davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (SC)

Towards the end of XX/XX/2019, I had needed funds to prepare for Hurricane Dorian.  The hurricane actually hit our city which my home and other relatives in the area. The funds were necessary for the preparation, cleanup and repair of damages experienced during this storm. This was the main reason as to why I could not maintain the {$20000.00} balance requirement of this savings product. 

I had pleaded with TD Bank to provide some leniency in their " monthly maintenance fees '' that were applied to my TD Bank Select Savings Rate Bump account for XX/XX/XXXX and XX/XX/2019. After four phone conversations, six in person interactions and a discussion with their social media relations team, I had enough and decided that their response was not only inadequate, but truly spiteful. Despite being a TD Bank customer for some time and had a sizeable amount of funds in the account in that time, there was not an ounce of sincerity or kindness in their actions towards me. 

Time after time again, the bank refused to waive the fees and actually ridiculed my decision to take out these funds to repair damage caused by the hurricane. Two fees are in question with this complaint : 1. XX/XX/2019 : a fee of " {$14.00} '' described as a " Maintenance Fee ''. 
2. XX/XX/2019 : a fee of " {$14.00} '' described as a " Maintenance Fee. '' The bank provided no timely guidance to me as ( 1 ) how to switch over to a different product that would have lower minimum balance requirements ; ( 2 ) provide any guidance for how to refund or waive these " maintenance fees '' and ( 3 ) failed to assist with resolving my concerns, despite numerous attempts of reaching out to them.
Consumer complaint received 2019-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (AZ)

Phoenix Financial Services keeps calling me to pay them an added amount to the debt I have already paid to the debt originator, XXXX  of XXXX XXXX XXXX. 
XXXX has posted a XXXX balance on my debt but XXXX wants me to pay them the balance of XXXX $ to them, a different amount than the original debt. 
I sent XXXX a copy of the closed account from XXXX by email, which they requested but they still keep calling for a payment of a " new '' amount.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX, I subscribed to Experian 's premium membership so that I can monitor my credit. They drafted funds from my account despite reflecting inaccurate scores/report every month. I called to say that my scores are from XX/XX/XXXX and the woman lied saying give it some time to refresh and then it will update. This was after I paid to upgrade my membership. Please refer to case # XXXX. I even brought this same issue up during a chat and the representative was very unhelpful. Taking money for services not rendered is fraudulent and thievery.
Consumer complaint received 2019-08-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (FL)

Greetings, I have a FHA loan serviced by Selene Financial Service. Four months ago I requested a loan modification as my our income has been reduced. Selene approved the loan modification, we called and explained that the payment is still too high because original payment was XXXX, the new payment was XXXX still over 31 % of income. we were advised that it was just a trial payment, the new monthly payment will be lower, when asked for the term, we were told, we will know the term once our loan is fully modified. in the meantime our credit is ruined, went to low 500s from 700s. the loan was reported to the credit bureau as a delinquent loan. we received a call today XX/XX/XXXX that our interest rate will go up from 4.0 to 4.5, and monthly payment will be {$2000.00} and they increased the month left to pay off the loan. So instead of help we were XXXX by Selene Finance. According to FHA mortgage letter, the loan interest rate will never go up, but should be reduced. I have been calling the lender, to no avail. We can not accept the new term that Selene is giving us because it will be detrimental. But we also are not able to bring our loan current because we are barely making it, that is the reason we asked for help in the first place. Selene was not straight forward, we were mislead into thinking that we were going to get help. That is predatory lending. Please help us solve this issue as we do not know where to turn. 
Best regards, XXXX XXXX
Consumer complaint received 2019-09-07
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. (NY)

I recently received a an incorrect reporting on my credit file from all 3 credit bureaus Equifax, XXXX, and XXXX of a fraudulent credit company claiming that I owe them said money amount. The name of the company is called " XXXX XXXX ''. I sent correspondence to all 3 credit Bureaus about this fraudulent reporting on my credit report and al 3 credit Bureaus had deleted the incorrect report. I recently pulled my credit report and noticed that the same file was put back on my credit report again. I am requesting that this company discontinue from reporting anything fraudulent on my credit file and that the 3 credit Bureaus also stop reporting this claim on my file after deleting it off.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

I received notification from a law enforcement agency that my name and personal information was discovered as being fraudulently traded, and that I should pull a credit report and place a credit freeze immediately with all three agencies. I was able to easily place a freeze on my credit with XXXX   and XXXX, but Experian is making it impossible to do so. The online system says it will not verify me, and the phone system says the same thing. There is not any customer service number at which I can speak to a person or any system where I can go through steps to prove my identity so that I can place a freeze. Both the phone and online systems just tell me that I should communicate with them by mail regarding my issues and give my an address in Texas at which I should mail them a letter. Again, all I want to do is place a freeze on my credit to prevent fraud given the apparent compromise of my personal information. The other agencies made this a quick and easy process, Experian has made it impossible.
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C. (AZ)

Gurstel Chargo is garnishing my {$11.00} an hour wages for a time barred business debt ( taken out with a tax is # ) in which I have payment records and income tax returns to prove it was a business debt. When I took out the credit card I asked XXXX XXXX why they did not need my social security number and they said they use the tax ID # instead for business accounts. I called the original creditor XXXX XXXX last night, and they said the debt is not showing up in their records and to fax them a copy of a statement so they can research my account. I received a notice of garnishment on XX/XX/2019 and I sent the response to the court on XX/XX/2019. My employer did not notify me that I was being garnished. I have {$540.00} left to pay bills and eat and gas the car for 2 weeks.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (FL)

I apply for a barclay financing Visa card I was told to call and finished processing my application so I call and they sent a pass code to my phone to verify my identity so I was approved when I received the card I try to activate it and was not able to activate the card and they told me I have to do another verification to send in documents
Consumer complaint received 2019-08-26
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. (FL)

I disputed a fraudulent XXXX  account listed on my credit file. I was a victim of identity theft and the individual who broke into my property and stole my personal information credits etc was arrested and sent to prison. Equifax refuses to remove this account under the guise that XXXX validated it. When I asked what information was provided that supersedes an identity theft report and arrest data of the individual responsible they refuse to answer. They refuse to advise their policy for identity theft victims. When I asked what else could I provide that is more credible than arrest paperwork of the man who stole my identity they said nothing. Equifax refuses to acknowledge my rights and refuses to remove this account.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed the Bankruptcy with Transnion and XXXX due to it showing on my credit report and they still refuse to remove. I went to the Bankruptcy court here in XXXX to inquire like I was informed from these company. The clerk provided a letter that they don't verify with credit bureaus or third parties and also I have attached a copy with this case from the courts. So if these companies are reporting this false information and the courts advised that they don't provide any information to credit agencies then how did they receive this inaccurate incorrect information. Per reading over the report it stated I filed jointly per the credit report, with whom. it doesn't list the person name and it coule be someone with a simiar name. Also the courts verified that the information on my drivers license and mail that I provide to them doesn't match anything in there systems. I have sent this information to both credit bureau and they refuse to remove it. I have no accts on my credit report showing under Bk, that would be the whole purpose of filing BK is to include debt, in which I don't have any unpaid debts. Also they never sent me the original court papers that I signed and I have requested it from Transunion and XXXX several times.
Consumer complaint received 2019-10-14
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. (CA)

I am XXXX XXXX. I'm not sure if I chose the correct explanation for what my issue is. But on my TransUnion credit report it shows XXXX collections from XXXX XXXX XXXX XXXX XXXX XXXX. Well first it is not on my XXXX credit report so I don't understand why it's on TransUnion. Anyways, that should not be on my credit report because I did not ever use a credit card to make payments. Second it is not a loan to me not did I ever get money from them as a loan. It's a bail bonds that I paid in cash. And the person which I bailed out went to jail two days after bailing him out. Third you can not put something on my credit report that I did not establish credit from. Please remove this as it is making a hardship for me.
Consumer complaint received 2019-08-26
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. (TN)

XX/XX/2019 - I submitted a dispute to Equifax in regards to my XXXX XXXX account which was included in my bankruptcy ( signed by a federal judge on XX/XX/2019 ). It continued to reflect 'active ' with an overdue balance of {$1600.00}. All other accounts had been cleared and properly annotated as 'discharged as part of bankruptcy '. The XXXX XXXX account was previously properly updated on XXXX  and XXXX. 

XX/XX/2019 - I finally received an email notifying me that the dispute had been completed. According to the file that I pulled from the Equifax dispute site, Equifax had updated the account to reflect 'Bankruptcy discharged ' with XXXX ' balance and '0 ' payments due. This has still not happened. 

I have applied for beginner level credit cards to attempt to begin rebuilding my credit, but reasons for refusal have included statements such as : " You have recently been past due. '' " Proportion of loan balance to loan amount is too high '' " Number of  accounts with delinquency '' ( which, as of today, is only the XXXX XXXX account )
Consumer complaint received 2019-08-11
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. (TX)

There is an inquiry on my Equifax report that XXXX XXXX placed, when they claimed they could not access my report. So I contacted XXXX and they sent me a letter stating that they would remove the inquiry. 

I have sent this to Equifax several times by electronic mail and us mail. I have called them 10 times on this matter and have been given 10 reference numbers, enclosed : REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Every time I check my report the inquiry is still there. The reporting company claims they have to dispute it. I asked why it takes longer than 30 days when a dispute should not take longer than 30 days to resolve or the item in question be deleted, as per the FCRA? They will not answer that. 

I have asked XXXX several times why is the inquiry still there and they can not answer that either.
Consumer complaint received 2019-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

On XX/XX/2019 Portfolio Recovery Associates, LLC sent me a letter stating they work with people to create flexible payment arrangements to resolve their debt and to visit PRAPay.com or call XXXX for offers to save money. They listed some information from an old debt that I had already paid off years ago.
Consumer complaint received 2016-01-11
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TRANSWORLD SYSTEMS INC (DC)

Transworld Systems, Incorporated used a robocall to call me on my cell phone to collect a debt in violation of the TCPA. They called multiple times, including leaving a voicemail by robocall from the number XXXX on XXXX XXXX, 2015 at XXXX XXXX. I have a saved copy of the voicemail.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit dispute with several credit reporting agencies regarding errors on my credit report I have submitted several disputes and sent documentation to the bureaus and requesting them to provide me with documentation showing proof that the negative accounts reporting on my credit report are valid. I submitted a dispute on XX/XX/2019, XX/XX/2019 and XX/XX/2019 to XXXX, XXXX and Transunion. None of the bureaus did a fair and reasonable investigation, instead choosing to do an automated verification through the computer system. 

They are reporting a negative account of {$400.00} and an account of {$250.00} on my credit report and refuse to give me any supporting documentation to prove these debts and this is affecting my ability to obtain credit, get better employment, my financial goals and the ability to start a business. I disputed the accounts directly with the two creditors and one sent me a letter stating they are not obligated to show me proof which is a violation of my FCRA rights.
Consumer complaint received 2019-09-07
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (SC)

I would like to know if this is in reference to lab work. The year is XXXX and the company is PMAB? The bill was sent to collections. Since it was in collections in XXXX it must be a bill from XXXX. If this is regarding labs I just recently found out that XXXX XXXX XXXX XXXX does not send labs to XXXX  XXXX which cost me more. It still is not posted and employees don't notify you when drawing your blood. At that time I had XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am asking for your help to correct the inaccurate details reported on my credit report. This issue has severely damaged my reputation, and I need your intervention. Your mishandling of the report has left me in a precarious situation, and the misleading information has hurt my reputation. I urge you to remove these errors so I can rebuild my life with my family.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION (CO)

I received a letter from PenFed Credit Union stating they were increasing my interest rate on my loan to approximately 14 % because of " your failure to provide a title for the collateral ''. 

The loan with PenFed was a refinanced auto loan where they paid off my loan with XXXX XXXX. I called PenFed and told them I didn't have the title, but would contact XXXX XXXX to see where it was and that in all my years financing cars, I had never had to chase down a title. They told me they would hold off on increasing my interest rate for 60 days while I chased down the title with XXXX XXXX. ( Spoke to XXXX ). 

I contacted XXXX XXXX who stated that the title was sent out in XXXX, 2020 to PenFed. When I called PenFed back, I got a new customer service person who told me that all they needed from me was a XXXX copy of my drivers license. I told them I had uploaded that to them months ago ... the operator ( XXXX operator ID XXXX ) was very helpful and pulled up my on-line submissions and found my drivers license. He told me he and his supervisor had put a high important email to collateral that they already had my drivers license on file and that it would be resolved with collateral. He also stated that they will contact XXXX XXXX XXXX XXXX if there was anything further that they needed on the actual title, but I didn't need to worry about it. 

My compliant is in regards to a bank being able to increase an interest rate on a collateralized loan when all they needed was a copy of my drivers license? Especially when they had an uploaded copy of my drivers license in XXXX, 2020. 

Their failure to review a document that clearly showed received in their system would have caused my auto loan payment to jump from {$430.00} per month to {$550.00} per month for their error. They provided no explanation to me as to why they needed a copy of my color drivers license and if that was a requirement of obtaining a new loan from them, why didn't they require it prior to giving me the auto loan in the first place?
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (WA)

Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX Via USPS Certified Return Receipt mail XX/XX/2019 To Whom It May Concern : On XX/XX/2019 we received communication from you regarding an alleged order from XXXX XXXX XXXX for medical supplies sent to our address. We did not order or authorize this shipment. You stated that we owe {$3000.00} for medical supplies because the supplies were never returned. Unfortunately, we can not find these items. We believe they might have been thrown away. 

Per 39 U.S. Code 3009, section B - this unordered and unauthorized merchandise may be treated as a gift by the recipient, who shall have the right to retain, use, discard, or dispose of it in any manner he sees fit without any obligation whatsoever to the sender. 
With this, we dispute the above-referenced debt to your client. 

Please verify this debt as valid as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ). Please validate my original order for these items, including payment ( s ) made for these items, as well as my authorization to deliver these items to my address. Please also send the company name and address of your client who is alleging this debt. 

Because I am disputing this debt, you are not to report this to any credit reporting agencies. If you have already reported it, please notify me of this fact and notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. 

Please return your validation date to me in writing addressed to me at XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX, WA XXXX. 
Thank you for your cooperation in this matter. 

CC : Federal Trade Commission via web entry CC : WA State Attorney General online CC : WA State Consumer Protection Bureau XXXX XXXX
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

A year almost 2 years ago I had signed up with a company called the Lexington Law to help me fix my credit due to trying to purchase a home. I paid them for a year and they never fixed my credit. They gave me false information making me think that my credit score was up when it really wasn't. They never gave me my money back for a service that they never did.