davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (NY)

Hello, This complaint is on TD Bank. Recently I noticed a charge on my credit card that I never authorized. The charge was for {$4900.00} from a company called In Compliance Services on the date of XXXX/XXXX/XXXX. I always pay my balance and usually review our books. Upon a closer look we noticed this charge and we have never given out our credit card number to a company like this. The first thing we did was try to find out why the charge was made, so we did some research on the company to find out who they were. We called the number we got off the internet and asked who they were and if they could give us some info on why they billed us. They told us that they did compliance services and they have no records of charging our card, but they could n't give our money back. The only thing I wanted to know was why I was charged and they gave me a very vague ambiguous answer. I was upset because not only did they take my money, they would n't tell me why. The next thing I did was call my credit card company. TD Bank. This first phone call was made on XXXX/XXXX/XXXX. TD Bank started a fraud investigation, and said that they would do the research and find out what was going on, and also that they would credit me back the money that was taken if they find out the charge was not good. They said the investigation would take XXXX10 business days. So I called them back on XXXX/XXXX/XXXX and at that point they asked me to send a affidavit claiming fraud. So I sent them a letter stating that I had no business with this company. I finally heard back from them about a month later and they said that since the charge happened 2 years ago that I was responsible. I asked them about their XXXX $ fraud liability, and they said that it did n't apply here. They made it seem like they did n't even do an investigation on this company. They had me send them an affidavit and they did n't even lift one finger to try to figure out why these people charged me! I did my own research and I found out that the fair credit and billing act said that I was protected from fraudulent charges and that if I was billed that the merchant should have to provide documents saying what they charged me for, an invoice, something. Anything! So I wrote TD Bank another letter that included these federal laws that I looked into. Again I was denied. I also asked them to resend the information for the denials so that I could attach it to this complaint. They said they would, but they never sent anything. So I feel like I was victimized by someone who got my credit card information and that the bank unfairly denied my claim without even looking into it. I was just given the run around, and I was n't protected by my bank against this fraud. My husband has served in the XXXX and I just feel like we were left out to dry by TD Bank.
Consumer complaint received 2016-09-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BlueChip Financial (CA)

Received a call from a man stating he was with Spotloan.com about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is BlueChip Financial and not even licensed. They need to be stopped!!
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I HAD THEFT TO MY ACCOUNT. THEY LOCKED MY ACCOUNT FOR OVER A MONTH, MADE ME GO THROUGH ALL KINDS OF LOOP HOLES TO GET MY MONEY AND HAVE THE PERSON ON CAMERA THAT DID FRAUDULENT ACTIVITY TO MY ACCOUNT. HOWEVER, AFTER NOT GETTING ALL OF MY MONEY THEY STILL CLOSED MY ACCOUNT AND ARE REPORTING AS I OWE MONEY. I GAVE NUMEROUS STATEMENTS AND WAS WILLING TO PROSECUTE. I EVEN FILED CHARGES WITH MY COUNTY POLICE DEPARTMENT.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When my credit was pulled on XXXX/XXXX/2016 it showed several accounts, ID information, address and employment information that does not belong to me. When I send the dispute letter I attached my ID, ITIN Letter, and utility bill as proof of identification. I received a letter on XXXX/XXXX/2016 from TransUnion requesting more documentation. I mailed the required documents back on XXXX/XXXX/2016 via certified mail and have not received anything since than. I 'm requesting the accounts and other items to be deleted from my credit report because they do not belong to me. Please see all attached documents. 
Thank you
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried almost a month ago to file a complaint against Transunion for not allowing me online access to dispute some information on my credit report, it remains the same. I called to dispute over the phone on XXXX/XXXX/2016, she gave an XXXX name that I can not pronounce or even try to spell. I gave information regarding the collection accounts I was disputing but when we got to the inquiries I was told I would have to contact these companies to have them removed and she would give me contact information for each company. There are numerous inquiries on my account and feel contacting the companies are a part of the investigation process. If I did not request anything to be run against my credit report, why am I the one calling, I do n't know these people, trying to relay this information is so difficult when talking with an unknown company and how am I to be guaranteed they will be removed by Transunion. Transunion is SO difficult to work with. If I had a choice to not use them, I would not. I just want to clean up my credit to reflect what I DO, not anyone else. I have recently learned that my internet had been hacked and found numerous log in attempts from several " supposed countries ''. I had noticed many inconsistencies with my email and at one point was not receiving voicemails on my phone for the phone company to tell me my voice mails were being forwarded to another number. These credit bureaus being so difficult to work with, can cause bad credit. I work full time and do not have all day to call these companies, I have XXXX credit bureaus to deal with and so far only Transunion wants me to do the work for them.
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was charged XXXX days for a processing hold in my account to a business that did n't submit the hold for payment right away. The bank charged me each day the hold was in effect, thereby reducing my balance that affected other payments which should have been covered. They said at the end of each day, they returned the monies to my account if they were not collected by the company. However, my statements show that the monies were " never '' returned to my account and was eventually charged again on the following day, making the charge a double payment to the business which they never received but my account was reduced by the double amount. That 's not fair to me to be charged twice and the monies not paid to the merchant but my account depletes anyway. The bank should replace the funds at the end of each day if they are not collected by the merchant, thereby making the bank customer whole again for the next day charges.
Consumer complaint received 2016-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently pulled my credit report and there is a Chapter XXXX Bankruptcy reporting that does not belong to me. I was a victim of ID theft.I am writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with a similar name to mine filed bankruptcy in the District of Maryland, and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that this was a fraud acct but yet it came back verified. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the FCRA to report erroneous information on a credit report. I ask that you remove it immediately or I will be filing a complaint.
Consumer complaint received 2016-06-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Glass Mountain Capital, LLC (TX)

To. Consumer Financial Protection Bureau Greetings, My name is XXXX XXXX I was XXXX Military Because of XXXX. 
after almost a year of struggle I could not afford to pay my debt so I decided to enroll in the Debt settlement program so far I already pay a Total of {$25000.00} to the Debt Settlement Company which taking out from my XXXX Payment from Dept. of Veterans Affairs. and automatically withdrawn from my Bank. the debt settlement company promise me to settle of my debt one of them are XXXX credit card the debt settlement company notified me that the XXXX accepted the settlement through Glass Mountain Capital LLC for the amount of {$5800.00} this was settled by installment basis and the debt settlement company charge me a total of {$1800.00} just a settlement fee for this account. now base on my research the debt settlement company paid the Glass Mountain Capital LLC through auto payment but the Glass Mountain Capital LLC did not accept the last two of auto payment in the amount of {$180.00} so that the account remain open and per Global Client Solution account statement they reverse the payment and I found out they sold me to another collection agency. I want to file a complaint against Glass Mountain Capital LLC because of unfair techniques of collecting payment to a helpless people I hope this will serve a Lesson in the future Victims. I wish your Department can help me, and also can you Please Bring this case up and report it to the Congress. I will disclose a Involving party. 

XXXX XXXX XXXX Glass Mountain Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Tel. # XXXX XXXX, XXXX XXXX Tel. # XXXX
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX can not be verified properly. The company that hired this company, XXXX, should have billed my insurance company and failed to do so. My insurance company paid for the emergency room visit. The failure of XXXX to get paid is their own doing. 
The Date Opened on my credit report is listed as XXXX, which is incorrect. The date opened according to FCRA should be XX/XX/XXXX. Thus, this should be removed from my credit report according to the FCRA. 
Lastly, I never received a bill from XXXX XXXX or XXXX. Per my discussion with them in XX/XX/XXXX after viewing my credit report, they asked me for an address because they did not have one on file. They admitted they were mailing to an XXXX address. However, I was a resident in XXXX the entire time in question. 

The attached documents clearly show that the hospital was paid. Therefore, if the ambulance company had done its proper due diligence, they could have been paid as well. Thus, XXXX did not perform proper due diligence to verify the legitimacy of this debt.
Consumer complaint received 2016-04-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc. (CA)

I 've been going to this dentist, here in XXXX XXXX, CA for a couple of years. In XXXX of this year, I received a collection notice from them. I called questioning the letter, since I had just had an appointment and was asked to pay {$60.00} ( my out of pocket expense ). When I got the collection notice a few weeks later, I called and told them about this collection letter and was told that the person that handled billing was not in, so I left a message asking for a return phone call. I got a call from someone and I explained the situation and she looked at my file and she told me that I had no balance. I was then called to confirm an appointment for XXXX. If I had an account in collections, then why did they call me to confirm an appointment? I canceled the appointment due to this unresolved matter. Any company you owe to, would not do business with you until you pay what is owed. My concern is that I was first told I had no balance ( after my out of pocket expense ), and then I am in collection, without an itemized statement.
Consumer complaint received 2016-04-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (WV)

I have been out of collage for over 20 years and owe more now on a loan I have been consistently paying then when I took the loan out. 
I am a XXXX who qualifies XXXX for Public Service loan forgiveness -- however -- due to the practices of a company I fortunately am no longer with I can not use this Shortly after I graduated my loan was sold to XXXX XXXX -- I had no say in this and it took many years and law changes for me to be able to transfer my loan. 
I have a fixed interest rate at 8 % and XXXX XXXX would change this at whim to as high as 40 % -- I often did not notice this till tax time -- when I would call them they would put it back but I was told nothing could be done about the accrued interest it was a computer error. 

XXXX XXXX told me they did not offer public service loan forgiveness -- or any other of the relief programs offered by the government because they were a private lender ( so I was unable to have an income based payment of any kind ) Recently about 2 years ago my loan was able to be move ed to Fed Loan Servicing -- I filled out all the documentation and for Public Service Loan forgiveness and I qualify for the time I have been with them ( my school qualifies and I am on a income based repayment plan ) -- however for the years I was not with them I did not qualify because I was not an an income based repayment plan ( through no fault of mine the company did not offer it and I did not choose the company I had no say in them getting my loan ) So even though I am no longer with XXXX XXXX they are still drastically effecting my ability to repay this loan -- not only did the principle double while I was with them -- but they did not offer federal programs that would of allowed me to be nearly finished paying this loan. 

During the time I was with XXXX XXXX I was in a better financial situation-and was able to pay my loan consistantly-Since XXXX 2011 my husband has become a XXXX XXXX veteran -- we have been living on XXXX salary ( mine ) I have had to place my loan in deferment in order for us to survive while we are working on getting him social security. Even though I support him XXXX financially I am not allowed to claim is as a dependent on my taxes which would help lower my income sensitive repayment -- -- -I do not know if you send information to the government on possible relief situations but for those XXXX XXXX persons or spouses of people with XXXX XXXX I believe there should be some sort of loan forgiveness program And as far as the public service loan forgiveness is concerned maybe some changes should be made -- -If a person meets the job qualifications they should qualify no matter what type of repayment schedule they were and are on -- -as I am sure XXXX XXXX is not the only company that does not offer income based repayments Thank you
Consumer complaint received 2016-09-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

I just received a letter from Wells Fargo Dealer Services regarding my complaint submitted to them about receiving a 30 day late for the XXXX 2016 auto loan payment. First, I have NEVER made a late payment for this car loan. On XXXX XXXX, 2016, I called to make my payment over the phone after normal business hours. On XXXX XXXX, 2016, I noticed the payment was not taken out of my account. I called again to make the payment as I figured something was wrong. In the four years I have had this loan, I have never made a late payment. Wells Fargo had to correct credit reporting two years ago for this loan for the same reason. The representative messed up and my loan was reported late. This is predatory lending and I am very upset as I am trying to refinance my house and get a business line of credit ; however, my credit report has dropped XXXX points. I would like Wells Fargo to suppress my credit reporting for XXXX 2016 as I made the payment on XXXX XXXX, 2016. This bank has been the subject of litigation for illegal practices. Most recently, student lending consent decree. I am a very good customer and very upset about how I have been treated.
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

I am a recent graduate of an XXXX and have currently begun working within my field. Accepting a position in my field resulted in a financial gap in my salary ( I took a 40 % pay-cut from my last office job ). Upon contacting my private student loan provider I alerted them of my financial change and requested other payment options. They refused to work with me in order to find a suitable repayment plan. 
I have been paying back my private loans since I was in college, never missing a payment, and their only solution to my financial situation was to allow my private loan debt to go to collections. I refuse to accept that they are unwilling to extend the term of my loans, making payments affordable for me. I understand fully that I am responsible for paying back my student loan debt and I am not trying to justify not paying what I borrowed. I am simply making a minimal ( entry-level ) salary and am need assistance on repayment plans. If my private student loans provider extended the term of my loans, my payment would become affordable. They have refused to do so because my total debt is {$2000.00} less than the acceptable amount of debt a borrower needs to extend payment terms. 

I graduated XXXX year ago, and am finally perusing the career I dreamed of in college. Now my student loan providers have suggested I quit this job in order to work at a XXXX so I can make ends meet on an unfairly large monthly student loan payment. They are making it impossible for me to continue working in the field, that I went to school for in the first place, in order to obtain a higher paying job to pay them back ( at 10 % ) for the education I will not be utilizing. 

I ca n't believe that any student loan provider would refuse to give their borrowers alternative payment plans. I am simply looking for accommodation for entry-level salary borrowers that is fair.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

All collections accounts were DELETED from my credit file on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, the deleted accounts were RE-ADDED to my credit report. I called Equifax to have them deleted again. Now, on XXXX/XXXX/XXXX, the same collection has been added under a different collector 's name. I called the collector and confirmed that the amount is the same. They claimed they changed the company name. These collections items are deleted and re-added to my report about every 20 days. Also I have requested that the XXXX Bank account closed in XXXX be removed as it has not ever belonged to me.
Consumer complaint received 2016-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Apparently Transunion changed there scoring model which caused my score to drop XXXX points, it went from XXXX to XXXX because of a change in their scoring model. I did not have anything negative reported/changed on my report yet my score dropped XXXX points!? I do not feel this is fair to consumers, how can the bureaus make changes that negatively impacts consumers. Transunions scoring model should be investigated to prevent further negative impact to consumers.
Consumer complaint received 2016-06-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MN)

Our vehicle was seized by the MN State Highway Patrol back in XXXX XXXX. 
We settled with XXXX XXXX, the company our original loan was through, on XXXX XXXX, XXXX. 
XXXX XXXX was bought out by Santander Consumer USA and they finally marked our account as closed XXXX XXXX, XXXX. But they are still reporting us on our credit report.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a complaint?
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IN)

I hired a company to address this issue but has not been able to rectify the issues. I sold my home in XXXX 2015. XXXX was paid in full and has sent me the documentation. The title company has confirmed with me the balance was paid in full. The bureau is stating it was legally paid for less than the amount owed. Each month it is reporting delinquency and my credit score goes down every month.