davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, 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. (NC)

I received an alert via the Experian app that an " update to my court records '' had been posted. Upon further review, Experian notified me that my account had additional names attached to it that was not mine. The name attached was XXXX XXXX XXXX. Whereas my name is XXXX XXXX XXXX, XXXX. Upon updating that information I was instructed to check my credit report to ensure all information was accurate. I then checked my credit report and have noticed there has been a string of hard inquiries spanning from XX/XX/XXXX to XX/XX/XXXX. I have no idea where these inquiries have come from. Upon reaching out to Experian, I was initially instructed to contact the " request originator '' ( company that pulled my credit report ). Upon doing so, I was informed by the companies that there was no record of my application on file. I was also told by the " request originator '' that the only course of action I had was to reach out to the credit reporting agency. I have since then reached out to Experian to inform them up this information, only to be met with the statement " there is nothing we can do until you call them '' /. After repeated communications with Experian informing them of the situation, I was left with no resolve. I have decided to contact the consumer finance division in order to gain assistance in having the erroneous hard inquiries removed from my credit profile as this is potentially effecting my employment.
Consumer complaint received 2021-04-02
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: JPMORGAN CHASE & CO. (GA)

RE : VISA : Southwest Rapid Reward credit card. Charge Date : XX/XX/2020 {$1200.00}. 

The credit card company did not respond to my secure on-line messages about complaint re : charges. During the start of Pandemic era in XX/XX/2020, it was not practically possible to reach the credit card 's customer service by phone due to prolonged delay in getting phone answered. When I was able to reach them after a few weeks, credit card company told me to raise the issue with the companies who charged my credit card. The said companies were not co-operative and dragged matters. 

When my efforts with the charging companies failed, I requested the credit card company to retract the payment in my favor and resolve the dispute. The credit card company failed to do anything, and delayed all matters. AND did nothing to resolve the dispute.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On or about XX/XX/XXXX I applied for a loan modification with XXXX XXXX. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, XXXX XXXX reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by XXXX XXXX has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for XXXX XXXX to stop reporting late payments that were never late. 
In addition to XXXX XXXX reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly on my credit report
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On or about XX/XX/XXXX I applied for a loan modification with XXXX XXXX. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, XXXX XXXX reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by XXXX XXXX has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for XXXX XXXX to stop reporting late payments that were never late. 
In addition to XXXX XXXX reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly on my credit report
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (PA)

I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the following proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a formal complaint against XXXX located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-04-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I took out the loan in XXXX for $ XXXX I've paid {$250.00} a month since XXXX. 
Today, I owe {$19000.00}. 
The interest rate on my loan is currently XXXX. 

My debt has been bought from Sally Mae and sold at an unfair rate that I never approved. 

I lost my job due to the pandemic and took as much forbearance as they allowed. Now I'm all out of deferment/forbearance time and they're punishing me by raising the interest. 
I can not make any more full payments. They do not give options for partial payments. Because I can not make payments, they've started charging penalty fees. 

Navient calls my house 20+ times a day. 

They have called the police on me XXXX XX/XX/XXXX XXXX They will not let up, and now they are harassing my father. 

I am a single mom. I fear we will be homeless by the end of the year due to their predatory nature. 

How is this allowed?
Consumer complaint received 2021-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (AZ)

Exeter 's website has failed to process payment several times resulting in late fees. I reported the error and sought guidance from their customer service team in XX/XX/XXXX on how I might submit payment. To date they have failed to remedy the situation. Neither their website nor customer service team disclose any reasonable alternative payment methods. 

I've got screenshots showing a variety of attempts to make payment via XXXX, XXXX, and XXXX XXXX, on XXXX XXXX, XXXX, and XXXX XX/XX/XXXX. The error message presented specifically states that the errors are the result of using an incompatible browser, which is inaccurate. The error message fails to make available any information regarding alternative methods through which to make payment. 

Their predatory tactics involve failing to apply payments accurately while an unwarranted fee is in dispute, making available an unreliable and broken online payment system, reporting inaccurate account balances, and failing to disclose reasonable alternatives for submitting payment.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tate and Kirlin Assoc (CA)

First of all they are calling my place of employment. The messages left are recorded stating they are going to contact my Human Resource Department to take proper action on this matter. I called back several months ago, they are trying to collect a debt on a balance that was discharged over 11 years ago. I asked them to send me paperwork that showed the balance is mine. They could not even tell me if it was from a credit card or a store credit or a definite place this balance was from. They just wanted me to agree to a payment arrangement. I told them I could not do that untill they sent me the paperwork that backs up their claim. Until this date I have not received anything in the mail, however the calls have not stopped. 
They come from a local number and to mask their identity. They never gave me the name or address of the company either.
Consumer complaint received 2023-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc. (GA)

After reviewing my credit file on XX/XX/23, I identified a discrepancy with account listed under Designed Receivable Solutions. I requested validation on XX/XX/23 as this was not an account that I recognized. They responded with a copy of the debt that I don't recognize without any validation. I reviewed my credit file again on XX/XX/23 and this account continues to reflect on my credit report. On XX/XX/23, I sent out a 2nd validation request letter. I have not received any response and as of today XX/XX/23, this account is still being reflected on my credit report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (MA)

All of the sudden today, XX/XX/2021, I tried to login to my online account as usual and it happens to be blocked by TDBank. They require for me to go to the branch with covid-19 pandemic to witch I refused and requested for all my funds to be sent to me in a check and my account with them to be closed, they said they won't do it so now they have my money that I need for my family and they won't send it to me. 

I also requested a video call and they said no. I don't want to meet with anyone since I have insuficient inmmune system and contact during pandemic is not good. I would like for them to unblock my online account or send me my funds via check and they are no helping me, it is very frustating in this hard times for me and my family. 

When I tried to login my password did not work, they blocked it. TD Bank can not keep my money just like that. 

Please help.
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX North Carolina XXXX TD Auto Finance XXXX XXXX XXXX XXXX, MI XXXX Wrote : Description of account, Transaction, or Requested Credit : Your application for the sales financing of a motor vehicle was submitted to us by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX on XX/XX/2021. 
We have declined your application. 
Our credit decision was based in whole or in part on information obtained in your reports ( s ) from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA, XXXX WWW.XXXX  XXXX. ( XXXX ) XXXX Your credit score, obtained on XX/XX/2021 was XXXX. Scores range from a low XXXX to a high of XXXX. Key factors that adversely affected your credit score : Lack of recent installment loan information This inquiry is false ; I have a credit score of XXXX? 
Length of time revolving credit accounts have been established This inquiry is false ; I have a credit score of XXXX? 
Time since most recent account opening is too short- This inquiry is false ; I have a credit score of XXXX? 
Too many inquiries last 12 months-This inquiry is false ; I have a credit score of XXXX? 
The applicant wrote : I feel TD Auto Finance purposely is trying to or have ruined my credit score by denying me approval while I hold a credit rating that few do. I have been working hard to keep my credit score high enough so I would not have to deal with such issues like the one Im facing in this report. I can not sit back and let this report go unchecked. 
I have been personally hurt and my credit score has been purposely injured by TD Auto Finance denying me credit while holding a credit score of XXXX which clearly shows my credit worthiness. I am going to file a complaint with federal trade commission on the grounds that TD Auto Finance has denied me the right to trade, that prohibited me from fair and equal trade base on my credit score and some false inquiries. This compliant will be in-part or whole, pursuing that the federal equal credit opportunity act prohibits creditors from discriminating against credit applicants on the basis of race the factor and ( provided the applicant has the capacity to enter into a binding contract ). 
TD Auto Finance has violated this statement because of said credit applicant has already entered into a binding contract and received the loan with the credit score of XXXX which was denied by TD Auto Finance.
Consumer complaint received 2022-01-04
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: SYNCHRONY FINANCIAL (IL)

It is regarding my past complaint number XXXX for Synchrony Bank XXXX They have not resolve my dispute and I paid full amount whatever is left over in XX/XX/2021, but they have not reported that credit to credit reporting agency even though my balance is {$0.00}. On other hand Synchrony Bank Pay pal credit is showing as opened on XX/XX/2021 where as it is old account for more than 5 years. They have done fraudulent activity with my account and needs investigation as my credit report had come down by XXXX points. Also I was told by Synchorny Bank that I don't need to pay anything until Dispute is closed and I made payment after dispute is closed unresolved. I need answer from Synchrony Bank to fix the issue and report the right information to all credit reporting agency asap.
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

The reason I did not report this issue sooner is because I was just made aware of it in the last couple of months. I was already advised at the end of my lease in XXXX by XXXX XXXXXXXX XXXX XXXXXXXX and Southeast Toyota Finance ( XXXX XXXX XXXX ) that there were no payments due. This misinformation has resulted in my previous account ultimately being charged off without my knowledge and impacting my credit in a negative manner. I was told numerous times that there were no payments due on my previous lease and it was an error on Southeast Toyota Finance side. It wasn't until recent when I went to get into a new lease, they pulled my credit that I was made aware the amount of {$890.00} was charged off, impacting my credit. I called Southeast Toyota Finance to resolve this and spoke to XXXX XXXX, End of Term Manager, she advised that Southeast Toyota Finance accidently credited my account from a payment received from another customer that is why there was a balance due when they figured out their error. I advised XXXX I had no problem paying but they told me nothing was due twice and I owed nothing. I asked her why I should be responsible for their error 2 years later. She advised me I should feel bad about it and pay it. I advised her this was her company 's error which she admitted and they should do what is right and take care of the balance in addition to repairing my credit. She advised me that she would need a couple of days to research and then never returned my call or followed up with me. This brings me to my current situation ; my credit has been severely damaged and it has affected me getting a new lease with XXXX or applying for credit anywhere else. I am requesting that Southeast Toyota Finance be responsible for their error, credit the {$890.00}, and put an expedited request to repair my credit to the 3 credit bureaus. I have always paid my bill on time and my credit has been excellent, I would not recommend doing business with Southeast Toyota Finance.
Consumer complaint received 2021-04-01
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: Credit Bureau of the South, Inc. (TX)

The company name is Delinquent recovery phone number ( XXXX ) Ive called the company about 7 or more times because they are reporting falsely & negatively on my credit report, the account has been paid in full for almost a year all of the staff members are extremely rude and have refuse to offer me any proof of payment, resolution, or to call the credit bureau number to verify/report accurate information and also has refused to report accurate information to the credit bureau. Please help this is an extremely unprofessional company that is operating illegally. They are purposely reporting inaccurate info to credit bureaus.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Hi, my complaint is against XXXX XXXX and Equifax. I have contacted these companies since XX/XX/2020 about accounts that do not belong to me. They have never respond to me at all about these accounts listed below. 

1. XXXX/XXXX  2. XXXX  XXXX/XXXX  2. XXXX XXXX  PLEASE HELP ME TO REMOVE THESE ACCOUNT FROM MY CREDIT REPORT. 

THNAKS
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

Today ( XX/XX/XXXX ) received my monthly invoice for my Small Business Plus Blue Card from Amex. Included was an announcement of APR increase to 16.24 % effective XX/XX/XXXX from XXXX 11.24 % .This will affect Purchase after XX/XX/XXXX as well as prior balance of business before XX/XX/XXXX. Thus this prior balance under the prior 11.24 % will be hit with 16.24 %. Clearly a violation of the Card Act XXXX. Will provide the notification page this as an Attachment to this complaint. 

I immediately went to Amex on this issue, initially spoke with a rep who then transferred me on her supervisor. She took my notes and forwarded on with the company. At that time she confirmed that prior balances would be affected and asked her to include the Card Act within my notes. I asked if I could get a copy of the complaint notes and to whom they were sent and was advised I could not. As a loyal client for many years, was very disappointed with the treatment and experience.