davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

This is regarding TD Bank, Routing number is XXXX and my account number is XXXX. 
I made the deposit with the branch manager verifying the check. The account was open with the bank manager present and not only has TD Bank fraud department put a hold on the check, they just returned the check and said I am short {$14000.00} in the account. I just put {$16000.00} into the account to cover the 1 day hold, but I do not keep this type of money in my savings. Below is the new reason why the check is no good and now they are freezing the account of the maker of the check. 
Read below : The issue is the handwriting of your name doesn't match the rest of the check, so our back office team says the check was altered. It triggered the check being returned and XXXX account being frozen because of it. I'm on hold trying to work with them on a resolution as I type this. 

The branch manager saw the check being written, the branch manager was there when the funds were deposited, In the name of XXXX, I have done everything that I can to do this correctly. TD Bank is just digging in their heels and trying to cover there mistake with different reasons and lies. Why can they just say, my mistake and fix the problem instead of messing with people 's lives and businesses!!!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX I put down a limit of XXXX dollars for 15 months I paid my card on time and accordingly. Unfortunately due to a string of tragic events I was unable to keep up with secured card balance. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being labeled Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 U.S.C 6827 ( 3 ) The term document means any information in any form. I demand this company Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes Transunion, XXXX, and XXXX. The Provisions of 15 U.S.C 1601 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advise that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in contract/agreement giving that option to share my nonpublic information. 15 U.S.C 6802 ( B ) 1b the consumer is given the opportunity, before the time that that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 U.S.C 6802 ( B ) 1c the consumer is given an explanation of how the consumer ca exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction XXXX without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., Transunion, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I, with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Global Lending Services LLC (TX)

We went to XXXX of XXXX texas about a month and a half ago. It took forever to get approved for loan for vehicle. Ever since we got the vehicle, there has been nothing but problem after problem. We tried getting XXXX to trade us out of the said vehicle into another vehicle. Global lending services has been helpful trying to get us a substitution of collateral from XXXX of XXXX. XXXX of XXXX has not been helpful in any case at all. They sold us a car with lots of problems and refuses to help resolve the issue, basically saying " sorry about your luck reapply for credit. '' And we have been denied because we're stuck in this loan with a faulty car, and XXXX of XXXX has not helped whatsoever.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion have placed a extended fraud alert on my credit report and I have sent a register letter proving a request for the extended fraud alert to be removed and they requesting me and forcing me to give them my private information and I am under duress I was not able to get a mortgage because they delaying the removal and I had went to the XXXX because they causing me XXXX I will take legal action in Supreme Court because they do not want to remove the extended fraud alert that is placed innacurate in my credit report and without my consent.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX This is a fraudulent account I did not authorize this. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Otherwise, anyone paying for services from the XXXX major reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I took out a {$15000.00} private loan in XXXX for XXXX XXXX from XXXX XXXX ( which was later transferred to Navient ) while I prepared to study for the CA XXXX exam. In XXXX I filed for Chapter XXXX bankruptcy and had my debts discharged. I listed the private loan on the schedule but was told it was not dischargeable in bankruptcy. After the bankruptcy I continued to pay on the private loan and still have a balance today. I recently saw an article about a decision in a Navient case that said this loan should have been discharged and I could file a complaint for assistance. 

Here is the article : https : XXXX I have spent over {$15000.00} in payments and still owe about {$8000.00}. I would like help sorting this out.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

The company is usa auto sales they went bankrupt and transferred my account to Westlake financial. The amount is in correct and payments wasn't received cause the amount that's owed is not correct I paid more than was reported cause alot of times I paid with cash. They took premium payments from me also.
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-08-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CO)

I took out a private student loan in XXXX in the amount of {$6000.00} dollars when I attended XXXX XXXX. XXXX closed and was deemed a predatory college under the new student loan guidelines. Navient dismissed many of the loans from XXXX but said mine was not eligible because XXXX is now XXXXXXXX XXXX XXXXXXXX. I filed for XXXX  XXXX bankruptcy in XXXX of XXXX. I included this loan in the bankruptcy. According to the courts it was dismissed, but Navient says I still owe on it. I recently saw that Navient was held to a large financial judgement for making people pay on their loans even after it was XXXX in bankruptcy. I have been paying on this loan for 18 years and the balance is only XXXX dollars less than I started with. I feel like I am unjustly held to a debt that was XXXX 11 years ago. Enclosed is the bankruptcy discharge letter, student loan information from Navient and other details. I asked them to settle this debt for {$1200.00}, but they refuse. I just want it gone.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC (AZ)

Early warning LLC. They are housing illegal information! I did not give my consent to be reporting anything off my consumer information! You are creating hardship on my live illegally! I never signed any documents to have my information to be released and transmitted! Remove my information from your data files or Ill be for to take legal actions against you! They are not following the Fair Credit Reporting Act! They did not reply back to my disputes! Can you provide some proof that I gave any consent for sharing my personal information and banking information?
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (IA)

On XX/XX/year> I was contacted by Williams & Fudge via text message.They claimed to have a debt from XXXX XXXX XXXX XXXX for {$150.00}. While I do owe money to XXXX. Its not {$150.00} its {$120.00}. I am still paying on it and I am not sure why XXXX  sent it to collections. Williams and Fudge Inc has not sent me a letter asking me to verify this debt. They have blatantly violated the Fair Debt Collections Practices Act by not sending me a letter 5 days after making contact. Today is now the XXXX of XXXX. Thats 4 days over the 5 day period. I provided them with a screenshot that shows I only owe {$120.00} on XX/XX/XXXX through text message. They are continually harassing me and it needs to stop.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (SC)

Coinbase Account. Case number XXXX ; Case number XXXX. 
Unable to log into my Coin base account. Need tax statement for filing. 
I have been locked out of my account since late XX/XX/XXXX. I have repeatedly contacted Coinbase CSR and emailed ( help @ coinbase.com ) on my accounts status. To date, the account is locked. 
Time-line. 
Date Response XX/XX/XXXX Called CSR, was told to email my request. 
XX/XX/XXXX Emailed, received back a Case number XXXX. I would receive a response back with 15 days. 
XX/XX/XXXX Called CSR ; XXXX looking into my request ; no time line. Gave me the Case number XXXX XX/XX/XXXX Called CSR in process ; will send an email. 
XX/XX/XXXX Called CSR in process ; will email XX/XX/XXXX Email Coinbase looking into my case XX/XX/XXXX Emailed Coinbase email address in no longer enabled.
Consumer complaint received 2024-02-25
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (FL)

I write to you for having been deceived and scammed by the company Freedom Debt Relief when I talk with them, I let them know that my interests were to improve my credit with the objective of buying another property and they recommended debt consolidation making payments every month to eliminate the existing debt that was generated by economic problems that were happening at that time. What they didn't tell me was that it would take more than 6 months, that by not paying my credit cards on time they would seriously damage my credit score and that in the end they would not help me resolve the damage to my credit and meet my goal of buying another property. I am still interested in my goal and in being able to invest, although with this credit that I have now it is more complicated to request loans from institutions. I turn to you to look for a solution to my problem and to address my case, understanding how there are companies that do not provide you with real information and that later are not responsible for fixing the damage caused.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stride Funding, Inc. (TX)

Stride Funding uses XXXX XXXX  to manage an Income Share Agreement that I signed for my time in the XXXX XXXX XXXX XXXX XXXX  The company has on multiple occasions debited unauthorized amounts from my checking account. Most recently, on XX/XX/XXXX, with my account in good standing and without any past due amounts, they drafted {$630.00} from my checking account without my authorization. This amount is the total amount due for XXXX, which isn't due until XX/XX/XXXX. My payments are drafted bi-monthly for half on the XXXX and half on the XXXX, but due to what they described as an " error in their payment system '', they drafted the full amount on the first and the recurring payment that was set up was cancelled. When I called on XX/XX/XXXX to complain about the unauthorized draft, they said they would refund the money and it would take XXXX business days. As of today, XX/XX/XXXX, that money has not been returned. Additionally, I learned today that they mistakenly initiated a refund for a legitimate payment processed in XXXX, and now my account is flagged as Past Due and assessed me late fees. ( For visibility they did waive the late fees, but my account still shows past due and I received a call for payment ). This second refund which was never requested has also not been returned to my checking account. 
As I mentioned this is not the first time this has happened, and in the past I was forgiving enough to let the issue pass, but as the company has repeatedly mismanaged and abused my account, I want to register a formal complaint against them.
Consumer complaint received 2017-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

The collection agency was advised that I had   XXXX   XXXX   and member ID is  XXXX .. The collection agency was advised that hospital had info and nothing was done to verify these statement instead the agency called 36 times in one day and continues to call. As I advised the employee from hospital and collection agency they must bill   XXXX   XXXX   then I will appeal claim and   XXXX   XXXX   will pay.
Consumer complaint received 2023-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF OMAHA (KS)

Hello, I am writing to file a complaint against First National Bank of Omaha, the current holder of our mortgage. 

My wife and I were continuously traveling the month of XXXX and early XXXX for business and then vacation. We had received a notice in the mail a couple of months earlier that our mortgage payment would be changing, but I did not recall XXXX was the month. 

I was paying my bills on the road and did not have access to that paperwork. Pure regular mortgage payment had been {$3100.00} and change. Per my usual practice, I sent the payment plus a principle payment in the amount of {$3500.00}. That payment was submitted through XXXX XXXX XXXX on XX/XX/XXXX and was received by FNBO on XX/XX/XXXX. 

This was not enough to cover the updated payment amount of {$3500.00}. FNBO placed the balance in a suspense account and held it. 

On XX/XX/XXXX, while traveling in XXXX, I realized my error and promptly sent {$150.00} to cover the shortfall. I had no way to get the payment to FNBO any faster. That payment arrived to them on XXXX, where it was placed in the suspense account and was finally credited 5 days later on XX/XX/XXXX. 

While still traveling, we noted that FNBO had reported us late to credit bureaus. We have worked very hard over the years to keep our credit clean. 

We had an amazing experience with the lending officer we worked with at FNBO, who told me, XXXX, if you GO with FNBO, you'll never be treated like a number. 

I reached out to the Chief Credit Officer, explaining the mistake, and asking for a goodwill adjustment to our credit report. I was met with a response that FNBO was only following the rules, rules they have no choice in, and could only remove the report if there was a bank error. 

After going round and round with him, I contacted the CEO and asked for his help, He also quoted the rule book to me and claimed their hands were tied. This culminated in a letter I received yesterday stating they could not and would not change their positiinl My research indicates that's the letter of the regulation, but not the spirit of it and that as the reporting entity with the power to decide whether the payment was considered late, they had leeway to make a change in reporting. 

Their attitude was completely unhelpful and they didn't seem to care about the legitimate circumstances that caused the error or my effort to fix it as soon as I realized it, I want them to remove the mark from our credit because it's an unfair reflection of what happened. I seek your help in mediating this situation. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2023, there were five ATM withdrawals taken from my account that I did not make or authorize. I contacted the customer service and fraud department of my financial institution the next day ( XX/XX/2023 ) and filed a fraud claim. My cards were canceled to prevent further losses. 

After a 10 day investigation, my financial institution denied my claim. I called my financial institution back, had the claim reopened. This time, I sent a letter to them and filed a police report with my local police department. 

I just received an email from my financial institution that after another 10 day investigation, my claim has been denied because no errors were found. The error is someone not authorized to use my account has withdrawn money.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 I was alerted of money taken from my account and was called by chase to resolve the issue. Instead they coached me and ended up taking all my money in total of {$13000.00}. I dont know what to do anymore. I was stuck at work and not near any chase bank branch to help me. I went to a chase branch before dor the same problem and all they did was give me a new debit card. No help by chase whatsoever.