davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

On XX/XX/XXXX I purchased a treadmill online from XXXX after reviewing the purchase the next day I decided to cancel the order. I could not get anyone on the phone from XXXX however I did respond the initial email from XXXX XXXX who thanked me for my purchase, I asked him/her return the purchase on XX/XX/XXXX. I received a bill in XX/XX/XXXX and it still had the purchase on it. I called XXXX and they said that they were in the process of returning the item and to disregard the bill. I receive an email from someone named XXXX XXXX on XX/XX/XXXX about the product and the company wanted to deliver, I told them that this product was suppose to be returned and that I did not need it. On XX/XX/XXXX the email was acknowledged and they said that they were forwarding my return request to their billing department. I yet again received another bill from XXXX in XX/XX/XXXX, I called again and spoke to one of their reps. I explained the situation and they waved the payment and said that they I should submit a dispute form. I mailed the form with the dispute info on it ( this credit company does not have a web page to dispute ). I received another Bill in XX/XX/XXXX, I called yet again and they said all they needed to do was process the return and gave me a different phone number. I called the other phone number and they processed the return. I called the original number and was placed with another rep, I explained the problem yet again and they demanded payment and hung up on me. At this point the product has been returned and my bill reflects this however the bill still states that I owe late fees and now they reported that I have late payments on my Transunion credit report.
Consumer complaint received 2018-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

I have been receiving repetitive calls all day everyday from XXXX XXXX. When they call me they always call private so the number never shows up and I know its them because Ive answered the phone on multiple occasions and it was XXXX XXXX. I get calls from them atleast 3-4 times per day. Its really annoying and they never call from a business number its always private.
Consumer complaint received 2018-06-29
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (TX)

There has been previous issues involving XXXX XXXX XXXX online " Bill Pay '' and SYNCHRONY FINANCIAL and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

Synchrony tells me the collection dept made attempts to collect $ XXXX/month and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX/month since opening the line of credit.
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I submitted a request for partial or full student loan forgiveness based on false certification due to disqualifying status and lack of ability to benifit because I have never earned a High School Diploma. The reason Navient gave for deneying my request was that maintain that my loan was disbursed prior to XX/XX/XXXX,  which is untrue. In my original application for discharge I supplied my High School Transcripts which show that I did not graduate. I also submitted college transcripts from the XX/XX/XXXX to prove that I attended College after XX/XX/XXXX but Navient refuses to acknowlege the documents or comment. I do not hold a college degree although I took college classes.
Consumer complaint received 2018-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I originally signed up for an account thru XXXX when a purchased a XXXX XXXX phone on XX/XX/XXXX. I was not satisfied with the product and requested a return on that was approved on XX/XX/XXXX. I then shipped the items back on XX/XX/XXXX and they were all received on XX/XX/XXXX at XXXX via XXXX Tracking numbers XXXX. I then started to be contacted by your firm almost on weekly bases that my account was delinquent and that you have no record of this return as it takes 60-90 days between your firm and XXXX to confirm the returns. I offered to provide proof of returns via the tracking info and return information and your representatives were very helpful and sated that they would note the account. Yet the calls continued, and I started to notice that my credit history was being affected via a delinquency on unpaid credit account. 
On XX/XX/XXXX i received the attached email from XXXX that a credit was issued. Yet I continued to receive bills from your firm that I still owe late fees on a returned item. I contacted your representatives and they stated that this matter was going to be resolved and that my credit history would be cleared up. My last conversation with your representative XXXX, XXXX was at XXXX EST on XX/XX/XXXX. To date my credit remains with negative/derogatory information from your firm. I believe that I have given your firm ample time to correct this condition.
Consumer complaint received 2018-07-09
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MO)

I contacted Wells Fargo Deal Services to make them aware that my identity was used fraudulently for this one account on my credit file. The other two account are legitimate credit cards accounts. I gave them my contact information, when I acquired the two credit cards accounts. So my contact information was already on file at Wells Fargo Dealer Services. However, the account that's displayed for the car doesn't belong to me. I have disputed this account several times, but to no avail. This is not my account. Wells Fargo Dealer Services refuse to remove it from my credit file. I have sent them all the supporting documentation to support my claim, but still refuse to remove it. I'm taking this to the media after this last attempt.
Consumer complaint received 2018-07-09
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. (TX)

The account below is not mines. I have attached complaint sent to company and attorney general of Florida. 


XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00} Needs Attention
Consumer complaint received 2018-05-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (TX)

At the end of XX/XX/XXXX ( XX/XX/XXXX I believe ) I went to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX- ( XXXX ) XXXX ) and I dealt with XXXX , one of the salesman. I explained to them that I had another 4-5 months left on my XXXX XXXX XXXX and that I was interested in looking at a new XXXX XXXX XXXX, but in order to do the deal they needed to pay off the remaining lease payments for my truck. We ended up coming to an agreement where they would pay my truck off and I would lease the new XXXX XXXX XXXX XXXX or at least I thought that was the case. I got the XXXX but about a month later, XXXX XXXX called me saying that I was delinquent on my lease payment for my XXXX XXXX. I explained to them that I did not even have the truck anymore and gave them XXXX XXXX 's information. I didn't think anything of it until I received another call a few weeks to a month later saying the same thing. I then got worried and started to call XXXX XXXX. They could not get me any answers and they kept saying someone would get in touch with me that they are looking into it. I kept texting XXXX and calling him, but got the same answers ( I have the text messages ). It wasn't until I refused to talk to the sales team and asked to speak to the general manager that I found out that both the General Manager ( who I dealt with ) and the Finance person ( who I also dealt with ) had been fired and they lost my deal/lease information and didn't pay off my car as promised. After finally getting to talk to the acting General Manager/Manager, they finally got to the bottom of it and had their corporate team cut a check. The reason I am emailing today is because it is already too late, my credit has sunk nearly 200 points and says it is now poor when it was very good. I need your help in correcting this. Please let me know if you need to see the text messages as backup
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MM Finance, LLC, Bellevue, NE Branch (RI)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have bank statements proving i paid!!!!!
Consumer complaint received 2018-05-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (TN)

In XX/XX/XXXX I received a phone call from Hunter Warfield in regards to my lease with XXXX XXXX XXXX XXXX.. I was not even aware that the issue was at the agency since XXXX XXXX XXXX agreed on the lease payment and requirements for breaking the lease. 
Since then I have received phone calls From collection agency Hunter Warfield at home, cell phone and work without my permission. I have asked several times NOT to call my work desk. They call Several Times a Day- Everyday Except Sundays. 
I spoke with XXXX XXXX XXXX  via Email regarding the amounts needed to satisfy the breaking of my lease prior to any of this happening ; before I even moved out. The satisfaction details are stated below. 
1 month Rent for the Month I was there- XX/XX/XXXX- {$1200.00}. 
1 month Rent fee for Breaking the lease- {$1200.00} In addition, I would forfeit my deposit- {$3000.00} This is what was agreed upon. I provided XXXX XXXX   XXXX with my new address and never received the final Amounts. The only communication came when Hunter Warfield called me with the amount of {$4300.00} I Have since received 3 letters in the mail and countless phone calls.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

I am writing you today as an aggrieved man. TD Bank yet again has charged me a ridiculous amount of overdraft fees and stole my money, I know thats how banks make their money, but I do not appreciate being mistreated by this bank. I should have a balance of {$200.00} maybe a little more as my account balance as of today XX/XX/18. TD Bank charged me {$150.00} overdraft fee on top of another {$35.00} over draft fee. All this as they still process, my transactions making it appears they were on a different date then they were. My paycheck was deposited today XX/XX/18 and II was left with {$60.00} dollars out of {$540.00} because of TD banks horrible business practices. I called customer service and they said to me they cant get into my account because they are locked out. I cant even have a conversation with an agent about my account now? Why? Its getting to the point where I am going to end up taking my business elsewhere. I really do not want to and want to give TD Bank a chance to do right by one of its customers. I demand TD bank remove the extra overdraft fees immediately and restore my balance to {$200.00}!
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (MN)

I am a victim of identity theft and someone used my personal information to open up an account with XXXX/Transworld Systems, Inc. The account is a fraudulent and unauthorized account and do n't belong to me. The account resulted from identity theft. I have been receiving harassing and threatening telephone calls and death threats in regards to the account with Transworld Systems , Inc .
Consumer complaint received 2018-06-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America charges a XXXX $ maintenence fee despite the account in questiom being above the required amount for fees to encure. The account also had a monthly deposit of XXXX $ into it, another requirement by the bank if you want to avoid the XXXX $ monthly fee. Despite all this, I still have XXXX $ taken from the  account for a " maintenence '' fee every month. 
I went to meet with a banker the first time I noticed this and was under the assumption that the issue had been resolved.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I submitted the official mail-in request form from the FTC for my free annual credit report from the three credit reporting agencies. 

TransUnion responded to me by mail with a bill, saying that they will not send my report unless I send them additional information by mail and have also requested that I pay them {$9.00} for this report. 

They claimed in the letter that they can not verify that I live at this address even though I have lived here since XX/XX/2014, and I have ordered credit reports at least twice from this bureau at this address. Their file on me should have this address as indicated on prior year reports. So they have either mishandled or lost my information since the last request, or they have lied in this letter. 

I believe this is an attempt by TransUnion to get out of their obligation of providing a free credit report, by making the process more difficult, and I also think they are trying to scam me out of paying {$9.00} for this report with the included bill, that asks for a credit card number, and expiration date in order to process the application. The included bill makes the payment look like a requirement in order to proceed. 

TransUnion is obligated to provide this report for free annually at my request and I think they are failing their obligation by falsely stating they can't verify my address and delaying the process and deceptively sending a bill asking for payment which goes against the spirit of The Fair Credit Reporting Act. 

I am concerned about this practice if TransUnion is dodging the obligations under the law and trying to avoid compliance by deceitful practices such as lying about the information they have and/or requesting payment for services that they are obligated to provide free of charge. 

I would like the CFPB to look into this practice to make sure that TransUnion is in compliance with the FCRA. Furthermore, if they have somehow lost the record that I have lived at this address for the past 4 years, I would like the CFPB to investigate how/why they could have lost this information. 

Thank you,
Consumer complaint received 2018-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I submitted a payment of {$440.00} to Navient on XX/XX/18. Despite having debited my checking account for the payment, Navient 's systems are not reflecting this payment.
Consumer complaint received 2018-05-06
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 read the complain before sending out an automated like response. I want a thorough investigation of my concern before I take a legal action. I don't want automated like responses, explaining how credit scoring works and how you can not disclose the credit scoring model. I am well aware of the procedure. If something in my report changes, my credit score changes. 

But my credit score has changed without any changes to my credit file. I want a detailed investigation from the bureau of what changed my score if nothing in my credit report has changed. Seems like credit reporting bureaus are practicing fraud and playing with average Americans life. 

I am attaching 2 images of my credit file, one its from XX/XX/XXXX and other from XX/XX/XXXX. As shown in the report, there are no changes to my credit file but still my credit score has dropped. I want answer to my specific question, of what caused the drop if there were no changes to my report.

If the bureaus has renewed one of my old debts to show as if it has happened just now, this is fraudulent activity as an old debt can not be renewed. 

I am in a process of buying a house and I will seriously consider a strong legal action against the bureaus if I don't receive a specific and detailed answer to my questions.
Consumer complaint received 2018-06-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Innovative Funding Services, L.L.C. (NY)

This is an associated complaint with IFS and XXXX XXXX XXXX XXXX XXXX. IFS brokered this loan. 


I applied for a loan with Innovative funding services to attempt to get a lower auto loan rate. I believed IFS was a direct lender they are not. My loan was placed with XXXX XXXX XXXX XXXX XXXX and that is where the issues began. I was charged {$400.00} to obtain this auto refinance. XXXX XXXX XXXX XXXX XXXX will not allow external accounts to be added to their web site. You have to pay by debit card and there is a {$15.00} fee, furthermore when I attempted to refinance out of this auto loan they ( XXXX ) took a {$2500.00} payment from me with my permission and I was charged XXXX by my other bank. They did not inform me this would be considered an OTC cash advance. This credit union is a very deceptive institution and should not be allowed to stain the XXXX XXXX name. Being a XXXX XXXX veteran myself I have watched these institutions prey on XXXX XXXX and veterans for many years. This credit union never offered GAP coverage or a warranty. Their APR is almost % 10 which is ludicrous. They need to disclose their fees and the fact you can not add an external account making a payment difficult. I am still awaiting my title from this institution as well and they say that IFS is handling that. When contacted IFS states they took care of it. XXXX XXXX XXXX XXXX XXXX and IFS should not be allowed to take advantage of consumers in this way. IFS does not accept direct payments so to get out from under this nightmare I refinanced again.
Consumer complaint received 2017-04-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Hilco Receivables LLC (OK)

I financed a dining room table from XXXX XXXX, XXXX in XXXX Oklahoma in XXXX 2015. I discovered the table was damaged shortly after it was delivered and assembled. I called the store and informed the manager of the damages. He offered to trade out the table for a different table in the store. However, there was no other table I was interested in. I asked him to just re order a new table. He informed me the next day that my table is no longer in stock so it cant be replaced. I then informed him to come pick up the table. The next day the table was picked up and I was told the contract I signed was now null and void. A couple of months later I received a collection call regarding payment for the table. I explained that I no longer had the table and I should no longer have an account with XXXX XXXX, XXXX. The representative apologized for the mistake and said he saw in the notes that the table was returned. I was told by the representative of XXXX XXXX, XXXX, that the account would be erased from my credit report within 60 days. Over two years later the account is still on my credit and is in a negative charged off state. The account is inaccurate and incorrect and should not be found anywhere on my credit.
Consumer complaint received 2018-06-29
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. (TX)

I NEVER authorized XXXX XXXX XXXX to pull my credit. I am not sure who but I personally did not. 

I authorized XXXX to pull my report but only 1 time. It was pulled twice. Once on XX/XX/XXXX and again on XX/XX/XXXX.
Consumer complaint received 2018-06-29
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: Experian Information Solutions Inc. (IN)

My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXX and XX/XX/XXXX. During this time a fraudulent lease was opened in my name with XXXX XXXX and is being negatively reported by XXXX XXXX XXXX. XXXX XXXX XXXX and Experian are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have XXXX XXXX XXXX remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint. A notice will also be sent to XXXX XXXX XXXX.