davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (DE)

I have a XXXX XXXX XXXX credit account that was subsequently opened with TD bank, opened to purchase furniture. This card/account offered good terms and 0 % APR for approx 12 months. Unfortunately, after receiving the card, I found out that TD Bank does not offer a way to setup recurring payments, requiring you to log in or mail in your payment to ensure you are able to pay off your account before your promotional terms expire. On top of this, you can not see the promotional terms of your account, the only to get this information is to call into an XXXX # and speak with an agent in a call center which is open only during business hours XXXX. The recurring payment option was able to be overcome by setting up bill-pay payments with my financial institution and I thought everything would be fine. However, after making an additional purchase with XXXX XXXX XXXX the issues compounded and working with TD Bank became even more problematic. When making your payments to TD Bank the only way to dictate how your payments should be allocated is to call into the same XXXX # and speak to an agent in the call center. If you do not do this your payment is applied however the bank wishes, making it impossible to calculate how to pay off your balances within your promotion time period, unless you call in and speak with someone every time you make a payment until the end of your term. It is 2018, and this type of payment allocation and self-service functionality is a disgrace. The only reason I can think for this to be setup this way is to make it as difficult as possible for consumers to pay back their accounts within the promotion period and charge back interest for as many payment plans as possible. I would allege this is a UDAAP violation that could really harm consumers who are not financially savvy.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Case : XXXX Merchant/Amount : XXXX XXXX {$62.00} Subsequent CFPB Case No : XXXX ( answered XX/XX/18 ) XXXX unanswered as of this writing 1. ) Merchant claims they issued a " merchandise credit '' vs. a credit to the original payment method. Merchant is incompetent and confused as the only merchandise credit or gift cards used at the merchant were XXXX presents. 

2. ) Merchant has not adequately explained as of yet as to why they would issue a " merchandise credit '' and not credit the original payment method utilized. 

3. ) By way of this complaint, I will continue to exercise my rights under the credit card billing dispute guidelines. Specifically, " Your Rights if You Are Dissatisfied With Your Credit Card Purchases ''. I've already attempted to correct the problem in good faith with the merchant. Further, under this right, all of the following are true : - The purchase as made in my home state or within 100 miles of my current mailing address, and the purchase price was over {$50.00}. 
- I must have used the credit card for the purchase. 
- I have not yet fully paid for the purchase. 

4. ) Lastly, the merchant failed to mention that the " bill to '' and " ship to '' address were different on the original order. Additionally, the merchant disclosure included XXXX tracking information showing delivery to the " ship to '' address, not the billing address.
Consumer complaint received 2018-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (PA)

I submitted a complaint 15 days ago received a response which i will attach the documentation to this complaint as well. Docs that were sent were vague copies to 2 bills no signed documentation and no complete accounting of debt as requested in my previous letters. 

I have not used the original creditor or services while living on XXXX XXXX in XXXX. I used a different service provider which was XXXX. I currently have XXXX service at my XXXX XXXX address in XXXX. XXXX has never stated that I had an account with them in the past that was charged off nor was I asked to provide a payment other than my monthly payments. 

Please help resolve this issue. This account does not belong to me!
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX XXXX and Transunion is charging {$5.00} every time I want to lift a freeze temporarily on my Transunion Credit report. XXXX and XXXX don't seem to do this. 
Given the breach of these reporting agencies this should not be allowed in my opinion. 
Thanks,
Consumer complaint received 2018-03-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Systems,Inc. (GA)

I dont know the debt they are speaking about and it has been disputed numerous times on my credit report they continue to use scare tactics and now have started calling my employer from what I can see the debt is over 7 years old and they cant and wont provide any information. I am currently working with a company to resolve these types of issues and now they have started to contact my employer.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Coastal Credit, LLC (OH)

I had a car loan with Costal Credit LLC, I was hit by a XXXX XXXX XX/XX/XXXX. XXXX XXXX paid my loan off to Costal Credit LLC and my Gap insurance paid the difference between the loan. I have been trying since XX/XX/XXXX to get Costal Credit LLC to update my account as paid and they have refused to. 

I paid off my balance with XXXX XXXX credit card in XX/XX/XXXX, for the remaining amount of XXXX XXXX The accounts total balance was XXXX XXXX PAID IN FULL. As of XX/XX/XXXX they have reported that my account is unpaid and in collections.
Consumer complaint received 2018-03-14
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. (LA)

Im writing this complaint out of complete frustration. I recently obtained a copy of my TransUnion credit report and I noticed some unauthorized hard inquiries on my report. I immediately reached out to TransUnion and told them that I had some inquires that werent me and I would like them removed due to fraudulent activity. TransUnion refused to help me remove them and told me there was nothing I could do. Im soo upset cause this is hurting my credit and someone unauthorized, used my info. The fraudulent inquiries are listed below : XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2018-03-14
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: TD BANK US HOLDING COMPANY (MD)

Nordstrom agreed to remove their account from my Credit Bureau reports. I discuss my account with Nordstrom several times in XX/XX/XXXX -XX/XX/XXXX because of major discrepancies with my account.
Consumer complaint received 2018-03-14
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. (TX)

I noticed I had late payments on my XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.
Consumer complaint received 2018-03-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (VA)

For the past year, I have been applying for a military deferment due to my XXXX XXXX status. Navient has consistently said that I am not serving in a war, emergency or contingency operation and that how I serve does not quality. It particularly impacts XXXX who volunteer for XXXX XXXX. It seems arbitrary and a means to not give military deferments to those of us in uniform.
Consumer complaint received 2018-03-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Ditech Financial LLC (OH)

On XX/XX/XXXX I submitted my application for a loan modification to Ditech. I was told that within 30 days I would receive a response from Ditech with a decision by mail. I waited and waited. I called Ditech each week and spoke frequently to XXXX XXXX in the loss mitigation department. He assured me that my file was complete and the underwriters were still reviewing my application. I had waited 102 days to receive an answer from Ditech on my loan modification application. I grew increasingly frustrated and my local bank recommended that I file a complaint against Ditech. It wasnt until I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, that I heard from Ditech regarding my loan modification application decision. They sent me XXXX letters that were date marked on the letters XX/XX/XXXX but ironically not received by me via United States Postal Service until XX/XX/XXXX. In the letters ( both marked with the same date ) the first indicated that my file for loan modification was indeed complete and to expect a decision within 30 days. In the second letter, it indicated that I was not eligible for a loan modification. 

I strongly feel that my denial of a loan modification was the result of retaliation after I filed my complaint with the Consumer Financial Protection Bureau. Furthermore, my reason for requesting a loan modification was due to divorce between my husband and I. I have negotiated a settlement with him that will allow me to keep the home and resume making on-time mortgage payments in the previous amount owed each month. I am requesting that Ditech add the outstanding payments to the end of my loan or spread the amount overdue over the course of several months to allow me to become current again. Finally, the value of my home as established by Ditech ( AVM ) was found to be {$220000.00} when in fact, I have an appraisal for {$350000.00}. This creates nearly {$120000.00} in equity that can be used to help me re-establish my loan through Ditech rather than pursue foreclosure, short sale, or deed in lieu of foreclosure. 

It is my intention to keep my home and I am willing to do anything to make that happen. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2018-03-14
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: Commonwealth Financial Systems, Inc. (OH)

I have tried several times to get accuracy of this account to show that it belong to me. The original creditor has failed to do so. With my right of Fair Credit Reporting Act, to my knowledge, You are required to notify me within five 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Between XX/XX/XXXX and XX/XX/XXXX this file was re-inserted on my report. This company is causing financial distress as it making it hard for me to obtain creditworthiness.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

My Student Loan is now current, however its still says delinquent and its affecting my credit score. My wife and I have been saving to buy our first home and my score is reflecting the delinquents. Please make it current so that I can move forward with providing a home for my family.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I had a disputed ( false ) charge of {$92.00} on XX/XX/17, which was properly removed that month. I closed my account at the end ofXX/XX/2017- or early XX/XX/2017. 
I received another letter on the closed account dated XX/XX/2017 confirming I wasn't responsible for that charge. 

However I later learned they posted a new charge of {$92.00} on XX/XX/17 on the dead account without my knowledge. 

In XX/XX/2017 I discovered they reneged on the removal of this charge. I filed a dispute on the Chase website where they stated I'd get a written notice of conclusion. 

I called on XX/XX/17 advising I had a XXXX balance closed account for several months and never charged anything new. I advised I do not owe late fees or the amount they allege and they can not treat this like a fresh account. 

The company refuses to offer an accountable person who is competent enough to completely resolve the dispute. Instead, they are filing negative credit reports as if it's an active revolving credit account. There appears to be no way to resolve this.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company hasn't even attempt to resolve issues. They just repeated what was said in the last statement, they have not reached out to the company they have sold my information to yet. My Imformation was falsely used in the attempt to gain credit! I have a Police Report documenting this, the credit bureaus have not even obtain any proof that they had the right to pull my for this company. Credit bureaus only state that these inquiries will be on my credit profile for 2 years. The problem is they shouldn't be on my credit report period. I shouldn't be at fault for the credit bureaus mistakes. 
I understand that my information was sold by the credit bureaus to this company and they do not want to loss money. But I shouldn't be at fault for the mistake or fraudulent use of my information to obtain credit in my name. 
I request removal of these inquiries ... This is my Fourthattempt to resolve this with credit bureaus and company. This is the 3 time using your CFPB process to resolve these issues and all your company CFPB does is after company make no attempt to resolve CFPB closes case as if it was resolved. 
Well your company handle this, are must I contact some one else to aide in these issues of fraudulent use of my information.
Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My wife and I had a debt from 2011 which we do not dispute. It didn't show up on our credit report when we were paying off all of our debt to improve our credit score. We submitted an offer on a new house and it was accepted. The title company states there is a debt owing to Bank of America, which we need to resolve in the closing of our new house. The title company sent a request for payoff, and was denied. They were instructed to send a fax in order to appeal the decision. So to be clear, we are trying to satisfy the debt and have been denied. We need to appeal their decision in order to move forward on our home loan. I personally called Bank of America in order to resolve the issue and was told it was being reviewed by legal and that " they do not have a phone number for me to contact them and ask why we can't pay the debt ''. This appears to be very dishonest and, quite frankly, shady business practice. If the home loan falls apart due to Bank of America not allowing us to pay our debt, I will be very upset. My opinion is that the debt has been discharged, and Bank of America legal team is trying to find a way to re-instate the loan. If they don't have a phone number for me to reach out to them, how am I supposed to figure out what is going on in the process? They just keep telling everyone, " It is being reviewed by our legal team ''. This is unacceptable behavior!
Consumer complaint received 2018-03-14
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. (GA)

TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

Navient is reporting to XXXX that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with Navient numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance.
Consumer complaint received 2018-03-14
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: EQUIFAX, INC. (AL)

Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per Equifax, This item XXXX, U.S. Bankruptcy Court, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per XXXX, and This item XXXX, U.S. Bankruptcy Court, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my XXXX report as being filed on XX/XX/XXXX, on my Equifax report as being filed on XX/XX/XXXX and on my XXXX  report as being filed onXX/XX/XXXX. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.
Consumer complaint received 2018-03-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (KY)

I entered in loan modification program XX/XX/XXXX. I was only 9 months behind in mortgage. I am currently selling my home. the Partial Claim amount is {$66000.00} due by XX/XX/XXXX. If I am paying off the loan at the end of this month why does the amount remain the same? I've only been in the modification for XXXX this XXXX.
Consumer complaint received 2018-03-14
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: EQUIFAX, INC. (AR)

XXXX XXXX, Equifax, and XXXX keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XX/XX/XXXX 3x {$20.00} charges made on a card we do not physically have and thought we had closed. we had not used the card in over 2 years. XXXX was at work and I was out of town when these charges were made to XXXX, so neither of us had access to a computer and know nothing about this website. We would not have use for online gaming purchases since we do not game online. We disputed the charges on XX/XX/XXXX by calling, filling out a fraud report. We do not have the physical cards or an online banking with Capital One. They closed our account. I called XXXX, our " investigator '' at XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and left messages since he has not bothered to call us back. We have sent a written response 3X, 27+ pages, and have not received any acknowledgment of these 3 written letters. XX/XX/XXXX we received a letter stating we were responsible for the charges, {$20.00}, {$20.00}, {$20.00}, {$25.00} late fee and {$1.00} interest. Capital One re-opened XXXX 's account with a NEW number and have not sent the physical cards. We were not aware that Capital One can open a credit card THAT WE DO NOT WANT. This was done on the XX/XX/XXXX - XX/XX/XXXX statement. We have called, closed the account once, disputed the charges and sent documentation to back up our claims, and requested statements on the account from XXXX - XXXX that we do not have records for. We do not have the physical cards, were not using this account we had thought was closed and have no online banking with Capital One. They have REOPENED a credit card without our permission. Is this even legal? They will not respond to our attempts to contact them. HELP!