davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

I have had a XXXX Extras Mastercard to go with my XXXX account for almost 15 years now. My account has ALWAYS been maintained in good standing. Sometime between mid XXXX and XX/XX/XXXX, my XXXX master card was unlinked from my XXXX account. In addition to that, my payment for the statement date of XX/XX/XXXX ( {$1700.00} ) that I set up ahead of time for XX/XX/XXXX was never shown as being withdrawn from my bank account ( which I directly linked to XXXX anyway ). This has become urgent because I am nearing my credit limit due to home improvements. I have made multiple phone calls to have both problems corrected ( XX/XX/XXXX on phone for 1 hour and transferred to 8 different operators, confirmed my XX/XX/XXXX payment scheduled and account to be relinked within 4 days ; XX/XX/XXXX, confirmed my XX/XX/XXXX payment scheduled and advised to wait another day to see if payment posts and account links ; XX/XX/XXXX, confirmed my XX/XX/XXXX scheduled payment was not processed and advised they have no idea why I can not access my credit card account through their website ). XXXX operators confirmed my payment was scheduled for XX/XX/XXXX from my bank account that is also linked to my XXXX account, which has sufficient funds to make the payment. None could tell me why the withdrawal was not made. I even requested that the payment be made over the phone using my bank account, but I was told she did not have the authority to do that ( ok I get that ). The operator 's employee number is XXXX. Worse, I can't make the XXXX or XXXX payments because I can't access my Extras account! NO PROGRESS ON EITHER matter after all this time. I get passed from one operator to the next, and I was last told this will be forwarded to an account " supervisor. '' I have submitted complaints to XXXX XXXX online, XXXX online, and MasterCard online, as well. At this point, I'm worried that 1. my points I've accrued are gone, 2. my credit report will no longer show my longest credit account in good standing, 3. I'm being charged interest through no fault of my own. Customer service used to the best, which is why I stuck with XXXX Extras for so long. Since the XXXX XXXX took over, customer service has gone DOWN THE TOILET. Please HELP! To make matters worse, I have no access to historical records of my account to do the removal of the credit card from my XXXX account. I have not received any emails from this company for months to notify my about my monthly statements or account updates, despite having an active email account at XXXX for the entire time I've been their customer.
Consumer complaint received 2018-07-11
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. (MI)

We started using XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-07-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

I have applied for a personal loan for XXXX dollars on XX/XX/2018. I advised the loan officer that it was to help my sister to get her back on track with her mortgage while her husband is battling with XXXX. The application was taken and process. 

On XX/XX/2018 at XXXX XXXX i received a call from the underwriter stating that she can not approve me for the whole amount but a counter offer will be submitted and I was to hear back from the bank. 

On XX/XX/XXXX I called to see what was going on at my local bank and no one was willing to talk to me. I got a hold of another underwriter at XXXX who told me that " We do not do loans to help pay off mortgages '' I was in shock!! They made me a 2nd counter offer after I was advised that they do not approve anyone to help pay for real estate mortgage payments. I asked them to return my points back to my FICO score for not disclosing the truth from the beginning and they refused. Had I known this I would have never applied for the loan. 

This is FRAUD and this information should be disclosed in its ENTIRE so as a consumer can make a proper decision. This is absolutely misleading. 

Please help. Thank you
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (TX)

Upon reviewing personal credit report, found entries from XXXX XXXX. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The account is open and current NOT CLOSED. Aldo the balance showing is incorrect. I am attaching the documents to reflect. The 1st attachment is the incorrect one and the 2nd is what should be reflected
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient problem. A serious problem. My daughter is a college grad with high debt making payoffs on loans. Navient fights the payoff of loans. What they did today is so egregious that we need your attention. Years ago ( 3+ ) my daughter paid off a loan we used my checking account and routing for a ONE TIME use. Today, I went to my checking account and Navient without my knowledge nor consent took {$1800.00} from my checking ( parent not co-signer ). I called my daughter immediately. She was as shocked as we were. She shared that she tried to payoff a very large loan this week and Navient simply refused her payment! They just mailed back her check w/o explanation. She called Navient asked for a Supervisor, gets the " I'll handle it '' conversation then they used my checking account! Now, my checking account is harmed ; I'll be in overdraft and, my daughter 's loan stays in accrual.
Consumer complaint received 2018-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MD)

I am writing the letter with help of my financial aid reward. I was charged for the following Transportation total - {$1600.00} Meals total - {$2.00}, XXXX Miscellaneous total - {$1800.00} Room total- {$13000.00} I drive to and from school when scheduled. I never received a room I have my own home and miscellaneous! The University over charged me for XX/XX/XXXX-XX/XX/XXXX and for XX/XX/XXXX-XX/XX/XXXX for the same amount totaling XXXX. I need this issue resolved ASAP. I am sure I am not the only student that has this issue.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KY)

On XXXX-XXXX-18 made purchase at best buy of XXXX. 6 mo no interest if got their card. they sent card, went online set up my account. on XXXX-XXXX-18 i made a payment of XXXX. It said my due date was XXXX-XXXX-18. Paid the payment before due date. On XXXX-XXXX-18 i went online to pay the balance and they had assessed a XXXX late fee. they told me I paid the account too eatly. My Statement dated XXXX-XXXX-18 said my balabce was XXXX, my due date was XXXX-XXXX-18, I paid XXXX on XXXX-XXXX-18 so made no sense. after dealinf with a chat person who said they would waivee the fee, they did not. if i wanted to pay off my account i had to pay thier fee. several time they tols me wold waive fee but did not. i was forces to pay the extra XXXX and paid off the account on XXXX-XXXX-18. statement is attached which documents everything how can they charge me a XXXX late fee when they show i paid XXXX before the due date. attached is the XXXX-XXXX-18 statement - shows next due date XXXX-XXXX-18 and XXXX balance. it shows payment made on XXXX-XXXX-18 ( before the XXXX-XXXX-18 due date and the payment i was forced to pay to pay off the account where they force me to pay this bogus and erroneous fee. I have demanded the acct be closed and a refund of the fee- they seem to feel the fee is valid stating i paid it too early?? but thier statement shows different
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank online banking system has some sort of internal error happening that " locks " out the customer from their account. This has happened multiple times ( a minimum of 10x ) over the past six months ) and TD Bank forces me to drive to their branch location and then creates an temporary User Name & Password in order regain entry into the account. 
I am a very sick home bound elderly person that can not make the trip to the bank and the employees & supervision ( of which is little to non existent ) has no respect, consideration and or understanding for my situation. From my experience there is No Management team overseeing problems of the customers. The Board of Directors and or those on the TD Bank board are inaccessible to the customers and it's beneath them to solve problems. I've tried writing to the CEO, CIO, and the customer service center at TD Headquarters in New Jersey. I received no help and not even acknowledgement that they have a major problem. How many people are being locked out of their accounts on a regular basis. Their Chief Information officer XXXX XXXX will not take phone calls, emails and or messages and there is no way for the consumer to get a hold of their software team that runs online banking. TD Bank is a broken record of telling me to go into the local brank so they log me into my account. They could care less I'll be locked out again in a few days to a week. Even when you are 100 % sure of your User Name & Password you still will get locked out of your account. 

Below is all my information pertaining to the local branch of TD Bank in XXXX XXXX, FL and my banking online : Online User name : XXXX Password : XXXX My name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX email : XXXX cell : XXXX cell : XXXX TD Bank 's Fraud department has no standards, security, safety measures to ensure their customers peace of mind. Their fraud department called us last Sunday asking for my account number, social security number, birth date, etc. and I had No IDEA who the XXXX they were and they were evasive and not wanting to answer specific questions to properly identify their presence. It was outrageous
Consumer complaint received 2022-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

We were purchasing carpet from XXXX and they use credit from Wells Fargo Bank. I gave my information to the sales associate who in turn gave my information to Wells Fargo. Shortly afterwards, a Wells Fargo associate called and spoke with me. I was denied credit for the carpet purchase according to the Wells Fargo associate due to the inability of Wells Fargo to authenticate my identity. This interaction happened on XX/XX/18. In the mail, I received a denial letter stating the inability to authenticate my identity ( the applicant ) and instructed to contact XXXX XXXX. My complaint is with Wells Fargo ; specifically, why did I take a credit hit, if in fact Wells Fargo could not authenticate my identity? It doesn't make sense for any business who claims an inability to authenticate a potential customer 's id to then be able to run a credit check and then the customer takes a hit to their credit score.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NV)

I moved to XXXX XXXX from California, XXXX a year ago ... i just bought a home here in XXXX ... .Im a XXXX XXXX, never been outside or worked outside california . Never been arrested and had any felonies ... .Well just bought a house so I need extra income from my XXXX job and so I applied to XXXX and XXXX ... and I worked for XXXX in XXXX XXXX about two years ago, drove with no problem ... I been applying for jobs, getting turned down and before me and my wife moved here we got turned down for a few rental homes also ... thinking I was just being scamed by the rental companies taking my application fees I never thought nothing of it, but I did send off fingerprints thru the FBI criminal investigations in West Virginia ... My fingerprints came up clear, no criminal history ... but when we get to XXXX I get turned down for XXXX and XXXX ... saying I had a public record for XXXX starting in XX/XX/XXXX tili XX/XX/XXXX ... .and spent most of those years in XXXX in ( XXXX , county ... Illinois ) ... now Im a XXXX XXXX XXXX with the XXXX and california credentials also ... .how in the XXXX this is possible I BEEN LIVING AND WORKING IN XXXX XXXX AND RAISING MY KIDS, before in XX/XX/XXXX I was in high school and worked my way up from a XXXX XXXX to a XXXX XXXX with XXXX and XXXX XXXX at XXXX stores in XXXX XXXX ... ... .The background system they used which seems to have the false information is ( CHECKR ) .... ( checkr ) ... they are based out of XXXX XXXX, California , ,, they have caused me to get turned down from jobs and housing ... I need this issue to be investigated ..I don't know if this is identity theft or mis information from the company that did the background checks ... .. 

Thanks sincerely XXXX XXXX XXXX
Consumer complaint received 2024-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2018-08-04
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. (MD)

XX/XX/18, XX/XX/18, XX/XX/18, Inaccurate reporting information about I have recently been informed that there is negative information reported by Maryland Federal Court-XXXX in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report. 

After contacting the Federal Court Clerk office, I was told that they do not report to credit bureaus. I then challenged them on the accuracy, compliance of where this information came from. I received information back from them stating it was verified and it will be no change. Sent another letter asking for them to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately deleted from the credit file that they maintain under my Social Security number as its violates the Fair Credit Reporting Act.
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (VA)

This complaint is in reference to PHH 's ( i.e., XXXX XXXX, Senior Liaison, Office of the President ) response to complaint number XXXX. In PHH 's response they referenced not being able count the interest paid because it was paid in arrears. PHH also mentioned that the information in their response could be found in IRS Publication XXXX. 

For this complaint I am asserting that PHH has misrepresented the information in their response and misrepresented the instructions found in IRS Publication XXXX for the following reasons : 1 : Arrears by definition means money that is owed or due and should have been paid earlier. For example : The 13th payment was made on XX/XX/XXXX in the amount of {$1000.00} for XX/XX/XXXX, any interest paid as part of that payment would have been for interest accrued until XX/XX/XXXX. Just because the payment was due In XX/XX/XXXX does not mean that interest associated with the 13th payment was paid forward for interest which had not yet accrued. If PHH is claiming that part of XX/XX/XXXX payment was used to pay interest for XX/XX/XXXX, a period of time for which interest had not yet accrued, then I believe this is a misrepresentation of the facts. 
2 ) IRS Publication XXXX specifically states on page 8 " The statement will show the total interest you paid during the year, and if you purchased a main home during the year, it also will show the deductible points paid during the year, including seller-paid points. However, it shouldn't show any interest that was paid for you by a government agency. '' The information I provided in complaint XXXX clearly indicates that all of the interest ( {$13000.00} ) was paid in XXXX. Therefore, as required by IRS XXXX, all of the interest paid in XXXX should have been shown on my XXXX for XXXX. 
3 ) IRS publication XXXX discusses prepaid interest on page 8. However, since interest accrues in arrears, no interest was prepaid for XXXX. The 13th payment was paid on XX/XX/XXXX. This means that any interest paid was for interest that had accumulated on the loan between the 12th payment ( XX/XX/XXXX ) and the 13th payment ( XX/XX/XXXX ) ; all interest being paid in XXXX and not prepaid for any part of XXXX. Any money that was paid early ( XXXX and prior years ) would have helped to reduce the principle balance and thereby reduce the interest that was estimated to be due at the time the loan was originated. So while the principle was paid in advance, the interest was not. There is no interest that was paid in XXXX that should be considered a prepayment of interest for XXXX. 
I respectfully request PHH to provide a revised XXXX that accurately shows the {$13000.00} paid in interest in XXXX, plus an additional {$150.00} to cover the cost of having my accountant file a corrected tax return once PHH corrects their error.