davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (SC)

On XX/XX/2020 I tried to make my online payment with TD Auto Finance web site it was not working correctly. I called TD Auto fianc and asked the rep if she could see I made a payment she said no so I made payment with Debit card. On XX/XX/XXXX I checked my bank and saw TD Auto finance had taken another payment thru my checking account. I called them the rep told me he we can call my bank and verify the funds I explained the funds posted today then he told me he can only hold 3 min and the wait time to speak with a rep at XXXX was 12 min. I I asked him how can I get my funds back he said I had to send a notarized bank statement to TD. I explained they took the extra payment they should be able to refund it. I went to XXXX branch and the financial rep there called TD to inform them yes funds were received and 2 payments were taken. The rep from TD Bank told the financial rep at XXXX it would take 30 days to get the funds back. I feel in these times with the Covid yes Im blessed to be working but still need my money back on their mistake and it should not take 30 days when they are a bank. I disputed the payment with XXXX my bank they will refund my money but now their will be fraudulent report with their billing system and it will block me from making payments going forward I will not do XXXX XXXX or XXXX XXXX TD Bank has to correct their policies so this does not happen again and customers should be able to get a refund with in 5 days not 30.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (NM)

To whom this may concern, I have been trying to contact EPPIcard inquiring about my unemployment card that my unemployment benefits have been going onto and I have not even recieved this card and have no way of accessing anything or anyone reguarding this issue. so now i am reaching out to you in hopes that we can get something figured out before I no longer have a home because i cant access my money in any way.
Consumer complaint received 2020-05-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  : XXXX XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (NY)

I spoke to hyundai finance  and they told me they dont see any late payments on my account and to call the credit dispute and to tell them theres no late payments on the account. I asked hyundai if theres anything they can do on their end and they said I have to call the credit dispute. So I called the credit dispute and filed a claim only for it to be rejected. Im asking for you to please remove the late payment shown around XX/XX/2018 from Hyundai motor finance as its completely inaccurate and severely damaging my credit. Thank you.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX in its usual fashion made false claims in consolidating student loans for nearly 20 years ago and reissued paperwork for me to sign alone even though it was no longer valid for collection purposes with the thought that I may have a chance to going back to school. Despite allowing them to get away with that fraud they now have ruins my perfect payment history by instituting XXXX 's payment during a pandemic and somehow miraculously charging me a hundred and twenty days late now. First and foremost this loan is inaccurate and has never then used for XXXX as they claim but also to ruin someone's credit during a pandemic when you ordered the president was to defer those payments is it illegal immoral and another reason why they shouldn't exist as a company
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I, XXXX XXXX, from XX/XX/2020 through XX/XX/2020, was denied a fraud claim in the amount of {$930.00}, from American express serve after a scammer contacted me asking for my information to submit my stimulus check. I notified American express serve and they denied it immediately. I have no funds for my children and I and I have taken the proper steps to endure this foes not occur again I also requested my account closure due to me not feeling safe being their client. American express denied my claim and closed my account stating I violated terms since I requested closure.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MD)

Went through the XXXX to begin the process of applying for a Discover XXXX credit card. During the application process, before I could submit the application the app proceeded to the next page. It also asked me to acknowledge the terms and conditions which I didnt. I called Discover To report the situation and to see if they could remove the hard inquiry. I was transferred to multiple representatives and by the time I reached the last representative I was told they could not remove the inquiry and that the application went through after I acknowledge the terms and conditions. I explain to them how I never selected anything and that there mustve been a technical error. The third representative admitted that it was likely a technical error and they were going to report it to their IT department. They told me they can not remove the inquiry and that they would have to open the account and close it within 48 hours although I rejected the application. They told me to contact the credit bureau XXXX which I did. However XXXX told me that you can not dispute a hard inquiry with them that the creditor must contact them to request to be removed. I explained I was handicap and this is difficult for me. Discover is refusing to remove the inquiry and they are also refusing to not have the account appear on my credit report although they met that it could be a technical error.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

unauthorized inquiries reported 1. The inquiry was not authorized XXXX   Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report from the three major credit reporting companies and noticed that my credit score from TransUnion was significantly lower than XXXX  or XXXX. 
I found that derogatory misinformation had been posted by XXXX XXXX servicing showing a mortgage payment of 120 days late in XXXX or XXXX loan had actually been serviced by XXXX XXXX XXXX XXXX  since XXXX of XXXX. Not XXXX. We sent a bank statement and photo of the cancelled check for the mortgage payment to XXXX to correct the error and their response was the account with them had been closed and they couldn't do anything about the misinformation. We contacted XXXX XXXX XXXX and they couldn't do anything because it came from XXXX. We then entered a dispute with TransUnion and the dispute was rejected ( twice ) even though we provided proof of the payment and proof that XXXX had no reason to submit any derogatory info for the time period of XX/XX/XXXX. All we asked was that info be removed and the credit score to reflect ongoing payments. Now TransUnion says if the dispute is still not resolved, we can submit a 100 document with further explanation. We submitted all of the required documentation on two occasions that should have resolved the issue, yet, TransUnion is unwilling or unable to correct an obvious problem.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I purchased an item from XXXX  XXXX XXXX on XX/XX/XXXX. They had my card on file. On XX/XX/XXXX, XXXX, and XXXX they charged me for {$1500.00} each charge, totalling {$4500.00} without my permission. I reached out to XXXX XXXX, at XXXX  XXXX XXXX and he claimed that it was a mistaken charge and that he would issue a refund. I waited a couple weeks but never saw a refund, so I reached out to my bank, Chase, and asked them to begin a credit card chargeback. They credited my account for the total amount while they investigated. They reached out for more evidence on the dispute, I provided them with all of the contact from the merchant, including him admitting that it was a mistaken charge, that he had tried to issue a refund, and that there was no invoice or record of me asking for the charges to be made. 

Somehow, Chase ruled in the merchants favor and I was told that I would need to physically mail Chase to reopen the chargeback, or they could transfer it to their fraud department. I asked them if they thought that was the right way to move forward and they said sure, and transferred the dispute to the fraud department. Fast forward another month and the fraud department has also ruled in the merchant 's favor, even though he claims he has never fought the disputes and even told his CC processor, XXXX, that he did not want to argue the charges. I need my bank to protect me when someone just runs my credit card without my permission. That is literally one of the only reasons they exist and I will absolutely cease to do business with them if this is how they handle their disputes when someone was literally stolen from.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (FL)

I opened a one year membership with XXXX XXXX on XX/XX/2018 with a payment of {$74.00}. After that my monthly fee was {$42.00} which was automatically deducted from my checking account. On XX/XX/2018 I was charged an additional {$39.00}. When I questioned management they explained that it was a one time fee for cost of new exorcise equipment that they would be purchasing sometime in the future. I was not happy about this surprise charge and notified them that as per our contract I giving them the one month notification to cancel my membership and making my last payment. I explained this to at least 10 more people who called me repeatedly over the next two months. Finally, without letting me know, they put this unwarranted {$400.00} charge on my credit report. Numerous efforts on my part to resolve this issue with XXXX XXXX have failed.
Consumer complaint received 2020-05-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

This is a follow-up complaint to the original complaint : As the court assigned Power of Attorney for my Mother, the last couple of weeks I have been in contact with Resurgent Capital Services, via numerous telephone calls, who are owned by Sherman Originator III LLC/ PYOD,  to determine if they own debt - {$64000.00} and the lien, that was placed on my Mothers home. A bankruptcy was filed and discharged in XXXX on the {$64000.00}, but somehow the debt and lien still exists and Resurgent Capital Services informed that they " purchased '' the debt in XXXX, from XXXX XXXX XXXX ( currently defunct ). I have requested and attempted to obtain validation of the debt and lien, through Resurgent Capital Services and documents they have provided do not have any identifying markers : account numbers, references to my Mothers name, address, debt amount, etc. The documents provided from Resurgent Capital Services were sent to a Title company, who indicates that the documents are " suspicious looking ''. If Sherman Originator III LLC/PYOD/Resurgent Capital owns this debt and if this indeed a valid debt, I need to obtain verifiable debt validation in order to proceed with the PYOD approved settlement offer of {$6500.00}. Additionally, I need the recording information for the Trust Deed and assurances that after paying the documented settlement offer of {$6500.00}, the account will be satisfied in full ( whole ) and that a reconveyance will be issued on the {$64000.00} lien : : : : : The company sent all requested documents and approved PYOD settlement payment of {$6500.00} was sent and was received by the company, so full said debt should be whole and account closed, but upon contacting the Resurgent last week to follow-up on when the reconveyance papers would be filed, the representative indicated that there was still a balance due of {$58000.00} and that " they have no timeframe to file the reconveyance paperwork ''. I ignored what she stated and assumed that Resurgent had not yet updated their files, but today, I received a letter from Resurgent that mimics what the Customer Service representative stated last week ; that there is still the balance due of {$58000.00}. This is false? The entire debt was resolved via the {$6500.00} approved PYOD settlement offer. Why did I receive this document and when will the reconveyance papers be filed with XXXX XXXX courts?
Consumer complaint received 2020-11-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

My laptop was stolen from a XXXX on XXXX XXXX. On XXXX XXXX I realized that my bank login information which was saved in my laptop was used to do a wire transfer on XXXX XXXX for {$5000.00}. 
I called chased fraud department and they asked me to fill out the frogery packet and fax it. They also changed my username and password for security. The wire transfer made on XXXX XXXX wasn't authorized by me. After send frogery packet, they declined my claim saying that I didn't take enough measures to save my account. Although I did everything they asked me regarding to save my account information. My username and password was changed. Since I wasn't in United States they advised me that I should my account number once I am back in US. I should go to any Chase bank branch and change my account number, but this was after I am back in US. I have also filed police complaint about my stolen laptop.
Consumer complaint received 2020-05-13
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: Better Mortgage, Inc. (TX)

I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from Better Mortgage aka Better.com stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from Better.com asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that Better Mortgage Corporation accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from better.com stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of Better.com responded to complaint saying that my credit score was below XXXX which was not true. I asked her how did Better.com get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from XXXX XXXX. Because Better.com pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. Better.com had no intention of approving me for anything even though my credit score was higher than XXXX. I checked FICO scores for XXXX  and they were higher than what Better.com was reporting. XXXX XXXX was reported the scores 100 points higher for XXXX  upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the Better.com system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after Better.com denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (LA)

Navy federal credit union has not provided me strict proof of contract, my identity was stolen and and bank account information was taking without my knowledge. Navy federal has not provided a strict Proof of contract and they must ceist and desist any and all of collection efforts immediately. If they transfer this account to an attorney without providing proof of contract he or she will be immediately reported to the state bar association and professional liability fund for code of ethics violations
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Solutions (FL)

have received repeated phone calls from XXXX XXXX for Credit Solutions, XXXX of Kentucky requesting I call them to give information about some debit. I have talked to some one at this company twice at XXXX. Initially when I called about 2-3 weeks ago ( unfortunately I did not record the date ), the man I talked with didn't even have my phone number recorded. According to him, the company was not looking for a " XXXX XXXX '' in XXXX, Fl. .It was supposed to be resolved than. Tuesday, I again, received another call and called back, once again, getting a man who was going to resolve.this issue. I told him the next phone call would either be to this agency or my attorney. Today, XX/XX/ between XXXX and XXXX I received another call. I do not owe any debts to anyone. My concern is that I will have some of my accounts could be garnished. I would appreciate any help that you could give me