davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Law Office of Brett M. Borland, P.C. (FL)

Good morning, XXXX XXXX XXXX from called from Brett Borland Law Office in XXXX, GA. I assume she found my business number on my website and called it. That is illegal. She ordered me to return her phone call by XXXX XXXX that day. She is not my lawyer. I do not have to answer to her. As a courtesy, I instructed her to call my mobile phone one time and one time only as a VM. I asked for her identification information and she became irate and started yelling at me. I had to end the phone call. I only asked for her phone number and address. She began to badger me for my birthday to identify me. She called me. I keep asking for her address that's all. 

I believe this relates to the complaint I just filed against XXXX and XXXX XXXX XXXX late yesterday. 

If she is calling about a debt, she can mail it and send it in writing. 

Thank you.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (IL)

I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 163 DAYS SINCE I FILED A DISPUTE. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-06-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (MA)

I paid excise tax back in XXXX, for over XXXX dollars. Car was totaled on XX/XX/20 It was paid off by my insurance. 
I have been trying to calll Chrysler Capital Several times with no able to direct me, or put me on hold and then they hang up. 
I just want my abatement check, they owe me. ( its probably around XXXX ) XXXX XXXX I also put in a complaint before with company on this site
Consumer complaint received 2020-03-18
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: TD BANK US HOLDING COMPANY (TX)

TD Bank failed to correctly examine the documentation we provide to them about the dispute. This fact was discovered when we talked to a rep with the Customer Complaints department at TD Bank who was trying to get all the facts of the case after we complained to the Chairman of the bank. The dispute was regarding the movement of household goods through XXXX XXXX XXXX. The company did not deliver all the goods and delivered some goods with significant damage. TD Bank agreed with the false statements XXXX XXXX XXXX made in response to the dispute and did not verify the facts with us. We submitted almost 100 pages of documentation in two separate letters and responded to all the requests made by TD Bank in a timely manner. The time given to us to respond was less than 10 days every time including the time it takes to receive regular mail. While they ignored all the facts and details, their final response to us said they determined no billing error occurred and they rand out of 90 day window to resolve the claim. They failed to examine the all the facts in the 90 days and now are putting the blame on us. The total estimated of the damages is about {$21000.00}. The credit card charge of {$7700.00} we are disputing covers only one third of the damages we incurred. We didnt sign on any receipt which showed we received all the household goods as expected in the same condition as they were packed so how is that charge valid? TD bank was negligent in examining all the documentation we provided in a timely manner and now their excuse is that 90 days have passed.
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (IA)

Southwest Credit Systems ( SWC Group ) was notified on XX/XX/2020 that this account was a result of ID Theft. I sent in a dispute through XXXX  on said date along with a copy of the original police report verifying I was I victim of ID theft and that my drivers license and ssn had been compromised. Southwest however verified the account as truly belonging to me and marked it a consumer disputes this information instead of deleting the fraudulent information on XX/XX/2020. Southwest Credit systems did this even after having knowledge of this account being fraudulent and having being informed of this by XXXX  ( in lieu of dispute ) and myself. I have attached a copy of the police report verifying I am a ID theft victim.
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I am filing a complaint about Portfolio Recovery Associates They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Portfolio Recovery Associates is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Portfolio needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of contract to include XXXX XXXX # XXXX, # XXXX
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On or about XX/XX/XXXX, received mail from Huntington Bank congratulating me on opening a new account. I did not open any accounts with that bank. 

On XX/XX/XXXX I contacted Huntington via phone and spoke with a representative. She said the account would be closed. At that time I was aware that a checking account and potentially a debit/credit card had been issued in my name. 

On XX/XX/XXXX, I received a statement from Huntington showing accounts were opened for both savings and checking, although with no transactions from XXXX XXXX XXXX. That suggest XX/XX/XXXX may have been the start date for the fraud. 

On XX/XX/XXXX I called Huntington but phone issues prevented the callback ( 50 minute wait ). I sent a note to the Huntington fraud department via their email address from the website detailing the situation again. 

On XX/XX/XXXX I called again and spoke to another representative who said the account should be closed, and not to be concerned if there was no activity. To date there has been no correspondence from Huntington whether the fraudulent account was closed, or when it might be closed.
Consumer complaint received 2020-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I deposited my paycheck XX/XX/20 for {$4400.00} like I usually do on my app. I have never had a problem with check being held. The deposit went through with no issue. I noticed XX/XX/20, though the money had already cleared from my contractor 's bank account, it showed as a hold on my business bank account with no effort from TD bank to communicate the hold. 

When I contacted TD bank on XX/XX/20, the business account costumer service woman I spoke with on the phone was rude and provided no help at all in resolving my inquiry. 

She just stated that there was a 6 day hold on the delivery of my paycheck. Apparently such a " large amount of money '' triggered an immediate hold. This is my paycheck and have never experienced any delays or problems depositing a check. Any lack of clarity on the deposit is immediately captured on the app and deposits don't take place unless there's a clear image. 
I sent a message to TD XX/XX/20 stating the major turmoil this has caused me and got nothing but a generic reply XX/XX/20 Stating " apologies " caused by the inconvenience. Online deposits over {$1500.00} will automatically trigger a hold. Had I been informed of this, I would have never deposited my paychecks on the app. 

I never default on my obligations! I am in good standing with my creditors and my Credit Score is a good reflections of this. 

I called again XX/XX/20 inquiring about the status of my funds and a much nicer woman was kind enough to explain the policies on " large '' amounts of money being deposited on the app, she stated my funds should be available XX/XX/20 or XX/XX/20. She also encouraged me to go to an ATM or to a bank teller personally next time. I work during normal bank hours, making impossible for me to take off to deposit a check. 

Two weeks later, my money is still not available. I had to tap into my savings to make ends meet. Only today, XX/XX/20 I get a letter from TD, supposedly dated XX/XX/20 ( sure!! ) stating that after all, " my check may not be paid ''. I DID NOT received a delayed availability notice a the time of deposit. 
The fact that TD Bank is doing this to any human being DURING THE CORONA VIRUS outbreak it's CRIMINAL!!
Consumer complaint received 2023-06-22
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has invaded 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 an account without my written instructions
Consumer complaint received 2021-06-17
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 has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Collections, Inc. (MO)

I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MD)

I have a credit card opened with Citibank from XXXX with an APR of 29.99 %. 

A promotional balance transfer was offered to me over the Citibank website, 0 % APR until XX/XX/XXXX with 3 % origination fee. I called Citibank on or about XX/XX/XXXX to ask whether I could request this balance transfer on my current card. The terms indicated that if I make continued purchases with the card, I would continue to have the 29.99 % APR applied. 

I called to clarify whether this was creating a new account or whether this would be applied to my current card ( where, as explained, I would not be able to continue to purchase goods without accruing interest ). The associate on the phone did not speak English well, so I had to rephrase my questions several times. Ultimately, she explained that no, I would not accrue interest as long as I paid off my purchases month-to-month, while keeping the balance of the balance transfer there. 

I processed my balance transfer on XX/XX/XXXX and subsequently checked my online account. My account balance after it was processed included both the balance transfer and my purchases. I called back to ensure that I would not be charged any interest if I paid off my purchases month to month, as I was explained. 

The associate on this call ( XX/XX/XXXX ) explained that this was not true. As long as I was using the credit card at all for purchases and EVEN IF I paid off the balance month to month, with the balance of the balance transfer on there, I would be charged the APR ( 29.99 % ) of the purchases each month. She explained the only way to rectify this would be to open a new credit card for purchases only. 

I explained that I had been told differently on a previous call and would like to file a complaint. I again asked how to rectify this. I was told there was nothing else I could do aside from opening an entirely new account. I was told my complaint would be " noted. '' Now, I am stuck with the balance of the purchases and the balance transfer, with the potential of paying a full APR on the purchases, despite paying them off month to month completely.
Consumer complaint received 2021-06-17
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: Experian Information Solutions Inc. (VA)

I had a tree take out my house XX/XX/2017. This traumatic event meant I had to live in hotels and an apartment while XXXX rebuilt my house. During this time, I was not receiving my mail on a regular basis and I had to establish an array of payment arrangements with XXXX, a creditor for my younger son 's viola. Despite my paying XXXX and the music collection agency, XXXX, these debts are still shown on my credit score. When I log into Experian, my FICO scores show as XXXX with Experian and XXXX with XXXX. However, when banks pull hard credit records, they report low scores of XXXX. It's very confusing as I paid off the majority of my home with my ex-husband but I'm being penalized as if I never had a good mortgage payment history. 

Documents I am including are : a snapshot of my current scores from when I access Experian 's website ; XXXX paperwork showing my case re : rebuilding my home and settlement paperwork from the sale of my house, which could not have gone forward if the loan was in arrears. Correspondence fro XXXX is also attached. 

I appreciate feedback why credit records have little accuracy and accountability ; I have been working to fix my credit for over a year ; it's quite disheartening. 

Thank you for your time. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

SEQUIUM ASSET SOLUTION Account XXXX Historical Info Original CreditorXXXX XXXX  Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX The company says I owe XXXX for a high speed modem that was hard wired in my apartment that I vacated. The address was XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX. I was told by the installers that the modem can not be removed because it was wired into the wall. I spoke to several representatives of XXXX and they took notes and scheduled a technition to reove the modem. I was told that I was not responsible for the XXXX becuase the modem was hard wired into the wall and I would not be able to return it to XXXX.
Consumer complaint received 2020-03-18
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

At XXXX on XX/XX/2020 I went to XXXX XXXX, located at XXXX XXXX   XXXX XXXX , XXXX , Az . I was looking to see if I could upgrade my vehicle. The salesman, XXXX showed me 2 vehicles, one in particular a XXXX XXXX XXXX XXXX XXXX XXXX /XXXX. I distinctively told him not to run a credit report,, because I was only looking and to possibly trading in my XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Yesterday i was the victim of fraud and identity theft. A made up company called my bank pretending to be me. Took out a claim on a payment i made almost a month ago. My bank wells Fargo with no issues gave them ( my account ) a XXXX dollar provisional Crdit. After the credit was put in the account the theif zelled themselves the XXXX outta my account. I DID NOT AUTHORIZE this. I called the fraud department and reported them being told my by bank that it would be handled and i didny have to worry. I woke up today after going to sleep with a positive account of XXXX dollars and this morning it was negative XXXX dollars. They took all my funds from me and wont reverse it. I never authorized or took out a XXXX dollar claim nor did i ever XXXX someone money. credit nor the XXXX that they allowed. They physically put the funds in the account for these people to take and now wont help me fix the problem and are making all of the problems worse. I want my money back. The were so willing and eager to give give frauds access to funds in my account but wont give their own true and real customer THEIR MONEY BACK
Consumer complaint received 2020-03-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MD)

I originally took out the loan for {$14000.00} but due to limits I was allowed to have {$11000.00} and the remainder was sent back. The record still shown that I received {$14000.00} and have been charged interest on this amount for over fifteen years which has increased the over loan amount tremendously with all the interest. I have tried to talk to several people over the years but they say it is correct but it is not. They have not been trying to help me to get this correct. This has caused a financial hardship on me and my family and was a factor in me filing bankruptcy. The over all amount of the loan should be lowered and recalculated or the loan should be waived.
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CO)

Diversified Adjustment Service Inc is collection agency reporting an account on my XXXX  and XXXX   credit reports. On XX/XX/2020, I sent them a certified letter requesting they validate the debt by providing written proof of the debt and their right to collect it via postal mail or immediately delete the debt from my credit reports. They received my certified letter on XX/XX/2020. On XX/XX/2020, I received an email from their representative that did NOT include the requested validation information, thus failing to validate the debt. I insisted she immediately delete the debt from my credit reports. As of today, Diversified Adjustment Service is still reporting the debt. Because of this, they are in violation of the FDCPA and illegally reporting un-validated, negative information on my credit reports.
Consumer complaint received 2020-03-18
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Financial Services, LLC (PA)

I have 3 problems. A lot of my debt for my student loan has gone into collections. My most recent problems first. I recently had a lot of debt taking off my credit report. Then I received a letter from a debt collector Ive been dealing with for over 10 years. The recently sent me a letter to resolve all issue with a one time payment of XXXX dollars for student loan debt. When I called them back I tried to enter my account number and it didnt work. Then I noticed they changed the date to make it look like I just started dealing with them so this debt will remain on my credit report for the next 10 years. I also noticed the account number they gave me didnt work when I called them XXXX {$58000.00} is the loan. Thats the first problem. I recall dealing with this financial institution since XXXX. Action financial services. I feel like some is committing fraud to try to keep my loan status on my credit report. Also my next problem is I went to XXXX XXXX XXXX and em a XXXX graduate. The company got sewed for a million reason and there was I believe a class action law suit filled that gave people who went to the school student loan forgiveness. Ive asked this institution for as long as I can remember to help me out with this and they always said they could as soon as I put my loans into Forbearance. Last I remembered have full custody of XXXX XXXX XXXX   children and having to sacrifice my whole career for them. Needing XXXX  and constantly having to go to doctor appointments. I was told that this should eraced my loans or at least made a difference. Needing help and dont know where to turn.
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RockLoans Holdings LLC (TN)

I XXXX XXXX, the consumer sent an Affidavit of Truth to Rocket loans on XX/XX/2021, to validate an alleged debt obligation. I have no knowledge of it and never received notice. Rocket loan never acknowledged nor responded to me. I need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g REMOVE AT ONCE.