davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (IL)

Im gon na do my best w/dates. Memory issues. I complained through your company and received a refund somewhere in the area of {$3000.00}. Thank You. But after more investigation I found one year that TCF charged me in the area of {$13000.00}!!!!! In overdraft fees that not only did I not authorize I actually went into the XXXX XXXX branch where Im sure they have copies of the exact date and times I was inside which is only a hand full.That day inside the he I was speaking with a rep from your company on this and even sent original Tcf statements showing the dates ( approx ) a year, the massive amount of TCF unlawful charges they charged my account in 12 month period. I specially went there that day to specifically to demand if there is no money in my account I do not want you to be nice and let it slide along with {$37.00}, $ XXXX. If the money aint in the account DO NOT LET IT GO THROUGH, PERIOD!!! XXXX XXXX XXXX. I know There is settlement in place for victims of this greedy with willful and won ton evil intent took our hard earned money! And the CEO OF TCF Yacht has the name OVERDRAFT on it??? The arrogance of this man. Basically said to me XXXX I got your money .Thank you keep banking with me and Ill keep treating you just like everyone else, my word Anyway about the settlement. Im in one of the 5 states Illinios. And mine is a rather large amount. Please let me know what to do to get involved in that settlement over XXXX? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX
Consumer complaint received 2019-03-25
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. (CA)

This account was opened up fraudulently back in XXXX of 2015. My share the same name as my father and he has opened up several accounts in my name such as repossessed cars, cable, insurance, store accounts and this timepayment corp account. I have attached my previous credit report and police report
Consumer complaint received 2019-03-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

Some of the specific disputes I have are. I have more disputes than what is listed here. 
1. The original contract was at 5 % APR, with NO statements that any other rate could be applied. Why was I being charged an APR of 9 % in XXXX and how long was this rate applied? Why was it changed back to 5 % in XXXX? 
2. Explanation of fees paid, fees due, interest paid and why there is an inconsistency in the amounts? For example ; fees paid on one statement were {$400.00} and on another it was {$33.00}. If they are PAID, by who and to who? 
3. A judgement was taken out. I never received any documentation of this. Only a phone call from XXXX. Where is my copy? My research found that judgements can only collect on what is stated in the judgment. 
4. I had made payments before the judgment was taken out. My tax return was also collected to pay the debt. I do not have records that go back that far but an XXXX statement does reference a last payment made on XX/XX/XXXX. Since any many collected is supposed to pay the oldest dollars first, was is this not reflected in the original debt amount? Where are the {$70.00} payments I made for 8 months before the judgment?
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (FL)

I was unaware of Perfection Collection having my account of debt they became owners of my debt XX/XX/XXXX. They never mailed me any notices about my debt prior to reporting me to the Credit Bureau on XX/XX/XXXX. Once it was reported to my credit report I became aware that this company Perfection collection had it. This account had been with 2 other debt collectors ( XXXX XXXX and XXXX XXXX ) and i was made aware of those because i was notified in the mail by them in the balance amount of {$3800.00}. Once I saw the company Perfection had my debt on my credit report with a balance of {$4400.00}. Which my debit also was reported on my mothers credit report as well as a joint owner which was false. my mother and I went round and round with Perfection Collection and the original debt holder XXXX that the account was wrong my mom was fraudulently added onto my account. Charges are in the process for the fraud against XXXX and I have an email from the original debt holder that my moms name is to be removed from the account and reported to be fixed on the credit report. That still hasn't been done but during all of this I sent a written dispute to Perfection collection that I didn't agree with the balance owed and to please send my written documentation showing my debt and how the balance has be increased for justification. After several attempts via writing and calls to get this documentation to me for my dispute they have refused to provide the evidence. The ding on my credit will continue to be on my report which I would like to resolve but don't feel comfortable to settle my debt with Perfection Collection till I have the documentation of my debt and the balance increase in writing to me in the mail for my files and justification. I feel this company is violating my consumer rights. Perfection Collection keeps trying to justify their actions by saying they are offering me a 25 % discount of my debt but how am I to know that I am being treated fairly if they will not provide me any documents to justify it all. Perfection also said that i would find the additional charge in my original contract with XXXX i read the contract let them know i couldn't find such wording of additional charges if account goes to collection and any $ amounts. I've asked for them to show me where it is in the contract but have not been shown.
Consumer complaint received 2019-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST (CA)

XX/XX/2019 - An account fraudulently opened by someone who used my identity with Bank of the West. 
XXXX - XXXX - Several communications between me and the bank of the west branch as well as customer support center to clarify that I did not open an account. 
- Bank of the West team telling me they are unable to close this account. 
- Now I am getting repeated notification from the back indicating they are deducting charges for maintenance and paper statement of the account from the balance that was fraudulently used to create the account.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

Monthly charges ( {$17.00} ; CA XXXX ) for services no longer rendered more than 13 months incorrect billing I reached out to Experian in XX/XX/XXXX and they advised they were unable to locate an account under my name and account reference as it appears on my credit card statement ; however, Experian will not stop billing. In XXXX Experian began charging {$19.00} under the same reference number on my statement and no matter what I do in raising the issue with the firm, I am unable to get it resolved.
Consumer complaint received 2019-03-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NJ)

XXXX years ago my ex-best friend got a hold of my information and finance a 2012 XXXX from santander bank under my name. vin # XXXX XXXX when i learn of the situation a year ago, i tried to work with him and the bank to settle the account. but the bank resold the loan to a different bank and my friend change is phone number and move and i don't know how to get in contact with him. at this point my only option is to report this fraudulent transaction in order to try and get a hold of the vehicle and returned it to the creditors. for the past XXXX months i was under the impression the vehicle was returned which what him and i agreed on. but the debt is still on my credit, i have given the creditor his contact infor job and cell phone. they stop contacting me but i know he hasn't return the vehicle because he disappear.
Consumer complaint received 2024-10-25
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. (MI)

The delinquent payment shown on my credit report ( XXXX ) was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. ( XXXX XXXX
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (TX)

I have made several attempts to resolve this. First I was never notified of the debt but it was placed on my credit report. I already had insurance with another company on the days they are charging me for. Anyhow I paid it since they agreed it would be removed. 
Second My wife called the original creditor who I have on a recorded line saying they would delete after payment. 

Third the company has failed to respond to my validation of debt request! I have kept a paper trail and plan to seek legal council if this does not get deleted permanently. This was a XXXX charge they are stating and why would I risk XXXX going on credit? No one ever notified me that I owed anything or I wouldve paid it prior it is illegal to insert a debt on someones credit report without proper notification. 

DO NOT CONTACT ME BY PHONE!
Consumer complaint received 2019-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I received a letter dated XX/XX/XXXX marking erroneous dates that implied a non payment of fees on my payment history. I have therefore acquired a payment history from XXXX XXXX that I am submitting. XXXX XXXX is the carrier of all of the funds paid to then XXXX. I have also again submitted the payment history of Select Portfolio Servicing , Inc. to accurately compare to the payment history of XXXX XXXX Quick pay, the carrier of funds to Select Portfolio Servicing , Inc . 
All of these official documents will prove that according to the dates, Select Portfolio Servicing , Inc. has with intentional neglect placed me in an erroneous delinquent status and has purposely acted on this erroneous status. 
What the attached documents prove, as submitted, that I have not missed one payment with Select Portfolio Servicing , Inc. and have paid all requested funds of payment, even going into the transfer of my account to said agency. 
So why does Select Portfolio Servicing , Inc. show my account with them delinquent over 3 months? 
In summary : XXXX XXXX ( to XXXX ) XX/XX/XXXX {$950.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$940.00} XX/XX/XXXX payment ... ... ... ... 
XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$920.00} ... ... ... ... 
XXXX XXXX Quick Collect ( to Select Portfolio Servicing , Inc. ) XX/XX/XXXX - {$630.00} ( {$280.00} left in unapplied funds were transferred ) All documents are legal entities. I therefore request that my account be cleared of any and all delinquent status and updated to reflect a current status. I have not missed any payments with Select Portfolio Servicing , Inc. even at the transfer of my account to your agency. Please email and mail correct document to me at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Sincerely, XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2019-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

Loanme INC has been illegally recording my confidential communications phone calls without my permission/consent. They do not tell you at the onset of the call that the call is being recorded. I am requesting that your office please investigate them. I have attached a letter from them via the CFPB that they sent, which states they are illegally recording. 

In the CFPB Complaint in line 1-3 they say We have reviewed XXXX XXXX ( Mr. XXXX ) complaint filed on XX/XX/2019, as well as our records and telephone conversations, all of which are recorded. PROOF THEY ARE RECORDING not only me, but consumers nationwide as well without consent. They never had any previous permission and if they think they did it was under false pretenses. 

I am requesting they contact my authorized representative to resolve. 

XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX Loanme XXXX is located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX www.Loanme.com fax XXXX
Consumer complaint received 2019-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MN)

On XX/XX/19 I paid Western Union a fee of {$0.00} to transfer {$84.00} from my checking account to another persons checking account. Western Union withdrew the money from my checking account, but didnt transfer the money in the 6 business days that they promised to do it. Therefore, on XX/XX/19 in Spanish and then on XX/XX/19 in English I sent email messages and by phone requesting the cancelation of the transaction and the return of my money. 
Western Union replied stating To continue processing your request and since the receivers ID copy can not be provided, please supply the following information about your receiver : o Full legal name : o Gender : o Date of Birth : o Country and City of Birth : o Relationship between sender and receiver : o Purpose of the transaction : o Occupation : o Residential Address : o Explanation why ID copy can not be provided : o Name of the person submitting the letter : On XX/XX/19 in an email I stated to Wester Union that I already answered the receiver information in their sending money form. If more information was required why didnt they ask for it before withdrawing the money from my checking account? In addition, I dont see why I should answer more questions regarding the receiver since I was canceling the transaction. 
It seems to me that Western Union just wants to keep/steal my money. I wonder if there are more people in the immigrant community who, due to their English language limitation, are not able to fight their dubious business practices.which it appears that then Western Union profits illegally from.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IL)

I paid Experian XXXX XXXX XXXX {$79.00} a year for during the past 3 years. They advertise that " they will notify you if your social security # has been compromised ''. They totally missed it when I had an IRS data breach either via my tax person or the IRS itself as she states that they were breached 4 times last year. 

Anyway, XXXX XXXX XXXX I have evidence that they advertise they will notify me if my soc Sec # would be compromised. THEY did not. When I contacted them XX/XX/2019, I told them the situation and said " why did this happen? '' They laughed in my face! I asked " excuse me, may I have a refund of the rest of my membership please as obviously it did not work? '' They responded with " sorry no refund '' in a male voice still laughing at me. So for being their customer for more than 3 years l find it extremely disappointing and terrible that I got treated like that. I definitely need to make a complaint against them and their " false advertising '' it seems like to me. 

The next time I contacted the company on a different day, they said they will be making me a refund of {$32.00} and some change ( approximately ). I asked them about identity restoration and they responded with " we just sell these plans, we are not investigators. '' I still to date of this writing have not seen any refund on my account they charged ( 37 days ago )
Consumer complaint received 2019-03-24
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: Santander Consumer USA Holdings Inc. (NY)

Corporations and financial institutions, Credit card company that was closed out after debt Was satisfied and continue to false reporting to the three credit agencies, XXXX, XXXX and XXXX, 1.  XXXX visa credit card not belongs to me and was on the reporting since XXXX or Before account closed still reporting,. 
2. XXXX XXXX XXXX false reporting after debt was set off. 
3. XXXX XXXX located Texas carried out wrongful Grand Thief Auto without any Warning or notice after debt been set off back in XX/XX/XXXX. 
4. Few inquiers like mortgage loans which does not belongs period and other inquiers And we write them many letters and they come off one month and sneak back on the next month and refuse to validate the debt as we reach out many times. Paid credit repairs Company only to continue capitalizing XXXX from us and my good credit score of XXXX is now In the XXXX 's score due to all false reporting. I am the real party creditor file XXXX with Department of state which now have full faith and credit by the state and if the three credit Bureau continue to give false reporting their should be lien.
Consumer complaint received 2019-09-22
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. (CO)

Update to compliant : XXXX They have now opened the dispute again, yet on the XXXX sent me a nasty letter that they refuse to dispute. They included a new credit report and of course, it clearly indicates I'm two months late on XXXX XXXX XXXX. This is getting absurd. I AM NOT LATE ON ANY ACCOUNTS. It was closed in XX/XX/XXXX. I have attached all the attachments yet again along with their new credit report. This is fraud. The indicate it will take them 30 to 60 more days all the while my credit SCORE is low due to their fraud. 

Hello, Experian is reporting I have a 60 day late payment on my credit report for an account that was closed as deed in lieu in XXXX of XXXX 4+ years ago! I have tried calling, emailing, using their website, mailing. When I called, 3 people including a manager just told me I don't know how to read a credit report. I have attached the credit report for your review. 
Experian phone reps indicate XXXX does NOT indicate as negative payments. This is very clear that they are wrong once you take a look. This is also not on any of my other credit reports. I have filed a complaint with the XXXX, I have disputed 2 times with Experian and also sent them a dispute form by overnight mail on XX/XX/XXXX. The credit report is attached. The negative payment supposedly is XXXX XXXX XXXX XXXX. This account has been closed since XXXX of XXXX!!! Deed in Lieu. There is NO late payments on this account for almost 5 YEARS. Heres what happens when I log into my Experian Account : You Have 1 New Late Payment Your report shows 1 new late  payment in the last 60 days. If any look unfamiliar, it could be a bank mistake or a sign of fraud and you can dispute it. 
XXXX XXXX XXXX XXXX Past Due Amount : {$XXXX} Details Account # XXXX Original Creditor - Company Sold - Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage Status Updated XX/XX/XXXX Usage - Balance {$XXXX} Balance Updated XX/XX/XXXX Original Balance {$XXXX} Monthly Payment {$XXXX} Past Due Amount {$XXXX} Highest Balance - XXXX XXXX BRIGHT RED N Recent Missed Payment You recently missed a payment or had a derogatory indicator reported on your credit report. Your most recent missed payment happened 2 Months ago
Consumer complaint received 2019-09-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NV)

My wife and I opened a 12 month CD at Marcus by Goldman Sachs using the online portal on XX/XX/XXXX. On XX/XX/XXXX of XXXX, I put in a request to close the cd upon maturity ( XX/XX/XXXX ) and transfer the funds via ACH transfer to my local bank. On the XXXX, of XXXX, XXXX I went online to verify that the funds had been sent to my local bank as requested. I was allowed access into my online account but this account no longer contained any information as to this cd, which is the only account that I hold with Marcus by GS. I could access my profile and prior statements that are generated on the last day of the month but there was no information concerning the cd in question, its interest paid at maturity nor the present value of cd. It was as if the account had vanished into thin air. The online account does not even list this account as closed, it simply is not there, I called customer service and was told that the funds had been remitted via the ACH system. When I asked for some written verification that this had been done or to be sent a copy of the account being closed and the monies being sent, I was told that the representative I was speaking to would REQUEST that a verification be sent but that it would have to be sent via the US Postal Service and she also stated that she did not know how long it would take for such a request to be honored to which I replied that this would not be acceptable. The representative stated she could do nothing else for me. 

As of the present time, the funds have not arrived at my local bank. I realize that this can take up to 3 days and I have no issue with that fact. I do have an issue that I can find no information with regards to this account when I log-in online and I can not determine if Marcus by Goldman Sachs has indeed returned these monies to me, the legal owner and that I can only get verbal assurances that they have. I also have an issue with the fact that this account shows up no where on my online account other than the prior statements.