davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NH)

Hello, So, obviously with the pandemic going on, things have been tough for many people. I know that Congress has contacted banks to tell them to stop charging fees, and one of those banks was my bank, TD Bank. I contacted them on XX/XX/XXXX. The refunded me one of my overdraft fees, but not the other one. Two days ago, I received  another fee and it was a maintenance fee. 

In my honest opinion, I believe that it is incredibly unethical for a company to be continuing to take advantage of it's fee policy while a State of Emergency is going on right now. Many banks have put a hold on charging those fees, but TD Bank has continued to make sure it takes every dollar it can while many people are struggling. Can you please help me? 

Maintenance fees are {$15.00} Overdraft fees are {$35.00} ( if you went into overdraft with one transaction, they charge you an overdraft for for every single transaction until your account is positive again )
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (TX)

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (NC)

On XX/XX/2021 and I saw some collections had been added to my credit reports XXXX XXXX, and XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MB FINANCIAL, INC. (NY)

Back in XXXX of 2017 I was denied XXXX XXXX XXXXXXXX so lost 6 weeks of pay. MB Financial said I could modify my mortgage to a 30 year mortgage. No one returns my calls. I have left over 5 messages since X/XX/17 including another one today X/XX/17. I work in the financial industry & it should only take 30 days at most to modify a mortgage. I am getting the run around & continue to rack up fees because they do n't call me back nor have started the next steps to modify my mortgage. They give me fake phone numbers too. I have names & direct phone numbers in their loss mitigation department & either it rings and rings or numbers not in service. I do n't want to lose my home. I 've been a single XXXX mother for 17 years. No one calls me back or has started the mortgage modification process. Please help me.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( XXXX  ) Then showing payments as " OK '' paid as agreed on another bureau ( Equifax ) Then  Showing Zero Payment History For ( XXXX  ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I have disputed with Equifax on numerous attempts to delete this account -- instead they continue to update my account and verify it as accurate. it is totally impossible for them to verify the account with the inaccuracies it has. 

As you know, this is a violation of my rights so as a result of that, this account needs to be removed from my reports immediately. The inaccuracy is - report is claiming to have Balance amount higher than the actual High Balance amount which cant be. 


XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2018-07-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ameritech Financial (TX)

I enrolled in Ameritech Financial in XXXX of 2017 and started immediately paying {$230.00} a month for them to assist me with my school loans. ( 10 months of payments ) Ameritech Financial led me to believe that they were assisting me with my school debt and that they would be acting in my best interest. None of the money that I have paid to them has gone towards the amount of my student loan. I have not seen any benefits from their services, absolutely NONE.. 
I called the Department of Education and they stated that they have never heard of this company and my arrangement with them was not notated on my account. 
I have called them to get confirmation on this matter, but I am told due to high volume calls they will get back with me within 24 hours. JOKE on me. 
I emailed the company and requested that they would not deduct the next payment from my account without clarification of their services. 
They prey upon the desperate people who already can not afford the high student loan repayments.. So sad
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IL)

Diversified Consultants is attempting to recover a debt not owed. The collection company deleted the collection from my credit report and reinserted the collection. Once a debt is removed for just cause, it can not be re-inserted. Furthermore, the original creditor, XXXX XXXX XXXX settled with the FTC for " cramming. '' Thus, XXXX XXXX XXXX can never truly validate how much is truly owed because I was a victim of cramming. At $ XXXX month for 10 years, I would be owed {$1100.00}.
Consumer complaint received 2020-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

Citibank insistently marketed to me their citigold account : the offer involved opening a checking account, plus investment accounts holding $ XXXX or more to receive a bonus of {$1500.00} after 60 days plus a XXXX enhancement in the cashback bonus I already enjoyed with my Citi Mastercard. 
I held the accounts ( checking and investment ) with over $ XXXX from XX/XX/XXXX, and at XX/XX/XXXX I requested my benefits. 
The chat feature in the website responded they couldn't do that and I had to call a phone number. 
I called the phone number and they had me waiting on hold for 20+ minutes, during which I could not do anything else, because the " music on hold '' consisted of a distracting drone repeating every 10 seconds that I should be doing this online. 
Finally, an attendant responded and as soon as I explained my request, the call was dropped. 
I can't know for certain that this was intentional, but I do know for certain that the bank didn't call me back, and the bank didn't credit the promised rewards during the following few days. 
Not having another 20 minutes to spare, I have not attempted the maneuver again : today I closed the accounts. Still, I had earned the {$1500.00} and citibank failed to honor their marketing promise.
Consumer complaint received 2020-05-21
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: Experian Information Solutions Inc. (TX)

The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social  security number. As well as the consent I gave them to report anything ...
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I contacted American Express Serve at XXXX to report Fraud on my card. I spoke with a representative who said that the department that handles fraud is now closed and I must call back at XXXX. At that time there were 2 fraud charges. When I called at XXXX there were now 2 more charges. I reported the fraud and was able to save my last {$500.00} that was on my card. And requested a new card. 
I received an email stating without any explanation that my fraud dispute was denied. I am writing to appeal this denial in the amount of {$1400.00}. We are in a global pandemic and I was recently laid off due to covid-19, and the money that was stolen was my last paycheck. I am in desperate need of my money. I had attached the Fraud form several times, appealed 3 times and was denied each time.

I am certain that there are cameras on the dates of the transactions. I have not been given a reason except I do not have enough information to prove that it is fraud. My account has been compromised yet I am responsible to prove this. How? Check the time, date and location of the transactions.
Consumer complaint received 2019-10-31
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: EQUIFAX, INC. (NV)

I have made several calls to Equifax regarding I am described as deceased. The last time was XX/XX/19 when I was asked several questions to verify my identity. I was advised that it was corrected. On XX/XX/19 my credit report was run by XXXX XXXX XXXX to obtain my credit scores for a home loan. I was advised that Equifax reported me as deceased and gave a XXXX for my credit score. I submitted a dispute with Equifax online on XX/XX/19 but I do not know if the problem was corrected because they advised me that they could not give me credit score at that time. 

Please advise.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC (CA)

I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!! 
Amount : {$2700.00} Reported XXXX Filed XXXX XXXX County Superior Court
Consumer complaint received 2019-10-31
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX XXXX Unverified Account XXXX College XXXX Unverified Account XXXX/XXXX XXXX XXXX XXXX Unverified Account Creditor Inquiry Date XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX  XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2017-07-06
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. (CT)

XXXX XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (NY)

I haven't had access to my online account in over a year. They intentionally block users from seeing their balance. I had zero interest and then suddenly they added the interest because the account was not paid in full. The issue is had I been able to see my account I would've been able to increase my payments to close the account before the interest hit the account. Every time I need to make a payment I have to call them and I cant see my balance to know if they are applying it to my account and I dont know if the balance is decreasing. 

I have called and spoken to the payment department and they insist that the account can not be viewed because they updated the system. They have been saying that a year now. Im paying them blindly.
Consumer complaint received 2020-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I've been working on fixing my credit since XX/XX/XXXX, I've disputed this account with the three major credit bureaus for the last 12 months. The two collection accounts reporting from bull city financial were deleted from XX/XX/XXXX; but continue to report to XX/XX/XXXXand XX/XX/XXXX. XX/XX/XXXXand XXXX  claim these accounts were verified, however when I ask for the method of verification I don't get a response. I've tried disputing directly  with bull city financial back on XXXX ( please see attached document ) with no response. I am unclear on how these accounts are still able to report on my credit report without any verification.
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL (CA)

Paid off loan on XX/XX/XXXX. I have not received title from the State of California. CA DMV reported to me on several occasions the Synchrony Band agreed to electronic release of title ( Paperless Title ), and that the information given does not match their record. I have been in touch with Synchrony Bank on four occasions ( XX/XX/XXXX the last ). They said they provided CA DMV the proper information, but DMV reports otherwise. I received two copies of PAPER Release, the last dated XXXX and it was released to me, XXXX XXXX XXXX as sole owner. The Primary on the account is XXXX XXXX XXXX, my mother who passed on XXXX XXXX, XXXX. But, the date of payoff was XX/XX/XXXX. I have provided this information to Synchrony Band and DMV. I have sold this vehicle, and the new owner would like the proper title, as would I. I was informed by a XXXX at Synchrony on XXXX XXXX XXXX XXXX  XXXX PST that Synchrony Band and CA DMV are and have been at odds for some length of time. I was treated rudely today by the representative at the Document Control Department, XXXX XXXX XXXX, XXXX XXXX, FL., XXXX ( XXXX XXXX, XXXX XXXX  XXXX PST ), phone # XXXX, and requested to speak to a supervisor. My number was taken and I received no call.