davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-05
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. (AL)

I have reached out and wrote all three credit bureaus about the identity fraud that I was a victim to back in XX/XX/2019 with a company called XXXX in the amount of {$17000.00}. Also I was victimized again on XX/XX/XXXX with fraud with a company called XXXX in the amount of {$26000.00}. I wrote numerous letters and sent police reports to XX/XX/XXXX, Equifax, and XX/XX/XXXX with no response. These 2 accounts are not mine and needs to be off my credit report immediately. Thank You
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (NY)

I did not realize I missed the pay off amount of my Bill of {$520.00} with XXXX First Finacial on XXXX and I Accrued an Interest Charge of {$720.00} added to my Account. 
I offered to pay off the remaining balance of the account owed today of {$1300.00} on XX/XX/ if they would remove or lower the accrued interest of {$720.00} and was told they would not. 

So on my latest Billing Statement if I fail to pay of the next Balance of {$800.00} by XX/XX/2023 I will Accured Interest of additional {$620.00} more to my Bill. 
This was all done from XXXX work from XXXX XXXX. 

This is just crazy! Can you help me? 
Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone XXXX email XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX, Account # XXXX has incorrect information, in this report of XXXX XXXX states my last payment was made XX/XX/2018, However the payment history chart shows my last payment was XX/XX/2018. Under ( U.S.C Sec 1681i ) it states that if you cant provide proof the account must be deleted.
Consumer complaint received 2022-04-26
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. (FL)

1.In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 2. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account numberXXXX XXXXas 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 3.In accordance with the Fair Credit Reporting act XXXX XXXX Account numberXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

XXXX XXXX XXXX is reporting collection accounts on my credit report when they are not authorized by having a collection agency bond in the state of NJ. I have contacted the NJ Secretary of State and  was told that there is no bond on file for XXXX XXXX XXXX. They also told me that XXXX XXXX XXXX XXXX, which is the parent company of XXXX has 2 bonds that expired on XX/XX/2018. NJ state law statutes ( N.J.S.A. 45:18 et seq. ) dictates that no person can operate a collection agency, collection bureau or collection office or engage in the business of collecting or receiving payment for others of any account, bill, or other indebtedness without having a sufficient bond on file with the Secretary of State. With this newfound information I demand that all accounts being reported to my credit be deleted IMMEDIATELY as XXXX is completely breaking NJ state law and has been doing so since XX/XX/XXXX when I disputed these accounts. 

They are reporting 9 accounts that should all be deleted. Account Numbers are below. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2021-11-10
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: ONLINE Information Services, Inc. (TX)

This bill was paid in XXXX ; incorrect credit reporting as there was never a collection to be reported in the first place. This collection has dropped my score over 150 points, and now I can not get the house I want due to a collection that should not even exist! Every time I would call to get this resolved and let them know it should be removed, the XXXX was updated, so it just drags my score down even more. I can not even deal with this issue with the creditor because they refuse to listen. This is NOT my collection ; period. I didn't even live there since XX/XX/XXXX!
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Gregory Alexandrides, LLC (DC)

Ii contacted the original creditor, XXXX XXXX XXXX and got no response from them, I then contacted the attorney 's office of Gregory Alexandrides LLC, I spoke with a law clerk who could not locate my file and never returned my call as promised.
Consumer complaint received 2022-04-26
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. (FL)

1.In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 2. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account numberXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 3.In accordance with the Fair Credit Reporting act XXXX XXXX Account numberXXXX  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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2024-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (WA)

In XXXX of this year, I requested a review of my account as well as a school misconduct form based on the findings from the department of Education : " Based on an ED finding that XXXX XXXX XXXX  made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at XXXX XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by XXXX XXXX XXXXXXXX, ED has determined that it is appropriate to discharge the outstanding loans made to all students who enrolled at XXXX XXXX XXXXXXXX during the time period described above. '' As well as the findings about the lender : " Beginning in XXXX, Navientknown then as Sallie Maeengaged in predatory loan practices with fraudulent, for-profit colleges in exchange for a steady supply of borrowers. Many of these loans still remain in Navients portfolio and are eligible for cancellation due to Navients misconduct and under the FTCs Holder-In-Due-Course Rule ( Holder Rule ), which allows borrowers to raise the same claims and defenses against a loan provider that they could raise against the original seller of the good or service. '' Also, I am aware that they have a pilot program for students ( such as myself ) who attended a " for profit '' school who defrauded them, to discharge the loans taken out with the lies/fraud the school fed them. 

I understand that the Holder Rule would apply here, as the product or service purchased, was done so with me receiving false or fraudulent information from the school, and wish to receive a school misconduct form from the loan servicer, and complete review of my account. 

I have yet to receive a school misconduct form from the servicer, even though I requested one.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery wont stop calling me. They call me multiple times a week and sometimes even multiple times a day. It is from different XXXX area code phone numbers. Ive blocked them as theyve come in but they continue to call. I do not owe any debt. I would appreciate it if they stop calling.
Consumer complaint received 2021-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

My credit card balance is {$0.00} on my XXXXXXXX XXXX XXXX and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.
Consumer complaint received 2019-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc. (AL)

FOR PROFIT DEBT BUYERS WROTE ME ON XX/XX/19. I actually received their letter postmarked on XX/XX/XXXX. I kindly responded to their Frivolous claim onXX/XX/2019. I simply advised to Cease and Desist, Validate to actual debt and valid ate themselves to me. I responded in accordance to their fraudulent letter in a timely matter as I do not have a Valid Contract with Nationwide Recovery Service, or do not wish to contract with them. OnXX/XX/19 Nationwide Recovery issued a unknown medical Record with no instructions, reply, or response to my originally mailing. But as of XX/XX/XXXX NationWide Recovery Service has reported the disputed Frivolous debt to all the Credit Reporting Bureaus without verifying the debt. Identity Theft has been committed by Nationwide Recovery Service as they obtain my Social Security Number illegally and Hippa Laws are broken as they obtained alleged medical records without my permission.
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have two account XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** and one account XXXX XXXX XXXX   XXXX**** and one account XXXX XXXX XXXX**** and one account XXXX XXXX XXXX**** I have disputed all have of these accounts as having unauthorized charges on the account. but still transunion comes back as verified how is that possible are they seeing every transaction with signed receipts. I don't think so I believe they are not even investigation but instead just saying that they are.Because the only way to verify if transactions are authorized is to have a signed receipt without that there is no way to verify.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (OH)

On XX/XX/XXXX I was in a car accident, totaling my XXXX XXXX XXXX I filed a claim with my XXXX XXXX insurance company about 2 days later after leaving hospital as well as informing my lender bridgecrest that the car was damaged. The car was deemed a total loss and my adjuster reached out to bridgecrest and by XX/XX/XXXX a check was sent to bridgecrest from the insurance for $ XXXX still owed about {$14000.00} before the insurance payment and now the balance is XXXX which will be taken care of by bridgecrest gap coverage that they said was filed on XX/XX/XXXX but they charged off my account and has it showing as a repossession hindering me building my credit and obtaining a new vehicle. Every time I call they keep saying XXXX to XXXX for the gap pay but it is very negatively affecting my credit score and its a total loss not a repossession.i disputed it and they reported insurance paying off but still did a charge off
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I received 2 letters from Huntington National Bank confirming that I opened a checking and savings account online on XX/XX/21. I did not open either account and they were both done under my maiden name. I called Huntington Bank to dispute the accounts and they said they will file a claim against them. I also asked if they run new accounts through the 3 credit bureaus because my credit is frozen, the rep said that they do but there would have been no way these accounts were open if that was the case.
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I am dealing with two promises XXXX is not keeping : CASE 1 ) I 've referred a friend through Text message on XX/XX/XXXX, their system for some reason has missed it and they seem not to accept that it their fault. In other words, they promised rewards if I refer people to XXXX XXXXnd are not paying the rewards they promise to everyone who refers people to XXXX I 've inquired about it in XXXX via XXXX, failed to complete. Then on XX/XX/XXXX I 've filed another inquiry " XXXX '' which did not end yet besides their 6 to 8 weeks promise. CASE 2 ) In XX/XX/XXXX American Express has sent me an offer according to which if I add four authorized users and they spend {$250.00} ( each ) within the first 3 months, I will get {$25.00} statement credit for each 4 cards. All requirements were met within a month and I 've received {$25.00} for only one out of four cards. Ever since then, I 've opened two inquiries/cases : 1. XXXX ( XX/XX/XXXX ) and 2. XXXX ( XX/XX/XXXX ). -Do not delete the case numbers please as I want American Express to be aware of this complaint since they are not connecting me with any Executive Office team to complain. -Both cases were closed without any resolution in my favor. American Express is not even providing the reasoning of their decision or what was it based on. -I 've contacted them so many times that I am sick of even their lies and misleading statements. Almost at all times I 've spoken to them, I 've not gotten the same answer. Everybody has given me a different answer regarding these offers. Conclusion : They have failed to provide what they have promised ; Their offers on both of my cases were definitely misleading and inappropriately handled. The whole experience is taking forever and getting worse and worse every time I talk to them. I will not stop until this reaches any institution that should protect customers from misleading offers, lies and this horrible, irresponsible treatment.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MT)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. 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 item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

I purchased my home in XX/XX/2003. My mortgage was sold several times and each time with larger problems. Eventually I was told the house would be foreclosed If I didnt agree to modificatioN. 
I have all of the paperwork to support this. 
Ultimately I have a XXXX balance on a mortgage of XXXX. That I have been paying monthly in for 14 years This is a travesty and I need help addressing this
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good day, For the second time I am complaining with you guys about a " ton '' of wrong information on my Transunion credit report and inquiries not made by me. I told transunion in many occasions during this year, thru their customer service lines, about the names and addresses that are not mine and about a name change that was not authorized by me. 
I placed a security freeze on my social security number and a week later I had an unauthorized inquiry at the island of Puerto Rico, really?? after a security freeze? 
I told transunion my name, address, social security number the names and addresses that are wrong and that my name is the only name that should be in any credit report under my social security number. You know what they did? they send me a report with my address, file number and the wrong name, AGAIN!! and all the wrong info is still there!!! 

I even placed a complaint with you guys and you did nothing! THE PROBLEM IT IS STILL THERE AND IS AFFECTING ME!!!!!!! big time. 

Transunion also even lowered my score 70 points on XXXX XXXX right before hurricane Irma hit Florida, in one day with any wrongdoing from my part and without any notification or reason of why they did it. At that moment I had two secure loans both paid in time every time, and that after I placed my complaint with you and the FTC both useless, because they are still providing wrong information under my social security number. Two years of hard work to improve my score and BOOM!! GONE IN ONE DAY!!
Consumer complaint received 2022-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Beginning of 2022 i attempted to get continued XXXX  assistance my application was denied. In early 2022 i did a modification. The modification was completed in XXXX of 2022. I paid the amount of modification i attempted to pay my debt in XXXX of 2022. I saw my payment increased by almost {$300.00}. I contacted the company they said my escrow amounts increased. After review of escrow analysis it increased total XXXX. The company stated the escrow balance would not be up to date based on what should be maintained in the account. I neber received a formal notification of any change to a modification that just occurred XX/XX/2022. 

I beleive two things are occurring : 1. After finalizing a modification which only reduced payment by {$25.00} 2. Mortgage servicer and lender are attempting to recoup XXXX  assistance monies without using that term. 
3. Mortgage servicer and lender are attempting to increase payment to force a foreclosure because of current housing market and lack of peoperties