davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (CA)

Trident Asset Management Is using unethical practices. 
XXXX they changed the open date from XXXX too XXXX on an account so that they could report past the statute of limitations. I have the supporting documentation for this and sent letters to both XXXX XXXX XXXX. XXXX of where they did this. Trident Asset Management Is also reporting XXXX collections from XXXX & XXXX as current accounts that are delinquent on my XXXX report taking my payments from 100 % to 60 %. A few months ago I sent letters to each credit bureau asking them to remove old accounts that expired their statue dates. The Bureau 's obliged and did so with the exception of Trident 's XXXX that fall under this complaint because they had a few months left. Hence XXXX they are now changing dates to get back at me and try to report longer. And they are also reporting collections accounts as original creditors and not as collections as they should be on my XXXX report. Actually the XXXX from XXXX should have expired anyway but they are still reporting it. I do not believe this an accident, How many mistakes can XXXX company make? I believe they are doing this as to spite me for asking the credit bureau 's to remove their accounts.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY (MD)

I was looking over my statements and realized Wells Fargo bank charged my account a late fee and a finance fee after the bill was paid in full for the XXXX Statement on my WF Business Credit Card. I contacted them regarding this and a XXXX XXXX ( Employee/Location ID XXXX ) advised that they would not refund the financing charge as it was a violation of the credit agreement which is not the case as this credit card is PAID in full every month.
Consumer complaint received 2015-08-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Estate Information Services, LLC (IN)

XXXX OH, XXXX has left XXXX voice mails on my cell phone stating they are EIF Collections, a debt collector, and that I should call XXXX extension XXXX. I am assuming this is a fraudulent call, because I have $ -0- debt, other than credit cards, which I pay monthly when the bill comes, and a car payment, which I also pay on time monthly. I just now checked both mine, and my husband 's, free annual credit reports, XXXX, both of which indicated no issues at all. They also did not indicate any credit cards etc., other than those actually opened by ourselves. Thus, thankfully, there is no sign of ID theft.
Consumer complaint received 2020-11-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I contacted Transunion to dispute a few inaccuracies on my report. On XX/XX/2020, Transunion received my dispute via USPS certified mail tracking and did not investigate my dispute. I have attached the proof.
Consumer complaint received 2020-11-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX  XXXX is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, XXXX 's XXXX closed my account. When I tried to call and dispute the late payment status with XXXX XXXX, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX  balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on XXXX different occasions. On Monday XX/XX/2020, I spoke with a rep from XXXX XXXX who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for XXXX XXXX to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

On today, XX/XX/2020, I received yet another harassing, exploitive and threatening letter from Select Portfolio Servicing, the most unjust mortgage servicing entity in XXXX XXXX. It was surprising that my initial mortgage servicer had switched my account to SPS. In any event, CFPB assisted me before on this same issue of SPS penalizing me because it said that my payment did not arrive on the first of XX/XX/2020. Prior to this complaint by SPS, it said I had until the XXXX of each month to have my payment in. Then later, SPS said that I had to increase my monthly payment to cover escrow, and I did. I am seeking a new loan servicing entity because SPS harasses me with impunity constantly. I have attached the very letter sent me by SPS penalizing me because it did not receive payment on the first of XXXX. I do not receive income until the 3-5 day of each month, and have always told SPS such. Now suddenly this issue resurfaces.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XX/XX/2020 I challenged some accounts that were showing on my credit report. Upon doing so Portfolio Recovery associates, LLC replied to me with a " Verified '' Letter showing a statement. I requested validation and verification via a reply and they went and sent me the same letter and information again which will be attached to the complain. I have not had any success getting accurate information. They also keep calling which I stop answering. Its getting annoying at this point. I'd like to see if you can help.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

This credit card company does not know how to protect its consumers. During follow up calls they said the fact that we still have the card makes us liable for the disputed charges. Neither me or ANY of my family members have gone to 2 of those places in NJ where the transactions took place. If there will be a PROPER investigation we are confident that it can be proved we were never on those places at all. The credit card co does not give us any other information whats their evidence why we are responsible. We dont even know if these purchases were done online or in-person. This has been reported to the XXXX police.
Consumer complaint received 2020-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (MD)

Good afternoon, In regards to my HELOC account with TD bank. 

XX/XX/2020- I had received email confirmation after applying for the forbearance. 

XX/XX/2020- shocked to see a late payment so called and made {$410.00} payment and representative said that the application should be approved before next payment. She said there is heavy volume and sorry for the mix up on their part. XXXX did not receive any late charge therefore indicating like representative said that the mortgage forbearance has been applied. 

A Monday in XXXX spoke with XXXX once I discovered my credit was destroyed. 

XX/XX/2020- spoke with XXXX XX/XX/2020- emailed XXXX and no response XX/XX/2020- submitted by mail TD bank 's Consumer Credit Report Dispute Form. 

XX/XX/2020- spoke with representative XX/XX/2020- spoke with XXXX TD representative had me under the assumption that my online application was approved from XX/XX/XXXX. Unfortunately, I discovered in XXXX around 100 point credit score drop. XXXX has resubmitted the back date request again ( XX/XX/11 was told denied because they said there was no evidence of me requesting the forbearance ), after XXXX did that in early XXXX. I have an email to prove it and a call that was made on XX/XX/XXXX talking about why did I have a late charge when I had applied for the forbearance. 

Respectfully
Consumer complaint received 2020-11-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I disputed inaccurate on my credit report advising the bureau to validate the accounts if they were unable to validate then remove them off my report. The letter was sent over 30 days ago and I have not received a response. 

The inaccurate accounts XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

My mortgage is through XXXX, and today I received an email that my payment is due to a company called XXXX XXXX. I have received no correspondence by phone, email, or in my loan document center through XXXX regarding any company called XXXX XXXX. I have attempted to contact XXXX XXXX since XXXX today, and as of XXXX ( EST ) I have not heard from them. I contacted XXXX, who reports that on XX/XX/XXXX they sent notice that my loan was being transferred to XXXX XXXX effective XXXX but that letter has not been received, is not in my loan documents section of their website, and is well short of the 15 day notice requirements. 

As a result, I am concerned that I'm going to be charged a hefty late fee and have it appear as non-payment on my credit report, given that my checking account automatically pays this bill directly to XXXX and will be past the " grace period '' by the time it is received at XXXX XXXX. 

I have been on hold with XXXX for 28 minutes now attempting to obtain a copy of this notification of transfer, and they are refusing to help me except to say " we can send another copy which will take at least 5-7 business for you to receive ''. I can not get in touch with XXXX XXXX.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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 the USC 1681.

XXXX account # XXXX  has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 2021-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I opened a transaction dispute claim with Bank of America on XX/XX/2020 in the amount of {$1800.00} for merchandise I never recieved. I submitted the fraud department with all appropriate paperwork signifying and proving the exist of my claim, XX/XX/2020 I was informed by Bank of America of the documentation they received back from the merchant regarding the dispute. I informed Bank of America fraud department that the information they received from the merchant was false information and contradictory of additional documentation I had, at that point Bank of America asked me to send them the additional documentation which I did on XX/XX/2020. I followed up with Bank of America to make sure they received the additional paperwork I sent regarding the claim I spoke with a representative and she did confirm they received it and the claim was continue to be open and they will look into it. I did not hear anything from Bank of America regarding this claim for almost 3 months so I decided to give them a call and follow up on the claim, this was on XX/XX/2020. At this time the representative let me know that it looked like they had no further information regarding my claim but now they were out of their initial time limit to investigate the claim and they would give me an answer within 48 hours, I then received an email notification that my claim was disputed because it had reached the time limit. I called Bank of America fraud department to get further information regarding this, and they let me know that there is now nothing they can do because they have reached the 40 day time limit from the time the claim was open and they have no rights to pursue the claim anymore or provide me any kind of financial compensation. I was never communicated throughout the process of any kind of time restraints that we were working through, I kept close contact with Bank of America throughout this process and was never told when I sent the second documentation paperwork that there would not even be enough time to do a thorough investigation, Bank of America did not do a thorough investigation they did not take into consideration all of the documentation that I sent them which clearly explains that I have absolutely zero merchandise from the merchant who charge me this amount, I was continually informed by Bank of America that they did receive my information that the claim was being looked into they advised me to send them additional documentation they never told me that when I sent them the additional documentation it was now out of their time restraints.
Consumer complaint received 2020-11-12
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: TRUSTMARK CORPORATION (TX)

I was scammed out of XXXX on XX/XX/2020 I got sent a fake check which I thought was real. I deposited it to my bank and the person that I now know is a scammer told me to purchase XXXX XXXX Money orders. Im in XXXX  so I thought ok, Ill get a free XXXX because the check they sent was XXXX. So the amount of XXXX appeared in my bank a day later so I went to go get the Money orders. I shipped them. I have the address that it was shipped and I still have the emails and text messages if needed for investigation. I just need help on getting my Money back please. And trustmark bank told me they couldnt do anything for me.I also canceled the Money orders as soon as it showed the XXXX was not in my account any more. I called and they said it was a fake check.
Consumer complaint received 2021-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (CO)

My bank account was hacked and both my savings and checking that I stored with Chime are now gone. I had {$1600.00} stolen from my account on XX/XX/2021 using the pay friends feature. My account has been completely wiped out. I can see the persons name and know that I have never once met or authorized someone with this name to be in my contacts or on the Chime app. I have filed a report with Chime, filed a police report, and am also doing this now. This was my savings to invest into my business and now its gone. I have not gotten a response from Chime yet about this. I have filled out their form and sent it to them.
Consumer complaint received 2020-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (CA)

I have an installment loan with Lendmark Financial Services. I have made monthly online payments for eight months or so without incident and have reduced my outstanding balance to {$250.00}. This month however, I logged in to my account portal and when I click on Make a Payment for this loan, I get an error message that the service is temporarily unavailable. I have attempted to every day the last four days and received that error each time. 

Today I contacted an online rep and called my local branch, and both times the person on the phone stated, " it's always been like that for the last payments. '' They suggested paying by phone but would not take my debit card like the online portal does. Their only other option is to pay in-person with cash, but I'm reluctant to go as my household has essential workers and I'm high-risk for Covid-19. 

I asked repeatedly for their reasoning for why they would not accept online payments at this balance or why they did not disclose to me that my access to a payment service was contingent on my balance. Lendmark failed to disclose that I should expect to be denied a payment service because I was using it to make payments.
Consumer complaint received 2020-11-12
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: NAVY FEDERAL CREDIT UNION (TX)

There was an unauthorized account opened in my name. I've tried disputing this information with no luck from Navy Federal Credit Union. I completed all of the necessary steps in order to have this information blocked from my credit report and have my credit reporting statutes enforced. All of this information was submitted to Navy Federal and they refused to block the information. I called Navy Federal in XX/XX/2020 with an XXXX representative asking what do I need to do to resolve this issue. They stated I could pay the balance off in order to have the negative information removed. I paid Navy Federal the entire balance due. Once the balance was paid I called back a week later inquiring the status of this information being blocked. Navy Federal stated they could not remove this unauthorized account because it shows a payment made on the account. The payment was made on my part because I followed their instructions in order to have this resolved. 

My score has dropped nearly 100 points due to this issue. It has caused me a great deal of stress while currently XXXX. Please assist me with having this account removed from my credit profile.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

i OPENED AN ACCOUNT NAVY FEDERAL I RECIEVED NMY DEBIT CARDS AND CHECKS AND DEPOSITED MONEY INTO THE ACCOUNT I THEN CALLED TO ACTIVATE MY DEBIT CARD AND WAS TOLD THEY WERE CLOSING MY ACCOUNT FOR FRAUD - AFTER CALLING SEVERAL TIMES HOLDING OVER 2-3 HOURS I WAS TOLD TO TAKE MY DOCUMENTS IN TO THE BRANCH. I GET TO THE BRANCH AND THEY HAVE ROPES OVER THE BANK SO I HAD TO YELL MY REQUEST TO THE TELL AND COULD HEAR WHAT EACH PERSON WAS COMING INTO THE BANK FOR.THEY TOLD ME THEY CAN ONLY TAKE MY DOCUMENTS AND SEND THEM TO THE FRAUD DEPARTMENT. DIDNT TRY TO ASSIST ME REALLY. VI CALL BACK TO THE CUSTOMER SERVICE NUMBER AND THEY TELL ME THE BANK COULD HAVE APPROVED MY DOCUMENTS WHILE I WAS THERE .... ADVISED ME TO WAIT 5 DAYS AND CALL BACK THURSDAY. I CALL TODAY AND THEY TELL ME MY DOCUMENTS WERE SENT TO THE WRONG PLACE AND THEY ARE FORWARDING THEM TODAY. I CALLED AND REQ A SUPERVIOR WHO NEVER APLOGIZED HE HELD THE PHONE COWARDLY AND BESICALLY ACTED AS IF THIS ISNT OF ANY CONCERN TO HIM HIS NAME WAS XXXX - IM SO UPSET BY THIS SERVICE
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I had a mortgage with Bank of America that was paid in full on XX/XX/2020, When we sold and closed on the house. On XX/XX/XXXX I noticed my credit report still showed the active mortgage so I called, they confirmed that they had the money but there was an internal error and it wasnt applied. At that time they said they fixed, 10 days later I still noticed my credit report hadnt updated, called back same response and I had to wait until XX/XX/XXXX for it to show. Around XX/XX/XXXX I did get a refund for my escrow, and a mortgage payment they automatically took out in XXXX XX/XX/XXXX came and the mortgage is still showing and they took out a payment for XXXX! I called again they said that it was showing paid off in XXXX system but not the other one and their escalating it. XX/XX/XXXX, I received and email saying they havent received the last two mortgage payments and to call them to avoid forclosure! 
They said they were going to debit the funds back into my account for XXXX, I havent seen them. 

I need someone to help me! This is absolutely insane at this point!
Consumer complaint received 2020-11-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.