davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (GA)

In XXXX of 2023 I purchased a XXXX XXXX XXXX new and used TD Auto Finance as my lender. The lender and XXXX handled the process on the backend to ensure everything was set up properly. I was approved, paid my down deposit, and was good to go. I set up automatic recurring payments to my bank account to make sure I wouldn't miss a payment and created an account with TD Auto Finance to alert me if anything was amiss. In XXXX of 2023, one of my car payments bounced back. I was never alerted or contacted by TD Auto of this missed payment. No email, no phone calls, and no letters. In XXXX of 2023, I got an alert that my credit report was hit with a delinquent report with TD Auto. I immediately contacted TD Auto and was told that I had missed a payment and they tried to call me but got no answer. I immediately paid in full the amount that I owed. As it turns out, they had the XXXX number for XXXX on my file. I asked if they emailed or sent mail to me which they replied " we took every effort to contact you. '' When I checked my email, they never sent me a single email or letter even though both of those were correct on my file. I contacted their financial department to dispute this case. I included all of the above information and I got a reply from them 30 days later saying that they found nothing wrong and we're not going to change their decision. This is an outrageous abuse of my credit history and TD Auto Finance should do better.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Not as if it comes with or as a big surprise but during the process of Obtaining two separate school loans I was led to believe that my payment would always remain manageable and that I would have nothing to fear when graduating only blue skies ahead however I was fraudulently led to believe that the payment would not adjust and yet it did and skies became quite a bit more gray. I am aware of the US government is suing XXXX XXXX XXXX and many other entities For fraudulently issue in student loans without disclosing variable rates against the fair lending credit act end it is a violation of the fair credit reporting act to report such fraudulent loans on my credit. I have opened disputes to ask for original amount of the loan an original signature is agreeing to those amounts Yet all three credit reporting agencys failed miserably and following the FCRA in verifying those facts with XXXX XXXXXXXX.
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

National Credit Systems has been constantly contacting me about a rental debt in the amount of approximately XXXX. I was unaware that that I lost my drivers license, upon the notification of the debt by another application for an apartment I got a replacement drivers license and contacted the police to file a report. I have contacted all credit bureaus involved. I have also come to realize that they are not licensed and bonded in the state of XXXX which is where this has taken place.
Consumer complaint received 2024-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (FL)

LOCKHART, MORRIS & MONT Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the collection agency recently placed a bill on my credit report from a XXXX XXXX visit I made to XXXX XXXXXXXX. At the time I was a XXXX XXXX  and unemployed so XXXX XXXXXXXX gave me their charitable write off ( not the exact name ). When I disputed the debt the reply they gave only stated the debt was verified as correct, but it isn't correct at all. I don't owe the debt, the problem was timing, it was sent to collects before 30 days, even though the hospital financing dept was sending it for a charity write off. Plus, the collection agency is falsely stating the account was opened XX/XX/XXXX. I haven't been to any hospital, ER since XXXX, so I asked them for a copy of the original debt.
Consumer complaint received 2021-03-09
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. (TN)

I have called in numerous of times and have also mailed in each document I have been asked for. There are unauthorized and unverified inquiries on my credit report that I didnt do
Consumer complaint received 2019-07-02
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. (CA)

Not as if it comes with or as a big surprise but during the process of Obtaining two separate school loans I was led to believe that my payment would always remain manageable and that I would have nothing to fear when graduating only blue skies ahead however I was fraudulently led to believe that the payment would not adjust and yet it did and skies became quite a bit more gray. I am aware of the US government is suing XXXX XXXX XXXX and many other entities For fraudulently issue in student loans without disclosing variable rates against the fair lending credit act end it is a violation of the fair credit reporting act to report such fraudulent loans on my credit. I have opened disputes to ask for original amount of the loan an original signature is agreeing to those amounts Yet all three credit reporting agencys failed miserably and following the FCRA in verifying those facts with access capital.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Bank Name : Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX I visited the ATM to withdraw cash, entering all my information. While the machine provided my card promptly, there was a delay in dispensing the cash. Suspecting insufficient funds, I immediately visited the bank affiliated with the ATM. The bank teller confirmed that the transaction had indeed been processed. With their assistance, we filed a dispute, yet Capital One denied it, asserting that the ATM transaction was accurate. Despite not receiving the cash, Capital One maintains the transaction was valid.They denied my claim, and I my money is taken out of my account. I didnt take the cash.
Consumer complaint received 2019-07-02
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS AND ONE ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

My paycheck got deposited into my account and i went to check my balance not even 5 minutes after i get a text and email my account is going to be closed and that I needed to call into chase as i asked why my account was going to be closed they were unable to give me information and said that right now my account is restricted so i can not receive my money until 10 days after my account is closed so i now have to wait 20 days until i can receive my hard earned money and the remaining funds before that.
Consumer complaint received 2019-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I contacted the original creditor and let them know that this account did not belong to me. They notified me that this account was sold to Portfolio Recovery associates LLC. THIS ACCOUNT DOES NOT BELONG TO ME! Please investigate this matter and remove this account!
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

CAPITAL ONE ACCOUNT : XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information CAPITAL ONE has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy CAPITAL ONE did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC (FL)

XX/XX/XXXX-Letter sent requesting PMI coverage cancelation. 
XX/XX/XXXX-Response saying my loan didn't qualify due to LTV ratio and length of loan, but I could pay {$4600.00} to reach my qualifying LTV and  they would cancel. As of XX/XX/XXXX, I started paying additional principal to reach LTV. I paid approximately {$10000.00} in principal for XX/XX/XXXX and XX/XX/XXXX, in excess of {$20000.00} and well above the {$4600.00} they said I needed to pay. 
XX/XX/XXXX-XXXX  to XXXX  at customer care to confirm that my PMI would be canceled XX/XX/XXXX as specified in my PMI disclosure form from my closing on XX/XX/XXXX. He said I can send a letter requesting this even though the disclosure states it will automatically terminate. He states that my LTV is above 80 %. 
XX/XX/XXXX-Spoke with XXXX  ( not a supervisor as I requested ) She states that my LTV is at 74.61 % and the PMI should be canceled but I need to send a letter. 
XX/XX/XXXX- Spoke with XXXX and he insisted I have to send a letter and pay for an appraisal since I've paid extra principal!! He confirmed that my LTV ratio is at 74.61 %. 

I have sent numerous letters and I have a PMI disclosure document that states it will be automatically terminated onXX/XX/XXXX as long as we are current on payments ... .we 've NEVER been late and we have excellent credit, scores are in the 800 's.
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bryant, Hodge & Associates LLC (HI)

Days theyve contacted us :XX/XX/XXXX ( twice ),XX/XX/XXXX ( three times ),XX/XX/XXXX ( three times ) Asked me for an email to send me a letter containing the information. They had a random email ( computer generated ) one on file  and the letter just stated an amount and said they would sue if not settled. 

I contacted XXXX directly to see if we had a debt and they said theyd sent it over to an agency in XXXX and then when I contacted the agency they said they dont have anything linked to our name or social. 

The person calling came up as scam likely so and I blocked the number and then hes been calling through an unknown number and texting me. 

He first called us through our house phone number which is not linked to any accounts nor was it our number when we lived in another state at the time the account was made. He knows our cell phone numbers which we had changed since moving to another state.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've already talked to the bureaus. They need this updated information to come from XXXX. You didn't answer or address my question from my previous complaint. My question was the months you reported my account as CURRENT to the credit bureaus, were not really current. You were charging me late fees the entire time. They were delinquent. I haven't been current since the last time I made a payment in XXXX. Also, the information you provided to NSLDS at consolidation is not the same as what you reported to the credit bureaus. Months you show I was in forbearance to the NSLDS do not line up with the months you reported as in forbearance to the credit bureaus. Will you please re-read my complaint and answer my concerns? My concern is you reported me as current to the credit bureaus pretty much from XXXX which is allowing these accounts to sit on my credit report for 7 years from the date it was closed in XXXX. My argument is I haven't actually been current since XXXX which was the last payment I made. If I was actually current as you were reporting me to the bureaus each month, then why were late fees being accumulated during this time? My argument is that these account as a whole should be deleted from my credit report based on the fact I haven't made a payment ( been current ) in over 7 years. 
ADDITIONAL COMMENTS Please re-read what I sent. Additionally, I'd like to receive all the documentation you have on my file for each occurrence I was granted forbearance.
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX Office of The President at CitiBank Visa Subject : CitiBank Visa mobile app cost card holder Our CitiBank Visa credit card account was closed by CitiBank in XX/XX/XXXX due to an issue stemming from the use of the Citibank mobile application. I downloaded Citis mobile app on my smartphone to make payments when not on my home computer. Previously my payments were made through my bank account online bill pay. The Citibank app required that I use a login and password for the account to make payments and the savings and checking are both on the same login and password. Unknowingly, I had made a payment and this payment was rejected for NSF, but I had the funds in my checking. However, I was told I did not have draft protection on the savings but on the checking only. The first time this NSF incident happened I was out of the country without sufficient Wifi to catch the error. I incurred penalty charges from my bank and Citibank, but the payment was still made on time. 
After speaking with my bank, I got a new account number to input in the application but wasnt sure how to input it. I now realized that the app has an area to input the corrected or a different account number. Before I put the correct number in the app, I made a payment that went through before I corrected it. The payment was still on time. This realization happened after the last incident and I called and explained this to Citibank and the charges were debit to my accounts. 
We are asking City Bank to re-open our Visa credit card account because this was an honest mistake in using the mobile application. We obtained our cards through Costco who partnered with Citibank after they dropped XXXX XXXX. My husband and I have been customers in excellent standing with both companies for more than 12 years. We feel it is unfair to hold back our rewards earned for the XXXX billing cycle. We are requesting that you consider reinstating the XXXX billing statement with the full amount of our rewards we earned for XXXX. We look forward to hopefully doing business with you once again. 
Thank you,
Consumer complaint received 2018-04-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

On XX/XX/108, My entire tax refund of {$2.00} was taken. I struggle to pay rent bills and buy food. I need some or all of my {$2.00} tax refund back. I have little if any room to make payments on these loans without not paying for food, rent or gas without my tax refund.
Consumer complaint received 2019-07-02
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: Navient Solutions, LLC. (TX)

I've already talked to the bureaus. They need this updated information to come from Navient. You didn't answer or address my question from my previous complaint. My question was the months you reported my account as CURRENT to the credit bureaus, were not really current. You were charging me late fees the entire time. They were delinquent. I haven't been current since the last time I made a payment in XXXX. Also, the information you provided to XXXX at consolidation is not the same as what you reported to the credit bureaus. Months you show I was in forbearance to the XXXX do not line up with the months you reported as in forbearance to the credit bureaus. Will you please re-read my complaint and answer my concerns? My concern is you reported me as current to the credit bureaus pretty much from XXXX which is allowing these accounts to sit on my credit report for 7 years from the date it was closed in XXXX. My argument is I haven't actually been current since XXXX which was the last payment I made. If I was actually current as you were reporting me to the bureaus each month, then why were late fees being accumulated during this time? My argument is that these account as a whole should be deleted from my credit report based on the fact I haven't made a payment ( been current ) in over 7 years. 
ADDITIONAL COMMENTS Please re-read what I sent. Additionally, I'd like to receive all the documentation you have on my file for each occurrence I was granted forbearance.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! 

You are hearby put on notice that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2019-07-02
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. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit