davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

I entered into a Forbearance Plan with LoanCare , LLC, effective XX/XX/XXXX through XX/XX/XXXX. The agreement states, " If your loan was current at the time of entering into this Forbearance Plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current. If, however, your loan was delinquent prior to entering into the Forbearance Plan, we will maintain that delinquency status during the term of the Forbearance Plan. If you are able to bring the loan current during the Forbearance Plan, we will report the account as current. '' When I entered the plan, the account was not delinquent. I made the XX/XX/XXXX payment on XX/XX/XXXX ( which was 29 days late, but not yet 30 days late ). A late charge was assessed to my account on XX/XX/XXXX, as the payment was not received between XX/XX/XXXX and XX/XX/XXXX. Therefore, I entered into the Forbearance Plan with my account in good standing. I continued to make payments while under the Forbearance Plan in both XXXX and XX/XX/XXXX ( on XX/XX/XXXX and XX/XX/XXXX respectively ). I did not make payments in XXXX, XXXX, or XXXX of XXXX ( as allowed under the Forbearance Plan ) and according to the rules of the Forbearance Plan, these missed payments are not to be reported to the credit reporting agencies. I completed the sale of the property for which this mortgage was secured on XX/XX/XXXX. LoanCare , LLC received the total payoff of the loan including the outstanding balance, the missed payments for XXXX of XXXX, and all the late charges due on the account. This payment was made within the Forbearance Plan term, and according to the rules of the Forbearance Plan, bought the account current and requires LoanCare to report the account as current to the credit reporting agencies. 
In fact, LoanCare issued a {$220.00} refund check back to me on XX/XX/XXXX due to overpayment of escrow on this account. However, in violation of the terms of the Forbearance Plan and the federal CARES Act, LoanCare , LLC reported this account as paid, but 90 days late to XXXX. I demand that LoanCare , LLC correct this information immediately, as this account was paid in full during, and according to the terms of the Forbearance Plan. This is a malicious attempt on behalf of this company to harm me personally as a consumer and violates my rights under the Consumer Financial Protection Act. I have attached documentation supporting my account above, to validate the veracity of my claim.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 2021-05-11
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: CITIBANK, N.A. (FL)

On XXXX XXXX I purchased two XXXX Watches from Best Buy for XXXX presents. I ended up not giving the watches as gifts. On XXXX XXXX through the BestBest.com I initiated the return of the two watches. Best Buy provided the shipping labels. I elected to return the watches by dropping off at a local XXXX Store. Under Covid-19 terms I am considered XXXX XXXX. I did not want to visit a Best Buy store and stand in line to make the returns. On XXXX XXXX I visited XXXX Store and dropped off the two watches. The watches had to be returned by XX/XX/XXXX. On XX/XX/XXXX, l spoke to XXXX at Best Buy and was told I would see a credit on the XXXX statement. After the XXXX statement was posted it did not show any credit for the returns. On XX/XX/XXXX I opened a dispute with Best Buy Credit Services. Best Buy Credit Services denied the dispute and said I was responsible for the charges. I then resubmitted on XX/XX/XXXX my dispute by sending by Certified Mail a document containing fourteen pages of proof. I have not received any further communications from Best Buy Credit Services.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC (FL)

GC Services Collections for  XXXX  {$2600.00} rounded Balance was discharged through Chapter  XXXX  I have disputed this item 4 times I also never received a collection notice before it showed up on my credit report
Consumer complaint received 2015-07-01
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ORG GC GP BUYER, LLC (TX)

Contacted by GC Services today about an old student loan which I am paying thru a different company that I am paying for this debt. The collector from GC Services said that it was from XXXX XX/XX/XXXX. This is the debt that I am paying through a different compay. 
GC Services can not produce promissory notes or any original documentation to verify this loan. They also took a chunk of my income tax return in XX/XX/XXXX. 
I need some help with this one please.
Consumer complaint received 2022-03-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Albert Corporation (OR)

On XX/XX/XXXX, I took out a loan for {$35.00}. XXXX said it was due in XXXX. They charged my XXXX yesterday. I never received any record of this due date. My SSDI payday is clearly the XXXX of every month, as their AI should have identified. They charged me early and are trying to overdraw my account. Their business must be closed at once.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (NH)

On XX/XX/XXXX, we paid off our loan with TD Auto Finance. On XX/XX/XXXX, we called XXXX XXXX XXXX to confirm payment & title release. Currently, our account shows closed and no remaining balance. 

On XX/XX/XXXX, we called TD Auto Finance, and the representative stated the title was released on XX/XX/XXXX. 

As of XX/XX/XXXX, we still have not received the title. On this day, we called TD Auto Finance again, and the representative told us that she saw a couple of error messages on our account, XXXX involving the title and another on payment. The representative was helpful but was not able to provide any further information. 

TD Auto Finance has delayed our title release despite paying the account off. Also, with the call on XX/XX/XXXX, and the errors in our account, they have failed to communicate any issues/errors and have delayed our receipt of the title. 

We are selling the vehicle, and this delay and TD 's lack of communication and poor service have caused us a negative reputation with a buyer and the risk of financial harm, at the least. 

In the spring of XXXX, we will purchase a new vehicle. This experience and the XXXX XXXX XXXX XXXX article of XXXX XXXX will impact our choice of who we will use for financing. 

On XXXX at approximately XXXX AM Eastern Time, XXXX XXXX XXXX New Hampshire Department of XXXX XXXX XXXX They confirmed TD Auto Finance had not contacted them that the account is paid in full and the title will be released. 

This morning, XXXX, we called TD Auto Finance and the New Hampshire Department of XXXX XXXX XXXX NH XXXX XXXX. 

In a call with the NH XXXX, they informed us the error code being received by TD Auto Finance does not exist. The NH XXXX records are correct. The NH XXXX also informed us that there is no need for TD Auto Finance to contact the NH XXXX. 

We did everything right by paying our loan on time and paying it off, and TD Auto Finance is refusing to release our title. We have spent an enormous amount of time away from our jobs to make phone calls, which we should not have had to do. 
Based on conversations in many online forums, TD Auto Finance has a negative reputation, especially for holding titles XXXX.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under 15 U.S.C. 1681. 

Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C. 1681 section a. States I have the right to privacy - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C. 1681 section a. States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section d ( 1 ) ( a ). States a consumer reporting agency shall provide to any person- ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer 15 U.S.C. 1681 section c ( a ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section d ( 2 ). Any consumer reporting agency that furnishes a consumer report that contains any credit score or any other risk score or predictor on any consumer shall include in the report a clear and conspicuous statement that a key factor ( as defined in section 1681g ( f ) ( 2 ) ( B ) of this title ) that adversely affected such score or predictor was the number of enquiries, if such a predictor was in fact a key factor that adversely affected such score.

15 U.S.C. 1681s-2 section a ( 1 ). 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.
Consumer complaint received 2022-07-06
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: Global Lending Services LLC (GA)

Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Global Lending Services XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  These are all companies that should not be on my hard inquiry XXXX account because I did not consent.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NC)

Opened an online checking account with TDBank on XX/XX/2021. Several emails were sent to me confirming the opening of the account. TDBank accepted my opening deposit of {$50.00} on XX/XX/2021, and a partial paycheck deposit of {$680.00} on XX/XX/2021. I was then unable to log into the account. Per TDBank, the account was " frozen '' by fraud department, but I received no email notifications of this, despite receiving 9 TDBank Alert emails between XX/XX/2021 andXX/XX/2021. The deposits were still accepted despite a " frozen '' account. I made multiple attempts to contact the fraud department to discuss, and several times, my call would be " dropped '' after a long wait. TDBank is requiring me to visit the bank in person to unfreeze the account. The branches are all a two hour roundtrip drive ( which I did not consider at the time of opening as modern banks do not require in-person trips, especially during a pandemic ), and I am unable to travel there due to work commitments. TDBank refuses to transfer the money out, refuses to allow alternative means of identity verification ( video, online, documents, etc. ), and will not give me a timeline for which the account will remain open. I anticipate TDBank will close the account and refuse to return my $ 700+, and the company was unable to say whether or not that would happen.
Consumer complaint received 2022-01-21
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. (LA)

I filed a HIPPA violation complaint with XXXX XXXX  for. 
XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX. 
I am continuing to receive harassing calls and questioning about my medical issue. This is a HIPPA privacy violation as I have not authorized the release. Please see original complaint to XXXX against XXXX and Equifax. Please direct them to investigate or remove this account from my report. Here is XXXX complaint Receipt Number : XXXX. 

XXXX HAS CORRECTED IT MISTAKE SO WHY HAVE THE OTHER 2 CREDIT BUREAU?
Consumer complaint received 2021-05-12
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. (OH)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2016-02-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (VA)

The Branch Banking and Trust company has been harassing me recently in an attempt to collect a debt which has expired the statute of limitations in accordance to the state of Virginia. In addition, the Banking Institution has recently sent me an garnishment summons in clear violation of my consumer rights.
Consumer complaint received 2022-03-28
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (OK)

I called chime my online banker and reported that my account has been hacked they ask me to send over identification documents so I did I called the next day and there are no notes that I even called the representative tells me to send over the information again so I did she said it will take 24 to 48 hours to get access to my account. Two days later I havent heard from no one so I called again the representative does not see any notes or no what Im talking about so she has me send over my documents again the email address they have on file is the hackers email they never changed it. So I call again and again and again they tell me the same thing send over identification I did again and still no notes I cant pay my bills my account is suspended and its the third week now and I still cant access my account
Consumer complaint received 2021-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please update my personal information on XXXX, Transunion, XXXX. 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be removed.
Consumer complaint received 2021-05-11
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 2. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 3. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX  Account Number : XXXX 4. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX  Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX XXXX Account Number : XXXX 9. FDCPA section 807 Violation misleading false reporting Account Number : XXXX
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I applied to a Synchrony Bank Credit Card for AE OUTFITTERS, INC and got denied because they claim my XXXX XXXX is too low. They put XXXX 's contact information and XXXX Relations. They checked my score on XX/XX/22 and it said my score is XXXX, which is not anywhere close to my real XXXX XXXX.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Evergreen Moneysource Mortgage Company (WA)

I closed on a home on XX/XX/XXXX and paid for home inspection in advance through my realtor with XXXX XXXX realy XXXX XXXX. Inpection found standing water from a leak. I ask that the owner repaired before i closed. The realtor said it was taken care of, i moved in on XX/XX/XXXX and over a few month, i started smelling a odor and smell when i opened my cabinets under the bathroom sink and drain in the shower. I googled a company called crawl pros that come out for a free estimate. They said that i had 8 - 10 inches of water in my crawlspace. I called my realtor and text her to see if the guy that did the inspection went back after the work was done. I finally found his number because she sent me a text that she would contact the owner. 
I ask to see proof that repairs were done. She forwarded me a invoice from the company that sold me the home XXXX  XXXX  XXXX  that looked like fraud with there name on the letterhead and different prices for the repairs and no taxes included. In the state of Washington they are contractor s and can not do the work themselves. The date was on XX/XX/XXXX that XXXX  XXXX  inspected my home and i called safeco insurance and opened a claim on XX/XX/XXXX and called XXXX XXXX XXXX on XX/XX/XXXX or so. One compsny had to drain water and sanitize and XXXX XXXX XXXX sent the plumber. The company And previous owner XXXX XXXX  license was suspended on XX/XX/XXXX I feel like this owner sold me a home and never fixed the repairs and tried to falsify records. I will have to come up with money that i sm not responsible for and i wouldn't never had bought this home if it was in this condition.