davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CA)

During the time that I was paying this credit card, I was working two jobs in college and while all other payments were on time, I somehow genuinely forgot to make a payment to this credit card. I made a payment arrangement once I found out that I did not make the first payment ( XX/XX/XXXX ) and fixed the missed payment with the representative and I was also under the impression that my XX/XX/XXXX payment would be included in this agreement. However, to my surprise I was once again late on another payment for XX/XX/XXXX. Once this happened for a second time I set up automatic payments as these were honest mistakes and I did not want it to happen again. I have a 98 % on-time history and this incident was about 2 years ago now. I spoke with the representatives around the time and they informed me that they were unable to remove the " late '' payment, now after consideration I would greatly appreciate it if I could have both of these removed as I have not missed a payment or been late since this time. Not to mention, I was younger and did not understand the importance of credit at the time. I am now trying to increase my credit score and this would help immensely. Thank you for your time and consideration.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (LA)

XXXX XXXX XXXX is the company, i have paid XXXX dollars on a XXXX dollar loan. 

after 18 years of payments they are trying to foreclose on my home..they will now even talk to me about my load ... .i hve file complaints in XXXX and XXXX the frist company was XXXX/XXXX XXXX XXXX ... for perdatory lending.. my rates was XXXX then in the year XXXX it was handed over to XXXXXXXX XXXX XXXX XXXX. then in XXXX it was handed to XXXX XXXX XXXX 1 i have maid all of my payments but they are trying to forclose on my home ... 
please i need help to keep these people from talking me home. 

i am XXXX yeare old been married for 40 years, my health is not good was told i have XXXXXXXX XXXX ... about three weeks ago.. 
and i am a veteran i do not want to be homeless.. 
XXXX bless,
Consumer complaint received 2018-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

There are several unauthorized transactions from Paypal which include amounts of XXXX and XXXX on XX/XX/XXXX to a XXXX, a third transaction in the amount of XXXX on XX/XX/XXXX to an XXXX XXXX. These were were all reported to Paypal, nothing provided to me showing what these charges are for, Paypal reps were unable to find any information as to what product/service these items are for. A rep I spoke with yesterday was unable to find out what product or service the payment, XXXX, is for. He even stated it is suspicious there is no product listed on transactions. I do not know the person ( s ) whom funds were sent to and did not receive anything from them.
Consumer complaint received 2018-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (FL)

I paid a bill on the XXXX by phone. It was to XXXX. It immediately was deducted from my balance. The next day I transferred XXXX into the account. Then the next day the VA transferred XXXX into my account. Immediately I transferred XXXX into a separate account and had XXXX. I went to the ATM and withdrew XXXX  and the receipt said my AVAILABILE Balance was XXXX.

I then went to XXXX and spent XXXX which left my balance at XXXX.

When I called my bank they claimed my balance was XXXX and I was over drawn by XXXX   XXXX denies any purchase if funds are not available. My bank never approved any of my past XXXX transactions when there were no funds available and I have proof by ever email that states that the transaction was denied by my same bank. They stole the XXXX and claimed it was an XXXX  purchase. The first time I called they said it was the XXXX bill. The 2nd time they claimed it was a purchase I made for XXXX using my pin. The 3rd time I called back they claimed it was the XXXX  purchase but my account did not reflect the XXXX   available balance. They messed up the actual management of my account on a Saturday.XX/XX/2018. There are accounting errors and internal corruption at Navy Federal Credit Union.
Consumer complaint received 2018-04-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (OH)

I took a loan with this company and then had an emergency arise before I could pay them back. I have a lawyer on retainer and am in the process of filing for Chapter XXXX bankruptcy. On XX/XX/XXXX, I  pre-empively emailed them my attorney name, phone number, address and chapter number before they initially contacted me. On XX/XX/XXXX I was contacted by a collector attempting to collect a payment. I informed her that I was filing bankruptcy and she said they tried to contact my attorney but got a voicemail. ( They have to leave a message and the attorney office will contact them. ) Again, I gave her the information including my attorney 's e-mail address. On XX/XX/XXXX, I was contacted again and they still claim they can't get the information. I explained to the collector that they have to leave a message and the attorney handles it from there. Again I provided all information they required. After hanging up with them, I immediately called the number I provided them, and it works fine. On XX/XX/XXXX, I received another call from the collector asking for payment. I again gave them the information. I also informed the collector that this is harassment because they are calling daily and I am cooperating every single time they call. I informed the collector that I would be filing complaints with the appropriate agencies. She apologized and said she was forwarding the information to their legal team again. Now today XX/XX/XXXX, the same collector calls me this morning attempting to collect payment and telling me they can not get ahold of the attorney. I asked her how they expect to reach an attorney on a weekend, and she proceeded to tell me this was from a few days ago. I informed her that I just gave her the information yesterday ( Saturday ) She had nothing to say to this. I again informed her that she is violating FDCPA laws, and that I was filing complaints and sending in a cease and desist letter.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Identity theft fraudulent account stolen identity Account was deleted from Credit report and then keeps being added on back to my credit report 11 XXXX XXXX Amount XXXX Opened XX/XX/2018 The original creditor was deleted from my report and now for some reason a collection company brought this fraudulent account an placed it back onto my credit report I never had an account with XXXX o
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( Equifax, XXXX, XXXX XXXX ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active. 

The account information is as follows : Equifax : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in XX/XX/XXXX/XX/XX/XXXX.  This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( XXXX XXXX ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your XXXX credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc. 

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.
Consumer complaint received 2018-04-01
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. (TX)

I been writing all 3 credit bureaus concerning a few items. The first would be XXXX XXXX that has a fraudulent account that was not opened by myself about 4 or 5 years ago. I called the company and the company told me that the fraudulent account should drop off my reports within 45 days, which it didn't. I disputed this item with all credit bureaus in XX/XX/XXXX and it still hasn't been fixed. I have an open account that is current with XXXX XXXX and am in good standing with but I didn't know about the other account until my reports were pulled when trying to get a home loan. The second item that is inaccurate on my account is missed payments and collection status from the child support agency. The account has been in litigation for years because the child support agency wasn't tracking payments that were going directly to the mother in support of my child through my benefits. About 4 years ago, I received an order deleting all past, present, and future payments. I sent letters to all credit bureaus XX/XX/XXXX to have the information taken off my credit reports. The accounts still show with negative information on it when it shouldn't. Also, I had a fraud alert on my credit reports, some since XX/XX/XXXX in which they still allowed companies to pull my credit. Although most fraudulent activities were prevented, the bureaus still reported all the credit inquiries on my report bringing my credit score down drastically. I couldn't do a police report for the inquiries that wasn't done by me because according to them, nothing was stolen. In order to do a police report on the inquiries, an account would have to be opened by the perpetrator. So I have like 50 credit inquiries in which I wrote to the credit bureaus and specifically stated the inquiries were not requested by myself, nor did I give permission for my reports to be pulled by those companies/people. The credit bureaus are not doing the proper investigations into disputes. If they were, these items would be removed because they are inaccurate.
Consumer complaint received 2018-07-19
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: Garrison Investment Group (FL)

XX/XX/XXXX XXXX XXXX ran my credit without my permission XX/XX/XXXX XXXX XXXX  ran my credit without my permission XX/XX/XXXX XXXX XXXX ran my credit without my permission All three of these are hard inquiries. I've only dealt with foundation finance in XXXX and haven't since then. I need All hard inquiries removed and i need Them blocked from running my credit I'm the future
Consumer complaint received 2018-04-01
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. (NY)

Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any. 
2. FCRA requires notification prior to submitting any negative information. I have not received any such. 

Remove the following : 1. XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).
Consumer complaint received 2018-04-01
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: Experian Information Solutions Inc. (FL)

I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.
Consumer complaint received 2018-04-01
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. (FL)

I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX  failed to do.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (CA)

I have call homebridge consumer service, haven't heard from XXXX XXXX branch manager, they give a number XXXX XXXX XXXX, XXXX XXXX officer refuse a appraisal refund, I feel loan officer Mr XXXX XXXX misrepresented my options by telling me loan was approved, requesting a fee or appraisal which homebridge cashed that declined the loan the loan should have been reviewed and declined before the appraisal was ordered I do not recall signing an intent to proceed disclosure, this is required before an appraisal can be ordered and charged to the consumer "
Consumer complaint received 2018-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

From XX/XX/XXXX - XX/XX/XXXX, Bank of America Merchant Services allow perpetrators to use the theft of my personal identity and credit and the EIN of my entity in a money laundering scheme through merchant services. On XX/XX/XXXX, Bank of America emailed me a copy of a digital signed document, bearing my name and purported digital signature on a merchant services agreement. This is not the agreement I signed. The true and accurate contract is evidenced in emails to/from me and bank of America bearing an original ( non digital signature ) of the true and accurate signed agreement. I did not authorize B of A to use my name, identity and credit for merchant services. 

Over XXXX was stolen from by business that remains unremedied today. My credit score has plummeted over 300 points from collection accounts on my credit, placed in my credit by B of A. I am being harassed by creditors. It is known at this time if the crimes are continuing or exactly how many more fraudulent accounts are in the name of me or my business. Bank of America failed to follow rules, regulations and policies enacted to prevent or report these crimes and once know, allowed the crimes to continue, for over a year Bank of America became aware these crimes were occurring. Bank of America worked with the perpetrators of these crimes to try and cover up their collective crimes. Me and my business, remain liable to the IRS for the stolen money as evidenced in the XXXX 's I received from Bank of America. Bank of America and the criminals remain the only beneficiaries of their heist.
Consumer complaint received 2018-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX in the amount of {$1200.00} in a checking account i was making payments using another checking account number but i kept accidently using the wrong bank and it kept over drafting me these were not my fault on this amount please remove this and remove the charge off from my credit report as i asked several times. i want to escalate this higher if this is not resolved in 15 days if CFPB will not take care of this matter i will gather all my information to my lawyer on XX/XX/2018 On this date i will get a lawyer because of this i lost my most favorite bank i have recommended XXXX XXXX to tremendous amount of people in my business. Remove my Charge off from my credit report and let me continue a relationship with XXXX XXXX XXXX and this problem will never happen again.
Consumer complaint received 2018-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

COMMON WEALTH FINANCIAL needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that COMMON WEALTH FINANCIAL Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Consumer complaint received 2018-04-01
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: Experian Information Solutions Inc. (NY)

I have been disputing a fraudulent account where charges were made on XXXX XXXX XXXXXXXX account for months now. Finally XXXX has removed and deleted this account off my credit report. I disputed this also with experian numerous times and it is still appearing as an adverse account on my experian credit report. I have submitted proof plus the fraud form and the disputed item but experian is still currently reporting it. I am getting to the point where I have been more than enough patient with experian and XXXX in resolving this issue as it is causing me a hardship in obtaining substantial credit with this account on my credit report. I did NOT do these charges and I am at the point of obtaining legal advise in suing experian and XXXX for ruining my creditworthiness as they are not correcting this problem.
Consumer complaint received 2018-04-01
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. (IN)

This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through Transunion credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Directly with the company on XX/XX/XXXX, and on XX/XX/XXXX, along with an affidavit, but I still have yet to get a response of a deletion from the credit reporting agencies.
Consumer complaint received 2018-04-01
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 have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX/XXXX account number XXXX I have requested that they validate the information with XXXX/XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do.