davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
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. (CA)

A XXXX CREDIT ( ACCT XXXX ) ACCOUNT THAT BELONGED TO MY FORMER XXXX WHICH I WAS A AUTHORIZED USER IS LISTED ON MY CREDIT FILE.I DISPUTED WITH ALL THREE CREDIT BUREAUS.XXXX AND XXXX  DELETED THE ABOVE MENTIONED ACCOUNT, EQUIFAX REFUSED STATING THE ACCOUNT BELONGED TO ME.THIS CLEARLY IS NOT THE CASE.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX 5,2017 I received an alert on my phone that XXXX XXXX reported my mortgage 30 days late. Which dropped my score 57pts. Made contact with Transunion and XXXX to conduct a dispute. They stated it was verified from XXXX XXXX as being reported correctly. I then made contact with XXXX XXXX they have nothing in the computer saying I was 30 days late. I asked XXXX and Transunion how did they verify this information. I have had this mortgage 4 yrs never once was late.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.
Also section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter, and await your reply.
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XX/XX/2021 we filed an refinancing application with Citizens Bank that was approved. We were told that the loan would close in three months but as of now we have not completed the process. Thy have miscalculated the numbers of in the closing disclosures several times, this includes the payments, the interest and closing costs. They have also told us other requirements that was not true and they've withdrawn. I need someone to please take a look at the documents they have sent us and let us know if they are adhering to consumer and banking laws.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc. (TX)

I am unaware of the debt with Automated Collections. I didn't get the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I got the proper notification, please provide the certified mail with the receipt, with my signature on it stating that I received it. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. Sincerely, XXXX XXXX
Consumer complaint received 2021-11-05
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: BARCLAYS BANK DELAWARE (CA)

2 Merchants are trying to refund my purchases but Barclays isn't helping at all. I have documentation proof from both merchants showing they have tried crediting my card back.

Barlcays asked for those documents and now they're saying the charges are valid which is really confusing because the documents clearly state im due a refund. 

those charges are XXXX XXXX on XX/XX/2021 for {$2000.00} and XXXX on XX/XX/2021 for {$1000.00}
Consumer complaint received 2017-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC (FL)

I have contacted XXXX XXXX and have obtain proof that XXXX XXXX has paid this bill according to the contact enclosed is the form that was sent to me. I advised this collection agency the same information and they still place account against my credit. I feel this collection agency violated rules and regulation and should be punished to the full extent of the law this collection agency CEO and staff feel there above the law and do not have to obey rules. Rules and laws are there for everyone to obey, and what XXXX XXXX XXXX have done in this action is with disregarding all rules place by the Fair Debt Credit Act and should be fined. Enclosed is the verification that XXXX XXXX has sent me that the account is only XXXX invoice for {$1500.00} however again violating Fair Debt Credit Act Ability Recovery Service placed XXXX account same opened date of XXXX/XXXX/XXXX and same amount of {$1500.00} and same company which is XXXX XXXX XXXX XXXX. This bill to XXXX XXXX XXXX XXXX were paid in full. XXXX enclosed payment verification. I will also be filing complaint against XXXX XXXX XXXX XXXX to XXXX for the stress that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have placed on a person with XXXX XXXX, XXXX, and XXXX XXXX and XXXX XXXX replacement. 
Because of the stress your agency has caused me with the phone call and letters although I told your collector that this bill was paid with amount and date payment was paid to XXXX XXXX XXXX XXXX and faxed a verification of the payment to XXXX XXXX XXXX and they failed to call their client and verify the information. 
Your agency and your client XXXX XXXX XXXX XXXX has caused me to get readmitted. I will also speak to the XXXX XXXX for Florida XXXX
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

From XX/XX/XXXX - XX/XX/XXXX, I was enrolled in a health professions program. I received Stafford, PLUS, and Perkins loans during that time period to finance my education. After completing 2.5 years of the program, I was dismissed due to a health condition. After the grace period of six months, I was unable to pay back the loan at the required rate due to unemployment or lack of funds. By XX/XX/XXXX, I had a steady job and consolidated my loans so that I could repay them. The total balance was XXXX. I have been paying on the loan consistently from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I took advantage of a student loan refinancing offer from Citizens Bank and refinanced my loan. My balance at that time was XXXX. Today my balance is XXXX. I would like assistance in determining whether my current loan balance is accurate. It seems that after paying on the loan consistently for 15+ years that my balance should be lower.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Balance transfer — 
Company: Bread Financial Holdings, Inc. (IN)

Comenity Meijer. Got an offer for balance transfer zero interest until 2018. I initiated the balance transfer online from this card to XXXX for {$900.00}. It posted to my account XX/XX/XXXX. I followed up got late fees and interest. It never posted. Comenity indicated to wait, it could take weeks or months. In XXXX I believe I contacted them again via messaging. Finally they opened up an investigation. In XXXX I received a letter that it was never cashed and I called to have the money returned to my account. They advised they would stop payment immediately and get the money back into my account. They never did. Called again in XXXX and they said they 'd investigate. Never called back. Called back again and was told it was cashed so I asked ONCE AGAIN for a copy of the cancelled check. I was told a request would be escalated. Instead I got a letter confirming the check number XXXX cashed and they were closing out their file. I called today for a copy of the cancelled check AGAIN and the rep said the next day notes were put in the day after the letter was generated, XX/XX/XXXX, that check was NOT cashed. I said then stop pay and refund my account immediately. She said she 'd send to the person assigned to look into this. My first inquiry was XXXX and now it 's XXXX and I am out of {$900.00}. I need this resolved immediately.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2017-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I received a letter from Santander Bank saying that they approved a card application that I submitted. I had never submitted an application for a credit card from them! They also said that they had received a credit report on me that I had not approved them to get. I do not even have an account with Santander bank. Either someone is using my name and address to get a credit card or the bank is trying to get me to charge money on a card of theirs. 
The letter was dated XX/XX/2017. They say the application number was XXXX There was no signature on the letter only Santander Bank, N. A.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

This company is a collection agency and they are trying to collect on a debt that is not yet eligible for collections as this is a closed account with XXXX XXXX XXXX that is not yet 30 days past due. They are calling this a " pre-collection '' debt account that they are trying to collect on.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

Hi!! 
I have had an account with Best Buy for about 10 years. I have never missed a payment nor have I ever had any slow pays on the account. I made a purchase on the card and paid the account in full and over paid what was due by {$150.00}, so a credit of {$150.00} was applied to my account. 

My credit limit on the card is {$1200.00}. After that, I made a purchase around {$100.00} which still gave me a credit of about {$40.00}. I also received a statement in XXXX stating that as of XX/XX/XXXX, XXXX the balance was paid in full and that I was using 0 % of my accounts limit. 

In contrast- for whatever reason- I received a notice in XXXX stating I was 30 days past due in the amount of {$2.00} and it was reported on my credit. I immediately- left my job .... I am an essential worker and went to Best Buy to make the payment of {$2.00} and spoke with a manager. I was told I need to dispute the discrepancy with CBNA BANK. To date- I have not received any type of resolution. I have sent in copies of the receipts and bills to show my payment was made on time and also showed the bill that was sent to me stating I have never paid late. I am very frustrated because they have made an error by reporting this on my credit and my score have drooped over 60 points. AND THEY CONTINUE TO REPORT ME LATE ... .. NOW IT SAYS IM OVER 90 DAYS PAST DUE!! 
I was in the middle of financing for obtaining a home loan. Now my family and I can not move forward.
Consumer complaint received 2017-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (AZ)

There have been numerous times where chase chooses to pay larger amounts instead charging the amounts in the order that they were purchased. In my specific situation I had the funds available when these smaller items were purchased. But Chase chooses to pay the larger amount first in order to be able to charge the customer overdraft fees for the smaller items that were purchased when funds were available. This is UPAAD ( for unfair deceptive or abusive acts or practices ), which I believe Chase is in violation of.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse items of information, other than records of convictions of crime 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 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC (AZ)

Induced into a " gap '' loan known as " XXXX ''. This was in conjunction with a federal loan. Even though we have above average credit scores, we were shocked to find out that this was a 12 % loan. We have taken out several consumer loans and have received two to five percent funding on those. We paid monthly as we were waiting for the 40 % reduction to take effect. We found our loan was turned over to someone outside of the XXXX XXXX that started the XXXX for the XXXX loans. We believe they are selling these loans to other servicers without addressing the loan reduction. Our loan originated in late 2012, right in the middle of the XXXX rip off. We have sent a letter to the loan servicer requesting the reduction and put them on notice of our intent to suspend payments until the XXXX lawsuit is settled. Part of the lawsuit requests rescission of these bad loans. We will continue to pay on our federal loan as regards the education. Still not happy that even with a degree the income from this education reaches 60 % of the XXXX dollars necessary to achieve a middle class existence. So much for higher education.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Delinquent account — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union ( NFCU ) Acct # XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XX/XX/ 2021, I noticed XXXX XXXX was reflecting on my credit report negatively. I sent a letter to the bureau in XXXX 2021, disputing this inaccurate information. The account is paid in full and was paid in good standings. The account is reflecting a chargeoff status which is inaccurate, not true.
Consumer complaint received 2017-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (OH)

I have reviewed my Credit report and found an account unrecognized items from your office G C SERVICES. I do n't remember doing any business or having having a contract for services with your company. Please forward me proof of contract or my signature etc.
Consumer complaint received 2017-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX, XXXX violated my rights under the Fair Credit Reporting Act. I did not know that I had a right to dispute this debt. I do not owe this debt because I do not have a contract with this company. My account was sold to them therefore I do not owe any money as I did not sign anything with them therefore they can not collect any money from me.
Consumer complaint received 2022-02-14
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: Resurgent Capital Services L.P. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY