was on XX/XX/XXXX. 
The statement in the amount of {$890.00} was paid in full on XX/XX/XXXX, even though the payment due date was XX/XX/XXXX. 
On XX/XX/XXXX, Comenity Capital Bank or its subsidiaries initiated an electronic debit from my bank account for {$580.00} to pay for the CURRENT month transactions. 

Comenity Bank 's action to electronically pay {$580.00} for the current unbilled month credit card transactions was NOT authorized. However, even adding the current monthly transactions to XX/XX/XXXX, the actual amount owed on XX/XX/XXXX, was a negative amount at - {$480.00}. So where did this {$580.00} come from? 
Agents representing Comenity Bank insist that the {$580.00} payment was a statement balance and authorized. 

The industry standards for a revolving charge credit card account is that the credit card issuing bank gets paid the statement balance until the following months ' statement.

The action taken by Comenity Bank is non-standard and allows the bank to collect for current billed transactions which are not due to be paid until the following month bill due date.

Comenity Bank 's actions are NOT designed to protect consumers and are unfair business practices on the part of the credit card issuer.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ARVEST BANK GROUP, INC. (OK)

After reviewing our statement, we noticed a charge on our card. This was on or about XX/XX/2019. We attempted to contact Security Bank Card several times between XX/XX/XXXX and XX/XX/2019. We had little success, and even attempted to go into an Arvest Bank Branch and talk to a Branch MANger to Assist us. 

Our dispute was declined, even though we had been trying for months to get it resolved.
Consumer complaint received 2023-04-10
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 inaccurate.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (TX)

Marcus-Goldman Sachs purchased the XXXX XXXX accounts from XXXX XXXXXXXX and I was told ALL data from XXXX XXXX was transferred to Marcus-Goldman Sachs as part of the contractual agreement. The transition was supposed to be finalized in XX/XX/XXXX. I recently needed some historical information on my account from XXXX and I am unable to access statementsthrough my Marcus account online older than XX/XX/XXXX. When I called Marcus-Goldman Sachs , I was told they do not have any historical statements from XXXX XXXX older than XX/XX/XXXX. When I called XXXX XXXX, I was told that ALL the information was transferred to Marcus-Goldman Sachs . I do not believe I should be stuck in the middle of this back and forth between these two large financial institutions that have the resources, IT departments, backup tapes, etc. to rectify this problem. All I need are my historical statements. I was encouraged to go paperless, therefore, do not have any paper statements since XXXX. I was also told by both Marcus and XXXX XXXX not to worry about downloading all of the statements because they would be available online through the Marcus Website once the transition took place. Perhaps this is part my fault for believing both Marcus and XXXX XXXX, but as a consumer, I should be able to have some faith in the companies I do business with to be telling me the truth -- especially large and supposedly reputable companies that are dealing with my financial transactions!
Consumer complaint received 2019-10-08
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. (LA)

+HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent my dispute letters to XXXX, Transunion, and XXXX showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (CT)

I need statement copies for my checking account with TD Bank, now closed. These documents include from account opening until closing. These are needed for accounting purposes and in a paper format, not file. TD Bank marked my prior request as duplicate when in fact it is not, any prior statements received in the past were since discarded.
Consumer complaint received 2019-10-08
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. (AL)

I sent my dispute letters to XXXX, XXXX, and Equifax showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: RENASANT CORPORATION (GA)

I recently filed some disputes as well as a Compliant with my bank due to the unauthorized transactions as well as recent returned checks and inappropriate fees assessed and overall mishandling of my account .. I rarely cause issues and am rarely overdrawn in my account. As a result of me decision to stand up for myself and advocate for myself the bank has now closed my account. No reason given. The hardship this is creating was unnecessary. My bank account is in good standing 99 % of the time .. for this to happen bc i made a complaint or a little noise in order I get my money back ... is just horrible customer service and truly unethical. U have been with Renasant for years. My money is automatically deposited and I thought until recently we had a good relationship XXXX the fact I justifiably complained and disputed recently shouldnt mean that they just shut me down completely. But there is nothing I can do about it and Im sure it will be very hard for me to open another account.
Consumer complaint received 2022-08-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Our mortgage was on autopay and when the final payment was due, it was not deducted from our account. We didnt receive any notice until XX/XX/XXXX and I immediately inquired and was informed that a cashiers check was required for final payment. We send a cashiers check on XX/XX/XXXX and was received by XXXX on XX/XX/XXXX. They have reported the XXXX payment as being late on our credit report and it is next to impossible to talk to anyone about this. We are purchasing another home and this single instance is keeping us from obtaining a mort.
Consumer complaint received 2020-09-15
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. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Consumer complaint received 2022-10-13
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: Lendmark Financial Services (CA)

XX/XX/2021 Lendmark checked my credit score without my consent. 
They want to offer refinancing. I turned them down. I have a hard inquiry hit. 
This is fraud.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (IL)

I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I was a victim of the XXXX student loan defraud action after that school filed for bankruptcy. The Federal court ruled that all student loan debt associated with this school be discharged. I filed the necessary discharge paperwork with the Dept of Education in XX/XX/2019. 

The attached article -- https : XXXXXXXX - from XX/XX/2019 states that a federal judge rules last yer the the DOE delays in forgiving the student debt of defrauded students was ILLEGAL. The article points out that the Dept of Education continues to neglect pending applicatins now totalling XXXX and that NO borrower has had their request approved or denied in more than one year. 

Based on this information the three credit reporting bureaus should be deleting all my Federal Loans and XXXX XXXX  showing on my credit report as continuing to do so will put them in violation of a Federal Judge 's order  to discharge these student loan debts..
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

transunion/XXXX  has two different removal dates for same company. XXXX is supposed to fall off XX/XX/XXXX but XXXX committed fraud by re-aging the date to XX/XX/XXXX dofd was XX/XX/XXXX, 7 years will be XXXX not XXXX! XXXX needs to stop playing games
Consumer complaint received 2019-08-04
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)

I have been notified by Equifax of the data breach. Upon the link sent by Equifax it is confirmed I have been impacted by the Equifax Data Breach. As a result of this my personal information has been exposed which has caused unauthorized inquiries into my personal credit file. Upon review of my credit file I found several inquiries listed that I did not authorize. I am requesting these items be removed from credit file immediately. 

XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (SC)

My credit score decreased XXXX points. On XXXX  XXXX it says hard inquiry because I tried to apply for a new credit card, which is not accurate. I applied for a Wells Fargo debit card and XXXX debit card, which I havent heard back from either banks. Neither stated anything about credit pulling. Applying for a debit card shouldnt have pulled my credit that hard. I want this fixed immediately. All my accounts and payments are up to date and on time.
Consumer complaint received 2019-10-08
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: Associated Credit Services, Inc. (MA)

This company responded to me on a previous complaint that they closed this account and returned it to their client and that they are no longer the company to deal with this account but yesterday XX/XX/2019 I received a letter from them asking me to pay them. Is this a joke or what is going on with this company. I am providing their response to my first complaint. The letter also says final demand for payment.