davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX & XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2016-09-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MiraMed Revenue Group LLC (IL)

Before XXXX I was an uninsured unemployed XXXX in need of emergency medical care so I went to XXXX XXXX ( Indiana ) hospital XXXX. Resultant in a medical bill that is with collection agency named Miramed Revenue Group ( XXXX ) in amount {$910.00}. I would like an opportunity to settle this so it can be removed from my credit, please. This company has many reviews that complain about its lack of Customer Service
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

My recently opened TD bank checking accounts were shortly after closed and I was told at the branch that they do not have explanations why I can not continue relationship with the bank and ever open another account in future again. I also called the fraud prevention center because I was advised by the manager of the branch location near me to call and verify my identity, which I did and I was cleared and the account was reopened for two days, and than I was locked out again. I called the number of the bank to find out whats the problem, and I was told that I need to go to the branch. I was told at the branch that the TD bank has ended relationship with me and no further information was available, no explanation. The account was closed on XX/XX/2023 with balance of XXXX cents. I dont understand what is the reason for this type of mistreatment, they gave me no valid reason. This has been happening to me with several different other banks prior to this one like XXXX  XXXX closed me with no explanation, than XXXX, XXXX XXXX, XXXX XXXX, XXXX and I applied for XXXX was denied, applied for checking account at XXXX XXXX  was denied, XXXX XXXX  was denied a checking account. I was not told a reason why! I called and went to the branches and followed their instructions of verifications, and no result.
Consumer complaint received 2022-09-07
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Since rates have decreased my wife and I wanted to lower the rate and shorten the term on our existing 1st mortgage. Currently, we have both our 1st and 2nd mortgage with Bank of America ( BofA ). We had recently refinanced our 2nd mortgage with BofA so I contacted them about refinancing our 1st mortgage. I was given a rate/fees that were much higher than what I had seen advertized so I checked rates with a couple of local lenders. I found rates/fees much lower than what BofA quoted me. When I ask my BofA rep about why my rate/fees were so much higher he told me that I would have to submit the competitor 's quotes to receive a better rate from BofA. All of our communication was done via email so I can document everything I am stating. I was not comfortable with this type of business practice so I chose to refinance with the local lender which offered the best rate and fees. Once the refinance closed and the 3 day rescission period was up BofA informed the title company that I had to pay a {$250.00} subordination fee so they would subordinate our 2nd mortgage. I have never heard of a lender charging for this, nor did BofA ever disclose this fee when we closed the 2nd mortgage. However, in an effort to get the deal done I paid the {$250.00} to the title company. Then I was informed that BofA would not accept this {$250.00} fee in the form of a wire transfer from the title company of a deposit at a local branch. They would only accept it as a cashiers check that had to be mailed to them. This derailed the refinance. It did not fund and I am stuck paying another month worth of payments at a higher rate, another set of closing fees, and forced to take time to close another loan.
Consumer complaint received 2015-07-08
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (ID)

Redeemed a promotion through XXXX XXXX. I received a {$50.00} debit XXXX reading " valid thru XXXX ''. On XXXX/XXXX/2015 I attempted to activate the card for use and was told by citibank ( XXXX # XXXX ) that the card was promotional and expired and he would not reissue the card although it still had {$50.00} on the card. I explained that the card reads on front that it is a " Debit '' " XXXX '' for {$50.00} and I requested that a replacement card be issued to access those funds on the debit card. He refused stating it was promotional. I understand that debit cards are often handed out as part of promotions - but nonetheless- this card reads " Debit '' " XXXX '', still has funds that I would like access to ; that he was refusing access to funds given to me. This is not a " use it or lose it '' situation. I was promised a {$50.00} debit XXXX and I would like to use that {$50.00} at my leisure and if the card expires, please issue a new XXXX so that I have access to the funds. A promise is a promise.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (FL)

I had a credit card with XXXX ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
More I never gave my written authorization to XXXX to report this account on my credit report. However, the account has been reported which is a violation of my right. In accordance with the Fair Credit Report Act XXXX Account # XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/XXXX Spoke to a rep about high interest rates and minimum balance fees.

XX/XX/XXXX noticed discrepancies with my account..

this problem has been on going for months..

back-end system manipulated fees being charged to accounts.. later embedded as " interest fees '' the numbers just do n't add up!! and someone is walking away with tons of $ $ $ $ $
Consumer complaint received 2016-07-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NC)

It is with disdain that I write again to the CFPB in regard to the non reporting of my mortgage to the credit bureaus, by Wells Fargo. I called and spoke with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ( whom stated he has over 10 years of service ). Yet chose to conduct himself in the most unprofessional manner that I have come across and XXXX XXXX as well. My point of contact XXXX XXXX has failed to return calls and or email messages. In speaking with all representatives concerning this matter I was met with, combative, unprofessional, abrasive and confrontational attitudes and behaviors by all with the exception of XXXX XXXX. Additionally I have sent several messages to XXXX XXXX as well, whom chooses not to return my calls and or emails. This is protocol with the executive offices and with this latest correspondence, I have forwarded this email to the Executive offices in hopes of receiving a response, yet not one has yet reached out. Additionally, I encourage the CFPB offices to pull all calls placed to the executive offices by myself, for the past week and a half. This so you can absorb the full scope of what goes on in the executive offices on the daily basis.
Consumer complaint received 2017-07-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

Last year I contacted the company about reduced payments due to financial hardship. I had been making my scheduled payments timely but in the month of XXXX of 2017 I had extenuating circumstances that prevented me from being able to make 2 payments. I called Navient and they were unwilling to help. I called again yesterday because I am now able to make the payments. I wanted to discuss with them the options about getting caught up given that I am 2 payments behind but ca n't pay them all at once. My credit report is being significantly affected and I am trying to correct the issue given that my employer could terminate my job due to my credit score dropping. The Navient rep was unwilling to help me- I asked about deferment or forbearance or capitalizing  the past due even if it resulted in a slightly higher payment, and the rep only responded with " sorry there is nothing that can be done '' even when I mentioned I could lose my job all together. At this point I feel like I have no options- I am trying to get caught up but the company is unwilling to help. This repayment is for a loan that was initially taken out with XXXX XXXX- they transferred to Navient- I had tried to work with XXXX XXXX as well because interest was capitalizing at a rate of 9.75 % and by the time I finished school the debt balance had doubled- then when it was transferred to Navient I had to start again with getting the loan looked at. Had I clearly understood what this loan was going to turn into I would have sought alternative solutions for paying for school. I appreciate any help in ensuring that the company is willing to work with someone who wants to repay the debt but needs a bit more flexibility. Thank you!
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Auto loan at XXXXXXXX XXXX XXXXXXXX XXXX has been paid off and account information needs to be updated. 
Balance {$6500.00} is incorrect. 

Balance is {$0.00}
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under XXXX XXXX ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I opened a XXXX credit card account with Santander in XX/XX/XXXX. I subsequently cancelled it on XX/XX/XXXX but paid the annual fee that was due prior to my cancellation ( XX/XX/XXXX ). I sent the cancellation request via certified mail return receipt requested. For their billing cycle XX/XX/XXXX - XX/XX/XXXX I received a bill for fees and interest in the amount of {$49.00}. I returned a letter reminding them I 'd cancelled the account a year before and included copies of the certified mail receipts. A few days  later I received a call from Santander requesting I call them which I did on XX/XX/XXXX ; I had long conversations with several Santander employees explaining the situation until XXXX ( # XXXX - no last names ) who assured me the account would be closed and all fees, including interest of {$1.00} which had already accrued, would be deleted. This week I received a bill for the original {$49.00} plus {$26.00} fees and interest. I think it important to point out that my husband went through this same process with Santander less than a year ago ( case # XXXX ).
Consumer complaint received 2016-03-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (NJ)

In XXXX of 2012 I inquired about obtaining a degree in the medical field/becoming a medical assistant. I was soon bombarded by phone calls from the XXXX XXXX and finally was scheduled for an in person meeting with a counselor in the XXXX XXXX, NJ location. I was XXXX years old and unsure of what I wanted to do with my life. My counselor convinced me that the medical assistant program was for me because I would be certified in 9 months and XXXX would help me secure a job after my graduation. Even when I hesitated and told my XXXX I wanted to possibly start in XXXX, he insistent that I start by XX/XX/XXXX, meaning I had less than 3 weeks between my first introduction to the XXXX XXXX, to when I would start the medical assisting program. This was short time to make a decision. When I met with the financial services representatives at XXXX they quickly told me they could secure a loan with the XXXX XXXX XXXX to cover the cost of school remaining after federal loans. Again, I was XXXX years old and did not have a parent or guardian present to help with my decision ; just the knowledge that I was now starting school in less than 3 weeks and needed the funds to pay for it. The interest of my loan or how long it would take me to finish payments was never explained to me. I feel the XXXX XXXX in XXXX XXXX, NJ pressured me into enrollment and further more encouraged me to make an irresponsible decision in obtaining a private loan from the XXXX XXXX XXXX.
Consumer complaint received 2017-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (CA)

I applied for the Discover personal loan for {$34000.00} for debt consolidation on XX/XX/2017. I was requested to send in my wife 's pay stubs as well as mine, which i did promptly. After a day passes I tried to check the status of my application and I saw that it was denied because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I contacted them and asked for an explanation because they are required to give a specific reason why it was denied but they refused to and said thats the best we can say. I have a fraud alert of my credit reports for my own protection and when they checked my credit they did n't even call to verify that it was me who applied for that card and then they deny the loan because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I spoke with them for about 30 minutes and nothing changed and they were insisting that they are following the law and they do not have to give me explanation to why it was denied. I need to teach this company a lesson so they understand that they ca n't just advertise personal loans and when you apply they deny it for a reason that is not comprehendible.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

I had a balance with XXXX and it was paid through XXXX my account was supposed to be removed from diversified consultants system by XXXX and deleted from my credit reporting. My account is in good standing and I am a current customer and diversified consultants does n't have a right to report this account. Diversified up dated my credit report XXXX/XXXX/17 to reflect closed and XXXX balance and this account should have been removed entirely then they went back and updated my account after XXXX/XXXX/17 reflecting open with a balance. This is inaccurate reporting and needs to be deleted from all three credit bureaus. Attached are the reporting errors and the receipt of payment with XXXX.
Consumer complaint received 2022-09-08
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

On XX/XX/XXXX, I received an alert regarding a decrease in my credit score reported by XXXX. I checked with XXXX, and a debt collector called EOS CCA reported that I owe {$2700.00}, with an original balance of {$2000.00}. XXXX also reports that the payment status is " seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The account with EOS CCA was opened on XX/XX/XXXX according to XXXX and the original creditor was XXXX XXXX Bank. I did take out a XXXX XXXX student loan in XX/XX/XXXX, but was never notified in any capacity that this loan had been transferred to EOS CCA by any involved parties. The co-signer of the XXXX XXXX student loan was also never contacted. XXXX XXXX 's website also does not report anywhere that this debt had been transferred to EOS CCA, with the last financial disclosure document available for me to download on their website being from XXXX. 

I had absolutely zero knowledge that this debt was owed until XX/XX/XXXX despite the account supposedly being opened on XX/XX/XXXX. I STILL have not received written, electronic, or phone communication regarding this debt. The only reason I found out about it was because my credit score dropped and the bank that issued my credit card alerted me to it. 

The actions taken by EOS CCA have drastically harmed my credit score when I am trying to improve it in preparation to take out a vehicle loan.
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

This debt was not mine as this is a business account and I am only an employee. The company has been notified by my employer as well as XXXX however they continue to report. This account was a commercial account, I was just a contact person not the responsible party. This company has reported this as a residential account despite being updated from XXXX. Numerous faxes, phone calls, and letters have been written. They have only updated the account to thw bureaus stating that this has been paid however this is not my account and must be deleted as they are reporti g it fraudulently. They are well aware. They have been explained the urgency however they refuse to remove and continue to hang up calls, my escrow has been delayed and may even be cancelled XXXX to the derogatory report.