davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AR)

This number called me from an Arkansas area code where I live  ‭+XXXX (XXXX) XXXX‬ .  They said that I was the Discover credit card holder and I’ve paid my payments on time. It was a recording and I do not have a Discover credit card. They asked me if I wanted to lower my interest to click #1.  I am deathly sick of people abusing the phone by using an area code in Arkansas or in my area so that I will pick up the phone. I had got to the point where I wouldn’t answer any calls other than an area code from the state because I was always afraid my family was calling needing help. Now I cannot answer area codes  in my state and if I do I’ll pay for it by having to take time out of my busy life to answer the phone. I am just sick of this and it should be against the law for any wine to get on the computer and make up a phone number and call you because sometimes when I don’t answer the phone I called the number back and it says the number is disconnected or they’ll change their phone  and call me again what’s another number computer generated. I really feel this should be against the law. I know there is no discover business in Arkansas and this was a XXXX area code. Please do something about this.
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/19, I purchased a used vehicle financed through Santander Consumer USA. I was informed the first payment will go out approximately 45 days from date of purchase. On XX/XX/2019, I received the first statement in the mail a few days after the statement generated. The statement reads bill due XX/XX/19. I went ahead and paid my first bill in XX/XX/2019.On XX/XX/XXXX, a second statement is generated by Billing Dept from Santander stating the bill owed for $XXXX due on XX/XX/19. Although it states current on the bill. The amount of $XXXX is not been applied for the bill due XX/XX/19, for which was paid on XX/XX/19.I called and spoke to an agent who requested I wait up to a week for the billing department to fix the mistake. After 6 days, I called and was told it has not been fixed. On day 8 ( XX/XX/19) I speak to an agent who finally understood the issue but failed to ignore my request to have a supervisor escalate the issue. On my screen in shows PAST DUE as in delinquent on the XX/XX/19 due date. After 30 minutes on waiting on the phone, I spoke with Supervisor named XXXX. She put me on hold and then said: "Because you paid your bill 30 days earlier, we applied that towards your principal."I firmly stated that this was not my objective but to pay my first bill as it was sent out 30 days earlier from billing department and now I am being punished for paying my first bill due. Clearly not a valid excuse on Santander. I demanded my payment be accredited to my account as there is only 1 bill due and I paid it already. I ask them to fix my account and get it right the first time. After another hold, she returned by stating they need another 3-5 days to fix the mistake. She stated the first agent put in a request for a due date issue and not the issue of the erroneous mistake made by their own billing department with regards to my new loan account. Once again, I am at their mercy to do what is right and fix my account to accredit the payment made in XX/XX/XXXX to reflect the payment due for XX/XX/19.This is not ethical nor a legal transaction that has occurred but rather an unscrupulous attempt to con me into paying off principal at their discretion and ignoring the first payment for the new auto loan. I would like to proceed and continue to file this grievance to the fullest extent of the law.Thank you.
Consumer complaint received 2019-08-20
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. (IL)

XXXX; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX - partial account number ****XXXX.  (Please see pages 11 and 12 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.
Consumer complaint received 2022-10-22
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: GOLDMAN SACHS BANK USA (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-08-20
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. (IL)

Equifax; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX   - partial account number XXXX.  (Please see pages 11 and 12 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX AND XXXX XXXX HAS INFORMATION THAT DOES NOT BELONG TO ME REPORTING ON MY PERSONAL CREDIT REPORT. I REQUESTED THEY UPDATE OR REMOVE THE INFORMATION BUT THEY REFUSE TO DO SO.
Consumer complaint received 2019-08-20
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. (IL)

XXXX; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX – partial account number ****XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXN/A XXXXN/A XXXXN/A XXXXN/A XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-08-20
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. (AZ)

Experian XXXX XXXX, CEO has failed to send me a copy of the documents that they used to validate the alleged debts on my credit profile as required by law. 

I never receive a notice from either collection agency. I have never been in communication with the collection agencies by or mail. 

Debt Validation is Time-Sensitive Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. If the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days. 

If you dont dispute the debt in writing within 30 days, the debt collector has the right to assume the debt is valid. During the 30-day period, the collector can continue attempts to collect the debt from you until it receives your validation request.
Consumer complaint received 2019-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I am applying for TEPSLF Loan Forgiveness because I qualify for it but not for PSLF due to being on Standard Extended plan, which servicer originally told me was right plan for PSLF (but wasn’t). I have made 122 monthly payments on time since XX/XX/XXXX, and have been full time with the same qualifying federal employer for the last 144 months to present. On XX/XX/XXXX, FEDLOAN asked for my income, family size for TEPSLF process. I provided to them via their app document upload XX/XX/XXXX. Today XX/XX/XXXX, they say since I never provided that info, they are canceling my TEPSLF request. They lied, and I have the upload and email proof I provided info on time. They have failed to provide correct loan calculation of all qualifying payments, and refuse to process my loan forgiveness. They continue to intentionally mismanagement this program and are committing fraud by lying about not receiving the requested info. Online search reports they deny 99% of people who qualify for loan forgiveness...Can President Trump and the Education Director fix them? No other financial institution make these kind of errors, therefore it must be intentional by FEDLOAN. Please help, they refuse to do their job.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (ME)

Had credit card with Barclay (Juniper) Bank.  Fell behind on payments in XX/XX/XXXX.  My account was sent to attorney for collection.  In XX/XX/XXXX, a payment arrangement was made for XXXX per month.  I have made 23 monthly payments on time, every month.  However, Barclay is reporting to XXXX that my account was charged off and every month they are reporting "Failed to Pay".  In XX/XX/XXXX, I filed a dispute with XXXX in which Barclay's declared their reporting was correct.On XX/XX/XXXX, I contacted attorney's office and confirmed that all 23 payments have been received and forwarded to Barclay's.  I was told to contact Barclay directly to fix credit reporting error. I spoke with XXXX from Barclay and was told they would not remove the Failed to Pay because that was the standing my account was in before it went to the attorney.
Consumer complaint received 2019-08-20
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: CITIBANK, N.A. (TN)

I recently filed a dispute with CBNA in regards to a supposed inquiry that the company claims I made in XX/XX/2018. In there response they did not verify ANYTHING. They are saying that I inquired for credit online. They have not provided proof of a WET SIGNATURE or considering it was supposedly done online, they have not provided an IP ADDRESS associated with my home address. They don't have any of that because I never inquired for credit.They have not and can not provide documentation proving any such inquiry was made by me.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

To Whom It May Concern,This is in response to CFPB: XXXX requesting for a police report and stating that my affidavit is not sufficient enough. Also, I still have not received any information I have previously requested for validation purposes.Your company have violated the provisions of section 605B, 623(a)(6), or 615(f),You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportinStating that you have  reason  to determine that you have made a misrepresentation of material fact relevant to the request to block; c) Transunion has reason to determine that you obtained possession of goods Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed [or request another specific change] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in questionPlease send me all document regarding such record, court documents] supporting my position.] Please reinvestigate [this/these matter(s)] and [delete or correct] the disputed item(s) as soon as possible Thank you.XXXX, XXXX SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NY)

The issue is with BMO Harris online saving account Platinum Money Market. 
XX/XX/2019 I've opened the above mentioned account In terms and conditions there were no transfer limits published and i assumed that i'll be allowed to deposit or transfer funds as much as needed at any time ( subject to standard restriction 6 transactions per month ). 
XX/XX/2019 i validated linked account and submitted initial deposit it happened to be limited to XXXX. Then i tried to make another transfer and learned that any deposit or withdrawal is limited XXXX per month. So obviously this limits liquidity and freezes funds. Given this situation I've double checked with BMO Harris if they limit transfers initiated by another institution and received the answer that no limit on deposit but online withdrawals are subject to the same XXXX per month limit. I've requested to return the initial deposit and close the account as they didn't disclose critical information on the account operation terms and this doesn't fit my needs of liquid funds with competitive interest rate. They didn't complete request and just advised that account closed within first 90 days is subject to {$50.00} fee. 
In addition, XX/XX/2019 my funding account recorded transfer of funds to BMO Harris and as of XX/XX/2019 there is still no record of deposit at BMO Harris ( meanwhile the trial transactions for linking accounts go through the next day ). 
The BMO Harris practice with this account is quite dishonest and predatory for consumers - a mouse trap, you put money and then it would take some time to get them back. There are accounts which operate in such way and they should be called CD. The transfer limits are not disclosed, meanwhile this information should be on the front page of the terms and conditions as this is essential information on the account and should be visible upfront before infinite legal disclosures.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (TX)

There is a collection on my credit report from a Southwest Recovery Service, that lists the original creditor as the same name with a date of XX/XX/17. I have absolutely no clue what this is for. I have never taken out any account with this business and never received any bills or notices that I had a debt with this company. I do not think this debt belongs to me and if it does I believe it has been illegally re-aged and placed on my credit report.
Consumer complaint received 2019-08-20
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. (TX)

I am concerned about the validity and accuracy of your recent investigation of  accounts that are reporting on my credit report. Last few months, I have requested investigation & reinvestigation because I felt the items above were not being reported legally. Few days ago, I received a new letter stating that your reinvestigation was complete. Please explain to me how you conducted your investigation!This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. Please respond accordingly
Consumer complaint received 2019-07-22
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: Experian Information Solutions Inc. (WA)

I have gone through my credit report and I noticed that there are so many credit inquiries that I did not authorize. I have put them on a list and I have requested all 3 credit bureaus to remove them because I did not authorize and yet nothing is being done. I did buy a new car but I was approved with my own credit union. It appears that the dealership sent it to about 15 banks. There are inquiries about credit cards. I haven't opened up any new credit cards. I asked for proof of these inquiries and they wont provide me anything. I want my inquiries removed. I didn't authorize them and they are really affecting my score.
Consumer complaint received 2019-08-20
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SUNTRUST BANKS, INC. (NY)

Suntrust Bank is denying my student loan application based on income/race/language discriminationI am a student going to graduate school and am seeking for a XXXX student loan from Suntrust Bank. The loan is approved for credit but is requesting additional documents for my cosigner to verify his income. This bank is always using the reason cannot verify cosigner's income to reject my applicaiton. Loan ID: XXXX Spoke to suntrust custom loan representative XX/XX/19, asked why additional document is required. Said that the cosigner's income doesn't match the the amount on the paystub. He told me income can be projected, try to use the formula using weekly pay x 52week = annual gross income. If the number doesn't add up, I have to re-apply using a lower income amount. Loan ID: XXXX I reapplied, using the formula, put XXXX for cosigner's income. $XXXX/hr x 40 hr/wk x 52 wk/year = XXXX. Uploaded 3 recent paystubs, again asked me to provide additional document for the cosigner. Called suntrust custom loan representative XX/XX/19, asked why? They said they cannot verify income, didn't give a reason, just saying doesn't add up. So I spoke to the supervisor, he said that the number doesn't add up, no why. When I asked how much the cosigner need to put for his annual gross income? He didn't answer,  said he can't provide me additional information if he cannot speak to the cosigner. The supervisor is also not willing to connect me to the loan origination department to ask for details. But the cosigner, who's my father, cannot communite in English. He started his job this year, working full time, earning $XXXX/hr. I and my father didn't do anything wrong, and Suntrust bank is kept rejecting our documents without providing a clear reason or any instructions to help us proceed the loan.
Consumer complaint received 2019-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NV)

In XX/XX/2019 times called my bank TD, asked for the wire instructions to have a wire sent to my account, they gave me the wrong information, a routing number which was not my routing number. It should have been their ABA number with specific information to credit my account. Never showed up, they said, oh well if its wrong we send it back to the sending bank, XXXX XXXX, the person who sent it is my son XXXX XXXX XXXX XXXX. 
XXXX said they never got the money back when they tried to recall it. TD says they dont have it and XXXX doesnt have it. {$8500.00} Because no one will me where the money is. My car was repossessed because I was not able to make the payments. Im out XXXX and my car. Really need this cleared up. TD gave me the wrong information and feel they have the money and wont give it to me. 

Call if needed, XXXX Respectfully, XXXX XXXX XXXX SSN is XXXX