davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
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 sent XXXX XXXX XXXX a letter XX/XX/XXXX requesting validation of an account listed on my credit report. They signed for this letter XX/XX/XXXX at XXXX XXXX. They never responded to my letter. So on XX/XX/XXXX I sent them another letter that they signed for XX/XX/XXXX at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XX/XX/XXXX stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal XX/XX/XXXX and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today XX/XX/XXXX they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau Experian with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period.
Consumer complaint received 2017-08-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (FL)

Hello my name is XXXX XXXX I have a XXXX XXXX XXXX with American Credit Acceptance .When I first got the Jeep it was XXXX Now they telling me at was XXXX I have been paying on this truck for almost 2 years and the balance is every time I make my payment of the due date which is the XXXX of each month they have it going straight to my interest and not my principal and every time I make a payment weeks early they will have a small portion going towards my principal. I will never be able to pay thiXXXX XXXX XXXX off if they keep on ripping me off. They got sue in the State of Massachusetts and the company have move, so many customer is complaining on them can someone please do something about this matter.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

The following names, addresses and SSN 's are incorrect and should not be associated with my credit report.
Incorrect/Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect/Inaccurate Addresses : XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX CO XXXX  XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  Social Security Numbers that are not mine : XXX-XX-XXXX XXX-XX-XXXX XXX-XX-XXXX
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I received a letter from Fed Loan Servicing stating that they approved my employment certification for the PSLF program, however, the dates are only for 1 year. I have worked at the same XXXX XXXX XXXX organization for 4 years. I have received notification from Fed Loan and the prior servicer in prior years that my employment was certified and accepted since XXXX XXXX, 2013, which is my employment start date. I am attaching the letter. I also received another letter that incorrectly states that my qualifying payments towards PSLF are only for 1 year, despite my 4 years worth of payments. Additionally, when I log into my account, there is nothing on Fed Loan 's website that states I have certified under PSLF and anything record of my qualifying payments. My concern is that I have no proof that I have been certified under the PSLF program for the 4 years I have been working. It is extremely concerning that Fed Loan is failing to provide proof of borrower 's qualifying payments and employment certification because borrowers will need proof of this at the end of their 10 years of working in the public sector and making qualifying payments. I called Fed Loan and expressed my concern. The representative affirmed that her records show my employment certification approval since XXXX XXXX, 2013 in her system. She informed me that Fed Loan issues these letters for the 1 year period for when you send in your employment certification form and that it does not reflect the entire length of time a borrower has been certified for. I explained my concern that I have nothing in writing that states I have 4 years of certification. She agreed to send me a letter stating this. I believe that a borrower should be able to view their employment certification and number of qualifying payments under PSLF when they log into their account online. The lack of disclosure and account information is very concerning for our future loan forgiveness.
Consumer complaint received 2017-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IN)

My mortgage company is charging me {$770.00} for my annual homeowners insurance for escrow purposes when the actual cost is {$720.00} per year. I confirmed the cost with XXXX XXXX and they called Midland Mortgage to provide this info. I asked Midland to change the amount and readjust my payment. My escrow shortage for this year was {$65.00} plus odd cents. I paid {$150.00} but they are still charging me extra for non payment of the shortage. I requested a response to these inquiries in writing but have received no response to date.
Consumer complaint received 2017-08-10
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. (CA)

Supposedly I owe the amount of {$310.00} dollars to collection agency XXXX XXXX XXXX XXXX. At around the time in question I was still out of it, and was on some XXXX medications from my XXXX  XXXX. I had XXXX XXXX XXXX, and am still XXXX from my XXXX XXXX. I would love to see the paperwork or some kind of proof that it 's mine, I could n't even have signed anything.
Consumer complaint received 2016-11-08
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NV)

Its a small amount but it 's affecting me big.In the past I did n't understand the importance of having a bank account which lead me to get into debt. i learned and Wellsfargo gave me a second chance account a strict account with very few capabilities ie, no ATM deposit, no daily withdrawal limit at {$200.00}, ECT. Over time slowly gained more capabilities 3yrs not onevOver draft then out of the blue I have an overdraft of {$350.00} dollars. And I had overdraft protection on my account I can track spending step by step but the bank is telling me that funds were n't there or I spent funds before they got deposited impossible and if I 'm paying a monthly service fee of {$10.00} how was transactios approved then they tried to tell me I never had but that was one of the stipulations of having a opportunity account then they said it got taken away when I became eligible for standard checking and savings account never notified bout this deletion of service.do now I do n't have an account and I owe the bank for money that I actually had in the bank. 
I do n't have bank statement or access to obtain online but it was s joint account other applicant was XXXX XXXX
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (VT)

1 ) The Credit reporting companies are allowed to hold bad credit reports for 10 years, however if as in my cast I dropped a credit card for a better interest rate the 8 years of credit history was instantly removed from my credit report. Their explanation it policy allows them not to use information from closed accounts. This also counts for refinancing home loans after 10 years of good history I refinanced my house and lost 10 years of account history. The worst part is I have 10 accounts your history is figured by adding history and dividing by accounts so I closed a 10 year Mortgage and opened a new one I  closed an 8 year credit card the rest of my accounts were all under 3 years old I went from 5 year history to less than 2 year history and it said I have a new credit history and works against me even though you can go back over 10 years on actual history. The Credit reporting companies should be requited to keep all accounts open or closed on history for 10 years so both good and bad can count the current way only favors the banking institutes as they can charge higher rates due to incomplete credit history being used. 2 ) The Credit reporting companies are allowed to use hard hits to lower your score and impact is once again in favor of the banking industries I was car shopping over a 2 week period of time I got between 6 and 8 quotes on cars I wanted. I looked over the data and decided what car fit my price range and returned to the dealer to find out the hard hits lowed my credit score and I was no longer eligible for the quoted rate. Again this is not fair to the consumer but is for the financial institutes. these are 2 major problems as far as I am concerned and need to be addressed and changed. 3 ) The credit bureaus should be working for the consumers not the financial institutes there are other things that are not fair and should be changed like anyone that reports bad credit ( utilities companies, stores that do their one financing ) should not be allowed to do so unless they also report good credit. this will make it so more consumers and get better scores based on real facts not just the facts that works in favor of the financial institutes.
Consumer complaint received 2016-08-11
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Dwight Financial, Inc. (CA)

Debt collector using the name XXXX XXXX from XXXX Ca, called from XXXX stating he was an investigator and my name had been mentioned in an investigation. He left a case number and that I needed to contact his ASAP. When I called it turned out to be a debt collection on my motorcycle which I am currently 2 payments behind. I told him I would call the company, he then called and left this same message on my sons cell phone with my wife 's name. I am the only signer on this loan according to the law he should not be making calls to third parties. I still have the message he sent to my step son 's phone number while he was at work. That call caused a lot of stress for my stepson while he was at work. I called the gentleman back and verbally requested that he not make any additional calls to any third party. He stated that he had not made any calls to any third party. I also requested his fax or address so I could send a formal letter requesting that he make no more calls to third parties. At this time he hung up on me.
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (UT)

I opened an account at the end of XXXX 2017 under a promotion where if I had 2 direct deposits from my employer of {$300.00} or more I was to receive {$200.00} within 120 days of account opening. The website also mentioned that if I applied online this promotion would automatically be applied. I met the terms of the promotion within several weeks from my paycheck, I work for the XXXX XXXX and allotted {$300.00} per paycheck to this account. The 120 days has came and went with no bonus. I called the bank and after waiting a half hour on hold, they told me to keep waiting and if I met the terms it will eventually show up. That response was open ended and ambiguous, and just plain unacceptable. I certainly believe I met the terms of the promotion and the bank has not kept its end of the deal.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Klima, Peters & Daly, P.A. (TX)

I defaulted on a car loan in XXXX. The car was repossessed in XXXX. On XXXX/XXXX/XXXX, I was informed by my HR dept that I have a wage garnishment from the agency of Peroutka, miller, klima and peters, XXXX md XXXX. I have never received any prior notice this action was going to take place. I never received any notification that court action was going to occur. This matter is over XXXX years old. I believe the statute of limitations should apply. I would like to file a complaint against this company and try to stop the garnishment. The lender for the original loan is XXXX.
Consumer complaint received 2016-12-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

i did a mobile deposit for a payroll check and then 2 weeks later a coworker stole my check and tried to cash it and it didnt work and my bank wells fargo took the money back out of my account and i still havnt seen the money or any feed back letting me know whats going on. 
there not telling whats going on!
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Arbitration — 
Company: SYNCHRONY FINANCIAL (TX)

Disputed charges on GE Lowes XXXX XXXX XXXX XXXX in XX/XX/XXXX District court case in XX/XX/XXXX won with judgment to dismiss with prejudice and failure to provide any evidence. I have submitted documentation to all XXXX credit reporting agencies and to GE Lowes now Synchrony Bank. Only XXXX has deleted account and XXXX and XXXX continue to investigate not abiding by the court documentation provided. GE Lowes ( Synchrony Bank ) informs me they have made the request to the reporting agencies but the agencies tell me there is no such request in the system. I have continued to request written documentation and reference # XXXX of request yet have not received any to date. I have been fighting this for over 5yrs and wish to have my credit updated. I can not believe the cc companies and agencies can continue to not abide by a court rulings and keep my credit hostage.
Consumer complaint received 2016-03-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (UT)

To CFBP, I have been a loyal customer of Wells Fargo since XX/XX/XXXX. I am currently going through the process of fraudulent unauthorized transactions that I did not make. During this process, Wells Fargo cancelled my account and has created a new account ( cut up my card, and will send me a new one within 10 days, gave me a new checking account #, and closed my old account as of XX/XX/XXXX ). I am okay with all of that ( for my protection ). However, In my checking account, I had approximately {$480.00} in my checking account. I was n't able to see this activity online, because they cancelled my online username and password without telling me. I called XXXX this past week and they told me to go into a WF branch to show 1 ID and was asked that a WF banker call a WF # and it would be taken care of. I went to the WF bank in XXXX XXXX XXXX, UT at XXXX this last Monday or Tuesday. Was there 30 minutes and the banker told me that the WF system was down. Told me to come back later. I do n't have a vehicle, so this was a huge inconvenience ( I 'm on Social Security XXXX ). I went to a branch on XXXX in XXXX XXXX XXXX on XX/XX/XXXX. The banker pulled up my account. The female banker said I was - {$63.00}. Was shocked. I had at least over {$400.00} in my checking account. The banker could n't figure why this happened either. So, she called the WF number, gave WF my information. Long story short, the female banker on the phone explained why I was minus ( made no sense to me ). She talked in " lawyer '' talk, I had no idea what she was talking about no matter how she explained it. I kept saying, " But where is my money? MY MONEY? '' She said it had to do with my disputes over the unauthrorized charges. MY MONEY in my checking had nothing to do with this. I receive {$740.00} from Social Security per month. That {$400.00} or more IS MY money ... .not WF. WF ca n't take money away from me or Social Security. Magically the banker on the phone dismissed the negative {$63.00}, and put it to XXXX. No idea how she did that ... .but where was/is my {$400.00} or so? So, WF is going to leave a XXXX person with NO FOOD money for all of the rest of XXXX. That social security money is all that I have. WF did n't mention that or seem to care that I had XXXX money. I feel that WF stole my money and money from social security. I want WF to put MY money back into my account. I want an apology. And, I want restitution for emotional damages and not being able to sustain myself with NO food. I was extremley lucky that I got my medications for my illness earlier in the morning. If later, I would have had to driven to the XXXX XXXX and admitted myself to the psychiatric hospital ( the medications are a life-savers for me ). WF does n't seem to care about loyal customers ( 24 years ). I have NO money ... am starving with no money for food. Their certiain actions do n't seem ethical. WF ... WHERE IS MY {$480.00}???
Consumer complaint received 2016-03-13
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

I signed up for a Barclay 's CC in order to buy an iPhone from XXXX. I was approved and made the purchase. It required me to set up an autopay via my bank account. On my second autopay, there was not enough money in my account to make the payment. Barclay 's payment system flagged my bank account and wo n't let me use it to make payments any longer. They wo n't take a debit card or a credit card. I do n't have another bank account to make a payment. I 've written them twice and they 've basically blown me off. Meanwhile they 're sending late payment reports to the credit agencies. Effectively they 're forcing me to go out and open another bank account in order to avoid late fee 's and negative credit reports. I do n't want or need another bank account. I have notified them that I have money to pay them twice and asked for them to reinstate my bank account as a payment method twice.
Consumer complaint received 2017-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (MD)

We pay extra every month on a car loan that we obtained in XXXX 2016. We noticed the extra amount paid was not applied to principal. We called TD Auto Finance, and they stated that they would not apply the extra amount to principal unless we called them every month. To reach an agent every month takes quite a bit of time. We offered to put it in writing to apply the extra amount to principal, but they said they could not accept a letter with instructions. We have called several times to no avail. We have paid extra every month, but they do not apply it to principal unless we take the time to call plus it does not go against principal until they receive the verbal instructions. My understanding of financial regulations is that the finance institution should apply extra payments to principal if no other amounts are owed. TD Auto Finance said the only way it would automatically go against principal if we used their bank.
Consumer complaint received 2016-12-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (NM)

Synchrony Bank has been calling me XXXXXXXX times a day at all different times and for 7 days a week. This week they started using their own name before they used a restricted number which did not show who was calling and this has been going on for over 6 months. XXXX : the account that was behind was Walmart but they lowered the limit on another account called Paypal which at that time was never behind. But I am not going to pay anything on Paypal until they change their actions. Walmart is being paid on schedule and every month. They call me at work, before XXXX and after XXXX They use an automated dialing system which no one is on the other end of the line except a computer until you answer the call. The computer does leave a message but still it is a computer. They changed the calling name from Restricted to Synchrony when I told them not to call me anymore. This is getting monotonous and repeititive I am past tired of all this. I would be glad to pay them if they would quit bothering me but as long as they continue to call XXXXXXXX times a day and sometimes more I will not. Thank you. 

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