davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

TD bank has not sent me the agreement and statements of my checking account. Tonight one of the agent on phone said, " we stop sending mails because the post office said it was not deliverable. " And an agent acknowledged that I had no internet account with them. They changed my checking status without my knowledge. They said it was done over the phone. But I had no knowledge of it. It is called XXXX. If there were not sufficient fund, the bank will advance with the fees of XXXX dollars for each transaction. I do not link my saving and checking. Recently, I was fined 5 {$35.00} ( total of {$170.00} in 2 days. ) overdraft charge. They say I can dispute with a bakery which I purchased {$7.00}. I asked the bank, " why do I need you to pay {$7.00} with the bank charge of {$35.00}. I could have used my credit card? ". I received 2 courtesy refunds from 2 different agents as of tonight XX/XX/XXXX. However, 3 more overdraft charge were pending. 1 ) I agreeded to pay one time overdraft charge of {$35.00} : 2 ) I asked to stop XXXX program on my checking account. 3 ) I asked why the bank make decisions of not sending the statements according to the post office, not asking me when I visited at the bank. I found these even fraudulent because mails from other banking institutions reach me. To change the status of checking account without customer knowledge is unaccessible.
Consumer complaint received 2018-04-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Consultants, Inc. (TX)

I started to receive calls from Diversified Consultants Inc in regard to a XXXX Account that was closed and taken care of in 2013. So I checked my credit report where I got a derogatory remark for XXXX on my XXXX. I informed them that this had already been taken care of. They let me know they had an open account in there system that had to be paid. They have been calling and harassing me to pay this debt. I want them to have this negative remark removed from my credit report and to stop calling me. Especially when I'm at work.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2018-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

My account was hacked due to Equifax & XXXX breach the accounts that were in my XXXX   reappeared delay payment the accounts were all deleted and then reappeared I was not notified by Equifax in five days that they were going to re-put what they had taken off back
Consumer complaint received 2018-04-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

I applied for an income based repayment option around XX/XX/XXXX as well. 
In XX/XX/XXXX of XX/XX/XXXX, I had a payment of {$2500.00}, sent on my behalf by my employer. I called to check on the status of this. Navient told me they had yet to receive the check, 2 weeks later. I then called and checked again, Navient then told me, it was sent to the wrong address and they were holding my payment. 

In XX/XX/XXXX, I filled out paperwork about lower my payment. Navient told me I could apply for an income based repayment plan. I completed all the paperwork. I am now in a forbearance. I have yet to be updated about this. 

In XX/XX/XXXX, my employer sent another payment of {$10000.00} to Navient. I had the same issue as before. In XX/XX/XXXX of XX/XX/XXXX, they told me they had not yet to receive the payment. On XX/XX/XXXX, the payment of {$10000.00} was applied. 

I applied for the income based drive programs based upon the change in my payments. When I started repayment in XX/XX/XXXX of XX/XX/XXXX, my payment was {$55.00}. This was my payment until I started back to school in XX/XX/XXXX. When I started repayment in XX/XX/XXXX, my payment was going to be around {$300.00}. I called and was able to lower my payment to {$60.00}. In XX/XX/XXXX of XX/XX/XXXX, I received a bill for around {$300.00} again. I then called and asked about income driven repayment. As of now, I am in forbearance instead of repaying in income based payments. I am making payments as I am in forbearance.
Consumer complaint received 2018-04-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

All three credit bureaus are reporting few information on my credit report that are either over 7 years old or incorrect. 

I have written to all three credit bureaus about this and demanded that they provided me with the evidence and supporting documents that they, during their investigation must have asked the credit reporting company. But they ( XXXX, exuifax, XXXX ) have informed me that they have completed their investigation without sending me any documents from the original creditor. But the issues were not corrected. They failed to send me the documents, I have asked to show me that the accounts are reported correctly as they claim. 
For example, XXXX is reporting two accounts ( {$830.00} and {$2400.00} something ). These accounts are reported incorrectly. I have asked them to show me the documents with proof. They have not. 
Similarly, I have an old account ( more than 7 years old ) for the amount of {$84.00}, originally from XXXX XXXX bank. This account is still showing on my report ( all three bureau ). They have not removed it despite my demanding to remove it. 
Then there is a real estate loan account. Multiple banks are showing the same information more than twice. I have asked the three bureaus to correct this error. They have not.
Consumer complaint received 2018-04-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

All three credit bureaus are reporting few information on my credit report that are either over 7 years old or  incorrect. 

I have written to all three credit bureaus about this and demanded that they provided me with the evidence and supporting documents that they, during their investigation must have asked the credit reporting company. But they ( experian, XXXX, XXXX ) have informed me that they have completed their investigation without sending me any documents from the original creditor. But the issues were not corrected. They failed to send me the documents, I have asked to show me that the accounts are reported correctly as they claim. 
For example, XXXX is reporting two accounts ( {$830.00} and {$2400.00} something ). These accounts are reported incorrectly. I have asked them to show me the documents with proof. They have not. 
Similarly, I have an old account ( more than 7 years old ) for the amount of {$84.00}, originally from XXXX XXXX bank. This account is still showing on my report ( all three bureau ). They have not removed it despite my demanding to remove it. 
Then there is a real estate loan account. Multiple banks are showing the same information more than twice. I have asked the three bureaus to correct this error. They have not.
Consumer complaint received 2018-04-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I got my 3 credit bureau report from XXXX which is a service provided by XXXX. When I got my reports on XX/XX/XXXX, my credit scores were as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX, which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.
Consumer complaint received 2018-04-21
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. (FL)

inquiries are fraudulent and were not authorized. I continue to dispute them with TransUnion who is telling me that they are verified as true and they are neither verified nor true and I want them deleted! Inquires are as followed. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

ONEMAIN RAN MY SOCIAL SECURITY NUMBER THROUGH A BANKRUPTCY DATABASE. MY SOCIAL SECURITY NUMBER MATCHED THE TAX ID NUMBER OF A BUSINESS THAT HAD BEEN IN BANKRUPTCY. ONE MAIN REPORTED A BANKRUPTCY REMARK ON MY XXXX CREDIT REPORT. NEITHER ONEMAIN NOR XXXX VERIFIED IF THE INFORMATION WAS ACCURATE. I HAVE DISPUTED THE REMARK TWO TIMES AND IT STILL IS NOT RESOLVED. ONEMAIN DID SEND A LETTER TO ME ON XX/XX/XXXX, SAYING THAT THEY HAVE NOTIFIED CREDIT REPORTING AGENCIES TO REMOVE THE REMARK. 
XXXX INVESTIGATOIN LETTER CAME BACK TO ME ON XX/XX/XXXX. SAYING THEY VERIFIED ALL INFORMATION AND THEY LEFT THE REMARK ON MY REPORT. I ONLY HAVE THIS ISSUE WITH XXXX, NO OTHER REPORTING AGENCIES. ONEMAIN SHOULD NOT BE REPORTING FALSE INFORMATION AND XXXX   IS NOT ACCURATELY VERIFYING INFORMATION. A TAX ID NUMBER FROM A COMPANY SHOULD NEVER BE MISTAKEN FOR SOMEONE'S SOCIAL SECURITY NUMBER ... ..!!!!!!
Consumer complaint received 2018-04-21
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Utah System of Higher Education (UT)

My bankruptcy was discharged and XXXX contacted me, I am assuming my student loans were bought by them. First person I spoke with was XXXX, he was evasive, rude, kept throwing around garnish your wages, he would call and not leave a message and when I asked him about it he would deny calling me, especially after telling me I would only be working with him. I looked up XXXX /XXXX  XXXX XXXX and there is page after page of complaints, so I was very concerned about what I would be dealing with. I finally got a Supervisor and complained about XXXX and I have advised he never to call me and I will not deal with him. In talking with the Supervisor, I am to call in back in a certain amount of days to do this or do that, as though I am a puppy in training and again garnishing your wages is always mentioned. I set up a repayment plan, after advising them I have paid off two prior student loans. I was not advised that they would take my state tax returns. We settled on a payment that would be due on the XXXX of each month and I told them the payment would coincide with my pay day, so it may be before or after the XXXX, that it would be sent. I am told that I must call them and tell them my payment is in the mail, when I mail it to them, even though there is a grace period of 20 day before/after the payment due date. So now, I get emails every other day from XXXX, saying Please read the following carefully ... ... Action is required. It then goes on to say You have failed to make satisfactory arrangements to repay your student loan ... ... it is now due in full. I was told by a Supervisor my first payment isnt due until XX/XX/2018. I have received two of these emails so far. This is by far the worst, the most unprofessional, unethical way to collect a debt, fear and intimidation and lack of maturity, that I have ever witnessed. There is apparently no oversight and I am horrified and disgusted by this treatment and I am tired of it. And, it is important to me to be anonymous, if you contact this State run company.
Consumer complaint received 2018-04-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I got my 3 credit bureau report from XXXX which is a service provided by XXXX. When I got my reports on XX/XX/XXXX, my credit scores were as follows : XXXX : XXXX TransUnion : XXXX XXXX : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : XXXX : XXXX TransUnion : XXXX XXXX : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX,  which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.
Consumer complaint received 2018-04-21
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Americas Car-Mart, Inc. (AR)

Me and my husband was buying a car off XXXX ar XXXX  XXXX and we had problems with it since the beginning check engine light was on it stopped turning on every week when I called to get it fixed they didnt have time or we just fixed it so returned the car and they called me everyday threatening me that they were ruin my credit score and take me to court the guy that sold it to us was XXXX this was year of 2015 I told them to stop calling me and they didnt listen they said we going to take u to court and I told them lets go then
Consumer complaint received 2018-03-10
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: EQUIFAX, INC. (FL)

I sent them letters multiple times And so far they have not yet respect the fact that I want to to remove the inquiries and late payments off my report.

The late payments can not be proven also.
Consumer complaint received 2018-03-10
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. (FL)

I sent them letters multiple times And so far they have not yet respect the fact that I want to to remove the inquiries and late payments off my report.

The late payments can not be proven also.
Consumer complaint received 2018-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have an escrow account on my mortgage and requested my property tax to be paid before XX/XX/2017. Wellsfargo agreed and sent the payment late. I paid amount of {$5300.00} since the payment was not received in timely manner. XXXX XXXX County refunded Wellsfaro the amount of {$5300.00}. There have been 3 different people assigned to my case up to this date and I have not received the amount that I advanced myself.
Consumer complaint received 2018-03-10
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. (SC)

I have been speaking to different representatives for over 2 month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed to happen to your report.
Consumer complaint received 2018-03-10
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: EQUIFAX, INC. (SC)

I have been speaking to different representatives for over 2 month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed to happen to your report.
Consumer complaint received 2018-03-10
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. (SC)

I have been speaking to different representatives for over a month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I even have duplicate inquires on my report from where a creditor ran my credit twice within one month and a creditor is only supposed to be able to run your credit only once within a single month. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed. Today on XX/XX/2018 was the last time i contacted them and spoke to a person named XXXX who is a XXXX handler.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please remove inquirys on my report due to identity theft as per attached letters. 
Credit Reporting Bureau : Equifax XXXX XXXX XXXX, Dated XX/XX/2017 XXXX XXXX, Dated XX/XX/2017
Consumer complaint received 2018-09-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KY)

American Education Services refuses to allow me to automatically pay my bill online due to three failed ACH drafts from where i switched bank accounts and did not have the funds. There is no one they will allow me to talk to in the Financial Management Department & they refuse to send me to someone in that department or email them on my behalf. I just want to be able to pay my bill online and automatically. What other Loan Services refuses to take payments FOREVER automatically becuase a  client had a issue with ACH payments once YEARS ago?