davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-02
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: TD BANK US HOLDING COMPANY (FL)

XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is an identity theft victim. Someone used her information to submit applications to several creditors in an attempt to open credit accounts without her consent. Each agency was notified at the time of the submission on the application and advised the application was fraudulent and done without the consent of  XXXX   XXXX . She was told at that time the applications were being terminated and the inquiry generated was being removed from her credit reports. In two cases formal disputes of the inquiries were sent certified mail with return receipt to the creditors in an effort to have the inquiries removed however those efforts have failed ; all of these actions are a violation of the FCRA.
Consumer complaint received 2024-10-08
Product: Credit reporting 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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-06-02
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. (FL)

I have disputed several accounts with the  XXXX  credit reporting bureaus Experian,   XXXX   and  XXXX  the credit accounts opened well over 7 years ago and most have a  XXXX  balance. Also it 's been  two  years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank to creditor of my Amazon Prime Store card reduced my credit limit for not specific reason. I called to inquire about an exact reason relating to this account. I was meat with a lot of opposition by a person by the name of XXXX who claimed she was the person authorized to make a determination on this issue and refused to escalate my call when I ask her to. She did not provide any specific reason for this change in credit limit ( XXXX credit limit to XXXX credit limit ). The account has never been delinquent nor maxed out. XXXX XXXX lead me to believe had the authority to restore my credit limit, but did nothing but re state what state in a letter notifying me of the change in credit. This card and all the other credit cards are current and in good standing. The same credit issues on my account were there when they approved this account. This affects my credit rating, Synchrony did not have a reason for doing this. I see the left enough on the line so that they could automatically recharge my account for the Amazon Prime annual fee.
Consumer complaint received 2017-07-13
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. (NC)

It shows that I have a few debts on my credit that does n't belong to me. One is XXXX XXXX XXXX and the other is XXXX XXXX. There 's a bunch of hard inquiries that do n't belong to me either from banks and retail cards. I dont have any retail cards. I only have 1 credit card and that is with XXXX XXXX. The one credit card account I have is n't showing on my credit either.
Consumer complaint received 2017-06-02
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. (CA)

In spring 2013, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other XXXX accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX, I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (CA)

I received a call from XXXX XXXX. The XXXX XXXX. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a Discover Card. I told her I did not have a Discover Card. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

I purchased a new vehicle from XXXX XXXX XXXX of XXXX XXXX on X/XX/2017. The morning I went into the dealership, I had talked with the sales manager XXXX XXXX and asked that they have the financing paperwork ready ahead of time as I had limited time Saturday morning and was just coming in to sign paperwork and begin the loan process. Nothing was ready except for the car. The sales manager ushered me into the Finance Mgr 's office and he began the process asking me to sign on an electronic pad connected to his computer, all the while not letting me see what I was signing nor read any of the documents. When I left the dealership, the Finance Mgr XXXX XXXX, comes running out to the car with a copy of all the paperwork sealed up in an envelope. When I got home and had a chance to take my time and parce through it, they had added on every insurance, every extended warranty, every life insurance, gap protection, you name it! to the tune of an additional {$7000.00} or so! I immediately notified Toyota Motor Credit Corp, the Sales Mgr, the Finance Mgr, the general manager but not one person has contacted me except the Sales Mgr who sent me an email stating they do n't redo paperwork. I am not an attorney but this seems to fly in the face if Truth-In-Lending laws! You must be able to read what you are agreeing to before you sign it.
Consumer complaint received 2017-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

1. I  have had this problem several times in the past. Today,  XXXX / XXXX / 17  I received an email I had a message fro m Fedloan. I logged into my Fedloan account to see what the message is and see that my accounts are now in Administrative Forbearance. I did not ask for any Forbearance and I am furious I am in a Forbearance. Fedloan did this to me 60 days ago and it took 8 calls to get the forbearance removed. I am on an  IBR and do not need a Forbearance or a Deferment at any time.      2. Fedloan removed my employment history applied towards the FSLP to add a Forbearance in   XXXX   2017 . This was wrong! I NEVER asked for the Forbearance that was added and removed back in  XXXX , aft er 8 phone c alls. When this Forbearance was removed, they never added back my months towards the FSLP. I resent in the proof of employment forms hoping the months would be added back, but instead got another forbearance!!     Please audi t Fedloan. T hey are making big mistakes on accounts and not fixing it.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called Bank of America regarding a return item fee on my account. I explained that the cutoff on the ATM machines state the business day is over at XXXX XXXX local time and I thought that was across the board but the app has different information and list it as XXXX XXXX ET. I spoke to XXXX # XXXX, a supervisor who basically informed me that is was my error and it was just MY account that was not eligible for courtesy waiver even though my account has never had the issue before. I asked per policy and procedure shouldnt all accounts be treated the same? She said yes per fed regulations they had to but MY account was not getting a courtesy waiver. She basically said depending on the account, Bank of America can or can not make the decision to waive the fee. I have had a similar issue with Bank of America in the past. What criteria do they use to determine when fee waivers occur if the customer is at fault? What makes my call to BOA for courtesy waiver different than another customer who calls in and misses the deposit cutoff time and request a waiver? I would like that information from BOA as well as the {$35.00} fee waived if it can not be provided, because all customers are not being treated equal. What is the basis of the unequal treatment is it gender, race, religion, geographic location? I would understand if there was a policy in place and no one received it, but to just say no when I have never asked or had this issue before is ridiculous without a reasonable explanation when it is something that is offered to some customers. They need to provide data showing the race/gender of customers that are offered fee waivers. Would that data be skewed? Does it favor particular groups?
Consumer complaint received 2017-06-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

Payments come out every Thursday last one was dated   XXXX   XXXX   XXXX     My family is struggling real hard Wife has n't had a job for awhile we have  XXXX  kids and by the time loans come out no money is left for Food after paying bills and according to Depart ment of Children and Fam ilies I make too much for help.
Consumer complaint received 2017-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services ()

I currently have a hold on my account due to overdue payment with th e ACS for m y loan. I am trying to make a payment to the account ; however, I am unable to register for my account becaus e ACS we bsite states that it does not recognize my social security number.     Since my account could not be registered, I am still unable to view the amount that I have to pay and pay for it. I have been contacting ACS, yet I am unable to get a hold of them.     I urgently need to get rid of the hold on my account because I need to order my official transcripts to register for my   XXXX    XXXX  degree and my job.     yet, it seems like I wo n't be able to have my   XXXX   XXXX   and job due to this problem.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I paid {$30.00} ( ACH payment ) to Citi  Double Cash  on  XX/XX/2017    over the phone using my checking account number and routing number and I received a confirmation number  XXXX . On  XX/XX/2017    I checked my account and no amount had been paid to Citi Bank. When I called  Citi  Bank they told it takes at least  one to three  business days to process! So I waited until  XX/XX/2017    and still nothing had been posted. I called  Citi  Bank and they told me they are still processing it. This morning of  XX/XX/2017    I received an email from  Citi  Bank that my ACH payment was declined by my Bank. I called Citi Bank but the lady I talked too was so rude and told me she can not even listen to me because I do n't understand english let alone banking procedures and hanged up. I called my bank to find out if they declined to pay  Citi  Bank. The lady told she does not see any record of it that Citi Bank presented an ACH. She advised me to call them again. I called them again and I asked them why my payments has not been accepted and why they are charging me {$25.00}. This time I asked to talk to a superviser but when connected the superviser hanged up on me. I called again and this I asked the lady to have a conference call with my bank so she can tell them that they declined the payment. Once connected my bank verified all the information which they had was correct but told them Citi Bank never presented anything to them and that the ACH would have gone through if they did. At this point the lady contacted her supevisor but the Citi Bank supervisor did not want to talk to us! She tried three times because I wanted to make sure I set the record straight. When she came on the Iine I knew she was the one who hanged up on me. I confronted her that she hanged on me. She however told my bank that the rounting and account number is not going through and that they have a problem with ACH payments. With that she said they can not even waive {$25.00} fee they had accessed on my credit account. We kept on arguing about this for a while until she said they will accept a debit card payment but they will not give a credit of the accessed fee. The debit credit went through but I am still payment Citi Bank {$25.00} in fees. I just do n't understand why. I need  Citi  Bank not charge me for their fault system which was not able to process the ACH payment.
Consumer complaint received 2017-05-25
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: FIRST HORIZON BANK (OR)

I have aske d First Ten nessee to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XXXX   XXXX ,  XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information. First Tennessee has reported the charge off on my credit report for the past 73 months. A charge off is a one time IRS write off on a worthless debt. Reporting the charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XXXX   XXXX ,  XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment for two years because of the way First Tennessee has reported this account. I was turned down for a mortgage in  XXXX  of this year, not because of the charge off, ( after all it i s 6   years old  ) but because First Tennessee has reported it every month making it look like a new charge off. First Tennessee bank has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.
Consumer complaint received 2017-06-01
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. (NC)

I have disputed the following accounts due to fraud, I have sent in countless pages of documentation proving this claim. The fraudulent accounts have been removed from both TransUnion and   XXXX   for fraud but are still showing on  XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX  : {$950.00}   XXXX   Balance : {$260.00}  XXXX   XXXX   XXXX  Balance : {$3200.00} I would like these removed immediately as they have been confirmed by other agencies to be fraudulent. You are reporting false information! The other agencies should have shared this information. My next step is to send a letter of intent to sue. Thank you.
Consumer complaint received 2017-06-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (CA)

On  XXXX   XXXX ,   XXXX  , Midwest Recovery System s, LLC repor ted to  XXXX  and   XXXX   that  XXXX  accounts ( {$1800.00} and {$350.00} ) were assigned to them for collection. I do not know what these debts are for and the  XXXX  accounts they claim are " open '' do not have an account number. They appear to be for payday loans, which I have NEVER taken out. I do not owe this debt either to the original creditor or Midwest Recovery Systems.  Midwest Recovery never c ontacted me either via telephone or mail prior to reporting these unidentified accounts to the credit bureaus. I am demanding that they remove these accounts from my credit history as they will have a negative impact on my credit rating.
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (CA)

I am reporting this len der ( American Credit Acceptance LLC ) for Usury, concea lment of documentation, and Deceptive/Fraudulent Lending Practices. On or about  XX/XX/XXXX  I purchased a car at the  XXXX   XXXX   XXXX . The lender wa s American Credit Acceptance LLC. T he interest rate on the loan was 28 %, however the dealership explained to me that I could always make a payment to Principal only in order to pay the loan down faster. In the following days I spoke with  American Credit Acceptance direc tly and asked them about the terms of the loan and also if payments could be made to Principal only. They confirmed to me over the phone that Principal only payments were accepted. From this point I have always paid the car note on time using their online payment system ( which charges an abusive and additional  XXXX  dollars per month to use ). On  XX/XX/XXXX  I calle d American Credit Acceptance to  ask again if I could send a payment to Principal only and was informed I could. I then mailed them a {$7000.00} cashiers check from my credit union with the words " Principle only '' plainly written on the check. The payment posted to my account on  XX/XX/XXXX , but to my dismay they took interest from the payment. I immediately called the Lender to voice my concern but was told sternly that no matter what they had told me before, they would not adjust the payment because they do not accept Principal only payments. That same day I received a return call from the lender acknowledging that they had previously told me that the accepted Principal only payments, however regardless of their previous statements, they no longer accept them. Upset, I contacted the  Dept. of Consumer Affairs who then referred me to the State Dept. of Business Oversight. The DBO ex plained to me that this lenders license, number  XXXX , was revoked in the State of California on  XX/XX/XXXX   ( n early 1 year before I signed the loan contract ). For these reasons I contend that this is a fraudulent loan established on deceptive terms at an interest rate that amounts to usury in t he State of  California. I have been diligent to keep up with these abusive payments and my credit worthiness is at stake. I believe this company is deliberately making the repayment of this loan through excessive fees and a loan shark interest rate oppressive to myself, a vulnerable borrower. I am concerned that this unlicensed lender may have many other victims in the state of California.