davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


EXPERIAN, XXXX  AND XXXX  HAS A COLLECTIONS ON MY FILES THATS NOT MINE.. 
XXXX IS NOT MINE.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

Citibank refuses to provide a new credit card to replace my expiring credit card, on an open account. My payments are current but Citibank decreased my credit limit in XXXX and will not send a new card for my current card that expires XXXX. The customer service is horrible.
Consumer complaint received 2019-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

I am a XXXX XXXX XXXX veteran, I have the va healthcare and XXXX. First Financial Resources is trying to collect {$2900.00} From me for XXXX XXXX.

My insurance either through the VA or XXXX should have covered this expense. It was for an ambulance ride. I contacted both the ambulance co and the collection company neither could produce any billing paperwork other than what day I was transported. This should have been covered and they have zero paperwork, I want this OFF MY CREDIT REPORT!!!
Consumer complaint received 2018-07-11
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. (MI)

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands and my credit reports. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is up to date. We have been making the required payment of {$25.00} a month per their request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$29000.00}
Consumer complaint received 2019-09-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

Ditech is refusing to give me statements regarding my mortgage payments. They sited CFPB rules stating they are not allowed to because I had filed bankruptcy in the past. My bankruptcy closed with all debts payed in full XX/XX/XXXX. They stopped sending me statements in XX/XX/XXXX. They have however sent me two escrow analysis statements in this time period. I just want to be able to see my statements. I am not currently in bankruptcy nor have I been since XX/XX/XXXX. They're only response when contacted is " per CFPB rules we are not allowed to send you statements ''
Consumer complaint received 2019-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

CashNetUSA charges a 459 % ( Four hundred and fifty nine per cent ) interest in personal loan which I believe it is USURY. ( Maybe not in America where everything is permitted by the corrupted Congress ).
Consumer complaint received 2024-05-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

While CFPB recently limited credit card late fees to actual costs incurred for issuers with more than XXXX XXXX accounts, I just received a notice dated XX/XX/2024, from Comenity Capital Bank, stating that the Late Payment Fee has increased and is now 'up to {$41.00} '. The statement goes on to state that the first late fee is now {$30.00}, then every one thereafter is {$41.00} if the account has been assessed a late fee in the previous six months. 

This statement is for my Dell Pay Credit Card Account. Comenity may not have one million Dell accounts, but they also issue dozens of other store cards. I also have a XXXX card issued by Comenity. When all of their store accounts are taken together, I suspect they may have well over XXXX XXXX credit card accounts. If this is the case, I am concerned that they are overcharging for late fees. 

I have not been assessed a late fee after the XXXX rule change. I have been assessed one late fee in the history of this account, in XX/XX/2024, when I missed my payment by one day, and was subsequently charged {$21.00}. This late payment was only due to forgetfulness and occurred over a weekend, when my payment was due, and payment was completed by Monday, the beginning of the work week. Even had I submitted my payment on time, Comenity would not have withdrawn funds from my bank any earlier than they did. As such, I can not account for any cost to them for my lateness, and if the same situation were to occur again, I would suffer even higher penalties. 

Can you clarify first whether Comenity 's various store accounts are counted together when determining whether the new late fee rule applies to them? Then please address my remaining pertinent concerns? Thank you for your time.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

As of XX/XX/XXXX my XXXX XXXX  Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from XXXX XXXX  to the IRS on my XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that XXXX XXXX, XXXX, Experian, and XXXX update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. XXXX XXXX  is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-07-09
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. (FL)

I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services XXXX time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. XXXX has 7 inquiries and Equifax has 8. The numbers don't even match each  agency, and the random credit runs were unnecessary actions.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My father had a catastrophic health event on XX/XX/2019 and is now completely incapacitated. He is severely XXXX  and XXXX   XXXX now and does not even know who he is. He is in a long term care facility and still might not survive. I have full Durable Power of Attorney. I have had no issues with any account of my fathers including his bank, other credit cards, the IRS, XXXX, etc. They complied with the POA request and allowed us to control and/or close all of his credit cards. The exception has been Capital  One. The card was paid off by us, and we have requested that they close the account by fax on XX/XX/XXXX and XX/XX/XXXX and over the phone multiple times starting the XXXX week of XXXX all this year, but they refuse without speaking to my father who cant speak. Now today I got a bill via email from them for the annual credit card fee. I have removed payment information but this is getting to be a little bit ridiculous. We just want them to close the account. I have faxed them multiple times and called them multiple times but they refuse. Can you please help with this?
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XX/XX/2019 : Tried getting TransUnion annual credit report. Went thru all the steps ; answered all the questions ( 6 or 7 I think ), and it didn't load. My name was at the top as if I was logged in to see/print it but no report there. 

Message on screen said " We are experiencing technical difficulties '' and to " try again later or to request by phone call ... Alternately to request your Free Annual Credit Report by mail ... to download the request form. '' I shouldn't have to jump thru any more hoops. It showed me I was basically logged in, so if they have my confirmed identity info and are having 'technical difficulties ' then they should just say on the screen : " We will mail your report to your current address. We apologize for the inconvenience. '' Since they don't do that, now I need to take MORE of my time 'later '.
Consumer complaint received 2022-07-27
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. (NC)

As of XX/XX/XXXX my XXXX XXXX  Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from XXXX XXXX  to the IRS on my XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that XXXX Bank, XXXX, XXXX, and Transunion update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. XXXX Bank is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY (CT)

I have a TD Bank Checking account. I was hit with {$280.00} dollars of over draft fees. I deposited Check and cash ( {$500.00} check & {$330.00} Cash ) in last 2 deposits over the week. Just to have a negative balance as of today. TD Bank assess fee 's on their own their own fee 's that cause my account to be negative. So, there is a snow ball effect of fee 's. Very unfair practice. I am told TD Bank will always debit your account before they add a credit for deposits. Which means they will seek to charge over drat fee 's first, then credit your deposit, which has the potential to generate massive income from fee 's from poor individuals like me. One particular instance, I had a {$1.00} debit card fee that caused a negative balance. I was charged {$35.00} Fee for a {$1.00} charge. Is that not be Usury!? ... This is A Very unfair practice.
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I was fast talked in to giving {$500.00} on a appraisal fee to Amerisave Mortgage. This was on XX/XX/2019. Now no one returns my calls or emails. I think the {$500.00} is gone. Both my wife and I are on fixed incomes and have severe medical conditions. This really hurts our financial resources.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a loan online. Filled out my personal information, REPEATEDLY. Then, they said they needed my credit score and said if I didn't know it, I could get it for FREE, here .... and they had a link to click on that took me to XXXX. Again, I had to give all my personal information. I finally get to the last page that says they have my credit score ready, but before they will give it to me, I must give them my credit card # and info and get membership and pay {$1.00} now. That is not free. I don't want membership in anything, especially anything to do with XXXX because this is the 4th time I've encountered their fraudulent and deceitful *get your score for free* scam. The same with XXXX saying they will raise my score by 12 points if I download their app. I don't get how this is even legal. It's so deceitful. Giving me a higher score for merchants to see and believe my credit rating is higher than what is should be is so dishonest. If people don't deserve a certain score, giving it to them because they downloaded an app is just shocking to me. I'm not sure about Transunion, but all 3 are always listed on the *free-not free* free credit report page.
Consumer complaint received 2023-04-04
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I have an American Express XXXX XXXX credit card that expires XX/XX/year>. I found out through a third party that American Express closed my account without telling me. I called them twice, and twice again asked to speak with a supervisor. The supervisors keep repeating the same message over and over. They say they understand my position but are powerless to reopen my account. They tell me to apply for a new account which I don't want to do. My credit score has already dropped because this card was closed. 

I have been a good customer of American Express for XXXX  years. I am retired now but used their card for business travel extensively. I never once had a late payment or any problem with my account. 

American Express sent XXXX email ( attached ) notifying me of their action. I don't accept emails from financial institutions because they are usually fake. ( For example in the past month, I've received XXXX or XXXX emails from XXXX. When I call XXXX, they say XXXX doesn't sent email. ) I am XXXX XXXX XXXX and can not respond to emails about money. 

American Express failed to send me a letter to notify me of their action. ( XXXX XXXX on the other hand, has sent me letters saying I need to use my card with them, which I am happy to do. ) XXXX simple letter from American Express could have resolved this issue.
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (VA)

On XX/XX/2019 I found out that Selene Finance had interfered with my real-estate bill from XXXX County VA. At that point, I called Selene Finance and informed them that they were incorrect for paying my real-estate taxes. The person I spoke with at Selene Finance said he would have it fixed within 10 days, it now has been well over 150 days and countless phone calls, everyone I have spoken with at Selene Finance within the last 150 days keeps saying the same thing, I will fix it. 

I have faxed them the receipt from XXXX County VA, to show that I had paid the taxes. I have requested on four different occasions, including a fax communication that they give me a signed copy of the agreements showing me they have any right to take escrows and/or any other payment or payment ( s ), to date I have not received those agreements. They are trying to collect {$3300.00} a month to include mortgage and escrows, which is incorrect. For the past 12 years the mortgage has been {$2000.00}. At the time the mortgage dispute was to be resolved they sold my mortgage to another lending financial institute, XXXX XXXX. On XX/XX/2019 it was sold to XXXX XXXX XXXX XXXX although Selene maintained servicing the account the mortgage was increased the same month as the sale.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

On XX/XX/2019 I am trying to lift my security freeze on my credit with Equifax. When I try to log in to the website I get an error message and it gives me a phone number to call. When I call the number I get a message saying they can't confirm my identity. I then used their chat line and they gave me a different number which sends me to the exact same automated system that I was in before. I can't reach a live person and I don't know what to do next. I have a pin number that they gave me when I put the security freeze on but it doesn't do me any good if I can't get into their website or reach a person. I never have any trouble with the other two credit bureaus so I don't know why Equifax is always such a problem. Maybe they need to be shut down. Anyway, I'm stumped as to what my next course of action needs to be to lift the freeze. Please help!
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (FL)

to whom this XXXX concern i XXXX XXXX living man of XXXX have made complaints on all the top XXXX credit breaus due to innacurate reporting on my consumer report and identity theft i had a data breach with XXXX and experian in XXXX and XXXX. XXXX, XXXX, check system, experian, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX i have innacrate information such as dob, name, old address, inquires that i didnt make or give someone permission to do. 15 usc 1681 consumer rights to privacy. 15 usc 1681 a rules of construction 15 usc 1681 b accuracy of XXXX usc XXXX civil liabilty for willful XXXX usc XXXX XXXX act of XXXX my peronal information has been used without my permission using third parties entities without my knowledge or written consent. 15 usc 1681 section 602 states there is a need to insure that consumer reporting agency excercise their grave responsiblities with fairness, impartiality, and a respect for the consumers rights to XXXX XXXX XXXX ( b ) ( c ). i did a ucc XXXX search on my name and i dont owe any debt also due to XXXX XXXX of XXXX.
Consumer complaint received 2019-09-09
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: Convergent Resources, Inc. (NY)

Hello I keep getting harassed by Convergent loan company about money I owed to XXXX which was the creditor which was fraud and never authorized by me which XXXX knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on XXXX, XXXX, XXXX   and any other companies. 

Last year I had spoke to XXXX a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my XXXX I had closed to avoid this from growing. XXXX was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with XXXX. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe XXXX XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.