davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NC)

In  XXXX , I opened a checking and savings account with  TD Ba nk in  XXXX ,  In   XXXX   XXXX  I moved to  XXXX   XXXX ,  NC  in which th e TD  Bank in  XXXX   XXXX , NC became my primary bank. I had no interactions with the  TD  Bank in  XXXX , NC over  XXXX  miles away.     My original checking number with TD bank was,  XXXX , this account is now closed pursuant to my request throug h TD Ba nks fraud and/or loss prevention department. The account was closed in the later part of  XXXX   XXXX .     It was necessary to close my account, since I had lost my checkbook and debit card coming home from the hospital where I had been admitted. It is assumed that I accidently left my checkbook in the  XXXX  vehicle that transported me home from the hospital. My debit card was inside my checkbook.     During the conversation wit h TD Bank security fraud dep artment it was advised by the bank that my account remain in no debit status until my social security direct deposit posted to my old account. TD Bank had established a new account.     During this conversation, I was advised b y TD  Bank that no prior authorized ACH debts would be processed, included  XXXX  a prior bi-weekly authorized I had authorized on my old account.  XXXX  was notified that I no longer authorized any ACHs due to the security issue with my account.     Nevertheless, TD Bank without my consent, knowledge ( until after the fact ) or authorize transferred to ACH debits from  XXXX  to my new account. Those unauthorized debts where is the amount of {$31.00} and  XXXX  transactions made they unlawfully debited from my new account on  XXXX   XXXX ,  XXXX .     After becoming informed of these unauthorized ACH debits I filed the appropriate disputes.  XXXX  Bank failed to process my request in accordance to banking regulations. Thus, it became necessary for me to refile my ACH disputes, ( see attached documents ).     Then on  XXXX   XXXX ,  XXXX , TD Bank denied my ACH disputes for the second time. Whereby on  XXXX   XXXX ,  XXXX  or thereabouts I contacted TD Bank as they requested in their letter and I requested the transaction information and copies of any documents they used in the decision.     As of  XXXX   XXXX ,  XXXX , TD Bank refuses to provide me the transaction and copies of any documents they used in their decision.
Consumer complaint received 2017-04-26
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. (NY)

I monitor my credit burea u FICO scores thru my credit card companies. My FICO score for the last year has been in the vicinity of   XXXX  XXXX , last month it finally raised to  XXXX  this increase coincides with an increase at  XXXX  of the other credit bureaus. Today I received notice from my credit card company of a change in my  FICO score with Trans Union and viewed it. My FICO sc ore dropped  XXXX  points to  XXXX  from  XXXX  I contacted  Trans Union and  spoke to a representative named  XXXX  employee #  XXXX . After speaking to her it was determined that there was no negative changes or other changes from last months report or any changes for the last several months I wanted to know why the drastic drop. She sited a delinquency from  XXXX    XXXX   that will stay on my report for 7 years. I explained that that has been on my report for over 2 years now and the effect over time diminishes with no other changes on the report and should put me in a more positive position regarding my FICO score. After no reasonable explanation of the drastic change I requested who I can contact to make a complaint regarding the poor reporting and poor customer service. It is my understanding and belief that th e FICO score cur rently reported to myself is incorrect and improper and should be corrected to the higher amount.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My wife and I are attempting to go through a Short Sale w ith Select Portfolio Servicing , In  c.  and  XXXX   XXXX   XXXX  ,  XXXX  since  XXXX  of   XXXX  . We are being represented  by   XXXX   XXXX   XXXX  to help us navigate this process. Unfortunatel y, SPS , Inc. has b een extremely difficult to work with and we fear that our mortgage companies have reached an impasse concerning compensation towards  XXXX . We are trying our hardest to comply, but we are now desperate for outside assistance to look into our situation. Since  XXXX , SPS has repeatedly denied our application for a Short Sale by stating that various fees either need to be added or removed from t he HUD-1 disclosure, and they have also stated that the asking price for the home is too low, even though multiple BPOs hav e come back with the exact value that was listed.      We have repeatedly shown good faith and patience by trying to adhere to SPSs requests, but to no avail. They consistently come back with a different request nearly every 1-2 weeks. The latest request was to reduce the amount that the second mortgage (  XXXX  ) would receive. In the HUD-1 it listed that   XXXX   would receive {$12000.00} in compensation for the short sale. This has been in the paperwork since the beginning and SLS has agreed to all versions of the Short Sale application submitted until the   most recent on approximately  XXXX  when SPS required that the amount be reduced from {$12000.00} to {$6000.00}. We find this and other requests to be unreasonable because we feel that SPS should have notified us of all issues with the application for assistance all at one time rather than repeatedly  requesting the terms of the HUD-1 be c hanged for differing reasons at every turn.     Due to the reasons listed above, we believe that SPS is purposely trying to find reasons to deny the Short Sale, thus they are not following the governments guidelines for lenders to provide foreclosure alternatives to homeowners. Please help us to rectify this situation so that both mortgage companies can come to a viable solution that will allow us to sell the home.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I have been paying the interest  on my loans for three and a half years now. Navient has changed its website several times. The first time they changed it, I had to click on Tools and Requests in the new Navient website and then click on Go to previous website to pay my interest on my loans. In attachment # 1, you can see all of the  loan information, how they represented it, and the interest I paid on each loan. The loans go from  XXXX  to  XXXX  in the first attachment. This is what it look like for the past three and a half years. They recently changed their website again this month of  XXXX   XXXX . This new format is se en in attachment # 2. Now in attachment # 2, notice you can see four extra loans at the top of the page which are not in attachment # 1 and have not been for the last three and a half years that I have been paying interest on these loans. These extra loans that appeared out of nowhere for the first time in three an d a half years are as follows : 1-01-Stafford-Subsidized,  XXXX  Stafford-Subsidized,  XXXX   Stafford Unsubsidized , and  XXXX   Direct Loan-Subsidized . I know this is not suppose to be there, because in attachment #  XXXX  it shows loan number  XXXX   Stafford Unsubsidized  with an interest that has accrued in the amount of {$370.00}. None of my other loans show accrued interest, because I have been paying on them every  two  weeks which is proven in attachment #  XXXX . This loan (  XXXX   Stafford Unsubsized  ) has apparently been buried in their system somewhere for the last three and a half years, because a Navient representative (  XXXX  ) told me I got that particular loan in  XXXX  when I went to  XXXX  University. I started going to  XXXX  in  XXXX  of  XXXX . My compliant is that  Navient  has misrepresented my loan information, so now I have accrued interest of {$370.00} on loan number  XXXX   Stafford Unsubsidized,   because they left this loan out my sight or off of their records and website for the last three and a half years. I understand that I have to pay the accrued interest, but they have misrepresented my loan information for the last three and a half years on their website. I called them on  XXXX   XXXX ,  XXXX  and they acted like they just did not care. They could not explain what had happened, admit it, or even why it happened.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

We have submitted a Complete Loan Modification Packet but the lender is refusing to review because of the sale date.     Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regula tion X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).      QWR was sent on  XXXX  -2017 with  no response.
Consumer complaint received 2017-04-26
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: Experian Information Solutions Inc. (TX)

I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$7700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-10-02
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: Bread Financial Holdings, Inc. (FL)

I reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

For years now I receive excessive calls throughout the day from Portfolio Recovery. I have told them constantly i did not open this card and my social security number had to have been compromised, I am fed up, I am getting calls 2-3 times a week. Now I am taking action, if this account isnt removed from my credit reports, I Ill formally be filing a lawsuit, I will ask the court to summon the telephone records that would show the amount of times I have been harassed by this company!! I will also request that Portfolio Recovery incur all my court costs. I am not the only on who this happens and i am not the only one fed up, I will gladly start a class action lawsuit for failure to abide by the guidelines set forth in the first lawsuit!!!
Consumer complaint received 2017-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

on   XXXX   XXXX   i called  XXXX  3 times, was hung up on twice, the last person named  XXXX  took my complaint and he said that for inquiring on   XXXX   XXXX   XXXX   this will add another 10 years which will not remove til   XXXX   XXXX   This is a fake. this account has been inactive since  XX/XX/XXXX  this is now  XX/XX/XXXX , i then called Capital One and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a truck driver, i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago. Capital One is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -  XX/XX/XXXX  took the help of the  XXXX  because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on   XXXX    form:
 XXXX  report

  XXXX   XXXX   
  XXXX   XXXX  

  XXXX   XXXX
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

On XXXX XXXX 2017 around XXXX to XXXX I visited the ATM machine at Chase Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX. I deposited cash into the machine in three separate stacks because I knew the machine could n't handle so many bills at one time. The first stack was counted and then the second stack of bills was counted. When I hit add more cash for the third stack of bills and I inserted the remaining bills I had which were all in the form of {$1.00} the machine continued to count for a few minutes before it completely stopped with an error message and printed out a receipt saying to call the XXXX number. I called the number and informed them I inserted between $ XXXX in the machine and they asked me about certain codes located on the receipt. Chase gave me a temporary credit and told me they would investigate. On XXXX XXXX 2017 I received an email stating : " We 've thoroughly researched your dispute and wanted to thank you for providing your information. We decided the account transactions you reported on XXXX/2017 were correct. We will reverse the temporary credit of {$400.00} on XXXX/2017. '' This email did not make sense to me so I figured I 'd just wait it out and see what happens. On XXXX XXXX 2017 the credit was reversed and the {$400.00} was taken from my account. I called Chase and spoke to customer claims and they stated that the machine was opened twice and there was no extra cash in the machine and there was nothing that Chase could do to help me. I stated that the ATM has camera 's that can see me making a deposit and the Rep. said they can only prove that I was there but not prove I was making a deposit. When asked who opens the ATM 's to inspect the extra cash the representative stated that the branch manager as well as the techs inspect the inside of the machine. I immediately called the branch manager who said that was false information. I am very upset as this is complete fraud. I am a XXXX year old XXXX XXXX who works 50+ hours XXXX XXXXXXXX XXXX XXXX in order to make ends meet. I never thought I would be a victim to a bank. There 's no other way to prove what happened other than the ATM camera 's and the codes I gave the claims representative on the night of the incident.
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc. (TX)

XX/2015 -    XXXX   XXXX    { $290.00} written off and {$240.00} past due. The following agency is not bonded in Tx and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (PA)

I opened  XXXX  accounts and at the time the teller and bank manager agreed that opening  XXXX  accounts was a good idea to protect my funds in  XXXX  account while using the other for online purchases. This proved to be a lie and fraud. I have addressed this numerous times through cfpb b ut BB & T re fuses to address my complaints of fraud. Since the last complaint the account in question has bee closed and charged off to collection without addressing my complaint. I demand an answer to  : 1 ) Why did BB & T  lie to me telling me my money was safe and untouchable in  XXXX  account while supposedly having me sign something to the contrary.    2 ) BB & T re fused more time than I can keep track off to provide me with a SIGNED document that I was aware  of BB & T po licy that allowed them to take money from  XXXX  account to offset the other. All  BB & T did  was provide unsigned rules and policy that I addressed in the past b ut BB & T ign ored.
Consumer complaint received 2017-04-26
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. (MD)

I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND MY ADDRESS PRIOR WAS XXXX XXXX XXXX, XXXX, XXXX, XXXX. I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED XXXX, TRANSUNION & XXXX AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO XXXX XXXX, TRANSUNION XXXXTHREE TIMES ALREADY. I UPLOADED REPORT TO XXXX AT XXXX. I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

contacted collection agency advised that I never had an account and the didnt do anything. also disputed with  XXXX  with no results. this account is not mine. asked for validation that I opened the account.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

Care Credit is a type of medical credit card, I believe Syncrony bank backs it ( their site says they are in FL ). I have had the card sin ce 2014. Part o f what Care Credit offers is deferred interest for a period of time, i.e. deferred interest on your medical procedure cost for 6 months, or a year, etc. As long as you pay off the balance prior to the promotion 's exp. date you pay no interest.  Since 2014 I h ave always paid off the balance before the exp date. I just realized though that they have been charging me interest each month for over 2 years. I called and they said its because back i n 2014 I h ad a late fee. And despite my account being on auto draft ( i.e. THEY are taking my payment each month themselves and applyi ng it ) th ey have not applied a dime to the late fee or to any interest ( so that they could continue gouging me of course ). So they 've been charging me interest on the late fee from 2 years ago. Which I did n't  know one cou ld do that, but anyway I said OK I 'll just pay the late fee - however they now claim that the interest kept going, and that they will continue to charge me interest each month, ON THE INTEREST that had previously accumulated on that ( now paid ) late fee in the past! My attorney suggested that I start by reporting this to the FTC / A.G. 's office - I have submitted this to the FL Attorney General 's office as well.