davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (SC)

I have sent in several of letters into the credit reporting agencies about the different discrepancies, also i have sent letter about then provide original contracts, and requests was XXXX .The name of the collection is XXXX XXXX XXXX XXXX  XXXX the amount is {$800.00} and IC System Inc. the amount is {$410.00} the credit reporting agency still will not update this information on my report. The credit reporting agency is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-08-30
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: AMERICAN HONDA FINANCE CORP (TN)

On XX/XX/XXXX, I submitted an online dispute with XXXX to remove a personal statement on my American Honda Finance account. This option to dispute the statement was available via the online dispute on their website. Om XX/XX/XXXX the dispute was closed and my updated XXXX and XXXX credit reports showed the entire positive account had been deleted. This in turn lowered my credit score. After finally getting in touch with a live rep in the dispute dept, I was told I would have to call American Honda in  order to have it put back on my report. This is unfair since it was completely XXXX  's fault.
Consumer complaint received 2018-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (NJ)

I opened a business line of credit using my personal information interest only payments monthly. XX/XX/XXXX it was approved for XXXX for working capital XX/XX/XXXX The small business VP ( XXXX XXXX ) that opened the line of credit contacted me and said line coming up for renewal and I needed to handle a few credit concerns. 
I explained to her those concerns were there when the loan was opened and if they now wanted me to address them could they supply me with more information on who to contact to even see if they are valid. 
She requested I send what I have to her of which I did. 


XX/XX/XXXX I get a phone call from TD bank telling me they are terming out my line of credit for delinquent credit, I informed the person I was already dealing with VP of small business and nothing has been delinquent with my 8 year history with TD bank. I receive a phone call back from the VP of small business said the phone call was an error and my information was sent to the underwriters and she would let me know when she heard back how we move forward. 


XX/XX/XXXX I sent email to VP of small Business asking what the outcome was or what is happening with the underwriters in regards to my line of credit. 


XX/XX/XXXX I sent email to VP of small Business asking again about out come as no response from previous email XX/XX/XXXX My son contacts me says TD bank came to my home and the man told him to tell me to contact TD cause he is an appraiser. I send VP of small business and email of this situation. I then receive a phone call from an outsourced lender ( XXXX XXXX ) that informed me TD was no longer handling my loan as I refused to come in and term out the loan. I explained this is absolutely not true he said he would discuss account with his boss and TD and contact me back. 


XX/XX/XXXX I never heard back from him or TD so I sent Another email to VP of small business that I would be contacting CFPB if they would not explain to me what is going on and why no one is willing to meet with me face to face like all my transactions concerning loans or line of credits for the past 8 years. 


XX/XX/XXXX I receive a letter in the mail saying now that they are doing a term loan for remaining balance of XXXX and they are addressing my email XX/XX/XXXX and Now the letter says the man that called me is assistant VP of the bank. 


I have never in my 30 year history of dealing with banks and credit unions felt so confused and misguided only to write in and the confusion continues. I am being lied to and I have no idea why this is necessary.
Consumer complaint received 2017-11-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have sent two certified letters demanding the following accounts be verified and validated or removed immediately. I have received no response or removal of all the items from Experian. I have sent these requests via certified mail and these requests were received by them. I have also waited in a timely matter for a response. I now demand that the following accounts be deleted and removed from my Experian credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-11-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent two certified letters demanding the following accounts be verified and validated or removed immediately. I have received no response or removal of the items from TransUnion. I have sent these requests via certified mail and these requests were received by them. I have also waited in a timely matter for a response. I now demand that the following accounts be deleted and removed from my TransUnion credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC. (FL)

SUNTRUST : Fraud Case XXXX ; XXXX Case # XXXX ; SunTrust Case : XXXX ; XXXX Ref # XXXX This is an open Fraud Case against SunTrust, a bank that knowingly cleared a fraudulent check into my checking account. 

I have submit a complaint before regarding this issue and SunTrust is well aware of their representatives admitting to clearing the fraudulent check on recorded calls. I started off by speaking with XXXX XXXX, their so-called Fraud Specialist, that did not even care to see the documents nor the case number filed with the XXXX Sheriff 's Department. 

Next were several " Recovery Agents '' that finally submit my complaints to VP of Recovery, XXXX XXXX ( XXXX ). XXXX XXXX stated she would review all calls and pretended to understand my disgust with a bank that knowingly cleared a fraudulent check and then took a child support payment and refused to return it despite the legal investigations underway. 

The investigations are still underway since it the fraudulent funds were cleared over state lines and I have received a notice from an ill-advised Debt Collection AgencyXXXX XXXX # XXXX regarding the debt that SunTrust is responsible for clearing. 

I will also submit a separate complaint against XXXX since they apparently feel it is acceptable to harass consumers that have been cheated.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act Us Dept Of ED/XXXX  Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX
Consumer complaint received 2018-11-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

HAVE TRIED OVER AND OVER AGAIN TO SAVE MY HOME OCWEN HAS MADE SO MANY ERRORS THEY COME UP WITH A DEPRECIATION MODIFICATION THAT WAS SIMPLY FOR THEIR BENEFIT MY ORIGINAL NOTE WAS DRAWN UP WITH DIFFERENT ADDRESS ON THE NOTE WHICH THEY WILL NOT ACKNOWLEDGE ; ORIGINAL MORTGAGE BROKER OUT OF BUSINESS OCWEN WANTS ME TO DO A FOREBEARANCE AGREEMENT WITH A {$81000.00} DOWN PAYMENT ; I've OWNED THE HOME FOR YEARS NOW THE SAME REP WITH OCWEN NOW DENIES MY LOAN MOD REQUEST REPEATEDLY WITHOUT FULL REVIEW ; SAME STORY I'M AFRAID I'M GOING TO LOSE MY HOME PLEASE ASSIST
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (CO)

My wife and I have gotten into a nasty cycle of payday lenders. We currently have two loans with Blue Trust Loans, aka Hummingbird Funds , LLC, one for my wife and one for myself. 

My loan was originally for {$2000.00}. The paperwork states that the APR is 406.57 % and that by the time I have repaid the loan, I will have paid {$7100.00}. When I make a payment of {$730.00}, I pay {$680.00} toward interest and {$49.00} toward the principal. I have only made the initial payment at this point, at the end of XXXX, for {$520.00}, with {$37.00} going to principal and {$480.00} going to interest. 

My wife 's loan was originally for {$400.00}. The paperwork states that the APR is 732.74 % and that by the time we have repaid the loan, we will have paid {$1400.00}. When we make a payment of {$730.00}, I pay {$680.00} toward interest and {$49.00} toward the principal. We have two payments remaining. We have paid {$890.00} so far.

This is, as you might imagine, unsustainable. It has also come to my attention that these interest rates are far higher than what is legal in the State of Colorado, as well as the fact that they are not licensed to do business in the State of Colorado. 

I have put a stop payment on these payments until I can get something figured out, but I was advised to contact your office. This is very time-sensitive, as the screenshots I will send you indicate that they plan to submit the full balance of the loans to our bank at the end of the month, and those payment amounts are not covered by the stop payments we authorized with our bank. Please help.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

there have been an old inquiries on my Experian Report for over 2 years old that suppose to have been removed it's for XXXX card the removal day was suppose to be XX/XX/2018 the inquiry still on my report. 
I want it removed
Consumer complaint received 2018-11-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (GA)

SANTANDER CONSUMER USA {$7200.00} XX/XX/2013 This debt does not belong to me the car was not mines the car was sold by the company i had no knowledge that the car was gone or late or was sold until i information was reported on my credit
Consumer complaint received 2018-11-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

75 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid - Payment Status Details Current, was past due 60 days Paid or paying as agreed - Status Updated XX/XX/XXXX - Balance {$48000.00} This account is reporting on my credit report, its not my account
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I submitted a court document to the Bank, which indicated that i was not charged with any criminal actions due to i did nothing wrong. But Bank of America is holding me liable for {$3200.00}. Furthermore, XXXX XXXX case # XXXX was criminally charged with theft. She was found guilty and is serving 5 years in prison ( weekend ). So, why am i being held responsible also. This is like double jeopardy.
Consumer complaint received 2019-08-30
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)

The accounts are not belong to me. 
Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/18 I used my ATM card to deposit 2 checks totaling {$890.00} at Wells Fargo ATM at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The ATM went XXXX XXXX. It would not return my ATM card or checks. I immediately reported the incident inside the branch. The ATM was not investigated or taken offline. The 2 checks I deposited totaling {$890.00} were not returned or credited to my account. I complained to the CFPB. 
In response, on XX/XX/18 Wells Fargo told the CFPB it had issued me Monetary relief of {$890.00} for the 2 checks I deposited that were lost by and in its ATM.

Then four days later, Wells Fargo issued me a XX/XX/18 letter saying it is going deduct the {$890.00} ( it told the CFPB it had issued me as Monetary relief ) because it has been unable to locate the 2 checks I deposited in its ATM. This letter says that I need to have stop payments put on the 2 checks I deposited in its ATM, at my or the issuers expense, and that I need to have the 2 checks reissued. 

Wells Fargo 's ATM ate my deposit. Wells Fargo lost the checks I deposited. Wells Fargo is at fault but burdens me with the remedy. Once a consumer inserts checks into a bank 's ATM isn't the bank responsible for them and obligated to deposit or return them? 

Is there no sanction when a Bank submits a false response to the CFPB?
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

A merchant charged my bank account, even they were not supposed to. The merchant agreed to send the money back but they needed communication back from my bank to accept the money so I can get my refund. My bank is refusing to communicate with the merchant and block me getting my money back.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX I sent Equifax XXXX, and XXXX XXXX letters asking them to update my personal information and they still haven't updated my address and name nor replied back to me. I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) 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. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX. This is my only name and my only address. I have uploaded my Identity theft Report to this complaint today as well.
Consumer complaint received 2018-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I have been on the Revised Pay As You Earn plan with Navient for two years. For that entire time my monthly payments have not been enough to cover the monthly interest. My payments have never been applied to the principal and my accrued interest ( and total balance ) keep increasing. 

I was never made aware of the subsidy that is supposed to be automatically applied to help in this situation and just happened to come across information about when trying to figure what to do about my loans. 

I contacted Navient to try to understand what is going on, but their responses have just been to explain the subsidy, and they have not tried to look into or explain my specific situation.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Credit Bureaus also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

In mid-XXXX, XXXX, after conducting significant research, I applied for and was approved for an American Express ( AMEX ) Everyday card with a {$36000.00} credit limit. I chose this card because of 2 advertised provisions - 1. {$150.00} rebate after spending {$1000.00} ( not at issue at this time ) and the ability to balance transfer with no fee and no interest until XXXX, XXXX ( this is the provision at issue ). There was no indication that the transfer amount was limited to a dollar figure, but rather depended upon a review of relevant credit-worthy factors. It was the key provision I relied upon in securing the card. 

On XX/XX/XXXX, I contacted AMEX, to begin the process of transferring a balance. I had hoped to transfer @ {$35000.00}, but was told that my limit was {$7500.00}, based on a policy that was in effect until XX/XX/XXXX, but was changed as of that date. I eventually spoke/chatted with 4 separate AMEX employees and none could show me on their website or in the material they sent me notifying approval of any mention of a {$7500.00} limit. In fact, 2 acknowledged that the policy starting XX/XX/XXXX was in fact the same policy I relied on, that is - that any transfer amount would not be capped by an arbitrary number but by an analysis of my credit worthiness. I will provide the photos of the relevant portions of website and docs received from AMEX. 

In the best light for AMEX, they made a mistake by advertising a balance transfer policy that did not take effect until XX/XX/XXXX. To me, this is a classic Bait and Switch - Induce a financial decision based upon a promise that they never intended to comply with.
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have noticed unauthorized inquiries on my Trasunion Report as follows : XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Transunion customer service department did not help remove the negative inquiries that are reporting on my credit report.