davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I am a TD bank customer and deposited a payroll check on XX/XX/XXXX through the mobile app in hopes that my funds will be available next business day as they said. On XX/XX/XXXX, I checked my account and not only are the funds not available but they are on hold for six days. I called the customer service XXXX where they advised me to go to a branch and speak to a branch manager. I go to the branch located located at XXXX XXXX XXXX in NY, I explained my issue to one of the personal bankers and she also advise me to see the branch manager that comes aXXXX XXXX. I returned to branch at XXXX to speak to the branch manager and it looks like everyone was hesitant to even ask her/him to see me. I speak to XXXX who tells me she will take my information and pass it along to the manager and I will hear from them within 3 hrs. About two hrs passed and they told me they are unable to help and to try to another branch with no further explanations. Now I am frustrated because I did as I was told and the branch did not provide with any answers or services. TD bank praises themselves as to be the most convenient bank but yet no one is able to help. I called back the XXXX customer service and told me the same story I need to speak with XXXX. I go to another branch located in XXXX XXXX XXXX, and speak with XXXX who told me the branch XXXX was not available and due to the fact that it was XXXX in Friday night, I need it to return on Monday morning. Now my frustrations are on high level since first no one could give me a straight answer as to what's going and how can I be help, no one attempted to even help me with my issue, XXXX at the XXXX XXXX advised that it is best to cash your check rather than to use the features that HIs bank TD offers. It seems that branch managers doesn't work past certain hours, therefore if you an an issue you just have to deal with it on your because they are unable to do so. I am very frustrated at this incident. TD does not hold their vision as to being the most convenient bank and yet I have not found one employees that could help me. I am very disgusted at the matter. They are misleading customers as to their vision and customer service.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

Chime had closed my account days ago which I I didnt care about because they got upset I contacted the FDIC and as well corrected them to not call me by my first name. Its either XXXX XXXX or XXXX XXXX since I am a XXXX XXXX XXXX. And as well XXXX XXXX is respectful Im not their friend so anyways I didnt care and as well they are the worst bank. 

But anywho. I got a notification email saying they solved my disputes. One for {$130.00} the other for {$83.00} and {$100.00} my account was in a {$49.00} close to {$50.00} negative balance so I should get a check in the amount of XXXX  or so. 

I emailed them since they dont let you talk to anyone on the Phone as well why I say the worst bank. So I contacted through email and they failed to respond to let me know so I told them its fine I will contact who I need. 

Also I had a dispute for XXXX which I submitted them the evidence Claim ID : XXXX. Now with that they send me an email saying We reopened your claim based on the additional information you provided. We have completed our investigation and determined that an error did occur. 

As a result, credit in the amount of {$75.00} was posted to your account on XX/XX/2021 and in the amount of {$8.00} was posted to your account on XX/XX/2021 and any applicable fee ( s ) have been reversed. The credit is considered permanent and we have closed this dispute case. 

Now that was false because before my account was closed I looked at my transaction history and {$75.00} was never posted on XX/XX/XXXX so they only gave me {$8.00} back which when I say they I mean chime. So chime need to refund the rest of that money because again I know what I seen I followed by the date they said it posted to my account as a refund and it was not there this order was placed XX/XX/XXXX and refunded it same day. A refund takes 3-5 days with so refunded could have posted any where from the 13 to the 15. 16 the latest and again I sent chime my transaction from The XXXX to show there was no credit posted that day for the full XXXX or the XXXX they were claiming and they have the nerve to give me {$8.00} back. So they need to go and fix that and give me my rest of my back then not only will it be the XXXX already on my account but the additional check for XXXX and whatever other dispute they have open to solve then that should conclude or business but other that that they need to find my XXXX check to me and they need to finish that dispute and any other properly.
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (PA)

Experience allegedly investigated on 2 accounts that were closed by my request in XX/XX/XXXX, they then began in XXXX and XXXX as new debt or lateness, the account is XXXX XXXX XXXX and XXXX XXXX both older accounts, yet Experian is still allowing as recent negligence
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Recovery Services, Inc. (TX)

Collection agency- Southwest XXXXecovery Services,XXXX  XXXX XXXX , XXXX, Tx XXXX , continues to call ( using Robo caller ). 
Called this date ( XX/XX/28 ), @ XXXX Pm. 
This collection agency was notified with a Cease & Desist letter, weeks ago. 
I have received numerous Robo calls originated by this collection agency. 
Received a threatening call concerning a Medical claim that came from Southwest recovery- This is in violation of the Federal Fair Debt Collection Act!
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

I've tried to contact barclays ( XX/XX/21 ) about about transaction on XX/XX/21 in the amount of {$69.00} from a merchant of XXXX [ XXXX XXXX ] and the agent didn't want to help, she actually hung up on me. 
I'm trying to dispute this charge because XXXX forgot or didn't want to fulfill the order and I've waited for a long time for them to even process the order, but some how these merchants always take your funds away instantly with no problem. So I contacted the merchant first and told the to cancel and refund the order within 1-2 days, which they didn't, then they ignored my request so I contact barclays after the 2 days I've given XXXX  to resolve on their own. 
So barclays is not helping either, I would like a prompt refund for the order that was never shipped.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (GA)

On XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days I have not received a response yet. I feel like im being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I have 2 mortgages I just refinanced. The mortgages were transferred to this company. This company is a joke! 
Everything I am saying below occurred on XX/XX/19. 
I went to sign up on their website which is completely archaic. It wouldn't let me sign up without emptying my Cache on my computer. I have never heard of such a thing. Then I got signed up for one of my loans but it would not let me pay the loan through the website. So I didn't bother to sign up for the second mortgage. Then, I called them to pay my loans and they said the wait time was one hour and there was no way to leave a phone number for someone to call you back. So, I am going to pay my loans by snail mail and hope they apply them correctly. They have 500 one star reviews on XXXX. They're acting like a mismanaged, dysfunctional company and now I don't trust them to handle my personal information correctly. I wish you would investigate. 

XXXX XXXX XXXX
Consumer complaint received 2021-10-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I paid my car off XX/XX/2021 I paid the principal balance to XXXX I close on a house in XX/XX/2021 and the principal balance had to be at a XXXX for FHA to even approve and find the loan JP Morgan Chase auto finance because they lied and said they would negotiate the late fees and did not want to do it at the end I was waiting until they were ready to negotiate the fees as they originally stated. 
In the month of XXXX all of a sudden it showed on my XXXX over {$110.00} principal balance which I had already paid off I called to find out why they said this is a maturity fee one time fee I paid it and that shouldve been the end of it but no due to the fact that they wanted to close out my account but not negotiate the late fees it reappeared in XXXX which I once again repaid it they cancel my payments two times and then lied and said they didnt do it just to have a reason to try to charge the account off for {$110.00} this is fraudulent when Ive done everything Im supposed to do I have my payment history I have a paid in full letter for the principal balance So the fact that they were doing fraudulent activity to try to close that account is unacceptable Im on my credit report fixed and I want something to be done about this company and the way that they handle their business
Consumer complaint received 2021-10-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: ALLY FINANCIAL INC. (IL)

I purchased my XXXX XXXX XXXX XXXX in XX/XX/2018. I co-signed the vehicle for my husband, My husband got laid off right before the pandemic and we decided to possibly trade in the truck because we could not afford my car payment and the truck car payment. We took the truck to several dealerships for trade in and we were told that the XXXX XXXX was a XXXX  Import and no car dealership would buy the truck from us because the truck holds no warranty value in the U.S. The dealership ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX, IL never told me that I was purchasing a XXXX Import and no dealership will accept a XXXX  Import. I feel hoodwinked. When I contacted XXXX XXXX that just blew me off and told me it shouldn't be a problem. Now I'm constantly late on my payments, I have no other choice but to pay when I can or eventually will have to give the truck back to Ally that finances my car. I asked for my disclosure from XXXX XXXX and Ally and still no response. I would like to get out of this deal because I can't trade in the vehicle, I'm upside down in the loan, I constantly keep getting negative marks on my credit report because I'm late paying. Dealerships should inform customers when they purchase XXXX Import vehicles and educate the consumer on the outcomes/reprecussions when they get a car that was not purchased in the U.S.A
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 



Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 



If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for  damages, and you can travel to defend yourself. 



I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (LA)

This is my 2nd complaint against Discover Financial Services. In their previous reply, they stated on XX/XX/2016 that my account was placed with XXXX XXXX XXXX XXXX. On XX/XX/XXXX, a lawsuit was filed with the XXXX XXXX District Court and on XX/XX/2016, service to you of the lawsuit was completed. In their response, there are several violations under USC Title 15. The first violation as a consumer, is Discover, sharing my private consumer credit transaction with XXXX XXXX XXXX. Federal law states that a consumer credit transaction is private. Discover violated my privacy by sharing my information with XXXX XXXX XXXX and by " filing '' my personal consumer transaction information with the local court. Also, the only court that has jurisdiction according to federal law is a federal court and not a local judicial court. Me signing and agreeing to pay was out of fear, not knowing my rights as a consumer and not knowing that Discover had no right to share my private consumer information with anyone without my written consent. Furthermore, Discover states that I was served on XX/XX/2016. That is not true, as the documents for service were provided to my father XXXX XXXX. After he was given the documents he called me at work to state, " you have papers delivered by the sheriff from Discover saying you owe them almost {$2000.00}, ''. Again, they violated my privacy by serving " illegal '' court documents to my father. Where was my right to privacy as a consumer. As a consumer I am protected by Federal Law. As a result of the violations, especially my privacy, I demand that the account be deleted to prevent Federal filing for compensation of {$1000.00} per violation by law. Discover Bank, needs to prove, in writing, with my wet signature, that I gave them permission to share my private consumer information with XXXX XXXX XXXX or the XXXX XXXX District Court. Also, provide proof from the service that I, personally signed for and was served the documents that were filed in court. Failure to provide either proves a violation of my privacy. So, to prevent legal actions in Federal Court, deletion of the account from all credit reporting agencies is demanded.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (PA)

I am a victim of identity theft. I have lots of information in my credit information that are inaccurate. Please excuse me of these items, It is affecting my job and livelihood.
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (CA)

I have reached out to XXXX XXXX XXXX in regarding to debt validation to no avail. I want to get this account cleared up and reporting accurately on my credit report.
Consumer complaint received 2021-11-08
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. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Consumer complaint received 2021-04-23
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: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize. 

Account Name : XXXX XXXX XXXX Balance owed : {$910.00} Account Name : 11 XXXX Balanced Owed : {$910.00}
Consumer complaint received 2021-10-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc. (SC)

Great Lakes is demanding that I pay them about XXXX in regards to a student " loan. '' Credit is my right. I am aware that I made a consumer credit transaction for the use of my personal purposes. The finance charges according to 15 U.S. Code 1605, is the sum of all charges and does not include paying money outside the charge. 
I am the original creditor and do not owe Great Lakes any money, I never gave them written consent to contact me in regards to the alleged debt, They owe me for falsely representing my account, adding interest to the " loan '' and sending incorrect billing statements..
Consumer complaint received 2021-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

Navient is transferring my loan to a new service provider, which I was only informed about over the news. This week, I received an email about setting up auto-payments through Navient when loan repayments are supposed to start, with no mention about transferring my account or why they would need to re-start auto-pay. 

I tried to call their offices to answer my questions directly, which are not found on their website, emails or mailings. I was given an automated caller run-around, and never given access to a human to talk about the changes coming to my account in the next 4 months. Navient will not communicate with the borrowers it is servicing.
Consumer complaint received 2021-10-07
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021