davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (IN)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (VA)

I received a loan to purchase my truck from M & T Bank. I tried to go on line to set up automatic payments, but in order to schedule online payments I had to go into an actual branch and complete paperwork. On XX/XX/22 I went into my local M & T Branch located at XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX. I completed the paperwork, but because my XXXX payment was due on XX/XX/XXXX I was told I would still need to make that XXXX payment because the paperwork that I just completed would not go into effect until XXXX/XXXX/22. I went online and scheduled my XXXX first payment for XX/XX/22 for the full amount of {$680.00}. On XX/XX/22 there were XXXX transactions of {$680.00} charged to my account. Only XXXX were taken out from my bank account. I contacted the bank immediately when I noticed this. I spoke to the branch XXXX, XXXX, and she said that the money would be deposited back to my account within XXXX business days. It took them until XX/XX/XXXX to finally deposit the money. This put a financial hardship on me. I had to borrow money to make ends meet. When I contacted the corporate office and told them the situation, I spoke to a XXXX XXXX XXXX on XXXX/XXXX/22. He told me someone would call me within 1-2 days before the week is up. No one ever called me. I received a letter on XX/XX/22 apologizing for the inconvenience. An apology does not help with the struggle I endured to make ends meet.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

I'm complaining about XXXX accounts that was opened in my name that I didn't open up with TD bank I spoke with customer service and she told me that I have to come into their branch with my ID I told her I wasn't able to get to one of there branches due to transportation I am disabled so she told me she wasn't able to help me so I asked her how is it possible for someone to open up an account in my name without showing ID she told me she was able to open up XXXX online so that why I'm submitting this complaint to get this resolved the XXXX accounts numbers I'm referring to is acct # XXXX and acct # XXXX
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (PA)

My card was locked due to perceived fraud action by Commenity Bank. I spoke with the fraud line people and approved the action, however my card was not reactivated. Since that time, I have made MULTIPLE attempts to contact the company about this credit card and I am NEVER able to speak to a person and every time their automated service says to call back later that " the fraud line is not available at this time ''. 

This is the phone # on the back of my card - XXXX these are the dates I've tried to contact them, all to no avail - contacted : XXXX @ XXXX ; XX/XX/XXXX @ XXXX ; XX/XX/XXXX @ XXXX ; XX/XX/XXXX @ XXXX. 

XXXX  XXXX XXXX, I went online and found a different # - XXXX XXXX - and called at XXXX. AGAIN I get the message that the fraud line is unavailable and I can NEVER talk with a person. This is beyond frustrating and inappropriate action on their part regarding my card, hence my money. I have no doubt they would abruptly fine me if I'm late with a payment however I CAN NOT USE THE CARD OR SPEAK TO A PERSON!
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (DE)

Hello, I was presented with an e-mail offer from Citi advising that if i activate and spend at least {$750.00}, I would receive a 15 % statement credit on my Shop Your Way credit card. Max {$1000.00} ( so max statement credit would be {$150.00} ). 

I activated the offer and have spent exactly {$1000.00}. However, I keep getting the offer e-mail to me and I keep clicking " activate ''. It's been over a week since I've spent the {$1000.00} and I am concerned that the activation isn't taking for whatever reason as we have not received the {$150.00} credit.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (WI)

XXXX received a call from AmericanExpress, it was during a meeting but next day I missed another call. on XXXX I called AmericanExpress, after 20 minutes I learned that a previous issue where I had accidentally paid closed corporate Amex account rather than personal account which I thought had resolved had created a new problem - and now I had a debit on my closed corporate account. I was told to reach out to my expense department. They confirmed they had not received any funds from the Amex " overpayment. '' I continued to receive daily calls from Amex asking when I was going to pay my balance ( which was now overdue as I had not received a notification of the issue until the balance was past due ). Each time I speak with them I have to retell the whole story as apparently they never check the notes ( or no notes are taken, as they tell me they are recording the details ). On XXXX, I reached a " XXXX '' and he said that he had figured out the issue and that it would take about a week for the transaction to take place and the issue to be resolved. When I received the daily collections call they had not knowledge that the issue was a Amex error ( when I had made the erroneous payment in XXXX, they transferred funds to my personal account twice ). I continue to call, and am promised that they will fix the issue, and that the late payment fee will be removed. My last call to Amex was on XXXX, where I was told it would just be another day. The collections caller tells me then that I should just pay the balance, but then there will be a credit on my account, and that will be yet another issue. Today I received yet another call from them, so the issue has not yet been fixed. Tomorrow is the day in which I will be charged yet another late fee ( last week I inquired about this and was told by the customer service agent that it was ok and that all late charges will be rescinded ). I want this problem gone. It has been almost a month since I learned about it, and every time I am on the phone with someone we have to repeat the whole story and it is a 20-30 minute phone call. While I admit that what started the whole issue was an error on my part, in XXXX, this last issue was an Amex error.
Consumer complaint received 2022-07-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/XXXX I was approved for a payday loan with Ace Cash express for {$1500.00}. The fee 's and interest for the loan were {$350.00}. On XX/XX/XXXX I received an email about refinancing for an additional 2 weeks. I called at XXXX am XXXX on XX/XX/XXXX and talked to one of their loan specialist about the refi option. I specifically asked multiple times on the call that if I do the refi will I receive an additional {$350.00} in fees and was told NO I will only have the {$350.00} take out on XX/XX/XXXX and the remaining {$1500.00} will be taken out on XX/XX/XXXX my next pay date. I was crystal clear to the rep that if I was going to be charged an additional fee then I would not do the refi and she specifically stated that I would not. I am requesting for a supervisor to please listen to the XX/XX/XXXX calls and please let me know what repercussions or options I have because I was clearly miss guided on this refinance. I would have never agreed to pay over {$700.00} in fees just to get a {$1500.00} loan.
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2019 an attempt for Bank of america to transfer a monthly {$25.00} fee from my checking to savings to help save. ANY OTHER time if there is not enough money to transfer {$25.00} from checking into my savings account it is simply cancelled. If you look into my account you will see many times it has happened and when fees were low it was simply cancelled. Then stated it was cancelled due to low funds. So when funds in checking were less than {$25.00} the transaction will be cancelled. 
So simply put, I didn't have {$25.00} in checking to transfer to savings. The bank transferred {$25.00}, regardless into my savings resulting in my checking account becoming negative, then took an overdraft fee of {$29.00} from savings! and transferred back to checking! So savings balance of {$4.00} is now {$0.00} and my checking that was {$4.00} is now negative {$2.00}. Not only that I don't have overdraft protection. Basically they found a way to make {$4.00} ... .First time this has ever happened so surprised.
Consumer complaint received 2015-12-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Second Round Limited Partnership, Austin, TX Branch (CA)

This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account. 
Additionally this company is reporting the account on my credit report as a past due account from last month and making it look as though this account is a recent account. This constitutes illegal reporting of the account.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CT)

Comenity Bank and Bread Financial website has been down for over a week and I can't access my account online. I tried calling the Customer service number listed on the back of the card XXXX XXXX XXXX and that line doesn't work
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (IA)

Sometime between XX/XX/2019 and XX/XX/2019 I got a credit limit of XXXX at the dentist place it came to XXXX and when I left on a computer at the front desk it asked if I was going to make payments or pay it off in 6 months I choose payment I was making payments and it was not going down now it is up to XXXX this is totally messed up I was making payments just like that computer asked me and it was not even changing I want this fixed I am not a millionaire I live off ssi and sad XXXX dollars a month that is it what you guys are doing is not right fix what someone XXXX up on their end not me
Consumer complaint received 2022-07-07
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. (MI)

XXXXXXXX XXXX  instead of completing an investigation is engaging in illegal retaliatory tactics and trying to punish me and I would guess other consumers as well for exercising rights under FCRA, this account information is older than 7 years old, XXXX also illegal allowed me under 21 to open this account and gave me a credit limit they were very well aware that I would not be able to afford paying back. I am XXXX XXXX XXXX and this account is older than 7 years, if I still need to be held accountable for this maybe we should also go back 7 years and investigate why XXXX thought it was appropriate to give an XXXX XXXX XXXX still in XXXX XXXX a credit limit of {$1000.00}. I have filed a complaint at XXXX XXXX XXXX as well as they are now making my credit scores drop with their predatory practices. There is no outstanding balance on this account either.
Consumer complaint received 2021-06-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

my credit card was compromised with XXXX XXXX and XXXX  XXXX sold the account to resurgent. XXXX XXXX refuse to validate account but did remove their trade line from. with the 3 credit bureaus XXXX debited the credit card onXXXX and on XX/XX/2015 which is un authorized charges. I had credit protect on this credit card account and credit monitoring. I contacted resurgent with letters showing that I did not authorize these charges. I went into the purchase page for XXXX and to see that there was no debit from them on XX/XX/2015 but a purchase debit for XX/XX/2015. but 2 debits appeared on the account I am disputing with resurgent who now reports to the credit bureau. I did not authorize these charges
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I purchased my home in XX/XX/2022 with a 20 % down payment and began making payments. I was told several times I would be able to waive my escrow account once my taxes and insurance for the year were paid. Now they have denied my request and stated the reason why is because of the LTV. They are asking for a 70 % LTV in order for me to get the escrow waived. I have called countless times and the only reason they give me is that they soft pulled my credit and it didnt meet their requirements to waive it until I reached 70 % LTV.
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is for loan number : XXXX Property address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

In XXXX I purchased a property with 20 % down and my property tax and insurance was escrowed. Since then the value of my property has increased. For the past 2 years I am trying to get Select Portfolio Servicing ( SPS ) to remove my escrow account and experiencing delays, misinformation, miscommunication, rejection, approval, and rejection again. I want to remove my escrow account because due to their miscalculation I am always experiencing payment shock, leaving me susceptible to not being able to cover my monthly obligation. They are ALWAYS incorrectly handling my payments and changing my payment amount due continuously. I believe SPS is either doing this deliberately so that I can lose my house, or it is due to their lack of knowledge and experience in the field they decided to practice in. This is predatory practice, and it is causing tremendous harm to my health, well-being and finances. Furthermore, my property tax has not increased since i bought the property. 

Here is a brief summary of what I experienced in the past XXXX years and if necessary, I am able to provide documents for everything mentioned below. 

- In XXXX I was told by SPS to submit the escrow removal request form for multiple times because they were not able to locate the previous forms I sent. 
Each time I had to call them and be on hold for hours. 
- In XXXX SPS told me to send the form escrow removal form AGAIN. Then my request was denied without explanation. When I called, no one at SPS was able to provide an explanation either. 
-In XXXX I hired a broker to review my documents and communicate with SPS to find out the reason for the denial. After few months, the third party I hired got so frustrated with SPS that they returned my funds, not wanting to deal with SPS any further. 
- Then hired second third party to reivew my documents and help me with SPS. They sent SPS letters and I received a letter providing an explanation for the denial, stating it is their right to keep my escrow account for property tax and insurance. However, SPS approved and removed my escrow account in XXXX of XXXX. 
- In XXXX of XXXX, I received a letter from SPS that they made a mistake and they will reinstate my escrow account. 
- Meanwhile, my monthly mortgage payments were/are changing, my escrow account is on negative and I am left to spend more money to hire an attorney this time to deal with SPS. 
- I spent so many hours reviewing their escrow account summary forms, calling them, trying to understand where my payments went, why i am short, why my monthly payments are increasing, but unfortunately all the employees in SPS are either very rude or unknowledgeable.
Consumer complaint received 2022-09-26
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. (OK)

I recently review my credit report and there are hard inquiries that I do not recognize. This report is not being filed by a 3rd Party Credit Repair Company and this is not a duplicate complaint. Below are the unrecognized Hard Inquiries. 

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 XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I asked ARS for a debt verification certified mail with return receipt and they resent me the same information without proof the debt was mine. I sent a second verification letter and they resent me the same information no change. I decided to file a case with the XXXX XXXX XXXX and they sided with me. I sent this information to ARS and they resent me the same information. I will now forward a cease and desist letter to them as well as a report to the consumer financial protection bureau.
Consumer complaint received 2021-06-15
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. (CA)

There are three inquiries on my credit report that do not belong to me they are not mine I have not opened these or inquired for any of these I need them off my credit asap!!! I have sent out multiple letters to bureaus and furnishers regarding this!! 

XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2022-09-26
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. (OK)

I recently review my credit report and there are hard inquiries that I do not recognize. This report is not being filed by a 3rd Party XXXX XXXX Company and this is not a duplicate complaint. Below are the unrecognized Hard Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM 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