davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

I opened an account with TD Bank through https : //www.td.com/us/en/personal-banking/checking-aff-incentive-55/. It offers " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. " I completed {$5500.00} of direct deposits ( verified with paystub emailed to a representative ). The bank is refusing to pay out the {$300.00} bonus, as they are claiming I opened the account in branch ( I opened online ) and I used a direct mail mailer not targeted to me ( I used a public internet link ).
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: NAVY FEDERAL CREDIT UNION (MI)

Hello I recently got approved for an automobile via XXXX XXXX XXXX XXXX. There are other credit inquiries on my report and I do not approve of. To my understanding no company can report any thing to harm your credit and Ive been accepted for the loan which means it should not impact me in a negative way considering the fact I got approved. Also there are other times my credit was ran for a vehicle around the same time I need all inquiries to come off expeditiously, thank you.
Consumer complaint received 2023-12-03
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. (GA)

Requested that the erroneous info be removed as I dont owe the debt, XXXX XXXX did not provide any proof that dent was actually mine and Experian is parroting this incorrect information. Please ask them to remove it.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

I have a citi retail services, citi bank online card with them and LLbean. Called on XX/XX/2020 due to the XXXX XXXX outbreak, and being infected. Could barely talk. Told the guy that I need to defer the XXXX payment due to hardship. He said dont make the payment and you will be penalized. Other credit card companies I have dealt with now waived payment and interest for one month. I presented this to him. Left me on hold waiting for supervisor for 2 hours before I hung up.
Consumer complaint received 2019-12-29
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: DISCOVER BANK (IN)

While XXXX XXXX my idenity was compromised. During this time several hard inquiries were made on my XXXX credit report. I have listed them on the attached FTC reports. I am requesting that the creditors and XXXX  immediately remove this from my credit file as it is affecting me economically. Please note some of the accounts mentioned are listed multiple times. I have never done buisness with these companies and demand that these items be removed immediately.
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (NC)

Alright, I am aware covid restrictions have been lifted. I sent this mail on XX/XX/2021 to all three credit bureau 's AND still no response other than we are working on it from these bureaus. I put in a CFPB complaint when they didn't respond to me after 30 days. Now this was has been far longer than 45 days and still no resolution. FCRA 15 USC 1681i in that very first paragraph states 30 days for investigation and 15 days for an extension. It's been 48 days! The law says if the items can not be verified within 30 days the investigation can not be more than 30 days. Clearly, there has been trouble finding the information required because it was never sent to me by the company! It was never sent to me which violated 15 USC 1666b ( a ). Now this is violating 15 USC 1681i ( 5 ) ( A ) and the treatment of unverified information after 30 days must be modified or promptly deleted. So can I please have these false late payments be modified to paid as agreed pursuant to law. These are written instructions I am giving to the credit bureaus according to 15 USC 1681b ( 2 ) and that law states there should be no consumer reports furnished without my written instructions. At this point, I feel like I am the only one reading this law. Please help and correct this fraudulent information. It's been 48 days. I am tired. This is extremely unfair and from my understanding, unlawful. I plan to go to the XXXX  and the Attorney General next.
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

Compliant Against : New Rez LLC. d/b/a Shell Point Mortgage Servicing, XXXX. XXXX, XXXX, XXXX, SC., XXXX Fees to reinstate my loan are not accurate after loan was transferred to this company. Inflated loan reinstatement amount requested- and Denied Loan Modification for conventional loan. Email sent to companies point of contact informing him of incorrect reinstatement amount. Reinstatement amount grossly inflated. 
I am XXXX.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Interest Rates are at an all time low. 
I have 3 Capital One accounts Ending in XXXX, Interest Rate is  21.99 % Ending in XXXX. Interest Rate is 24.40 % Ending in XXXX, Interest Rate is 23.90 % I have had one of these accounts for 23 years and never missed a payment. 
With the economy, stock market and Corona Virus weighing on me, I asked Capital One to consider Interest Rate relief. I spoke with Capital One on XX/XX/2020 about lowering my Interest Rates, but Capital One said they would not work with me. 
I need help please.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

ARS. In XXXX Florida states that I have a medical bill in a state that I've not lived in at the time they are stating I lived in Ohio there is no way I could have went to where they are claiming I have contacted them omg they are so sp rude told me if I didn't pay they are just going to sell to someone else and hung up on me. I've disputed on my credit report still no help. I'm hoping and praying you can help me with this rude company. They are advising that I have 2 accounts in there office Date XX/XX/2016 Amount 1. {$850.00} 2 {$570.00}
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

We have a mortgage with CHASE for our home, and we have been doing the loan payments on time. 

This week, XX/XX/2020 we have received a letter from CHASE letting us know that they are selling our loan, and it is been transferred starting XX/XX/2020 to XXXX XXXX XXXX ( XXXX ). 

We have reviewed online XXXX  and we have found terrible reviews for XXXX XXXX XXXX, we found it is a shark loan servicing company based in XXXX XXXX XXXX, Utah, and has an additional office in XXXX, Florida., and we found that XXXX is not accredited by the XXXX XXXX XXXX ( XXXX  ) and has received hundreds of complaints for billing/collection problems and potential FDCPA violations as you can find in the following link :. 

XXXX XXXX XXXX Since them we have tried several times to contact CHASE customer service ( XXXX ) for this matter, we are getting messages that for the CORONAVIRUS situation they are not able to answer the call before two and a half hours, so we have not been lucky getting any help with this alarming situation from CHASE We have a big concern and complaint that CHASE is not taking care of their customers in this CORONAVIRUS PANDEMIC, they are choosing the worst moment to sell our loan and let us unprotected in difficult times, and we are really on panic that this transferring of our loan may conduct to a future foreclosure process of our home.

While other banks are looking for ways to help their clients in this time of crisis, CHASE is trying to get away from his clients and is treating them like trash, leaving them unprotected at a crucial moment. 

Attached please find letter received from CHASE wit this announcement that has a big impact in our lives at this moment.
Consumer complaint received 2020-03-20
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: NCB Management Services Inc. (VA)

NCB Managment Services - Says its in collections for {$2900.00}. With XXXX  NCB Managment Services -  Same thing - With XXXX XXXX XXXX {$890.00} Says it is in Collections With XXXX XXXX XXXX XXXX - {$99.00} Says it is in Collections With XXXX  These accouts are definitely not mine
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

LVNV FUNDING LLC failed to validate this alleged debt.

I refuse to pay this alleged debt until the proper validation of this debt is provided. Please have LVNVFUNDING LLC cease and desist all collection activities until you can properly validate this alleged debt.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (AK)

TransWorld System Inc XXXX XXXX XXXX XXXX XXXX  Pennsylvania XXXX ( XXXX ) XXXX Is unlawfully reporting information to credit bureau ( s ) ... 
I do not owe any money to their customer at anytime.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-12-31
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Due to the coronavirus epidemic, XXXX XXXX County is shut down which has caused a loss of business and therefore a loss of income. After watching President Trump address the nation and letting us know that our mortgage companies and other companies are working with Americans to help in this difficult time, I called Specialized Loan Servicing to find out how they are helping its customers. I explained my situation to XXXX in their XXXX Office. XXXX explained that SLS was  offering a 1-3 month forbearance to it's customers. There would be no late charges or reporting on our credit. BUT here 's the catch after the three month forbearance is up all monies are due for the three months mortgage. I asked how is that helping someone that is setting the consumer up for failure. My mortgage is {$3400.00} a month and to come up with three months at one time would be impossible it would put me in the danger of foreclosure. I asked why wouldn't the company simply put the three months at the end of the loan they would still effectively get their money. They did not have a valid response. 

In this unprecedented time it is shameful that Specialized Loan Servicing would take advantage of its customers by claiming to help but actually putting them in a worse predicament. If they are going to help they need to offer tangible help by allowing consumers to put these payments on the end of the loan. No other option of help was offered to me by SLS so I am not sure if their are more available options. 

You're attention to this matter would be greatly appreciated.
Consumer complaint received 2020-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Universal Account Servicing, LLC (WA)

The FTC filed a lawsuit against XXXX XXXX XXXX stating XXXX made fraudulent claims older folks like myself could make money on the stock market using their training program. I took a {$25000.00} loan out to pay for my training with XXXX through a second party XXXX  works with and recommended to me called Universal account Servicing LLC. I made a downpayment to UAS of {$1900.00} on XX/XX/XXXX. 
The loan # is XXXX My monthly loan payment to UAS is {$1200.00} due on the XXXX of each month which commenced on XX/XX/XXXX. 
I paid for XXXX, and XXXX but discontinued payments effective XX/XX/XXXX due to not getting training and services I was promised. 

I called UAS 3 times to inform them of my decision. I contacted them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inform them of my intentions to stop paying for a service I was no longer able to use due to FTC lawsuit. 
I left messages with UAS on XX/XX/XXXX and XXXX but did talk to a customer service rep named XXXX on XX/XX/XXXX to inform her I was not going to continue to pay for a service I was no longer able to access. My case # is XXXX. 

I am still being billed by UAS and threatened with late payments per letter received via mail XX/XX/XXXX. 

The FTC directed XXXX to stop receiving payments from students for training they are no longer able to receive while FTC lawsuit is pending. Perhaps due to my loan with their recommended agency UAS this cease and desist order does not apply? If not it should because I was promised a LIFETIME of free training and only got 1.5 months. 
Their trading platform, XXXX  is still in XXXX mode so worthless and their XXXX XXXX is closed for business so I am not able to take classes there. 

I should not be expected to pay for a lifetime of services that was only offered for 6 weeks and is no longer available to me. I should not have to be stressed out that they keep billing me with threat to my credit rating and late charges accumulating. This is grossly unfair to charge to a product or service that they are not providing.
Consumer complaint received 2020-03-19
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 applied for a XXXX XXXX credit card today XX/XX/20 and unfortunately, I was not approved because there is an account and a few inquiries reflecting negatively on my credit report. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from several different companies all of which I did not apply for and do not have any type of signed contract or agreement. None of the inquiries and account I listed on this report do not belong to me and I did not allow anyone to open this account or make these inquiries in my name. I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards this account. I already filed a police report regarding these suspicious items on my credit report.
Consumer complaint received 2022-12-31
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-31
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. (NJ)

To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XX/XX/XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WI)

My credit limits have been reduced with a couple of cards through Synchrony Bank. The first card was with Sam 's Club Mastercard. They did not provide notice regarding this issue. I called on XX/XX/XXXX to discuss the concern and they stated I would need to speak with XXXX. However, I received a notice the following week regarding the issue ( Please see attachment ). I spoke with XXXX and they stated that Sams Club is the creditor that reported the negative items on the report after lowering my limit. According to XXXX, there are no late payments, bankruptcies, or collections on my report. All payments have been made on time. I spoke with Sam 's Club and Lowes Credit and they stated that they can do what they want to do with your credit limit. I believe this very unfair and no reason to reduce limit especially when I have made my payments on time. Synchrony bank has damaged my credit by lowering my limit and has responded in a negative way. I have not received the letter from Lowes as of yet. They stated that it was mailed.
Consumer complaint received 2020-03-20
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: BARCLAYS BANK DELAWARE (VA)

I bought a Telescope for {$76.00} from a company on the Internet called XXXX XXXX at XXXX XXXX  EST on XX/XX/XXXX. My Barclays credit card was charged {$76.00} at XXXX XXXX  on on XX/XX/XXXX. I asked them for a Tracking number and never received the Telescope or a Tracking Number. I disputed the charge with Barclays on XX/XX/XXXX. The last 4 digits of my credit card are XXXX. The Barclays Dispute no. is XXXX. I have called them every week to find out the outcome of my dispute. Barclays gave me a temporary credit of {$76.00} in XXXX, XXXX then removed the credit and charged me again. The name of the merchant is XXXX They sent documentation to Barclays that my Telescope shipped on XX/XX/XXXX via XXXX XXXX. The XXXX documentation shows that the Tracking number was XXXX. Barclays said that they charged my credit card when the merchant provided the valid Tracking number. 

Barclays sent me the results of my dispute in a letter dated XX/XX/XXXX. 
I went to the XXXX XXXX website. It said that Tracking number XXXX went into the US Postal System on XX/XX/XXXX. The XXXX documentation shows my correct home address which is XXXX XXXX XXXX, XXXX, VA XXXX. 

I went to the XXXX, VA Post Office. A Supervisor looked up Tracking number XXXX. XXXX was delivered to XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX at XXXX XXXX. That is the wrong address. THE MERCHANT PUT THE WRONG SHIPPING ADDRESS ON MY ORDER. The USPS Supervisor gave me a copy of this in writing.

I called Barclays on XX/XX/XXXX with this evidence. They said for me to mail or fax it to them and they would immediately credit me {$76.00}. I faxed the USPS printout showing the wrong shipping address was on Tracking number XXXX on XX/XX/XXXX. They acknowledged that they have received the fax proving that the Telescope was shipped to The Wrong Shipping Address by the Merchant yet they have done nothing. 
Nothing has happened. When I call them, I am put on hold for 45 minutes. When I do reach a person, all I get is XXXX   Excuses. Please help me get my {$76.00} back. I called them yesterday, XX/XX/XXXX and was on hold for more than an hour and never reached anyone. I gave up. I called them today, XX/XX/XXXX and was on hold for more than an hour and never reached anyone. I gave up again. 
THIS IS CONSUMER FRAUD. This has been going on for over 90 days. Please assist me. Thank you in advance.