davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

In the year of XXXX, XXXX, I paid {$1400.00} to a merchant called " XXXX XXXX XXXX '' who were assigned to build a website for my small business, " XXXX XXXX. '' In the time between this complaint and that payment, XXXX XXXX XXXX ( XXXX XXXX  ) utilized delaying tactics to essentially avoid providing the service paid for. Upon further review it was found on the XXXX XXXX XXXX that this company is known for having used these tactics against many individuals-often those whom do not have the means to build a complete website but need customization that stretches beyond what the current market offers to those who do not know how to code nor build a website. This company and its representative disappeared 3 months ago and they have not delivered the services I paid for, which is a completed website. 

On XX/XX/XXXX I filed a chargeback dispute with TD bank-both on my credit card and debit card accounts. The credit card dispute is a separate claim but regarding the same company for differing amounts there. We are concerned with the debit card dispute being regarded in this complaint. Twice TD denied the dispute since-on XX/XX/XXXX and XX/XX/XXXX claiming that " .... Due to the fact that this is an authorized transaction related to a merchant dispute, we recommend resolving this matter with the merchant directly .... '' Upon a phone call I made with the TD bank, I was advised by their general support team that the XXXX  guidelines for chargebacks limits their power to recoup funds paid for by their customers by 120 calendar days since the date of the transaction. I was also told by that same individual that there is no recourse. However upon speaking with a separate department, a person named XXXX advised I would receive a phone call by an individual whom specializes in these matters this week-the week of XX/XX/XXXX. I am now awaiting this phone call and will follow up on this dispute upon resolution of this matter. I want to provide TD bank an opportunity to resolve this. 

UPDATE : So as of today, XX/XX/XXXX, I have spoken with 2 other supervisors whom claimed someone from the claims department would call me to offer additonal information. However they keep on implying that this department will only tell me that XXXX 's guidelines restrict the length of time a person has to submit a dispute. However upon checking XXXX 's guidelines, this does not apply to scams and those who have fell vicitm to it. The merchant disappeared and the bank has done nothing to help me recoup my funds.
Consumer complaint received 2021-01-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I sent dispute on XX/XX/2020 and it has been well over 30 days still with no response showing any results or verification of the disputed items in letter. Letters were sent to credit bureaus XXXX & Equifax for the inaccurate reporting. These items should be corrected and removed. It has caused tremendous problems for me during the pandemic.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (SC)

Tried to pull my report through the annual credit report site and got this error message ( see Experian ) Also attempted to pull my XXXX  report and it does not work via the annual credit report site. They give the same error message they give when I tried to dispute an item via their main site. ( The complaint about their main site is in a separate complaint ).
Consumer complaint received 2021-01-21
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: SELECT PORTFOLIO SERVICING, INC. (MD)

Select Portfolio Services INC has sent my private payment information to the credit bureaus with out my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. The credit bureaus should not be allowed to add my private payment information to any report sent by a creditor who is also violating my privacy rights by sharing my information without my consent. Therefore I demand that this account be removed immediately from my credit report.
Consumer complaint received 2024-11-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

On or about XX/XX/XXXX and XX/XX/XXXX Select Portfolio Servicing Inc ( SPS ) took actions related to my real estate property and primary residence ( SPS file # XXXX ) which represent repeat pattern of unquestionable violations of RESPA 1024.41 ( g ) Prohibition on foreclosure sale, also known as dual tracking. 

On or about XX/XX/XXXX SPS made an error by scheduling a foreclosure sale of my real estate property for XX/XX/XXXX ( see attached XX/XX/XXXX notice ) while SPSs XX/XX/XXXX Assistance Offer Notice, informing of SPS preapproved short sale/short payoff loss mitigation options, was pending ( see attached XX/XX/XXXX notice ). 

On or about XX/XX/XXXX SPS made another dual tracking error by rescheduling a foreclosure sale of our real estate property ( primary residence ) referenced above, for XX/XX/XXXX while SPSs XX/XX/XXXX Assistance Offer Notice was still pending. Attached XX/XX/XXXX screenshot of SPS website ( dashboard for the alleged account ) shows a notice Congratulations! You have been approved for an Assistance Program. A letter detailing the terms of the plan has been sent to you. 

According to RESPA 1024.41 ( b ) ( 1 ) -2 A loss mitigation application is considered expansively and includes any prequalification for a loss mitigation option, such as outlined in SPS XX/XX/XXXX offer. 

My wife and I sent notices of errors to SPS on XX/XX/XXXX and XX/XX/XXXX ( see attached NOEs ) which SPS later acknowledged receiving on above dates ( see attached SPS acknowledgments XX/XX/XXXX and XX/XX/XXXX ). 

As of the date of this complaint SPS has not corrected these obvious dual tracking errors despite SPSs unquestionable violation of RESPA 1024.41 ( g ). 

SPS scheduling of referenced XX/XX/XXXX foreclosure within few days of us receiving SPS Assistance Offer Notice on XX/XX/XXXX interfered with our ability to effectively make decisions regarding SPS " assistance offer '' because we perceived SPS 's act as coercion to pressure us to agree to the terms of SPSs offer.
Consumer complaint received 2021-08-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Noticed on XX/XX/2021 an inquiry was made on credit report from Bank of America and did not give permission or apply for a credit card. Contacted Bank of America, talked to XXXX XXXX and he said he would take care of the problem. Received a letter from Bank of America on XX/XX/2021 stating it was legit and the issue was resolved. On XX/XX/XXXX, noticed card was issued.. Tried contacting Bank of America several times through phone calls and email and no luck getting contacted back. Just want the card cancelled.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

They continue to not correctly apply the extra principal payments correctly and they continue to use the incorrect dates which are both to their advantage. 

They keep applying the extra principal payments to the next months payment instead of the principal. 

They dont have a clue as to what they are doing. 

1. Site non functional for months 2. Could not register 3. Then when could register it would take days to get a logon code 4. Then when was able to logon, could not connect the loan. The site kept saying data not found 5. Then when was able to link the account. When click the loan information button the site asks you to logon again in a loop. 

Now they still continue to not correctly apply the extra principal payments and they continue to use the incorrect dates which are both to their advantage. 

They keep applying the extra principal payments to the next months payment instead of the principal.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX is reporting false statement to my credit report damaging my credit. We both agree to settlement agreement on the on paid balance of {$540.00}. the settlement agreement was for {$270.00} leaving me unresponsible for the difference of {$270.00}. 

XXXX XXXX is reporting they took a full write off of {$540.00} on to my credit report. 

I sent this documentation to Equifax, and they still reported the way XXXX XXXX it to be on my credit report.
Consumer complaint received 2021-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (GA)

I requested that my new student loan lender, Earnest, apply the extra {$50.00} a month my employer pays on my behalf towards my principal balance, and I was told that the only way that could be done is if my employer sends it on the same date my payment is processed. I cant control my employer sending this payment. The lender stated the following : Yes, it is legal. This is actually a very normal policy for most lending companies. The accrued interest on the loan needs to be paid first before the principal can be paid down.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XXXX )
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

Synchrony bank has improper consumer lending terms and conditions that can unexpectedly impact your credit score. According to the terms and conditions of a store credit card, they are able to close your account without warning. The credit card was canceled because a payment was accidentally made with an old bank account. The old bank account was rejected immediately and the payment was made with the correct bank account. The account always remained current and no payments were ever missed, but of course none of that matters to Synchrony. I was not notified until the account was closed. Upon calling the customer service hotline I was met with extremely rude and unprofessional representatives who were anything but helpful. Our credit score ( we are currently on the market for a new home ) will be irreparably harmed by making the unfortunate mistake of deciding to use Synchrony Financial.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm disappointed they have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting on my credit late payments on my credit files which i was never late with them i was all ways on time even early then i got a new car and the new company paid the rest of car off which arrived by the due date so even the other dealerships payment was never late. 

Account number XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX placed an inquiry on my credit report on XX/XX/2020 without my consent. 

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an inquiry without my written instructions.
Consumer complaint received 2022-06-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (NC)

I contacted this company Ria on a number of occasions to place the funds back into my account. The company has repeatedly ignored my requests. Im an American that was scammed and had my identity stolen by a XXXX citizen. Police reports have been filed in XXXX XXXX and in the US. The thiefs name is XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I located an fraud account he created and sent himself money using my accounts. All of the following were fraudulent : XX/XX/XXXX {$120.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00}
Consumer complaint received 2022-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (VA)

I received loan from LOANME. XXXX in amount of {$2100.00} in XX/XX/XXXX. Made first biweekly payment of {$160.00} on XX/XX/XXXX. For last 7 months up until XX/XX/XXXX I've been making these bi weekly payments of {$160.00}, totaling over {$2500.00}? Which is way over principle amount of loan. When I go on website to access my account about pay history and payoff, I can not access my account? Customer service gives me the run around! Then they give me a pay off amount well over the actual principle amount of the actual {$2100.00} loan itself? After paying them over {$2500.00} for the last 7 months, my pay off way over {$2500.00}? How? And why is pay off more than the actual loan? Where did my payments go if they weren't applied to principle of the loan to help with pay off? I was told if I paid off loan early, then there would not be any pre pay penalties? I'm confused as to how I owe more than amount borrowed after 7 months of on time payments? This lender is a predatory loan lender and charging interest rates that aren't legal in the states that you reside in, in receiving these loans. Paying over XXXX  times the amount of money borrowed
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (MI)

Carter young inc has reported on all 3 credit reports of mine that I owe XXXX dollars for an account that I have stated and sent in proof numerous times that it is not mine. The collections amount is over XXXX dollars for a student apartment my daughter rented when she moved out she sublease apartment to another college student which was approved neither of us is any longer responsible we were told that by the company. I have called numerous times and this has not been fixed. The company the villas assured us this would not go into collections if we found a subleaser. Also calling Carter young I was hung up on twice told they would not send a copy of documents and threatened to be sued which is according to my rights illegal.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX, I logged into my Amex online account to see that my Amex Gold card was targeted for an upgrade offer to the Platinum card, which came with the following upgrade bonus : XXXX Membership Rewards points after {$2000.00} spend, plus XXXX Membership Rewards points on grocery/gas spend for first 6 months. I reviewed the terms, was eligible for the offer, clicked through to accept the offer, and was approved. 

After a couple weeks, I had hit the spend threshold and was actively putting grocery spend on the card, but the upgrade bonus didn't post, and the groceries were not earning XXXX Membership Rewards points. On XX/XX/XXXX, I called the Amex support line only to be told that the offer was attached to my card, that the points may be delayed, and to keep spending on groceries because the bonus points would post within 8-12 weeks. In reliance on these representations, I continued to put spending on the card. 

On XX/XX/XXXX, I called again and was told the exact same thing : offer is attached to the card, all good, keep spending. I called back again that same day to confirm that the first agent was correct, and to ask the agent to open a support ticket on the issue. The second agent indeed confirmed the first agent 's advice, opened a support ticket, and told me to keep spending. 

Today XXXX XX/XX/XXXX XXXX, I called again, and the ticket had been closed, stating that my card was ineligible for the bonus. The agent let me know that according to the Membership Rewards team, the card was never eligible for the offer. The Membership Rewards team claims that when I upgraded the card, I clicked through a popup stating that the card was ineligible for the welcome bonus, which is absolutely categorically false. Further, I was assured by four separate agents that my card was indeed eligible, which induced my to put months ' of spend on that card. 

The XX/XX/XXXX agent told me that she escalated the matter as far as possible, and that the Membership Rewards team will not be adding the offer or honoring the points that I should have earned for the spend that I put on the card in reliance on four ( 4 ) separate agents ' assurances. 

This unfair and deceptive practice cost me roughly XXXX Membership Rewards points XXXX which I could have redeemed through Amex 's travel portal for over {$750.00} in airfare ) and hours of my time repeatedly calling in to be lied to about my card 's eligibility for the welcome offer.