davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (TX)

My first complaint was filed in XXXX, XXXX. My second complaint was filed in XXXX, XXXX. Today, XX/XX/XXXX, I am filing yet another -- third complaint against Target Card Services, TD Bank USA, N.A. I made a {$480.00} purchase in XXXX, XXXX that brought my balance due to {$2600.00}. After making a payment of {$74.00} and adding the interest charge of {$51.00}, my XXXX, XXXX statement had a new balance due of {$2500.00}. My XXXX, XXXX statement reflects a {$77.00} payment, an interest charge of XXXX and a new balance due of {$2500.00}, and a payment due of {$76.00}. 

I called XXXX, at Target Card Services associate, on XX/XX/XXXX at about XXXX XXXX  and asked her what was my daily interest rate she said, 1.90. Well, last time I filed a complaint the daily rate was .00689, I asked XXXX why I had not been contacted concerning this new interest rate being applied to my account. XXXX said that I still had the 22.9 annual rate as well. My response was to say that I needed to file yet another complaint. 

This manipulation with my interest rate changing and fluctuations has to stop and TD Bank needs to adjust my current balance due to reflect the correct current interest rate that appears on the back of my monthly statement. Also, Target Card Services has never submitted to me a copy of the agreement that I signed stating that it was okay to charge a higher interest rate charge. I have repeatedly requested a copy via XXXXwo phone cals and one letter.
Consumer complaint received 2021-05-08
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. (MI)

I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

XXXX XXXX  XXXX Trustee for XXXX XXXX XXXX Title Trustee and XXXX XXXX are trying to foreclose with a modification breach of contract that the Servicers of XXXX XXXX, XXXX XXXX XXXX and Rushmore Loan Management have caused harm and pushed us into default and possible foreclosure by using the incorrect figures on the permanent modification dated XX/XX/XXXX with escrow balance figures from XX/XX/XXXX that is a breach of the modification contract in paragraphs 3 A. B and C. 

This complaint is being filed against all of the actors listed below in reverse date order. And we demand a reply to CFPB from each and every one of them. 

XXXX XXXX  XXXX Trustee XXXX XXXX  XXXX Title Trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ Rushmore Loan Managament XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$470.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$3000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1200.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$140.00} XX/XX/XXXXXXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$85.00} XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (VT)

I had credit card debt with TD Bank. In XX/XX/2022 a settlement agreement was reached. The lump sum settlement was paid in full, on the spot ( at the time of settlement ). 

A company named XXXX XXXX aggressively contacted ( over multiple phone calls ) in XX/XX/2022 trying to collect the debt not owed ( already settled and paid with the original creditor ). Apparently TD Bank made an error and charged off the debt to XXXX XXXX ( even after the settlement agreement was made and paid ). TD Bank ( recovery department ) has acknowledged that the payment was somehow not applied correctly. They assured me that they would correct the situation and " withdraw the debt from XXXX XXXX ''. I called XXXX XXXX and informed them of this situation and of what TD Bank said. Things were quiet for months. 

XXXX XXXX started repeatedly calling me again. I called TD Bank again in early XXXX and after a long wait, and multiple phone transfers, they confirmed that the account is settled in full ( since XX/XX/2022 ). They said they would send a fax to me to confirm that in writing, and also contact XXXX XXXX stating that the account is settled in full. I never received the fax. 

XXXX XXXX is now again harassing with repeated phone calls and just today ( XX/XX/2022 ) left a long voicemail referencing my name ( and another name ) and debt owed. The voicemail greeting is generic and there would have been no confirmation that the phone number or voicemail belonged to me. This is highly inappropriate. Furthermore, continuing to attempt to collect debt not owed constitutes harassment.
Consumer complaint received 2021-12-01
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. (GA)

i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let TransUnion have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.
Consumer complaint received 2023-03-21
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. (OH)

I am filing a complaint I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XXXX, XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect a current status to help protect the integrity of credit profile.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (KS)

This company continues to pull my credit and sell my information to other companies as an applicant for payday loans. I've called them countless times to try to remedy, they give me the run around, make me jump through hoops or never return my calls or emails. This started in XXXX of XXXX and still continues. 
I've called XXXX and was told to send in paperwork which I sent several times. When I call a few days later to confirm the documents are received, the representatives will tell me more documents are needed to remove the inquiry from my report. On XX/XX/XXXX I called because a rep told me on XX/XX/XXXX a XXXX would call me back and never did. XXXX put me on hold for XXXX minutes and then hung up. I called back and a man who would not give me his name claimed he was messaging with a XXXX and hung up. A woman named XXXX called me back and said they did receive a police report but now a signed form was needed. THEN she said the police report was no good because they did not put my full bank account number on it. Which she already knew they would not. She keeps giving excuses for why they won't remove the inquiry. She then brought up more documents needed after I've sent them several times. She promised me a call back and never did. On XX/XX/XXXX XXXX said she would have a XXXX call me back then hung up on me. Called back and talked to XXXX, he said they they have notes a XXXX will call on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX but he saw no notes that a XXXX ever did. Which means all the months before that, they never told a manger to call back. He said the theft department will not speak directly with clients. I asked him how I am supposed to remedy this. He had no idea. I finally received a call from XXXX in the XXXX XXXX. She said they have everything they need to move forward. She said they will complete an investigation by XX/XX/XXXX and I will receive an Email with their conclusion. She advised they will cease giving out my information as a party interested in getting a loan too. None of this has stopped. I continue to get calls constantly from numerous companies advising they receive information from NetCredit that I want a payday loan. I was promised in XXXX this would be removed from my credit report and it's still on there. They are still calling me daily and several times a day about predatory loans. I need my phone for work and the calls are very disruptive.
Consumer complaint received 2020-07-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I had been a customer of Bank of America in good standing with a credit card opened on XX/XX/XXXX, with a credit card limit of over fourteen thousand dollars. I always paid my credit card on time however I had a horseback riding accident where I XXXX  XXXX XXXX  and was XXXX  for several months. I am a XXXX-year-old woman while fit at the time recovery was not easy. Unknown, to me there was a small balance of under {$9.00} that accrued from XX/XX/XXXX, XXXX XXXX during this time. I never received even one phone call from BOA regarding the {$9.00} balance. So it resulted a several months of late payments and then without any notice BOA charged off the account. It was not until I signed up for a credit monitoring service that I even became aware that I had a balance with BOA. 
I was shocked to learn what had happened and BOA put the account into default over {$9.00}. I immediately paid the account that with late fees as I recall it was a mear {$35.00}. This is a rounding error for BOA but they seem determined to destroy my excellent credit earned from years of hard work and paying all my bills on time. 

They have refused to speak with me and I have repeatedly been told that this is " not our problem ''. I also want to mention that I had a mortgage with BOA from XXXX that every single payment was on time just like my credit card until the time of my accident.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MN)

I reported fraudalent charges for my Business credit AMERICAN EXPRESS card back in XXXX there was charges for XXXX posted on XXXX 4 times total of {$4100.00} XXXX XXXX fees 4 times as well total {$150.00} plus interest fee and late fee. I have call 10 times from XXXX and NO ONE can help me. Everytime I call they stated I am sorry but the case was not file but i will file this claim for you I apologize and ON AND ON. My account now is past due and collections from XXXX XXXX is requesting me the payments. I called customer services again and now i am asking for names and ID employee numbers, there is no resolution. I called I spoke with XXXX  Employee id XXXX and give me a case # XXXX Again I am sorry for this problem. No one even have this charges on dispute, I called again back in XXXX and I spoke with XXXX and she promise me she spoke with the fraud team and they will give me all the credits in XXXX hrs. Guess what NOTHING I received a phone call from collections again. This is terrible, I DONT KNOW what to do anymore. I asked customer services why the charges are not even in dispute? how this is going to be reported on my credit bureau? NO one knows. This is not a joke that is what they told me. Plus when I open this credit card back in XXXX it was a promotion for 18 months no interest. Guess what they charge me interest fee back in XXXX And XXXX I called and they told me they will take care this. WELL NOTHING. I need help please I am only asking remove the fraudalent charges and updated my balance so i can pay my balance.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions bank charged me almost XXXX dollars over last year in overdraft charges. When the money had been deposited into account. They numerous changed transactions around to there benefit to be able to charge me. It would be days they would take process deposits but processed transactions instantly.
Consumer complaint received 2020-10-09
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. (NC)

XXXX XXXX XXXX, continues to report outdated, derogatory remarks to my TransUnion Credit Bureau, in spite of several disputes regarding inaccuracy. They remarks state " BANKRUPTCY DISMISSED ''. I do not currently have a bankruptcy reporting on any of my credit reports. 
I disputed the remarks twice with TransUnion Credit Bureau on XXXX and on XX/XX/20. Received a response from TransUnion on XXXX and on XX/XX/20 stating " account has been verified ''. 

Additionally, XXXX XXXX XXXX  FAILED to mark this account as " DISPUTED BY CONSUMER '' upon receiving my dispute within 30 day time frame of dispute. 

I also spoke with a XXXX XXXX XXXX representative, XXXX id # XXXX, by phone on XX/XX/20, who stated the account is reporting accurately and that there was nothing they could do. 

This inaccurate/derogatory information continues to negatively affect me financially and emotionally.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo closed my account. Its been over 3 weeks and theyve still not sent my balance I had in my account. 

Ive called them several times and they keep telling me unreasonable stories. I needed that money to take care of a sick XXXX uncle. 

I guess Wells Fargo will rather keep peoples money and use it for whatever they want to use it for, and give it back at their own convenience. This is Very very unethical.
Consumer complaint received 2021-02-12
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: Mercedes Benz Financial Services (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and MB Financial Service. The Account Opened is XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is MB Financial Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2023-03-21
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: Open Dealer Exchange, LLC (FL)

Ran my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more on XX/XX/2023 2023
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (OH)

On XX/XX/2020 I was approved by PNC Mortgage for a {$260000.00} mortgage loan to purchase a condominium at XXXX XXXX  XXXX XXXX, XXXX XXXX, Ohio XXXX. 
On XXXX XXXX I received a call from the PNC loan officer, XXXX XXXX, telling me that my loan was disapproved. 
The closing on the purchase of my condo was scheduled for XXXX XXXX and for the sale of my house in XXXX, Ohio was scheduled to close on XXXX XXXX. 
This left me only 3 days to find and arrange for {$260000.00} to be wired to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX so that we could purchase and move into the condo. 
On XXXX XXXX my wife, XXXX, and I met with XXXX XXXX, the PNC XXXX Branch Manager, in person get the many documents I loaned to the mortgage officer, and to pick up a written statement ( " Notice of Adverse Action '' ) of why the PNC Mortgage company waited until the " XXXX hour '' to tell me on XXXX XXXX that I would not get the loan they approved on XX/XX/XXXX. 
I was met by a security guard, the PNC branch XXXX and a PNC " witness '', for the 15 minute meeting, and the Branch Manager, XXXX XXXX, who we have known and banked with for 20 years, made no apologies, and gave no written or verbal explanation of why we were notified only 3 days before we closed on the purchase of the condo. The notice of adverse action from PNC only stated that my income from self-employment decreased in 2020. 
My wife spoke up and then XXXX said the situation was unfortunate. We received only a short written statement from PNC saying that because I was XXXX   and my income was lower in XXXX  ( due to COVID-19 ) that I was not approved for the loan. 
If I was not able to get the {$260000.00} from other sources in 3 days ( by XXXX XXXX ) my wife and I would not have a home to live in after the sale and closing of our former house at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. 
With gratitude, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo Mortgage has not reported data to XXXX since XX/XX/XXXX and as of XX/XX/XXXX the mortgage now shows closed. The mortgage is open, still with Wells Fargo, it has not transferred to another lender and has been paid and in good standing since ownership of the primary residence. I have filed multiple disputes with XXXX as well as reached out to Wells Fargo Mortgage. At this point my credit score is being affected. As of now Wells Fargo shows no data reported to XXXX XXXX XXXX and XXXX XXXX. The account status is incorrect as this account is open ( it also shows open in XXXX and XXXX ) and the total mortgage balance is incorrect.