davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (PA)

I signed up for a bank account with TD bank using a promotion that offered a cash sign up bonus for setting up direct deposit and meeting a few other conditions. I carefully read the fine print and made sure I was eligible, and the promotional code offered applied to the account when I opened it. I met all of the conditions and the promised bonus was not applied to my account by the timeline specified. I contacted TD bank and they said I wasn't eligible for the bonus because I've received a bonus from them before. This is not in the terms and conditions of the offer at all, and in fact the terms just state you are ineligible if you've had an open account in the past 12 months ( I have not ). I feel cheated because I've now had thousands of dollars in this bank since the summer as I was trying to meet the conditions of the bonus, to no avail. I was wrongly led by the bank to open this account, and I would never have chosen to bank with them and leave my money in there if I knew they wouldn't honor the promotion I signed up with.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (DC)

Suntrust sent me a letter dated XXXX/XXXX/2016 that it would request that invalid inquiries in XXXX 2016 be removed by XXXX. 
I contacted XXXX and the rep says there is no record of any request from Suntrust. 
Suntrust checked my credit 3 times in XXXX and XXXX time in XXXX for my mortgage application of XXXX 2016.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I've tried to get the credit bureaus to fix my personal information since a year ago, but they are not updating my personal information. I faxed, Called and Sent out letters, they still did not updating anything. Please help me out.
Consumer complaint received 2022-08-10
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2017-10-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Alliance One, Inc. (NY)

Ref : XXXX Account # : XXXX I am an XXXX account holder. The debt that alliance one is trying to collect should have been immediately applied to my XXXX prepaid account, as my license plate is and has always been tied with my XXXX account. Not only that, but the transponder was on hand when I passed the toll ( so I am confused why it even went to alliance one ). 

My XXXX account # is : XXXX My XXXX transponder # is : XXXX
Consumer complaint received 2016-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IL)

1. My loan has been improperly calculated under the IBR XXXX % repayment program since XX/XX/XXXX. Specifically the providor used my gross income instead of my adjusted gross income. Upon contacting them they promised to review the loan within 30 days, to date they have not. 

2. I requested to be switched into the new REPAYE program on XXXX/XXXX/15, to date I have not been switched even though I qualify. To date they have not honored my request.
Consumer complaint received 2024-03-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (WI)

Per letter received, dated XX/XX/23, I am due a refund of {$3800.00}. It was stated in this letter that I would receive the refund approximately 60-90 days from the date of the letter. As of today, over 150 days since the date of the letter, I have not received the refund.
Consumer complaint received 2020-05-28
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. (FL)

I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful Thank You
Consumer complaint received 2017-08-23
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. (NJ)

Collection account appeared on personal credit report for the first time on XX/XX/XXXX from a business called XXXX XXXX XXXX apparently a collection agency attempting to collect on a {$190.00} debt owed to a utility company. I notified them that I have never not paid a utility bill of any kind and they stated that they do n't need to provide validation of any debt beyond 30 days and this debt was assigned to them back in XX/XX/XXXX. However, I never received any notice from them relative to any debt allegedly owed. They refuse to remove this erroneous item from my credit history.
Consumer complaint received 2015-12-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

several slandering, tricks, and false information, i am very satisfied with bank just some of the employees are moving side ways doing improper actions or statements like in the claims department, or the merchant services reps not showing for appointments, asking some bankers for business bankers and saying none are available and then one accepts me right away. from the bank enough is enough. and before they stated there were no fraud alerts or security and now there is. i love bank of america but some of these need to adjust. adding fees to credit cards that are not due.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

I contacted XXXX XXXX in order to pay off an outstanding balance on a credit card that had been charged off and was instructed to work with XXXX XXXX 's attorney. I spoke with them and they offered to settle the account and mark it as paid on my credit report and remove an associated judgement. I made the payment and now they are not changing the balance owed on my credit report. I have the offer letter and a copy of my receipt so the balance should be changed to {$0.00} and the utilization percentage on my credit report should also be changed to {$0.00}. I disputed the amount on my credit report and they reported that the balance is correct, which is untrue. I believe their actions are at least unethical, if not illegal.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX they have 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 an 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 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OK)

During the past three months, XXXX has been reporting to the credit bureau 's that I have been 30 days late. This information is incorrect and false as XXXX raised my monthly payment of my loan without my knowledge and without informing me. I continued to make the monthly payment that I was making since day one. Prior to this, I never had a late payment that was posted on my credit report from the XXXX. I have contacted the XXXX where I get nothing but disrespect and people that are unwilling to clear up this problem. I challenged my credit report as which time Experian did n't delete the late payments.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (FL)

My cell phone XXXX was fraudulently ported to XXXX XXXX XXXX Since then on a daily basis my passwords are changed on my Chase bank account. A person in XXXX Florida submitted a rush order to send a debit card to them and my account was charged {$50.00}. Chase took care of this. Today I am unable to sign in to my XXXX 's account after receiving an email from them today. This person requested my wife 's Chase credit card be mailed which Chase sent. I called Chase and the card was cancelled and they are sending her a new one. Every day I have to fight a new action. Today my wife is unable to sign in to her Chase account because her password has been changed. They add a character to our email to access our accounts. My XXXX is changed by adding a second y after XXXX. My XXXX is changed to XXXX by adding an l. They also attempted to get into my XXXX account. XXXX is my internet provider.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (NC)

A debt was added to my credit report, that I was unaware of in the amount of {$1500.00} acct # XXXX ( XXXX ) This is hurting my credit negatively and I need this removed as soon as possible 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 [ name of provider ] 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 2020-03-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arete Financial Group (NY)

Disputed : XXXX/XXXX/XXXX CFPB : XXXX XXXX XXXX XXXX Arete Financial Group LLC Account : XXXX In XX/XX/XXXX I contracted the services of Arete Financial Group, LLC a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : XXXX XXXX with an balance of {$15000.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$15000.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer of installments payments to the creditor made on XX/XX/XXXX for the remaining balance was declined by the creditor of which I am grateful,, my financial accounts highlights that the reporting balance is incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Consumer complaint received 2017-08-23
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. (LA)

I 've tried several times unsuccessfully to have some inquiries removed from my Transunion credit report as they are reporting inaccurately. Then finally I spoke with a Transunion agent on XX/XX/XXXX who looked over my credit report and stated that these items would be removed due to them being reported inaccurately. I received a confirmation number and was told that my credit report would be updated in 24 hours with these inquiries removed. On today XX/XX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!
Consumer complaint received 2015-10-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc. (TX)

I have full coverage insurance with XXXX XXXX XXXX of Texas and they have agreements with hospitals and the doctors that the hospitals contract with. I do not have any deductible that I need to pay, but XXXX XXXX XXXX has turned over a bill in the amount of {$27.00} to a collection agency I guess in spite, due to their irritation that XXXX XXXX had adjusted their bill in the amount that they had contractually agreed to do work for with them. They feel that their last and only way to get back at some one is to hurt my credit by putting it into collections against me for such a measly amount with CREDIT SYSTEMS INTERNATIONAL instead of just abiding by their agreements.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing about fraud perpetrated against me by American Express and XXXX. This past Spring I booked a cancelable hotel room in XXXX, I was going to visit my granddaughter who was studying abroad. I had XXXX XXXX and submitted proof a month in advance of the trip, that my doctor would not allow me to travel. No hotel room was used, yet Amex conspired with XXXX to then ( later ) charge me {$1100.00} for services I did not receive, use of the hotel. I submitted proof to Amex that the trip was cancelable, but even when escalated Amex indicated that XXXX was a larger customer than I am ( I am XXXX XXXX XXXX and a 50 year member ) and so they felt obligated to commit fraud with XXXX and charge me. Although my reservation was cancelable at no charge, XXXX somehow claimed they had decided to book a non-cancellable hotel and they would be charged so they needed to commit fraud with Amex 's assistance and charge me.
Consumer complaint received 2015-11-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (IL)

I am currently paying on a high interest loan for an education from XXXX XXXX XXXX XXXX Illinois that is not worth putting on a resume because of all the legal matters going on with fraud and passing students just to push them through. Even XXXX XXXX and XXXX XXXX tell people to stay away and do n't enroll in these colleges
Consumer complaint received 2022-02-19
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. (LA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (IL)

There is old outdated credit on my file when I dispute the information Equifax just updates information does n't accurately dispute the information I do n't believe it even does to the creditor who is reporting. Since I joined the credit monitoring program my score has gone down significantly.
Consumer complaint received 2017-10-16
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. (GA)

I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX Rent XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: VIRTUOSO SOURCING GROUP, LLC. (MA)

I happened to check my credit report today and to my surprise, i noted some activities on my credit showing different addresses and phone numbers that i never lived on nor heard about. I realized that my credit report had negative items that i was n't responsible for and i believe that my identity was compromised and my name was in collection agency.
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.