davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (DE)

I hold an XXXX XXXX XXXX card which issued by TD Bank , N.A . The card had a feature that included a deferred interest period on purchases. However, unlike other cards with similar deferred interest feature, TD Bank does not provide a clear indication that a promotional payment is due to avoid deferred interest charges.

I have set my payments up to pay the balance due each month. A deferred interest period expired as of XX/XX//2022, and the outstanding balance due was not withdrawn automatically. Instead, the regular monthly payment was withdrawn from my checking account, and deferred interest of {$1100.00} was added to my outstanding account balance. When I called in XXXX after I received the next monthly statement, I was told that the notice of the expiration of the promotional balance was noted on my statement. 

The statement and program is unfair, deceptive and misleading and the expiration of the deferred interest promotion is buried in the statement. On my XXXXXXXX XXXX card, which is issued by XXXXXXXX XXXX, the expiring deferred interest promotion is clearly indicated next to the payment information, in bold red font. This bold red print is the top third of the statement, next to the payment information, so I don't have to read the entire six page statement in order to understand that a promotional period is expiring.

When I called and offered to make the payment, explaining that I thought any amount due would be drawn along with any other amount due, I was told that is not the case. I asked for an abatement in interest if I paid in full, and was denied that opportunity. I was told that my account is set up for payments of {$150.00} per month, which is also not the case. The automatic draw is set up to pay the entire payment due each month. In short, I was told to read my six page statement ( front and back ) and figure it out myself.

This is not the service that I expect from TD Bank, but is more representative of a payday lender. I would appreciate your assistance in order to 1 ) reverse the interest assessed for missing the expiration of the promotional period due to lack of notice/and clear statement messaging, and 2 ) assess the confusing payment system as a mitigating factor. Again, TD argued I set it up to pay {$150.00} per month but I set the auto-pay feature to pay the full amount due each month, which has consistently drawn my account for more than {$150.00}. I fully expected that any monthly draw would include any promotional balance due for the period based on how I set up the payment in THEIR system.

My experience with the TD card rises to the level of deceptive and misleading with respect to the expiration of the promotional period, coupled with the complete lack of transparency in the automated payment system. If anything, these practices are designed to prevent consumers from paying promotional balances, especially compared to industry peer such as XXXX.
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (PA)

On XX/XX/2023 I have filed and submitted a request to correct all incorrect information on my credit report with all three bureaus. I have waited the 30 days for the results and nothing was corrected! There are numerous inaccurate addresses and accounts on my reports. Per FCRA regulations and requirements 15 usc 1681i ( 5 ) I am entitled to a fair and Accurate credit report. There are numerous accounts reporting to only one or two of the bureaus in question. That in itself should be enough to delete some or all of inaccuracies on my reports! I am a XXXX  mother of XXXX  XXXX  children and am in need of buying reliable transportation and housing. I can not do either, do to the inaccuracies on my credit report! I am submitting this to correct any inaccuracies across all three bureaus and request immediate remedy.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I sent a Certified Letter to the Credit Reporting Agencies for the removal of a Bankruptcy that is listed on my account. The report came back " verified '' However per the New Rule from the CDIA ( Consumer Data Industry Association ) Beginning XX/XX/XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax lien, must contain minimum identifying information and be collected at more frequent intervals as follows : 1 ) Minimum reporting of : ( 1 ) Name ( 2 ) Address ( 3 ) Social Security Number and/or date of birth ; and 2 ) Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

I had a security freeze placed on my account with XXXX, and I spoke to XXXX and asked them if my information had been released to the Credit Bureau 's after I place a security freeze on my account. A representative by the name of XXXX with XXXX ( XXXX ) informed me that once a security freeze is placed, no information is given without my consent. 

It is my belief that the Credit Bureau 's are engaging in dishonest and deceptive practices by stating they obtained information when they have not. I do n't feel as though they have investigated this properly and truthfully.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-06-24
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. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-04-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, Ally Financial Account # XXXX has violated my rights. 

1

5 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 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Select Portfolio Servicing Inc XXXX XXXX Mortgage Interest Statement XXXX XXXX 21 Monthly mortgage payment -seeking explanation as to why the principal balance is different from the last monthly mortgage statement -seeking explanation as to why there are so many payment reversals between XXXX and XXXX as shown under " transaction history '' on monthly mortgage statement and customer transaction history XXXX XXXX XXXX Customer Transaction History seeking explanation of reversals and unapplied funds on pg 3 in between XXXX and XXXX XXXX XXXX XXXX Ltr response to SPS
Consumer complaint received 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have been shopping on-line for a new car. I get an ad from XXXX to which I responded ( X/XX/17 ) ; after I fill in the information regarding the type of car that I 'm looking for I get the following message : Next Step The next step is to obtain a copy of your most recent Credit Score. Click Below to get your FREE credit Score & Credit Report for {$1.00}. Like an XXXX, I clicked on the link and was sent to TransUnion. After providing them with their requested information I was shown my score ( XXXX ) and welcomed as a new customer to their credit monitoring service and that after a 10 free trial I would owe them {$100.00}. There was no link back to XXXX so it appears that the whole scheme was to trick people into subscribing to their monitoring service. This is nothing that I want. 
The next day, after receiving a confirming email from TransUnion, I immediately called to cancel this service. I apologize to the poor woman in XXXX to whom I talked ; I understand that she was only trying to get through the script that she had been given and my yelling at her did n't help. They did agree to cancel. Since then I have been solicited from several sources that want to help me " restore, repair my credit '' So aggravating and time consuming. It seems that we are under constant assault from these scammers and have no protection or recourse.
Consumer complaint received 2022-02-24
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. (TX)

Credit Report is showing inaccurate information. I have reached out the the reporting agencies ( XXXX, XXXX & Experian ) Several times to have this issues resolved. The only response I receive is the dispute has been completed and the account has been verified.

All 3 reporting agencies are showing different : 1. Account Opened Dates 2. Account Activity Dates 3. Payment Status Dates This account has been re-aged by the credit bureaus and this is a major violation.
Consumer complaint received 2022-02-24
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. (TX)

Credit Report is showing inaccurate information. I have reached out the the reporting agencies ( Equifax, XXXX XXXX XXXX ) Several times to have this issues resolved. The only response I receive is the dispute has been completed and the account has been verified. 
All 3 reporting agencies are showing different : 1. Account Opened Dates 2. Account Activity Dates 3. Payment Status Dates This account has been re-aged by the credit bureaus and this is a major violation.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX charged my account off. I have not received a XXXX from the company as this is now written off by XXXX XXXX and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company XXXX XXXX as well as the XXXX major credit bureaus. XXXX, Experian, XXXX.
Consumer complaint received 2022-04-14
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. (TX)

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXXXXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2017-09-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I am a XXXX XXXX XXXX Veteran and XXXX XXXX. I completed XXXX year and XXXX months of XXXX XXXX. I completed approximately XXXX years and XXXX months in the active reserves and XXXX XXXX. To reduce personnel, the XXXX XXXX offers a voluntary program called XXXX XXXX. What this program does is allow a veteran to voluntarily separate from XXXX XXXX into the XXXX XXXX XXXX XXXX. The XXXX must then double the amount of time owed on XXXX XXXX ( in this case XXXX years and XXXX months ) and complete this term in the active XXXX XXXX XXXX. I accomplished this. Had I known that separating from the XXXX XXXX XXXX XXXX XXXX prior to XXXX years of completing XXXX XXXX, I would have stayed and at least met this minimum requirement. 

I have purchased and/or refinanced homes XXXX times each time receiving a Certificate of Eligibility ( COE ) from the VA. Now, I am applying for a VA loan with Freedom Mortgage. Almost all areas of the process have been completed to approve the loan ; however, the VA will not issue a COE thus preventing Freedom Mortgage from completing the loan. I served my country, I am a Veteran, and I served honorably. I should be allowed to receive a COE since I have been given XXXX before as a veteran. I think this sets a precedent. The VA denied sending the form to Freedom Mortgage. The VA informed me that since I did not serve XXXX years XXXX XXXX, I am not eligible for the COE to use the VA loan benefit I was promised back in XX/XX/XXXX when I separated service to join the active XXXX XXXX XXXX voluntarily and with the Air Forces ' blessing. I XXXX from the XXXX XXXX in XX/XX/XXXX or so.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

Lexis Nexis, a fraudulent consumer reporting company has reported me as dead to one of its clients -- XXXX XXXX, a sports betting company. Clearly I am not dead, since dead people can not file complaints. Also the report I requested from Lexis Nexis ( 140 pages long ) contains information which is incorrect, It lists me as a resident and homeowner at two addresses where I NEVER LIVED!!! How does these incompetent, corrupt predators get away with this. Is there no government oversight???
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX charged my account off. I have not received a 1099-C from the company as this is now written off by XXXX and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company XXXX as well as the three major credit bureaus. XXXX, Experian, XXXX.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In Accordance with the fair credit reporting act XXXX Account number 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.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (TN)

XX/XX/XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard iquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX bank i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ENCORE CAPITAL GROUP INC. (AL)

A accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It als states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-08-31
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. (MA)

I have found two inquiries on my report that I reported should not be on my file. 
XXXX. XXXX XXXX  - XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (NC)

Paragon Revenue Group, The repeated Fake Debt Collection calls have been coming in for about 1-2 months. We are tired of the harassing phone calls for medical debt that is being handled by our Attorneys. This company and its people are performing fake and fraudulent debt collection practices here in the North Carolina area. Something must be done about it. My Attorneys and I have constantly told them about their fake and unfair debt collection practices for years now. It is constant calling, constant leaving messages, and harassment to the next level of our family on a daily, weekly and monthly basis. Please look into this matter asap. Thank you
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-24
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)

XXXX  is reported on my XXXX, XXXX, XXXX Experian. I have disputed multiple times without any change. pl\Please remove the incorrect item from all three bureaus. 

XXXX XXXX is listed on my XXXX and XXXX in error. I have also disputed with XXXX and XXXX with no results. Please remove these incorrect items.
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

CREDENCE RESOURCE MANAGE I DON'T KNOW WHY XXXX XXXX IS CHARGING ME THE AMOUNT OF {$1000.00}. I CALL THEM LONG TIME AGO AND THEY NEVER SENT ME ANYTHING.