davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (WA)

I opened a XXXX  XXXX XXXX in XX/XX/2018. When it came time to make my first payment ( for a bill that was due on or around XX/XX/XXXX ), I first tried to make an online payment on XX/XX/XXXX and inadvertently entered the wrong bank account information online. This should have been an easy error to correct, but XXXX   failed to notify me ( either by phone, mail or email ) that the payment did not go through. A couple of weeks later, after noticing that the payment had not been deducted from my bank account, and a couple of days before the XXXX  XXXX XXXX bill due date, I attempted to make the payment again on XX/XX/XXXX with the online payment information that has been saved to my account. On XX/XX/XXXX, after noticing that the payment still had not been deducted from my checking account, I called XXXX  XXXX XXXX customer service. Although I had signed up for email alerts and first attempted to make a payment several weeks ago in XXXX, that call was the first time I was informed by XXXX that my payments had been rejected, that online payments for the XXXX XXXX XXXX had been suspended, and that my XXXX XXXX XXXX had been canceled. I paid my bill over the phone with the correct bank account information ( which was deducted from my bank account the next day on XX/XX/2018 ). 

If XXXX had timely informed me when my first online payment was rejected, I could have fixed the bank account information and paid the bill well before the due date. When I complained to XXXX  XXXX XXXX customer service about this lack of notice, I was told that XXXX had no obligation to notify me of returned payments or account closures. In fact, I did not receive a written notice from XXXX  informing me that the online payments did not get processed until XX/XX/XXXX ( with the letter dated XX/XX/XXXX, the same day I called XXXX XXXX XXXX and made a payment via the phone ). That same day, I also received a letter from XXXX  ( dated XX/XX/XXXX - the day before the letter notifying me that my online payments had not been processed ) announcing that they were closing my account because of too many returned payments. 

I used to be a frequent customer at XXXX but after my terrible experience with XXXX XXXX XXXX, I will avoid shopping at XXXX going forward.
Consumer complaint received 2022-03-10
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. (IA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and
Consumer complaint received 2022-03-10
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-01-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Transunion Consumer reporting agency regarding the account ( XXXX XXXX ) that still remains on my credit report which was established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from Transunion Credit Report. XXXX XXXX also has since been removed and blocked from my XXXX  Credit Report. I've sent Transunion Consumer reporting agencies several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect XXXX and Transunion to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit report.
Consumer complaint received 2019-03-30
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: Equitable Acceptance Corp (NC)

I have been trying to dispute equitable acceptance off my credit report itd decreasing my credit this is something I cant control. This company is a 3rd party scammer Through XXXX XXXX XXXX I was making auto draft payments for about 2 years {$42.00} I reached out to my bank to stop payments and I spoke to a NY lawyer who explained there is a lawsuit out now and Im not the only one effected by this. I want this company removed off my credit. XXXX XXXX XXXX was removed off my credit so should equitable acceptance please remove this or I will get a lawyer involved for something I cant control
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WI)

I was charged an annual membership fee on XX/XX/XXXX for {$99.00}. I paid off the annual membership fee on XX/XX/XXXX before the statement posted. Chase did not apply the payment to the highest interest item on the account which was the {$99.00} fee. They instead applied the payment to the 0 % interest balance transfer. 

According to Chase 's credit card terms : 'We will begin charging interest on balance transfers and cash advances on the transaction date. '' This means by their own definition the {$99.00} fee is the highest interest item on my card at the time the payment was made. They are trying to hide behind the fact that the charge was not posted to my account. That doesn't matter since there terms state the " interest is charged from the date of the transaction '' not from the post date. They can't charge me interest and not allow me to pay it off. I live in Wisconsin and there is no prepayment penalties allowed. I tried to prepay the amount before it posted to the account and they still charged me interest. 

I was charged XXXX interest on XX/XX/XXXX ( I paid over {$100.00} over the minimum payment ) I was charged XXXX interest on XX/XX/18 I was charged XXXX interest on XX/XX/18
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

I get my credit report every year. I was reviewing a alleged debt from Westlake Financial Services from my XXXX and XXXX credit report. XXXX credit report dated XX/XX/XXXX and my credit report from XXXX.Upon reviewing the two alleged accounts I noticed that Westlake Financial Services has illegally re-aged this alleged debt. XX/XX/XXXX reports open date XXXX and date of last activity XX/XX/XXXX. My credit report from XX/XX/XXXX reports a open date XX/XX/XXXX and date of last activity XX/XX/XXXX. My XXXX Credit report from XX/XX/XXXX shows a open date of XX/XX/XXXX, and no date of last activity. XXXX shows a repossession date of XX/XX/XXXX. XXXX credit report from XX/XX/XXXX shows a open date of XX/XX/XXXX and no date of last activity. Also the balances have been changed. Westlake Financial Services has willing and willfully committed a illegal violation of the Fair Debt Reporting Act and the Fair Debt Collections Act. I also will be filling a complaint with the state attorney generals office and the federal trade commission.
Consumer complaint received 2021-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

An XX/XX/XXXX payment was made to Loan Depot. XXXX XXXX  tracked the payment and confirmed that it had been received by Loan Depot. This payment has been in dispute since XXXX. Loan Depot told us originally this would be settled by XX/XX/XXXX. The current XXXX statement XX/XX/XXXX charged us a late fee of {$45.00} for the XXXX payment when the bank statement shows the withdrawal was made on XX/XX/XXXX. When is this going to be settled?
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

So around XX/XX/2018 i deposited {$500.00} in cash and a check of {$2500.00} at a Chase ATM. 

First I put in the check, then the cash and the ATM said there was an error so it didnt print a receipt, nor was the cash and check dispensed back to me. 
I decided to check my Chase app and didnt see any of the deposits, instantly parked and went inside to file a claim with the manager. 
After a few days, they reported that the technician found the check and it was deposited correctly but that there wasnt {$500.00} in surplus so they didnt credit my account. 

I know for a fact I had deposited the {$500.00} in cash, so the ATM May have spat out the money afterwards. I requested to view the ATM footage so that they could see me physically inserting the money into the ATM and they said they couldnt show it to me. 

My claim with Chase was # XXXX
Consumer complaint received 2018-08-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (AZ)

I was sent demands for payment on several occasions by a credit collection agency named MRS Associates of New Jersey that has NOT proven a debt is mine. I received these demands dated XX/XX/2018, XX/XX/2018, XX/XX/2018. I also received a letter from the collection agency, which has no date on it, claiming that documents they recieved from the original creditor proves they have the right to collect from me. I never signed any contract with the debt collection agency. I have sent 2 letters dated XX/XX/2018 and XX/XX/2018 asking for the debt collection agency to validate the debt, but they have not been able to produce the tool of indebtedness they claim I owe them. They have failed to validate my request for proof I have a valid debt with them. This is a violation of my rights under fair debt collection practices.
Consumer complaint received 2018-08-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NE)

I have gone through the mortgage modification application process, and agreed to the offer. The application was submitted in XXXX and accepted as complete on XX/XX/18. As I was waiting for the decision back from Flagstar Loss Mitigation, I received an envelope only marked confidential posted to my door on XX/XX/18. According to what I was told, as soon as my loan was transferred to loss mitigation for application review, all  foreclosure and debt collections would cease. They sent someone to my home to post a nondescript letter on my door marked confidential. My name and address were nowhere listed an pretty much anyone could open the letter as it was not sealed shut, only folded shut. I feel as if this is harassment as I then returned the signature page and full agreement back to the bank on XX/XX/18 stating I agree to make the modified payments and I understand my first payment is due on XX/XX/18. Today XX/XX/18. I had yet another envelope attached to my front door stating I need to contact my mortgage company. Why? I signed the agreement and it's not the payment due date. This is very embarrassing and harassing since I have already signed and returned the agreement.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIMMONS FIRST NATIONAL CORPORATION (MA)

I refinanced and almost 6 months going on with this proble

m. I filed 3 or 4 times a automatic monthly payment form to deduct my monthly mortgage. And still it's not deducting monthly without me calling yhe bank. They say everymonth that " sorry for the problem but you are all set from here on ''. Every month I need to call them and state that my monthly mortgage is not taken. Also I get every month a letter in the mail that my mortgage payment is past due! Most importantly is my mortgage amount is not up to date! Mortgage statement is missing 2 payments! Please help! Please advice if I need to talk to a lawyer.
Consumer complaint received 2018-08-20
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. (GA)

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on Transunion since XXXX although the account was transferred to another servicer as reported with XXXX  XX/XX/XXXX. I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly several years to get this resolved to no avail.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Picture of proof included XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 


PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX & 90 DAYS LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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. 

XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (NC)

I was looking over my consumer report and I noticed that a Charge off is reporting on my consumer report that should not be there because the information is different across the Credit Reporting Agencies which means it's inaccurate and in violation of the FCRA. The IRS also defines what a charge-off is. 

As defined by the IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies 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. 

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (GA)

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on XXXX since XXXX although the account was transferred to another servicer as reported with XXXX  XX/XX/XXXX. I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly several years to get this resolved to no avail.
Consumer complaint received 2022-03-10
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GABA LAW CORPORATION (CA)

Gaba Law Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, a debt collection lawyer, filed a law suit in XXXX Superior Court demanding payment of {$2600.00} for a debt that was not owed. 
Action was filed on XXXX XXXX, more than 4 years after I made the final payment to the creditor in XX/XX/XXXX. XXXX 's suit is barred by the CA stat. of limitations. I have a written receipt from the creditor for the entire final amount due. 
XXXX XXXX, the debt collector and his erstwhile creditor never made even a single demand for payment of this fake amount during the entire 4 years, because I didn't owe anything. The XXXX XXXX debt collection law firm specializes in this type of coercive, fraudulent use of lawsuits to collect court-imposed penalties against innocent consumers. 

For example, in series of car repossession deficiency cases, XXXX XXXX filed collection lawsuits, falsely claiming that the amounts were owed for '' credit card '' debts to avoid the deficiency notice required under the CA Auto Sales Finance Act. 

However, in a XXXX federal consumer class action in U.S Dist CT N.D. CA ( XXXX XXXX ) XXXX XXXX XXXX, Case No XXXX, Consumers were awarded {$380000.00}, costs and attorneys fees against him and his client, in addition to the amount awarded to compensate members of the class. 

His method of collection is to file lawsuits against consumers for relatively small amounts, wait for the consumer to default. Then, he moves in to collect attorneys fees based on predictable defaults from courts that are unaware of his method of collection. 

If you are sued by this debt collection law firm in California, Beware!
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (IA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (PA)

On XX/XX/21 I received an email from XXXX XXXX and a phone call from Discover Card stating that someone had submitted an application to open a credit card in my name. I would have had no reason to apply for a new credit card, so it was determined that someone else fraudulently submitted an application for a Discover Card. I do not have a Discover Card and have no interest in getting one at this time.