davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2019, I opened up a checking account with TD Bank. If I met certain requirements, I would receive a {$300.00} bonus. This was an offer where you needed to open the account online. When I tried, I couldnt so I called. The representative on the phone implied that I may have had an account with TD in the past ( which I didn't ), and transferred me to someone else who confirmed that Ive never had an account with TD. He then transferred me back to the department that could open the account, but also gave me the option of going in a branch and opening the account. I asked would I still be eligible for the bonus and he said yes. So I went into a branch and opened the account. I confirmed with the banker that I would be eligible for the bonus even though I was opening the account in the branch. To my understanding, the bonus was to be deposited into the account no later than 95 days after the account being opened. When I hadnt received the bonus, I called customer service and a lady said that she would email another department and to call back in a few days. She also suggested going into the branch. So I went into the branch and the banker said a manager would give me a call. I never received a call. I called customer service 1 or 2 more times and the customer service never received an email back from the lady that sent it. The last time, a representative said that the requirements were that it would be deposited to my account within 120 days of opening the account. I didn't believe it was 120 days, but I said I would wait to see what happens. Today is the 121st day and I haven't received the bonus so Im filing this complaint because I don't think I will get anywhere trying to speak with TD again.
Consumer complaint received 2019-08-29
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: GreenSky, LLC (NV)

The problem with Greensky Financial or Greensky LLC has been ongoing since last year, originally the company opened a line of credit that was not asked for or authorized, I only asked that my credit be checked to see if I would be preapproved, this should have been done with a soft inquiry, not a hard inquiry, this matter was reported to the XXXX and the Attorney General 's Office, the company told XXXX  that they would close the account, the company did not respond to the Attorney Generals Office, this year on XX/XX/2019 Greensky placed another Hard Inquiry on my credit report, I did not contact the company inquiring about credit, the company said that they would close the account and not make any more inquiries last year, I made another report to XXXX  and filed another complaint with the State Attorney General 's Office of GA ; on XX/XX/2019, I faxed proof to the company from XXXX listing the hard inquiry done on XX/XX/2019, the company continues to say that they did not make the inquiry despite proof stating otherwise, I disputed the hard inquiry to XXXX and the inquiry was removed, Greensky did not remove the inquiry because XXXX  removed it. I asked the company to stop calling me in my fax on XX/XX/2019, today, XX/XX/2019, XXXX called and left another voicemail asking to call her, I have spoken with her twice, I have returned both of her calls, my continuing to return the calls from the company are pointless, I asked the company to mail any information pertaining to this matter via certified mail, I advised the company yesterday, XX/XX/2019 that their continued phone calls and attempt to lower my credit score are acts of fraud, harassment and the entire matter would be turned over to my attorney, despite this, XXXX called again today, this is not only harassment, this is an attempt to defraud a vulnerable senior citizen, this has caused undue stress, anxiety and is costing me time and money to report these continued provocations. I want this company to leave me alone, close this account and make no further attempts to lower my credit score on an account that was fraudulently opened in the first place.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/2019 To Whom It May Concern, Today I became aware that fraudulent charges of {$660.00} were placed on my XXXX XXXX Comenity Bank credit card on XX/XX/2019. The charges are {$310.00} and {$310.00} and a late fee of {$27.00} and a finance charge of {$15.00}. 

According to " XXXX '' the XXXX XXXX Manager in XXXX NV, ( XXXX ) XXXX, NO purchases or orders were made in 2019. 

I called Comenity Bank customer service XXXX XXXX XXXX XXXX and spoke to 'XXXX XXXX. She directed me to the fraud line XXXX XXXX XXXX XXXX where I was placed on 'hold ' with no call back feature. 

I sent emails to the Comenity Bank company through the credit card website.
Consumer complaint received 2021-12-24
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: Experian Information Solutions Inc. (IL)

i tried to get hard inquirys deleted off my report with experian but its unresolvrd the folloeing are of concern credit oneank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXXXXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, XXXX XXXX By Mail Only Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IA)

Flagstar bank is refusing to release funds paid by XXXX XXXX for repair of our roof. The roof is repaired. Our contractor has submitted a final bill. Flagstar 's own inspector said the work was done. We have a copy of his report. Flagstar still refuses to pay the roofer in full.Flagstar has repeatedly lied to us during this process.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # 01 removed immediately. This is neglect on the reporting company, and they should be held accountable for this horrible mistake. I am requesting an updated credit report for my personal records as I can't trust what else may be put on my report.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.
Consumer complaint received 2019-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NV)

In XX/XX/XXXX, I purchased a vehicle from XXXX of XXXX. I agreed to pay {$390.00} per month for 72 months on a loan of {$16000.00} with an interest rate of 18 %. My car was stolen XX/XX/XXXX and I continued making payments every month. In XX/XX/XXXX, I was given a pay off amount of {$11000.00}. My insurance mailed a check to them on XX/XX/XXXX in the amount of {$12000.00}. Santander removed the payments I made to them from XX/XX/XXXX up until XX/XX/XXXX for some reason. There website showed I was behind {$1900.00} and there website was showing accrued interest. I called them on XX/XX/XXXX and they stated that I was behind over 90 days on my car, which was false. Then after I argued with the lady she apologized for being incorrect and couldn't provide me a reason as to why my payments were removed. XX/XX/XXXX I checked their website and now it showed that I had a balance of {$600.00} and there reasoning was because the funds are currently being ''reallocated '' and that I should see my account reflect the insurance payment. Which STILL makes no sense. They are showing a transaction for {$10000.00} and another one for {$1900.00} on XX/XX/XXXX which is the insurance payment. These people received my check weeks ago and did not put it in the system until I called. I also noticed that my month payments that I made for the same amount each month have different and really high interest rates. Under my transaction history on their website, the payments that I made are not matching the payments my bank ( XXXX XXXX XXXX ) is showing.
Consumer complaint received 2021-12-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-29
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MO)

I have reached out to the company on XXXX/XXXX/XXXX asking to validate this debt and to send the actual contract that I have signed with them that I owe Southwest Credit money. 

They have failed to send me a signed contract with Southwest Credit. I do not have a contract with Southwest Credit. I never heard of southwest credit.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (NY)

Lincoln Automotive Finance # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.
Consumer complaint received 2017-09-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (OR)

I contacted navient to tell them that the " debt '' was fraudulent. They did not respond for over a year and so I thought that this matter was dealt with. During that time they did not send any notification or proof of this " debt ''. According to the law this debt can not be collected because there is a statute of limitations. I have all of the e-mails. I gave them 30 days to respond and they did n't respond for over a year.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I was signed up for classes at XXXX XXXX of XXXX XXXX Michigan. I never attended the class. They are claiming that I emailed or called the teacher and claimed that I told her I would attend the class. However, I have never spoken with the teacher via phone or email. Therefore, I asked for prove an email that says this or phone records. Which the teacher has never giving out her personal phone number so I would have had to call the office and leave a message which I did n't. I always pulled up all my emails to and from her and never once was there an email about attended the class. I have had this teacher for years and yes if I did n't show up for class she would just keep me in the class thinking that I would show up. However, this time she was wrong because I never attended the class nor did I call her or email her. I have asked for prove which they ca n't provide.They are trying to collect XXXX dollars that they claim I owe. However the classes there are over XXXX They just do n't want to send the government back the rest of the money for the class that I never attended. M & M credit company
Consumer complaint received 2021-12-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (SC)

I have a mortgage that was transferred to the The Money Source from XXXX XXXX. Account XXXX I started covid forbearance with XXXX XXXX and requested to come out of forbearance. XXXX XXXX transferred the loan at that time. I was mailed a payment plan. The payment plan was XXXX dollars more a month than my orginal payment. Due to the fact that the escrow did not reflect my VA XXXX. However, the money source couldn't correct this amount until after the 3 months of payments. I paid the 3 months and they finally realized the amount was an over payment. 

Currently I am making payments still on the first of every month and we haven't executed a plan. I came out of Covid forbearance with my first payment in XXXX. 

While a have been making my payments, I would constantly get harassments calls about payments not getting made from XXXX XXXX. 

The latest issue with TMS is the fact that I have reported to the Credit Bureau that I have not made payments for 60 days and now my credit rating is messed up. XXXX to a XXXX and dropping.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (GA)

I recently checked my credit report and I noticed numerous inaccuracies on my report this is affecting my well being and my way of life and causing me stress and XXXX  and I am the author of this complaint
Consumer complaint received 2017-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (IL)

I was no properly served with a summons, velocity investment & XXXX XXXX XXXX enter a affidavit for garnishment on XX/XX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM XXXX THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XX/XX/XXXX.THEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT  LAWYER ON XX/XX/XXXX
Consumer complaint received 2021-12-24
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-12-24
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted discover today at XXXX EST on XX/XX/2017 and spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.
Consumer complaint received 2017-09-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY LOANS LLC (MD)

I bought a house recently but had serious issues with the mortgage lender/loan officer I did business with. XXXX XXXX XXXX is his name. He was previously with Equity Prime Mortgage but is no longer employed by them. Equity Prime was very helpful with this complaint. XXXX XXXX, during the process, advised me that his company pays the up front fee for the appraisal ( {$550.00} ) and he has already paid the company for that fee. He then asked me for a personal check to reimburse him ( {$550.00} ) to which I agreed. He was supposed to credit this money at closing. About a month later, I got an email from the appraisal company asking to pay the appraisal fee. XXXX XXXX then told me there was a mix up and the company did not pay for the appraisal and told me to pay it to them and he would credit both fees at closing. I unfortunately agreed. At the end of the process, XXXX XXXX attempted to have me sign a mortgage at 4.25 %. I did n't agree with the terms and was able to procure a rate of 3.75 % the same day with another company. Therefore, I did not close with Equity Prime or XXXX XXXX. I asked him then to repay the {$550.00} I personally gave him and he stated he would when he got it back from the company. I have since learned that he is no longer employed by Equity Prime and they did n't know about the money as they never ask for personal checks or money. He has not repaid me and will not answer my requests. 
XXXX XXXX XXXX XXXX NLMS # XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit report lists a collection account reported by XXXX XXXX for {$1400.00} with an Original Creditor Name XXXX XXXX XXXX. I never heard of XXXX XXXX and I never had any contact with XXXX XXXX nor XXXX XXXX. This is not my account and it must be someone elses. Kindly permanently delete this account from my credit report and immediately and permanently mark the account as Disputed By Consumer as required by the FCRA and FDCPA.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The XXXX credit score they pulled was almost 100 points lower than what I receive from my monthly Experian 3-Bureau FICO score monitoring. I expect maybe a few points difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!
Consumer complaint received 2021-12-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX