davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY (FL)

We have account with the TD Bank for many years and we were always considering ( because of the TD Bank marketing and advertising ) that this bank is one of the big and serious banks in US ( knowing that it is a originally XXXX bank ). So far we didnt have any problem with TD Bank XXXX Until XX/XX/2021. 

On XX/XX/2021 we went in person to TD Bank branch located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX, to request to make an international wire transfer of XXXX Euro from our personal TD Bank account to an escrow account of Spanish Attorney in XXXX ( Bank XXXX ) to complete a purchase of our apartment in XXXX. 

TD Bank charged us a transfer fee of {$50.00}. Other banks are charging much less for international transfers. It is expensive, but lets say that is is reasonable. Then TD Bank asked to pay a fee of {$17.00}, that is supposed a fee that is charging XXXX Bank for receiving a money transfer. Let 's say that is is reasonable as well. In the end it was not true, because the Bank XXXX asked through the XXXX Attorney for much more money after the transaction completed. 

TD Bank charged us {$91000.00} for the money exchange + {$50.00} fee + {$17.00} fee. 

Two days later we decided to consult other two banks where we have a personal accounts with and asked them how much would cost us to do the same with them, to our big surprise, both banks told us that we would pay around of {$88000.00}. 

We were in shock to realize that TD Bank stolen from us close to {$3000.00}. 

TD Bank is publishing online that they have an exchange rates that are on par with other banks and that is not true. How you can charge a customer close to {$3000.00} more that any other American bank without disclosing something like that to the customer? We would never in millions year imagine that TD Bank can do something like that knowing that they are charging crazy high exchange fees in comparison to another US banksXXXX Bank never disclosed that the TD Bank has limited licenses for many activities and is using another American bank to do some transactions. 

We were trying to contact the branch manager. Assistant manager of the branch informed us that the branch manager is not available and that she can not help us anyway. She offered us to refund {$50.00} fee??? She told us that TD Bank used the XXXX  XXXX XXXX XXXX to do our transaction. 

Wire transfer info : Date : XX/XX/2021 Sender reference : XXXX Beneficiary : XXXX XXXX XXXX, XXXX Bank to bank info fields : XXXX Real estate settlement buying an apartment XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

Chase denied a claim after I reported it was a scam/fraudulent and refused to recover my money from scammer. The XXXX XXXX lied to me about the authenticity of XXXX plates I purchased using their website on XX/XX/2021. I reported the transaction to Chase within minutes and asked them to reverse it because the seller refused to cancel the transaction when I asked ( minutes after I placed the order ). Chase still paid them! I reported to Chase that I received these counterfeit plates even when I asked countless of times not to send them to me. I was told to supply evidence the plates were counterfeit and that my claim should reverse accordingly. I submitted all the evidence proving they were counterfeit and Chase still went ahead and paid The XXXX XXXX {$500.00} for these counterfeit XXXX plates. Its a Federal crime to sell counterfeit goods and I shouldnt be scammed out of my money without Chase owning up to their promises and asking me for all these extra documents and things. Id like a full refund of {$500.00} dollars.
Consumer complaint received 2022-07-12
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. (AZ)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2020-10-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (FL)

Acura financial services was supposed to send my excess payment of total around {$640.00} I contacted them at least 8 times to resolve, always they say they will send it soon and nothing happens. I am working on it from XX/XX/XXXX to date.
Consumer complaint received 2021-03-10
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. (UT)

I have been submitting disputes with the three major credit bureaus and none of them have responded to me! I have serious erroneous items on my credit file and I have been getting no where. Since XX/XX/XXXX I have sent multiple disputes and deletion letters and yet nothing seems to get done. The bureaus must remove things from my credit! Under the law you have 30 days to respond to my disputes and its been MONTHS.
Consumer complaint received 2020-10-10
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. (WI)

Hello, I have been trying every month for the last year to get inaccurate information removed from my credit report. I started in XX/XX/2019 and have tried every month since then, I keep receiving correspondences back that state verified. I have contacted the Bankruptcy court that states that they do not report to credit agencies, and I have also contact XXXX XXXX and they have not been able to provide me with a method of verification. How is the bureau verifying this info, if I the consumer am unable to verify the information.
Consumer complaint received 2020-10-10
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. (LA)

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX, EX and XXXX has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,
Consumer complaint received 2020-10-10
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. (GA)

I have noticed that on XX/XX/XXXX when I obtained my credit report of WRONG BALANCES REPORTED, WRONG VARIATIONS NAMES, WRONG opened dates of multiple trade-lines. I tried to get the wrong information fixed but no success all around.
Consumer complaint received 2020-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc. (IL)

This person is calling my cellphone threatening me about a debt my little sister owes. I have no knowledge about the debt. The person is stating that I was listed as a " Secondary ''. They do not state what type of " secondary ''. I have not authorized anyone to use my name as a secondary to anything. The person calling is threatening to go to my home ( he verbalized my address ), report me to court as a missed court appearance. I have nothing to do with any debt that he is trying to collect form my little sister. I told the caller that they are calling the wrong person and they should stop calling me. The person continued to call me from a blocked number and leave a threatening message on my phone. They also left a telephone number stating if the call is not returned by noon the following day, they would go to court to say that " I '' was a missed court appointment. The number they left is XXXX XXXX XXXX referencing case # XXXX. They stated their name as XXXX, a process server.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX BANK XXXX Account number : XXXX ONEMAIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Spoke with a unnamed collector at around XXXX XXXX from Portfolio Recovery Associates, about a XXXX XXXX Debt. In the last 7 days, I received several calls about this debt, even though I requested a Validation of debt. At least 3 calls took place in between this time. When I did get on the phone, I offered to settle the debt in order to avoid a complaint with the CFPB or FDCPA. Offer was refused, I then was transferred to the operations manager, a female, and we talked about the communication that proceeded after the Validation of debt. She stated that I had to give them something in writing to stop the communication. I asked her what FDCPA and CFPB have to say about the communication after a validation of debt has been requested, she stated that she I cant get into the legalities of that she refused to answer, than proceeded to state that she will go ahead and place a Verbal do not call on file advised her that will offer her 1 Opportunity to settle what ever balance she is discussing for {$120.00}. At this time, my request was already for a validation of debt, and she seemed to lack the simple understanding that a validation of debt, also serves as an automatic Do not call hence the term Validation of debt she is clearly in violation of the CFPB and FDCPA. I am no longer here to allow credit companies like this 1, to take advantage of people. Collection agencies require more regulation. Unacceptable that an operations manager would yield to not answering a question, about consumer rights.
Consumer complaint received 2020-10-10
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. (OR)

My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.
Consumer complaint received 2020-10-10
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. (OR)

My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OR)

My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (TN)

On XXXX XX/XX/2020 I got a notification from XXXX XXXX  that my credit was ran through a mortgage company. I google the inquiry and I believe is Rocketmortgage.com/Quicken loans. I recently got my email hacked but my social was never attached to it. I would like to find out what information they received from whoever submitted the application. I have never provided my social to anyone other than two or three creditors in my lifetime. This was done unlawful and without my permission. I  believe XXXX  is the only creditor but I could be wrong.
Consumer complaint received 2020-10-10
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. (AL)

I have reached out to Experian respectfully requesting XXXX deletion of the invalid item. After this not being done I second requested validation of the item and third how they " verified as that stated without any validation. I keep getting the same generic response. There are using their computer system to spit out responses instead of properly investigating and removing this erroneous item from my report. XXXX  processed a proper investigation and promptly removed the account from the report. I am requesting the above mentioned do the same. Neither can provide any information, signed documents, contacts, or judgment for this collection in question but have not removed this erroneous item from my account which is causing harm to me and my family. I have reached out to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX which each of these requests have taken well over the 30-day window for responses as well from the amount of collection is {$4600.00}. The account number is shown in the attachments. Steps I have taken are shown in the attachments, please review!
Consumer complaint received 2020-10-10
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. (AR)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I do feel as if my concerns are not being addressed by Transunion which makes me feel as if I am being taken advantage of now. I do understand that by law the Transunion has 30 days to respond giving results of an investigation which gives a reason to immediately remove these items I've attached and listed because it has been well over 60 days now. I demand that we settle this promptly or I will have to file for litigation as a consumer because this has put me through stress to find out how to get a response. I realized that my information was impacted by the XXXX  XXXX and may have got into the wrong hands of the wrong person.
Consumer complaint received 2020-10-10
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. (FL)

Please investigate the following information. XXXX XXXX XXXX   XXXXThe address for this creditor is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. The status updated is incorrect, correct it or delete this account. The Terms are incorrect, correct it or delete it. XXXX XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Original balance is incorrect. Correct or delete this account. The terms are incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX XXXX No contract with this company. Refused to provide documentation this is a valid debt. Delete this account. XXXX XXXX Date open is incorrect, correct it or delete it. The highest balance is incorrect, correct it or delete it.
Consumer complaint received 2020-10-10
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. (WI)

Hello, I have been trying every month for the last year to get inaccurate information removed from my credit report. I started in XX/XX/2019 and have tried every month since then, I keep receiving correspondences back that state verified. I have contacted the Bankruptcy court that states that they do not report to credit agencies, and I have also contact XXXX XXXX and they have not been able to provide me with a method of verification. How is the bureau verifying this info, if I the consumer am unable to verify the information.
Consumer complaint received 2020-10-10
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. (TX)

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

these companies have re-aged all my '' alleged accounts ' Totaling to a {$10000.00} plus LAWSUIT for all the re-aged accounts. 

I have tried to correct this issue with them several times and they refused to remove the information from my credit, i have consulted an attorney to work on my behalf for the damages brought to my credit report. 

I have also enclosed the letter i sent to all three companies, they have yet to respond and its been 60 or more days.
Consumer complaint received 2020-10-10
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. (FL)

Please investigate the following information. XXXX XXXX XXXX   XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of last payment is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete it. XXXX XXXX XXXX  XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX XXXX. No contract with this company. Refused to provide documentation this is a valid debt. Delete this account.
Consumer complaint received 2020-10-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I was paying my car on time with Nissan financial idk what happened but I have proof of the last year making payments on time. Horrible situation all over Some late fees they pushed all my payments as late and passed 60-90 days. I was literally homeless and was still paying for this car.
Consumer complaint received 2023-04-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (FL)

My HELOC is currently owned and serviced by Real Time Resolutions. They issued temporary payment resolution TPA ( attached ). I have asked for clarification on the issues listed, which RTR has failed to provide. 

1. A detailed ledger breakdown of the debt owed. They allege the debt is {$61000.00}. I have records on the debt showing that {$52000.00} is owed.

2. A description of the {$7100.00} down payment application. There is no designation of where those funds will be applied. 
3. After the TPA, there is no description of the future interest rate, terms or monthly payments. There is no long term resolution listed, only a reference to the original mortgage note. 
4. In the accounting ledger supplied by RTR, the balance was {$52000.00} as of XXXX. Also, both the settlement offer and the accounting ledger refer back to the original XXXXXXXX XXXX note for interest rate and payment. The current interest rate listed varies from .06625 and .08125 ... the periodic rate that is applicable per the XXXX XXXX note is .0312 and actually declined to XXXX for many years due to lower prime rates ( published in the XXXX XXXX XXXX ). There has been no explanation for the serious discrepancies.