davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
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: TD BANK US HOLDING COMPANY (DE)

XXXX car sales ran my credit 3 times, i only authorized them to run my credit one time. i spoke to the credit manager XXXX at XXXX car sales in at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX XXXX several time and told him only to run my credit one time. 
He ran my credit 3 times. 2 times with XXXX for TD AUTO FINANCE, on XX/XX/2019 and XX/XX/2019. XXXX told me thereafter that XXXX XXXX HAD DECLINED THE LOAN, HE SPOKE UNTRUTH. 
TD AUTO FINANCE TOLD ME BOTH TIME THEY DID RUN THE CREDIT AND BOTH TIME THE LOAN WAS APPROVED. 

Then XXXX XXXX XXXX ran it again 1 more time with XXXX for XXXX XXXX on XX/XX/2019. 

2 TIME THEY RAN MY CREDIT UNNECESSARILY AND WITHOUT MY APPROVAL ANOTHER PROBLEM WITH TD AUTO FINANCE IS THAT THEY PAID XXXX FOR THE CAR BEFORE IT WAS DELIVERED TO ME AND I HAD A 45 DAYS BEFORE THE FIRST PAYMENT WAS DUE AND THE REFUSED TO ADJUST IT, TELLING ME I HAVE TO FIGURE THAT OUT WITH XXXX XXXX SALES IT MAKE NO SENSE. 

ANOTHER PROBLEM IS THE INTEREST RATE ON LOAN WAS 3.99 %, THE MANAGER SHOWED IT TO ME ON THE COMPUTER, AND WHEN THEY GAVE ME THE PAPER WORK ITS NOW 5.99 %, THIS IS FRAUD.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

all three bureaus Trans Union XXXX and XXXX are reporting inaccurate information on credit report on this account open in XX/XX/XXXX by Trans Union while XXXX and XXXX report date of open XX/XX/XXXX all three bureaus report a balance of {$550.00}. Reporting incorrect date last report it stating as XX/XX/XXXX by Trans Union while XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Date last active is reporting g as XX/XX/XXXX by TransUnion XXXX reports XX/XX/XXXX while XXXX reports XXXX XXXX. I have tried disputing account with credit bureaus asking to delete this account as it is stating incorrectly showing the date of last payment was XX/XX/XXXX of XXXX while payment history is reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while XXXX is reporting consecutive charge off all the way from XX/XX/XXXX through XXXX XX/XX/XXXX. Date reported on payment history makes no sense with the data reported on date of last payment just those here its a huge mistake that is hurting my XXXX XXXX and holding me back from obtaining credit. There is no possible way that XXXX bureau can report perfect payment history while the other bureau is reporting the whole opposite. Trans Union makes a comment of investigation meeting all FCRA requirements I strongly disagree with the results to this investigation as you can see on my copy of credit report account this account is a total mistake itself. Theres no way that all three bureaus can be right if information is coming from the same furniture data. this account is only updating the date last reported pushing back the date it should fall off this is not acceptable. Delete immediately account is a total mistake itself
Consumer complaint received 2019-10-09
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: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-04-14
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. (IL)

Company is reporting public records as " verified and accurate '' on my credit report saying they obtained information and records were verified by a third party company " XXXX '' as of XX/XX/2021 but XXXX sent a letter of not being able to vwrify these records as of XX/XX/2021 these records have been deleted from my XXXX report. so your company is completely lieing about the information being verified and accuratre according to XXXX! The letter from XXXX clearly says the bankrupticies have been removed from my report. I am demanding these records be removed from your company ASAP.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (CA)

On Monday, XX/XX/XXXX I received a letter from the U.S. of America Federal Trade Commission : Notice of Lawsuit against Ameritech, for Deceptive Practices of my government Student Loan that started XX/XX/XXXX, of {$150.00} plus until 6 months later reduced to {$99.00} per month and presently paying for the Student Loan Forgiveness Program. Before Ameritech I was with XXXX,XX/XX/XXXX under the same Student Loan Forgiveness Program with higher payments starting sometime in XX/XX/XXXX after graduating from XXXX XXXX University, XXXX, CA, combine XXXX XXXX XXXX loan, of XX/XX/XXXX under the same program. I made numerous attempts on XX/XX/XXXX to contact Ameritech, the answering is activated and disconnecte after 3 minutes on the line waiting to speak with someone about cancelling my membership and reimbursement for 2 plus of withdrawn from my account confirming on numerous occasions that my payments were we're going towards my Student Loans. My connection with Ameritech was with XXXX. Now this raises question with deception from XXXX. I am willing to be a part of a class action lawsuit
Consumer complaint received 2018-07-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

XX/XX/XXXXReceived and email and was told must make a payment by the XX/XX/XXXX or will have to pay two car payments for XX/XX/2018. 
I have been in hardship since the XXXX  storm. Lost Fulltime Job. And now been in hardship since then up until now XX/XX/2018. Working XXXX  jobs. Was threaten to make 2 payments for being behind 34 weeks. For XX/XX/XXXX and XX/XX/XXXX. Refused to take the XXXX was advised to pay XXXX. Or threaten if I didn't give date for XX/XX/XXXX payment that isn't due till XX/XX/2018 Prestiege Financial is the Company
Consumer complaint received 2020-02-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Recovery Services, Inc. (NY)

Since XX/XX/XXXX I have phone records to prove that I have received 142 calls from Financial Recovery Services ( FRS ). I have repeatedly told them not to call my phone again, put my number on the Do Not Call list, and told them again yesterday that I would report them if I received another phone call from their company. I've told them a few times this month that I would report them and they called again tonight. The numbers they call from are slightly different, but I assure you that the XXXX area code numbers are all FRS.
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX my debit card was stolen from me and used to withdraw {$6200.00}. First they made an {$80.00} purchase from 'XXXX XXXX ' ( Address : XXXX XXXX XXXX XXXX XXXX LA ) at XXXX. Then {$4000.00} was transferred from my savings into my checking via a XXXX Transfer at XXXX. Next, they used a Chase ATM ( address XXXX XXXX XXXX XXXX XXXX XXXX, LA ) to withdraw {$600.00} at XXXX. Then at XXXX they went to a different Chase ATM ( Address XXXX XXXX XXXX XXXX XXXX XXXX , LA ) and made 3 separate {$1000.00} withdraws. They then went to the USPS located at XXXX XXXX XXXX XXXX XXXX LA and purchased {$2300.00} in money orders. Finally a {$160.00} purchase was made at a XXXX  located at XXXX XXXX XXXX XXXX at XXXX and the last charge was for {$48.00} at XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX LA . 

I reported the fraud to Chase bank within 8 hours of when the fraudulent charges occurred. Initially, Chase credited me the amount stolen and said they would investigate my claim. However, on XX/XX/XXXX I received a letter from Chase stating that they believed the charges were legitimate because the withdraws were made using my correct PIN number. I do not know how the criminals obtained my pin number but I do know that I did NOT give my PIN to anyone and did NOT authorize these charges. I submitted an appeal with Chase on the XXXX but received word on the XXXX that Chase once again deemed the charges legitimate. I called Chase and was once again told that they would review the case but on XX/XX/11 after not hearing anything for 10 business days I called Chase 's fraud department and was told that my claim was still denied. Chase would not give me ANY explanation other than the fact that the withdraws were made using my correct PIN # so they deem the charges legitimate.

I am incredibly frustrated for three reasons : 1 ) Chase continues to deny my legitimate fraud claim 2 ) Chase won't provide me any information on their investigation oth
er than the fact the correct PIN was used for the disputed transactions 3 ) The fact that these criminals were able to drain nearly every dollar I had in a matter of hours without a SINGLE fraud alert from Chase bank. I've never withdrawn more than {$1000.00} from my account at one time but Chase saw nothing wrong with $ XXXX being taken out within a few hours
Consumer complaint received 2022-07-05
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. (MD)

In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being 150-179 days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due. 
I want this lates removed off my consumer report.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

In XXXX, I missed a payment on my mortgage due to a miscommunication between my wife and i. We are in the process of switchign jobs and relocating, and the issue just slipped through the cracks ... we each thought we had paid the bill. When we realized this mistake, we called XXXX and apologized, and rushed a payment. XXXX at the time told us that they would not report to the credit agencies since we had been on time for so long. 

Last week, i checked our credit reports and learned that us bank had in fact reported it. I called us bank, who said they were unwilling to correct their mistake, and they would not honor the promise they made to me when i called in XXXX. 

My own opinion is that this is a prime example of the banks punishing a consumer unnecesarily when they are trying to do the right thing, and I would like XXXX to rescind the report, and for experian to re-calculate my credit with a good payment record. 

Also, as a side note, we have paid this mortgage on time for many years.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

Our mortgage was sold to CMC Funding in XX/XX/XXXX. In XXXX I spoke with them regarding interim taxes and was misinformed they would be taking care of them and the misunderstanding was that we had moved into the house in XXXX and now taxes were catching up. I have been calling them since XX/XX/XXXX to pay the taxes. I escalated to a supervisor team XX/XX/XXXX and yet it is the middle of XXXX and they are not paid. We owe $ XXXX and have $ XXXX sitting in an escrow account ( annual taxes estimated to be $ XXXX ). I have called numerous time per week, spoken to supervisors, spoken to the law office who is collecting taxes and CMC still has not paid- we now have late fees, penalties and are are quickly approaching 30 days post being overdue. I am at a complete loss on how to proceed. The company gives me the same generic response that they are waiting on law office and can not proceed. Keep in mind we have been corresponding with them for two months, involved our original settlement company and realtor and we have made very little progress. They say they are waiting for law office to send over information as they can not get ahold of them but yet every time I call the law office they answer. I have confirmed they have the right law office as well as hours of operation. I get no call back from CMC and every time I call I get a different answer- I would estimate I have spoken with 6 different supervisors and at least 20 other employees in the tax department. On XX/XX/XXXX I called and was told there was no need to call back as it was being taken care of. Obviously- this is not the case. When I call, little by little I am told more information such as it took them over 30 days to submit to the law office for the amount of taxes due, by the time they received the paperwork there were late fees so they decided to submit paperwork again to include late fees, they actually only try once/week to get ahold of law office, etc. Im at the point where Im wondering if this is a scam. I dont know how to proceed as when I spoke with them today- they are still blaming law office. Law office told me in XXXX that its a simple process that resolves a redemption form and that it should not take this long or this many attempts to get it paid. In addition I spoke with them again and they assured me there is a rush order form ( can eve completed in 1-2 business days and information can be faxed ) - all things CMC are denying. They are stating its a 7-10 business day process and it can not be done via fax. The law price informed me it is a standard process that every mortgage company does and knows the process. My realtor has advised me to submit a complaint to you guys as she states this is outrageous.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC (NJ)

A few months ago the servicing of my loan was transferred from XXXX to XXXX ... in almost 3 years there has never been an issue with making a payment which is sent via my bill pay every month. Once the servicing was transferred, the are suddenly having an issue receiving the payment and now they are assessing late fees when payments are sent before the final due date. The payment is mailed on the 12th every month for almost 3 years with no issue until XXXX took over. They assessed me with a late fees and I contacted them via phone a few weeks ago and was assured by a phone rep that no late fee would be charged. Now I have my coupon and there are late fees. I sent a request to them to retract the late fees on XX/XX/2019 and they responded today with we are unable to accommodate your request to waive your late fee. The payment for XXXX was received on XX/XX/2019. 

Again I want to reiterate this has NEVER been an issue until XXXX took over. 

Please assist as they want over {$70.00} in late fees ( please see attached ).
Consumer complaint received 2021-07-26
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: Experian Information Solutions Inc. (CA)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (FL)

credit bureau systems have attempted repeatedly to collect a debt that is not owed as a result of my x wife using my personal information to obtain anything possible she able to. the original creditor was XXXX XXXX   and have been no help in trying to resolve the issue. credit bureau systems have called me multiple times from different numbers and even blocked numbers. XXXX XXXX has refused requests for evidence relating too this account and claims it was a phone order and my name was given.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch (TN)

Citizens savings and loan has pulled hard inquiries on my credit report without my consent 6 times since XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2019-06-16
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. (AR)

ONCE AGAIN XXXX HAS BRACHED OUR AGREEMENT BY BE RE-INSERTRD SETTLE SETTLED BANK ONTO MY CREDIT REPORTS. THEY HAVE VIOLATED THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Consumer complaint received 2020-02-12
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. (VA)

Transunion reported an account that did not belong to me-XXXX XXXX XXXX and caused my score to drop dramatically-79 points!! I had no knowledge of that account. It did not belong to be. Also, had 2 different credit files for me attached to my social security number. One with an incorrect DOB XX/XX/XXXX and another with my correct dob XX/XX/XXXX. Also, numerous incorrect phone numbers, addresses and incorrect names on my report
Consumer complaint received 2020-02-12
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. (NY)

I was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on XXXX. This is all inaccurate information. 


Also on Equifax I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & XXXX
Consumer complaint received 2020-02-12
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: Experian Information Solutions Inc. (NY)

I was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on XXXX. This is all inaccurate information. 


Also on XXXX  I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & XXXX
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

CCB/XXXX  is reporting erroneous late 's on my credit file. I applied for a credit card and was approved for a line of credit. I used my ID to make purchases until I got my card in the mail. I never received this card or instruction on how to make my payments. I never received any information about my account and inquired about getting a new card multiple times but it never came. I would get notifications on my phone but ONLY when I was past due. I would called immediately after and make these payments. Its not until I went into the store and complained that they ordered me a new card and I actually received it. Ever since then I have been making my payments on time. I recently checked my credit file and noticed these lates, this is ridiculous! How was I supposed to make payments with NO account information? I am not responsible for these lates as i was never even notified about my due date, just when i was past due. Please remove these lates, they are not my fault.
Consumer complaint received 2019-06-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/XXXX @ XXXX I received a phone call from a collection agency demanding payment. I kindly requested to cease all phone calls to me regarding the debt. Starting on XX/XX/2019, this company has continued to call me at least twice a day. On XX/XX/2019, they also made a phone call to my desk phone at work. I have requested a cease and desist but they continue to call. I am pretty sure there are laws they are violating
Consumer complaint received 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I was overcharged for my student loan payoff. 

On my payoff date ( XX/XX/2020 ) I confirmed via Navient 's web chat the final payoff amount. I then made the payment in that amount ( paying more than listed on the site was not possible, as a validation error appeared if I set even 1 cent higher than the amount confirmed by the agent in live chat ). Then I made the payment that should have been my final student loan payment ever and kept the confirmation number : Payment Confirmation # : XXXX Days later, after the payment finished processing, a balance remained in my account. I paid the remaining balance ( Payment Confirmation # : XXXX ) and reached out to Navient via email to figure out what happened. The email response I received admitted it was Navient 's mistake on XX/XX/2020. 

I then requested a refund for the overcharged amount. The email response I received on XX/XX/2020 denied it was Navient 's mistake and refused to refund me. 

I have all these transcripts and messages available to submit as evidence.
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services (CA)

Debt Collector is has violated my HIPPA right, has been increasing interest 2 per month sin I have started this validation of debt and re-aging the account with new alleged amount own. provided billing record for medical treatment I have received with with my HIPPA authorization.