davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
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: LEXISNEXIS (OH)

To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. 
Merchant Name : 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 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (TX)

I have an account with CreditKarma to keep track of my credit and accounts. In mid XX/XX/XXXX ( around XX/XX/XXXX as best I can tell ) my account was compromised and the person who accessed it changed the email and password associated with it. Despite the account being tied to my name, social security number, and info I no longer have access to it. CreditKarma not only did not provide the adequate protection of my account and data, they did not even notify me that my information had changed so I had no idea it had been compromised. 

I noticed this in mid-XX/XX/XXXX and reached out to CreditKarma for help. Despite multiple attempts to reach their support team and even tweeting at them I have yet to hear a response. Meanwhile fradulent checking accounts and credit cards have been opened in my name. 

CreditKarma has been irresponsible in their handling of my data and their ability to resolve this issue in a timely manner.
Consumer complaint received 2019-01-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (DE)

Hello, My name is XXXX XXXX. I recently purchased a vehicle from XXXX XXXX of XXXX XXXX. They used TD Auto to help me finance the car. When I purchased the vehicle, I was informed by XXXX XXXX, the sales agent, that she would enroll me in a protection plan ( the XXXX protection plan ), and if I decided within several days that I did not want the plan, I could call back and unwind the plan. I did not understand the cost of the plan until later, and I did not realize that I really had no need for the plan until after purchasing the vehicle. So I immediately contacted XXXX to undo the plan - I have not been able to get in contact with her, and have not heard from her since. I need this expensive {$2900.00} protection plan undone and credited back to the loan. 

I was also charged a reconditioning fee of {$1000.00}. I was told by XXXX that this is a mandatory fee and the car could not be sold in Maryland without the fee. I objected, but did not have much of a choice at the time other than to accept the fee. After researching the fee further, there is no " requirement '' for such a fee, and the " reconditioning '' was not needed - I could have opted out. As such, I want this fee reimbursed as well and credited to my loan. 

I have been misled about these two add ons and I would like TD Auto to work with XXXX XXXX of XXXX XXXX to have these two fees reimbursed/credited to my loan. I have submitted a XXXX XXXX   XXXX complaint against XXXX XXXX as well.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX i ran my credit report to see what was on it. I noticed a few things that didn't look accurate so i sent the credit bureaus a letter requesting them to verify the info on my credit report and to remove the following accts if they couldn't. I am not saying that these accounts aren't mine, but they are NOT reporting accurately. I do not have ANY idea who the 4 collections are to say they are or are not mine, but there is NO creditor info or collection agency info for me to see and they refuse to update it so that i can tell. 

-4 collection accounts with NO creditor or collection agency name ( equifax report only ) I  got no reply with them except for the fact that they verified the information. There was no proof of verification on the accuracy of the accounts in question. On XX/XX/XXXX i sent another letter to them asking for the proof of the above mentioned accounts. I received the exact same updates. I sent another letter on XX/XX/XXXX demanding they remove since the account is still displaying incorrectly and they were unable to provide me the documents stating that it was correct. to date, there has been nothing.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I paid a prior debt with XXXX XXXX to a collection agency. My paid a settlement to clear the account after a horrible car accident which left me horribly XXXX. The account was settled in XXXX. Debt appeared on my credit report in XXXX. Called XXXX  XXXX/XXXX XXXX and collector refused to give him name, told me a lawyer was trying to sue me and refused to give me information to send my paid letter. XXXX complaint filed in XX/XX/XXXX. Company claimed they would look into the issue and call me. They never contacted me whatsoever. I have mailed 4 copies of my paid letter to XXXX XXXX billing dispute address in Ohio. I have disputed multiple times with reporting agencies. The debt I paid HAS NOT ONCE BEEN UPDATED TO SHOW PAID SETTLEMENT AND HAS NOT BEEN REMOVED. I feel I am being SCAMMED.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NCC Business Services, Inc. (FL)

NCC Business services has been reporting incorrect information to the credit bureaus subsequently negatively affecting my credit score. Ive disputed this alleged debt because the amount is incorrect and by a large amount. After countless disputes and making no progress I decided to send Ncc Business Services a letter requesting validation of the debt. What I received does not validate, provide proof or even could be considered an attempt to produce adequate supporting documentation. Theres nothing in the documents that explain and or address the different line items that I allegedly owe. This derogatory will not go away and I don't understand how they can report erroneous information to XXXX and XXXX without going in front of a judge and obtaining a judgement. Im going to be moving soon and I fear that this collection account may become a major obstacle when it comes time for me apply for leases and or mortgages. At the least I would think it's fair to say that they may be guilty of fraud and defamation of character and pursuing litigation will be my next step if that indeed is my only option. In the interim I think they need to stop reporting this information until they can provide proof. Thanks for your time and I hope this at the very least might help someone avoid this company altogether.
Consumer complaint received 2019-05-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (NC)

On XXXX I borrowed XXXX. I was set up to pay the minimum amount each week of XXXX starting XX/XX/XXXX. So far I have had 4 payments of XXXX come out, one payment of XXXX and another of XXXX cent. So far I have paid XXXX. I called to see what my outstanding balance was and was told I still owe 500+ dollars. I dont have the energy to try and explain how illegal this is. Where is my paperwork explaining these charges. Then to say that mere cents are being computed toward the principal is beyond me. I called like 3 weeks ago and the guy told me that only XXXX cent was going to go toward the principal and I complained about it and he said he would do two payment to try and and trick the system so that way the whole XXXX would go toward the principal this time and not the interest. This is just absurd and XXXX. I live in NC where loans are illegal. I am getting an attorney to fight this because you cant come over here trying to put something on my credit for not letting you rob me blind. I dont care if I chose the payment plan that worked best for me. You dont get to punish me by charging me 1000+ in interest because I'm broke. But claiming yall not part of US. Okay but you taking these US funds. I called back today and spoke with XXXX who obviously just hit the lottery and has never had financial hardships ever in life and I just dont appreciate how yall try to make it seem like I am getting something for nothing. I am paying back every single cent and I pay it ontime minus this month. But now you want get a attitude and attempt to talk over me once I have an issue about yall charging an XXXX amount of interest and If my payment is XXXX dollars and I pay ontime then XXXX should go to my principal and the rest to interest. 

I submitted a XXXX complaint as well on XX/XX/XXXX which the company has not yet responded to because they want me to call just to argue with me over the phone and I am not about to get my XXXX XXXX up over somebody trying tell me they have a right to continue to rob me. Today XXXX and some change came out of my account and I have already paid XXXX since receiving the loan, so as of today you wont be going back in my account and I dont care about yall not responding to these complaints and thinking you gone still go in my account. I want to see paperwork of how this interest is computed. It should make sense. and I want something detailing how yall come up with out of XXXX dollars how only a few cents or XXXX dollars went toward principal and everything else toward interest. I am requesting that and as someone who is being forced to pay this and as someone with a extremely vague contract I should be able to receive it if being forced to pay.
Consumer complaint received 2019-09-20
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: Westcreek Financial (CA)

I noticed there is an account that I did not open reporting as late in my credit report. I lost my check book and immediately notified my back and they changed my account information to protect me from fraud. However it seems that some one used my old checking info to open and account in my name.
Consumer complaint received 2019-05-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (MD)

My home equity loan became behind ( 3 months, I believe ). When I learned of this, I made arrangements in XX/XX/2019 to pay a portion ( {$600.00} ) over the phone with the remaining the following week ( with a scheduled phone payment for the balance ). I have 3 accounts with my PNC bank, a checking and 2 savings. I had received a sum of money and in XXXX had over {$3500.00} in my checking account and less than {$200.00} in each of my savings accounts. When I made the phone payment for each transaction the portion of {$600.00} and the balance thereafter, my assumption is that the representative would have set this up to come out of my checking account since that account would have supported those amounts ; however, instead the representative set this up to pull from my savings account which had less than {$200.00} at the time. I was not asked for an account number to provide and assumed the account with the money supporting such transactions would have been used ... since again, I was not asked. As a result, of thinking the funds had cleared my account, I paid other bills and spent my money as usual. When I received a notice saying the funds were returned, I was perplexed ; however, discovered why when reviewing my accounts. I called PNC to make them aware of their mistake and asked about recourse for the mistake. I was advised a message would be forwarded and I would receive a response. Unfortunately, at that time, I no longer had the funds available to pay and bring my account current ... and unfortunately had some unexpected expenses. I am requesting to have my credit corrected as if this error did not occur and for any credit reporting thereafter to solely attribute to my inability to pay. 

I am attempting to acquire a loan with XXXX XXXX XXXX and am being told that because of this account showing 120 day late, I am unable to move forward ... otherwise I would be able to. 

If you are able and the calls were recorded, you will find that my statement/complaint is accurate.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Transunion is reporting a collection that is over 7 years from the date of last payment. I am not disputing the validity of this item and I plan to pay this back, but I will not make a payment until it is removed from my credit report because I do not want the clock reset on the date of last payment. ( Please see page 11 of the attached credit report. ) This is in reference to the XXXX XXXX  partial account number XXXX in the amount of {$11000.00}. This incorrect reporting is harming my credit score and this item needs to be removed from my credit report.
Consumer complaint received 2019-05-30
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: TOP FLITE FINANCIAL INC (GA)

Filled out XXXX XXXX form for mortgage referrals. Received dozens of calls and emails but narrowed it down to 2 cos and placed an opt out with XXXX XXXX on the XXXX to stop the flood of calls. The calls, texts and emails kept coming on the XXXX. One company that was very aggressive was Top Flite and this was not a company I had narrowed my selection too. I decided to speak to XXXX XXXX from XXXX ga from that company later that day to tell him to stop calling, texting and emailing me. I had not shared my social ssn or agreed for a credit pull from anyone, but my XXXX credit monitoring notified me that mortgage company had pulled my credit!!. I tracked it back to XXXX XXXX Top Flite, called him and told him I did not give him acknowledgement to pull credit!. He said he had spoken with his underwriter XXXX XXXX and told him the credit should not have been pulled because They did not have direct acknowledgement from me and that he was sorry.He then sent me the below text : Thanks for speaking with me XXXX. I contacted our credit agent and they will accept a letter from us on our letterhead with your info and how your credit was pulled without your authorization. His number
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Someone rented 3 apartments using my identity. Procollect, inc. requested I gather the information they needed to delete the account. At first I was told I needed to file a police report. After I sent them the documentation with the report number, they reached out and told me that I had to send a copy of the report. I got all that finally and mailed it to the address they told me. Then they told me after they had received the documentation that it had to be sent in electronically and they refused to process it. Finally, I got them to process it and after 3 months of the account being processed I reached out to them and was told that it had to be reviewed by the original debtor and they were waiting. So I called the debtor and they had not received anything. After over a week of trying to get a supervisor to speak with me I finally talked with him and he told me it would be placed in " Managerial Review '' and it would remain open but not reported to the credit bureaus. He lied. It is STILL on my credit report and being actively reported. So I called them again after it reported and they said that I did not provide them with enough information, even though I provided them with everything they requested. This is an unprofessional company and will not remove an account even if they KNOW it was opened fraudulently.
Consumer complaint received 2019-05-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Zarzaur and Schwartz, PC (AL)

I am being sued for an old debt with XXXX XXXX XXXX  on the behalf of XXXX XXXX XXXX for {$850.00}. Apparently, XXXX XXXX sold my account to these debt collectors and now they have hired the law firm of ZarZaur & Schwartz, in the area I live in to sue me. I wrote and then sent a certified letter to both ZarZaur & Schwartz and the courts explaining to them I am currently unemployed and that's why I can not pay this debt. 

I offered to make some kind of settlement with the law firm but as of today which is XX/XX/2019, my offer was turned down. My court date is set for XX/XX/2019 and I was trying to this in a good faith effort to keep us both out of court. 

I told the young man I had spoken to over the phone, a XXXX XXXX, that I would accept their counter offer if I was allowed given time to pay it, it was refused. Basically from what I was told they expected the money within a short period of time ; I can't and would not agree to those terms. 

I think they are trying to collect on a debt that is at least six years old and the statue of limitations is either coming up or has past. I even asked about this and the young man I had spoken to couldn't give me a straight answer and wanted to turn me over to another department. I am XXXX, unemployed XXXX   with XXXX living with my mother who is also on a fixed income. 

I feel like this is a form of harassment and a scare tactic used to scare folks like me into paying them. I was basically told in another letter I received a few weeks ago that I may not only have to pay them but court cost as well. So, they have no sympathy at all for my plight, they just want to get paid. 

As I said, I am willing to work out a payment if the statue of limitations has not run out. But I will not commit to a payment plan that would make me pay them all the money within a 30-90 day period.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (AL)

I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2019-05-30
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: Experian Information Solutions Inc. (GA)

I WENT OUT OF TOWN AND I ORDER SOMETHING ONLINE ON SOMEONES COMPUTER THAT WAS HACKED. ALSO I WAS ALERTED BY THE IRS ABOUT MY IDENTITY BEING COMPROMISED.
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I am filing a CFPB Complaint against Santander Bank for {$3600.00} of unauthorized fraudulent transactions from my bank account. My card has been lost and there were 4 transactions of {$680.00}, {$1300.00}, {$1100.00} from XXXX and {$420.00} from XXXX XXXX. I have contacted Santander Bank immediately when noticed of these unauthorized charges and have filed a fraudulent claim. On XX/XX/XXXX, I was informed the claim has been denied and my account has been blocked. I have refiled the claim multiple times and on XX/XX/XXXX, I was told it was denied again. These transactions occurred as I was out of country and were not authorized by me. I was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Santander Bank has sent me a new card around early XXXX but I was not able to access it since I was out of the country. Around late XXXX, there were 4 transactions that went through - Since I was out of the country, there was no way for me to get a hold of my card or access it. Santander Bank has failed to properly investigate and recover my funds. I have reached out to the merchant XXXX and XXXX XXXX  I was informed by both merchants that fraudulent activity occurred so therefore I would need to contact my bank. Due to fraud, I was informed that this must be handled through the bank but Santander Bank has denied my CLAIM ( # XXXX ) again. Santander Bank has not contacted the merchant to resolve this claim and both merchants confirmed they have NOT been contacted to resolve this matter and are still waiting to hear from them. Santander Bank has failed to investigate this serious matter and has closed off my account which I no longer have access to. 

On XX/XX/XXXX, my claim was denied again so I have contacted the merchants to resolve this matter on my own BUT they have noted because Santander Bank has closed down my account, the funds will not go through. They have both stated I must go through the bank for the unauthorized charges but Santander Bank has DENIED my claim and also CLOSED DOWN MY ACCOUNT without my consent or no prior communication. 

Santander Bank has closed down my account, failed to protect and is liable for these charges.