davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY (NY)

I signed up for a XXXX through TD Bank under promotional terms. The offer was a {$200.00} cash rewards bonus reflected on the account in 6-8 weeks after spending {$1500.00} in total net purchases within 90 days of account opening. I met the promotional spending terms by my XXXX XXXX statement ( well within 90 days of account opening ). By the terms of the offer, I should have received the cash rewards bonus no later than 8 weeks from XXXX XXXX, which would be XXXX XXXX. I have not received the bonus. I have sent ~XXXX secure emails and called ~XXXX times. TD Bank always has a different story. When I called in XXXX, I was told I would see the bonus on my XXXX statement. That did not happen. When I called today ( XXXX ), I was told the bonus would post 6-8 weeks after the first 90 days. However, this is not how the offer terms are written, and at this point the bank seems to be doing anything it can to avoid honoring the terms of the offer.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

Equifax after reporting illegally and wrongly is engaged with lenders, creditors, and subscribers for the specific purpose of enriching their own bottom line, regardless of the accuracy of the reports. 
I requested a investigation letter dated to me XXXX XXXX, XXXX, disputing items on my current credit report. 
1. XXXX XXXX, informed Equifax that the creditor had issued a debt forgiveness form, ignored, stated that they verified the account, the real problem with the statement that they verified the account is the lender who address they list is n't there anymore, and upon my own call, does n't maintain a debt for me any longer. 
2. XXXX XXXX XXXX XXXX, Equifax stated in this letter that they verified this account, this account was sold to XXXX XXXX in XXXX XXXX, and paid directly to them, this account is n't even in Santanders inventory any longer, they lied. 
3, XXXX XXXX XXXX, this account is 12 years old, no activity for 12 years, conversation, payment or other communication, it is as statue past the reporting period but illegally being reaged by the lender, and conspiracy by equifax. In their defense they say it could be seven year from last activity or 10 years from date reported, its been 12 years. 

I am a combat veteran of the United States XXXX, and these illegal reporting is preventing from purchasing my first house, I am also a XXXX XXXX XXXX.
Consumer complaint received 2023-01-27
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. (ND)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for XXXX XXXX. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a dangerous abusive marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today XX/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of domestic violence, it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under Clarity and then they need to report to the 3 bureaus. Transunion, XXXX, XXXX. please help me on this. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2016-10-22
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NY)

I have XXXX student loans and was unemployed for quite some time. During my unemployment, I had all of my student loans deferred - or so I thought I did. I received a call stating my student loans were 120+ days in default. I explained my situation and they reinstated my deferment however they will not remove the derogatory marks on my credit report.
Consumer complaint received 2022-07-20
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. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, XXXX XXXX and XXXX
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

XX/XX/XXXX Re XXXX XXXX XX/XX/XXXX XXXX Sterling National Bank ( aka ) Webster Bank loan # XXXX On XX/XX/XXXX, Sterling National Bank changed their company name to Webster Bank. I never received a formal written letter notifying of this change or what I need to do regarding my homeowners insurance policy holder. 

On XX/XX/XXXX I contacted Sterlings insurance dept. and asked did they send a formal letter to my homeowners ins. Company with any new updates; such as, name change, remittance address for payments and etc.? 

The representative stated a letter was generated on XXXX XXXX to my insurance. My thoughts were, was the letter actually mailed out. I didnt believe her. I asked her to please mail me a copy of that letter dated XX/XX/XXXX to my insurance company? She said she couldn't do that. Then, I asked her to resend another letter to my insurance company and she said ok. Again, don't believe her. Why do you ask? 

As of today, I'm still waiting on my escrow analysis letter that was completed XX/XX/XXXX and I was told it was mailed XX/XX/XXXX and then XX/XX/XXXX. As of today XX/XX/XXXX, still not recd. See my complaint # XXXX, there's a pattern here, with lying about mailing out documents to my home. 

Anyway, today XX/XX/XXXX, I contacted my homeowners insurance and inquired if they recd a formal letter from Sterling National Bank ( Dated XX/XX/XXXX ) regarding a company name change and all other necessary information required for billing, payment remittance address, possible new mortgage number? My carrier told me not, updated information recd. From Sterling National Bank or aka Webster Bank. 


Resolution for me : Have the bank create a formal letter to my ins carrier and cc me a copy informing us of the new changes; such as, new company name, billing address, payment remittance address and anything else they will need for an easy transition I will forward this letter to my lawyer, as well. 



Thanks XXXX XXXX
Consumer complaint received 2017-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

XX/XX/2015, XXXX XXXX paid 2 ach debits for large amounts over my balance without my authorization. They have a policy of not paying over a certain overdraft amount and i did not have overdraft protection. I contacted customer service by phone and was in communication by email with the branch manager few  times in XX/XX/2015. Account was closed due to NSF with negative balance around {$280.00}. Balance was all overdraft/account fees due to the unauthorized debits being paid for 2 times per month for few months. i requested to block the entire account. for several weeks, the account was charged {$33.00} per NSF ACH debit and {$6.00} weekly for keeping it negative balance and finally closed and sent to XXXX. i tried to stop all of this with the bank and was unsuccessful.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO. (MT)

Had a Chase credit card from XXXX to XXXX. Interest rate was rased to 31.99 %. My account went over the balance. I rec 'd harassing phone calls at work and home and to a co worker even asking for them to stop and explaining was disputing the increased interest charge. The calls continued and threatened with legal action unless I paid immediately. I was offered a one time opportunity to settle the debt in full for a reduced amount of debt. I agreed and paid in XXXX. Now as of XXXX XXXX I am being threatened with lawsuit from Attorneys who represent a Massive Junk Debt Buyer. 

The billing statements received from Debt Buyer show the payment with Payment Program on copies of bills they sent me and the account is listed as closed but they continue to bill and charge interest, late fees, over the limit fees and show my available credit on following statements as well as an attempted payment months later.
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (SC)

On XXXX XX/XX/XXXX, after numerous attempts and phone calls with the collection agency, PARAMOUNT RECOVERY, to explain that I was cover under health insurance, XXXX, and I could provide them with the authorization number, it was refused. I then called the original credit collector, XXXX XXXX XXXX XXXX at : XXXX, and spoke with XXXX regarding this collection. I informed her that XXXX was giving the providers until XX/XX/XXXX, to refile the claim. I provided XXXX with the dates of service and the authorizations numbers, in order to, be paid. I also provided her with the number to XXXX, as, they will only speak with the providers. XXXX stated that the company would rather, just remove the amount, from my account. She then reached out to Paramount Recovery Collection Company and tried to get them to remove the collection and they refused, stating that, I was the responsible party, in which, I'm not, XXXX is.I also called Paramount Recovery and gave my permission for them to speak with the original creditor, as well as, the Department of Veterans Affairs concerning my account that is in collections. I would like to have this collection deleted and removed from my credit report.
Consumer complaint received 2015-03-29
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (CA)

My employer requires us to have a credit card from J. P. Morgan Chase Bank NA for specific travel expenses. My account is set up with Chase for automatic payment. Last month, they failed to process the payment in the month it was due. Instead they processed it in error several days later and showed my account as past due. In addition, because of their error they reported me as past due to my employer. I suspect this is a problem with the Chase system that impacts many consumers. This problem, created by Chase Bank, could result in significant consumer harm with customers incurring additional expense in a variety of ways and potential for incorrect negative reporting on consumer credit reports.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (NY)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Open Dealer Exchange, LLC (SC)

Unwanted and unwarranted credit inquires on my account made without my full knowledge to lenders I did not approve of. Information was not presented to me at all.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (NV)

For the XXXX month in a row I was billed a late fee. I feel it is the banks falt and they have changed their rules to cause late fees. Chase no longer excepts online bill pay. I believe they have done this to save a penny end increase late fees etc. They will not email me will not email me when the bill is due, and they failed to send out the alerts as I signed up for, and failed to the research to see if they were sent. The bill was paid the day after the due date when I was notified, all bill are paid in full.
Consumer complaint received 2023-01-27
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. (NJ)

I have sent letters to Equifax on multiple occassions about an item on my report that is not right. I requested they investigate, send me a detailed description of how they verified it ( I want names, dates, and titles of people they talked to at these companies for my lawsuit ) and Equifax sent me half XXXX responses saying it was verified. THAT'S NOT WHAT I ASKED FOR. At this point I'm dealing with the companies legally and considering adding Equifax to the party for continuing to ruin my reputation by reporting these accounts. Both of the companies were sent a cease and desist back in XXXX and have failed to give me what I asked for which is why I filed suit. I didn't forget about Equifax though because looking at my reports I see they're still in cohoots with these crooks also
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (GA)

I first became a customer of Colonly Brand in XXXX while living in XXXX XXXX, New York with Ashro, Ginny 's, and a {$5.00} catalog that is no longer active. Before XXXX XXXX, in XXXX or XXXX, I attempted to make orders using my Colony Brand catalog cards. At the time, I had a XXXX credit score, and had been in good standing since XXXX, however, I did fall behind near the end of XXXX, and the first two months of XXXX. I called Colony and explained what happened. They said it was okay, and they gave me time to catch up, which I did. Through XXXX, I made double payments and on-time payments every month, year after year. In XXXX or XXXX of XXXX, I made orders that were declined. When I asked why, I was told that they were using a new company to analyze and determine who is approved for credit. I was told that they were not going to give me credit, and when I asked why, they told me because they didn't want me as a customer anymore. I then requested that they send something in writing to explain why. They then chose to extend my credit. Some time later they did a hard inquiry on all of my then active accounts, which made my credt take a huge dive. When I inquired about why they did such thing, they claimed that they had the right to, but the law says otherwise. They also started sending me fewer catalogs. When I called they were rude. I later froze my credit. In XXXX, I payed my bills on time, and every month. They decided to keep my card on file without my consent, which is against the law in my state, even after I contacted them about it. 
I recently recieved a copy of my credit report through XXXX, and found out that Colony Brands gave false information. For instance, in XX/XX/XXXX, I had paid the full balance of Montgomery Ward on XX/XX/XXXX, but Colony reported that payment as late in XX/XX/XXXX. My balance was {$0.00} on that date. 
Here is other information from the report : Colony has stated that I paid Swiss Colony {$29.00} on XX/XX/XXXX. That account was closed and paid in full on XX/XX/XXXX. 
Swiss Colony was paid in full on XX/XX/XXXX, however, Colony reported that I made a payment XX/XX/XXXX, XX/XX/XXXX, and a missed payment on XX/XX/XXXX, and made a payment of {$29.00} on XX/XX/XXXX. 
I also had an Ashro account with Colony, which I closed. My Ashro payment history was not included in the report. My final known payment to Ashro was XX/XX/XXXX for {$45.00}. I am also pretty sure I closed Ashro with that payment. 

I would like to be compensated for the damage they did to my credit, and for being non-compliant with state laws.
Consumer complaint received 2021-03-27
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. (OH)

The following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK 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. OF XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, OXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX.
Consumer complaint received 2021-03-27
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. (OH)

The following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK 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. OF XXXXL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX COMPAN # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A. (SC)

Unwanted and unwarranted credit inquires on my account made without my full knowledge to lenders I did not approve of. Information was not presented to me at all.
Consumer complaint received 2017-08-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

When I finished school I got a job, then was laid off, then got unemployment then got a job ( temp ) I went from unemployment to employment then back to unemployed with barely any ability to pay my loans off. I asked for help to pay a minimum and every tie was told to file forbearance. I did this for four years! My interest just kept going up and up.
Consumer complaint received 2016-06-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO. (OH)

Approximately XXXXXXXX years ago when my student loans were with Chase Student Loans a " manager '' on a debt collection call threatened legal action to have a lien placed on my parents home and threatened further foreclosure action should the account not be kept current.