davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (AR)

My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Consumer complaint received 2020-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My bank called me to inform me that there was three unknown charges on my account. They wanted to verify if it was mine and that was correct it does not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been compromised. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is very insane. I have no clue who could of done this to me. Please remove these suspicious items from my report. 

XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$3400.00}
Consumer complaint received 2020-02-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (CA)

Ad Astra Recovery Services Inc. has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$4100.00} which is incorrect, I do not owe them anything. I explained to them that I was currently in a lawsuit with XXXX XXXX XXXX for them violating my rights and withdrawing funds out of my Checking account without my authorization. 
Ad Astra Recovery Services Inc. told me that as long as I pay them {$2400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$2400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt.

Ad Astra Recovery Services Inc. lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. I spoke with four representatives at Ad Astra Recovery Services Inc. I fist spoke with XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and a supervisor XXXX ( XXXX ), XXXX even stated that she would call the credit bureaus and updated the immediately and giving me an AUD # XXXX. This was all a lie just to take my money in which the took from my bank account on XX/XX/XXXX. 
Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX AD ASTRA XXXX KS XXXX CARD XXXX {$2400.00} I would like Ad Astra Recovery Services Inc. 2 immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information
Consumer complaint received 2019-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

On XX/XX/2019, I.c. System inc reported a {$180.00} medical bill to XXXX claiming that I owe that debt. 
On XX/XX/2019, just a few days later, I.c. System inc reported the same amount again. 
On XX/XX/2019 and XX/XX/2019 I.c. System inc again reported the same {$180.00}. 
Now again on XX/XX/2019 and XX/XX/2019 I.c Systems Inc reported the same amount of {$180.00} yet again. 
They also reported the same debt to XXXX in XX/XX/2019 and XX/XX/2019 for the same {$180.00}. 
Upon speaking to I.c System inc they claimed that the debt was building interest and accumulating an amount because XXXX XXXX kept adding things to the bill. I informed them at that time that I do not own that debt nor do I know of them or the XXXX XXXX. I then requested for them to stop contacting me by phone or otherwise and to stop hitting my credit and to especially stop doing it multiple times. They have a robocall system that will contact you from different numbers. They are a complete and utter harassment. And what they are doing is illegal.
Consumer complaint received 2020-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I have been repeatedly trying since XX/XX/XXXX to get an answer from NewRez on my mortgage interest with no luck. They simply do not respond to my question.

I would like to know how the mortgage interest paid on my account INCREASED from XX/XX/XXXX to XX/XX/XXXX when : - NewRez serviced my loans for the full year both years - It is a fixed rate loan - The principal decreased Details ( reported on my 1098s ) are as follows In XX/XX/XXXX the outstanding mortgage balance was {$350000.00}, but the mortgage interest paid was {$13000.00} In XX/XX/XXXX the outstanding mortgage balance was {$340000.00} ( decrease ), but the mortgage interest paid was {$14000.00} ( higher )
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (AR)

My bank called me to inform me that there was three unknown charges on my account. They wanted to verify if it was mine and that was correct it does not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been compromised. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is very insane. I have no clue who could of done this to me. Please remove these suspicious items from my report. 

XXXX XXXX XXXX  XXXX {$230.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$3400.00}
Consumer complaint received 2022-11-18
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. (DE)

I Tried to obtain an auto loan and some credit accounts, and my credit was shopped around without my consent, I checked my credit and saw that I had 47 hard inquires that I didn't recognize. 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 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 2022-11-18
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. (MD)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific record in my document coming about because of the wrongdoing. The record I am questioning connects with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00}
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (CO)

After numerous issues in the past 6 months with account restrictions over suspected fraud and/or inability to use the credit card as precaution, customer service has been deplorable. 

An issue occurred this morning XX/XX/2019 while trying to use the card to charge less than {$50.00} to a reputable online vendor. The website froze the transaction and the credit card account was inaccessible both via the app and website login. 

Customer Service agents are rude, abrupt, attitudinal, care little about customer service courtesy and keep transferring the customer after sparring and fighting relentlessly as was the case of the worst insubordinate, XXXX ( supervisor ). None seem to seek to resolve any issue which should be a core competency of their function. 

Senior bank officers at XXXX have been informed of this degradation of service.
Consumer complaint received 2016-10-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MN)

We have {$450.00} of late fees on our account that are not valid. I have tried for over a month to resolve this issue but NO ONE will respond to me. I called customer service, they said it needed to be in writing, so I have sent XXXX emails with no response. I have google searched loan officers, sent XXXX emails ( they stated someone would call, no call has come ). I found someone on XXXX, again no response. I have provided documentation on the fact that the late fees are bogus and we have not had any late payments since XXXX of 2016. In XXXX of 2016 we received a foreclosure notice because apparently I missed paying the cents on our bill, instead of paying the {$1200.00} and some change, I only paid the {$1200.00}. I spoke with a gal and she stated I needed to pay {$150.00} and some change to get caught up with late fees, which I paid with our XXXX payment, but separately. Since then NONE of my payments have been late. Therefore I do not owe any additional late fees. I provided a list of my payments to Freedom Mortgage noting that none of them were late since I got caught up in XXXX. Their refusal to contact me only confirms that the late fees are not valid.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (MA)

Started 2 applications with Barclays Bank on XX/XX/19 as I really wanted the benefits of the XXXX and XXXX XXXX XXXX cards. After a few weeks they requested me to send some information. And there are other several information requests after that which I complied with all of them. I charge well over {$100000.00} a month on my company cards and you would think a company would want the business. If they didnt want the business they shouldnt drag the process along after I sent in tax returns credit card statements etc. I was really upset today after they stated my Social Security card was not clear after I sent it in twice and I used inappropriate language and feel bad about that. However after four months the process has gotten really frustrating and its not worth me giving them my business at this point. If the required information for approval it should have been once or twice not multiple times and many of the times I wasnt informed that they needed additional information at times until I called them. The XXXX application # is XXXX
Consumer complaint received 2016-01-15
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: American Student Assistance (GA)

The American Student Services has taken ownership of this account when it was with another other holders XXXX, XXXX and XXXX XXXX XXXX. I have advised them of this. Most recently this agency is profiling me at this date of XXXX/XXXX/XXXX when this account is not assigned to them. My student loans are currently assigned to XXXX. That has not stopped AMERICAN Student Services from causing negative impacts on my credit by putting erroneous information on my credit reports most recently XXXX/XXXX/XXXX with XXXX and XXXX XXXX with XXXX and XXXX..They have attempted to start the this cycle over by putting recent negative late payments on my account when it is not in their ownership. I do not have an account with them.. This appears to be racially motivated due to my previous complaints and previous conversations with older woman at American Student Services..
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc. (NV)

We received a letter in the mail for {$5700.00} that we do not understand from Quantum Collections. We called and asked if we could get a breakdown on why we had such a bill, the gentleman on the other end agreed and said that he also has requested this from the property management office and assured us that he will be sending that breakdown out to us within the next 7 days. He also agreed that it was important that this information be visible before any action can be taken. 
Alarmingly, this amount has appeared on our ( myself and wife ) credit report with out any clarity on what constitutes this bill. 

At this time we are forced to believe that this bill is falsified and an attempt to extort us ( because he offered us a 50 % one time deal ) knowing fully well that we are immigrants.
Consumer complaint received 2016-09-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IN)

I have not received satisfactory response from Freedom Mortgage about payment history. XX/XX/XXXX, I had to send them payment via certified mail be caused they had previously claimed they were not receiving payment. XX/XX/XXXX they have not received payment even though it was sent. I have repeatedly tried paying on their website and receive error messages consistently. Now my credit is ruined because of this situation. They do not return my inquires.
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (GA)

I have tried to contact the company to resolve this matter. I called to get a settlement and was told that my account information was sold/charged off and I could not take any action on this account after I had already made a payment that XXXX accepted. I have no information on the collection agency my account was sold to not has that collection agency tried to contact or verify this account. I find it hard to resolve this debt when i'm being giving false information about my account. If my account was sold/charged off, XXXX should have never accepted a payment from me. My account has been charged off for over 6 months and they accepted a payment last month.
Consumer complaint received 2022-12-15
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-03-23
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. (PA)

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. 

Account name : XXXX XXXX XXXXXX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX 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 2022-10-15
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: Experian Information Solutions Inc. (OH)

On XXXX of XXXX I have attempted several times to contact XXXX, XXXX, and Experian about violating my rights under the FCRA. I have listed the accounts below which is requesting to have them deleted from all three credit bureaus immediately i will also state the law which violated my consumer rights. 
XXXX XXXX Dept of EdXXXX  in the amount of XXXX account number XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX 15 US, Code 6802 states a financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card, deposit account, or transaction account of a consumer to any nonaffilliated third party for use in telemarketing U.S.C 1681 section 602 A states i have the right to privacy.
Consumer complaint received 2021-06-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I am trying to have my CD released from TD and they have been telling been telling me for months that my tu is will be released to me within a few days. And this is everytime I speak to them. I have multiple emails showing this. I just want my money that I put into my CD released to me.
Consumer complaint received 2019-08-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TN)

According to the Law HR 3909, Postmark Payment Act of 2014, my payment is made on the day i put it in the mail/post office and is post marked for that day. Four times, Chase-Amazon credit has charged me late fees because they received or recorded a couple days late. These dates are : XX/XX/XXXX for {$27.00}, XX/XX/XXXX for {$28.00}, XX/XX/XXXX for {$39.00} and, XX/XX/XXXX for {$39.00}. This is a total of {$130.00} i have been wrongly charged and would like a refund or credit to my account immediately. Also, HOW MANY OTHER PEOPLE ARE THEY CHARGING, BREAKING THIS LAW?!!
Consumer complaint received 2021-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (WA)

I bought furniture from Mor furniture in XXXX, WA in XX/XX/2019. I was led to believe that the payment structure was set up so that payment would be complete before interest began to accrue. I was on a 0 % interest program. 

I made every payment on time, never missing one, but the 0 % interest ran out in XXXX or XXXX without me knowing, and I have since been charged {$780.00} in interest and fees on a loan of {$1400.00}. I've been charged 29.99 % XXXX on top of about a dollar per day in other charges that I don't understand. 

I realized what was happening yesterday and called the company to rectify. They're refusing to return any of my fees. 

I immediately paid off the entire loan today. I feel these practices are predatory and I want my money back. As an XXXX XXXX, I want to speak up for I people who don't have the means to communicate this kind of abuse, or afford to pay it off in order to stop the predatory, excessive fees and " interest. ''
Consumer complaint received 2022-12-14
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. (VA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (AZ)

I contacted Discover Card to determine how my payments are being applied to the different balances on my account ; due to differences in interest rates. 
I was told that the minimum payment amount is applied to the lowest interest rate balance first. Amounts above the minimum are applied to the highest interest rate balance. 
I intentionally increased my payment in XXXX to see if I could see evidence of the payment application. 
I recently compared my XXXX and XXXX statements and could not tell how my payment was applied. One balance transfer had expired and the interest rate increased.

I contacted the company for a detailed accounting of how my payment was applied. They would not provide this detail. They only told me that they apply the minimum due to the lowest rate and amount over minimum to the highest rate. 
Given the movement of a balance from a lower rate to a higher rate, I wanted to know at what point was the payment applied - before or after moving the balance. 
The company would not provide me with the detail I requested. 
As a consumer, I believe this is a deceptive practice.