davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heritage Financial Group, Inc. (TX)

Company name : Heritage Corporation XXXX XXXX XXXX XXXX, XXXX, IN XXXX Phone : XXXX XXXX This company has reported derogatory information to major Credit Bureaus on my behalf. Company claims that a debt of {$11000.00} is owed and has been charged off. i have written this company and requested for documentation to be provided to me of original contract and proof of my identity agreeing to such debt. In response this company represenative by the name of XXXX XXXX, replied to my letter stating she has no record of debt on file. this letter was recieved XXXXXXXXX2017. However, this company continues to report derogatory information into my credit file. <P/>I am asking that this company delete this inaccuracy out of my file after failing to supply me with any information that I have requested. This debt does not belong to me.
Consumer complaint received 2018-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

please remove my hard inquires as your customer Service was very rude and not professional and would not help me to remove the inquiries 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 2021-12-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

Collection notice for debt that does not exist by an entity that is known for fraudulent claims collections. This was dated XXXX for the amount {$13000.00}. The name addressed is not correct either. I also contacted the company the supposed debt was for and they had no record of any such debt.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WINN LAW GROUP, APC (TX)

I received a letter dated XX/XX/2019 from a Winn Law Group,  this collection law firm In XXXX  threatening me with legal action and a judgement against me. I am not a resident of the state! The debt they are trying to collect was acquired in XXXX and has reached the 4 year statue of limitations to collect the debt in the state of XXXX.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

Starting XX/XX/2018 I made online payments through XXXXXXXX XXXX to my TD Bank Credit Card. I used the same payee as I have been using for the past 2 years without incident, no changes from my side. I made 3 transfers, {$2000.00} on XX/XX/XXXX, another {$750.00} on XX/XX/XXXX, and {$100.00} on XX/XX/XXXX. As of XX/XX/XXXX I started receiving calls from vendors I had made TD bank credit card payments to saying my CC was rejected. I went onto my TD bank online account and found the money was never posted. 

Beginning XX/XX/XXXX, 3 days, ago I started making strong and even frantic calls to both XXXX and TD Bank. TD Bank customer service rep I first spoke with told me that " I've been getting calls like this from XXXX customers all day ''. Later I spoke with a supervisor who told me that it was a known issue but that I had to call XXXX. 

XXXX employees contacted their 'back office support team ' and were told on two different occasions that my money was not only sent on the XXXX but SHOWN AS RECEIVED BY TD BANK. Yesterday XX/XX/XXXX they told me that they could not give me my money back ( as TD supervisor had told me earlier that day - go to XXXX and get your money back and then send it again to us! ). XXXX told me that they did not HAVE the money. They then gave me the tracing numbers on the 3 transfers which as you see below I gave them to level 2 support but have heard nothing back.

For two further days I have spoken with XXXX and TD. Though XXXX has been pro-active, following through and phoning me back, to this moment TD has not contacted me once, instead I have to waste close to 30 minutes each call just getting through to the right team and getting a supervisor online. None of which have a clue and just say things like " this is being looked into '' and " this is being worked on. Starting 2 days ago I asked level 2 support credit card support supervisor at TD Bank ( I have names and ID number of at least her - she's very nice and caring but completely ineffectual ). for the following : a. WHO STOLE MY MONEY, I need to know where it is and stop getting the run around. Her answer is only " we are working on that but we were told to tell you to contact XXXX. 
b. I need a letter from TD bank absolving ME of this to send to my vendors/creditors since I am looking bad though I have done my duty to send {$2800.00} which has either been stolen, diverted or lost in the eithers! They said they would request this from Corporate and 2 days later I have not received anything.

c. An explanation of what has occurred, no matter when I am given the money back ( which I of course will happen any day now ).

Just now after another 2 hours bouncing between departments, I was able to find the phone number of the Corporate Complaint Center, I called and there is a machine I left a message.
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Hello, I'm registering a complaint against XXXX XXXX for the inappropriate assessment of late payment fees and interest to my account. My statement dated XX/XX/XXXX included a late fee and interest assessed on XX/XX/XXXX. I mailed my payment on XX/XX/XXXX or XX/XX/XXXX along with other payments to different vendors. All received their payments before XX/XX/XXXX, except XXXX which took the extra step to convert my payment to an eCheck and it cleared on XX/XX/XXXX, after the statement cutoff, and conveniently so they can add an extra fee. I called to raise the concern and they were unhelpful, mentioning that because I had closed my account, they would not reverse the fee that was assessed. If one looked the postmark date of the payment, they would clearly see that this was postmarked before the due date and was received timely. I'm aware that this crossed the XXXX XXXX holiday, however it seems like I am being taken advantage of, or at least being forced to pay a fee for their untimely processing. 

To avoid continuance of this problem and to put an end to my relationship with XXXX XXXX, I'm remitting the full amount due for the current statement ( though I don't feel it is appropriate ). I respectfully request the Bureau 's  assistance in having the {$31.00} refunded. 

Thanks, XXXX
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I submitted a payment on my XXXX store card in advance via XXXX store app. Once I realize that the payment pending on my bank account I contact XXXX Customer service to have the pending payment cancelled or edit the payment to another future date because I didnt have enough money to cover the payment until next pay period. I mixed up the Pay date when submitted the payment. 
I was placed on hold over twenty minutes, transfer to CS in the XXXX, lyed to & the payment was submitted 3x even though I tried to resolve this payment issues before the payment process, after the 1st and 2nd payment processed. Customer service finally informed me that once I submitted a payment via XXXX app, in small print, it pre-authorizes XXXX to re-submit a payment 3x. I had never had a return via XXXX  app so I was not aware of this pre-authorization in which over drawn my bank account for {$100.00} and charged me a {$35.00} late fee on my XXXX store card. 
The total fees are too excessive for 1 return payment. My credit card had a positive balance before this mistake.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (MN)

I signed up for XXXX ads ( Account XXXX ) based on our business budget. Please see the Attached screenshot XXXX XXXX Agreement, as it says : Keeping with average daily spends of {$19.00} across all account, which fits our budget no more than {$600.00} per month. 

In XXXX, I was shocked by the amount automatically charged from my credit cards almost {$500.00} every 4-5 days. ( My normal XXXX Ad through this account is no more than {$60.00} per month ) I was charged {$2000.00} in XXXX alone on the card end with XXXX, plus {$1000.00} for just HALF MONTH on XXXX on the card end with XXXX. 

The details are as below : On card XXXX : {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX, {$500.00} on XXXX, {$500.00} on XXXX ( that is billed on XX/XX/XXXX, the last day of XXXX by XXXX ). 

On card XXXX : {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX. 

After a dispute, I received only the wrong charge on XX/XX/XXXX and XX/XX/XXXX, but not those on XX/XX/XXXX and XXXX, which is a total of {$1000.00} wrongful charge.
Consumer complaint received 2023-03-19
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. (IL)

i do not recognized these inquiries, i have reported this to the bureaus but they refused to remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FRANKLIN LOAN CORPORATION (CA)

I started a refinance process in on XXXX XXXX and provided all the documents that were requested by this lender Franklin XXXX located at XXXX XXXX XXXX, XXXX XXXX phone # ( XXXX ) XXXX After all the necessary documents were processed and finalized then on XX/XX/2022 a notary was to come out for the final signing. Then it was canceled and rescheduled for XX/XX/XXXX a Monday, Then it was cancelled again and rescheduled for XXXX XXXX. Then it was canceled and rescheduled for Friday XX/XX/XXXX, So today is XX/XX/XXXX and it has been rescheduled to XX/XX/XXXX See the pattern here not only has this process been on going since XXXX and 3 months later still no resolve. 
I think this company is either incompetent of discriminatory and just does not want to complete the loan ( ever ), I call and can never get anyone to answer the phone they may respond to my emails a few days later but never an immediate response to my concerns.
Consumer complaint received 2022-07-10
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX. I am writing this complaint myself, there is no third party involved. After reviewing my most recent credit report from EQUIFAX I noticed fraudulent and unauthorized inquiries on my report. I have filed an FTC report and sent EQUIFAX a handwritten notice and identification ( tracking # XXXX XXXX XXXX XXXX XXXX ) with instructions to delete 8 fraudulent and unauthorized inquiries within 4 days, pursuant to 15 USC 1681c-2. I am demanding the immediate deletion of a collections account for {$240.00} listed with incomplete information. I do not recognize it as an obligation of mine. 
There is no creditor listed and no contact information to inquire for more details. It is impossible that EQUIFAX could have validated and verified this account before reporting it without detailed information on the creditor and the account. In addition, I am also requesting a full record of how the collection account from XXXX XXXX was validated and verified. EQUIFAX must prove to me that they are in full compliance with the FCRA and FDCPA, as I'm aware that credit reporting is voluntary and not mandatory, I do not recall giving XXXX XXXX written permission to report private potentially negative information to a third party, nor did EQUIFAX receive such consent from me. It is against federal law to report alleged debt when the account has not been properly verified and validated with original documentary evidence. EQUIFAX must provide me with such documentary evidence or remove the XXXX XXXX account immediately.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (TX)

I received an email on XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card from XXXX/U.S. Bank and it offered a 0 % introductory rate for 15 billing cycles and {$150.00} cash reward bonus if {$500.00} was spent within the first 90 days for eligible purchases. I applied for this offer using the confirmation code provided and was approved but after using the card and meeting the terms my statement balance incurred interest for regular purchases. I reached out to U.S. Bank about my account and spoke to a representative that soon stated " this was not a bait and switch '' and shortly after I requested a supervisor. I was given no reason why my account reflected completely different terms and was told that more information was required and anything to support my claim should only be faxed or mailed. I faxed the documents on XX/XX/2022 of the email offer which even had the confirmation code included to Card Member Services and confirmed it was being reviewed. Next I told my request for this to be corrected to the intial agreement had denied and a letter stating this along with different terms was being mailed. Over the period of two weeks speaking to four supervisors and multiple agents there was no resolution for me and I was told they would not honor the terms offered and nothing further could be done. Finally the company maintained the claim I was at fault and my only option would be to except that my account will accumulate interest and I will not be receiving the {$150.00} that was offered and I agreed to when signing up for this specific and offer.
Consumer complaint received 2024-03-22
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sunnova Energy Corporation (TX)

18 months ago I had a solar panel go out. It took them 2 months to fix it. 3 days later I noticed next panel out. Said needed parts and took over 4 months. 3 days later I noted a XXXX panel out and it took 4 months to get to house. Tech came out and said either critters on roof did damage or the wind did it from wires moving. Said he couldnt fix that day it will need a crew to help. He also stated this happens often and it would be covered. On XXXX XXXX, 2024 I noticed system turned off and not reporting. Several phone calls and over XXXX emails I still dont have system operational. It is only XXXX of XXXX panels. I tried to not pay the $ XXXX  monthly charge and got threatening letters. Since I need good credit, I had to pay, and continue to pay for a service that was turned off. XXXX XXXX needs looked into as they are doing this to many.
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (WA)

I received a letter from ERC ( debt collector ) dated XX/XX/2019 for {$410.00} about an an XXXX XXXX Credit Card ( XXXX XXXX  ) for an account that I closed more than 2 years ago. I never received any communication about me owing money and this was the first communication on the topic. I paid right away as I didn't want my credit score to suffer. 

First, this is a charge that I didn't owe. Second, I need this to not impact my credit score.
Consumer complaint received 2018-05-07
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. (TN)

Credit score keeps dropping for no reason. Opened a new XXXX 's credit car and charged {$100.00} of which {$60.00} has been paid. I want to know why it has fallen 100 points when I have nothing derogatory on my report and all charges are paid on time??? Second request with no answer. XXXX had to correct the same situation 2 months ago and now Equifax has lowered my score. It is a domino effect that snowballs.
Consumer complaint received 2018-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (CO)

I have repeatedly stated that I was on XXXX. Not XXXX, both the medical Bill 's are paid. Plus, this collection agency is in violation of HIPAA rights. They cant provide me with my original bills I want these petty medical Bill 's removed permanently from all three credit bureaus.
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I as of late sent a debate letter to TransUnion, XXXX, and XXXX on, XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Agency. The explanation I'm documenting this protest against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Consumer complaint received 2018-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

My issue is with my federal school loans being discharged through the Public Service Loan Forgiveness ( PSLF ) Program. XXXX XXXX handles all PSLF applications and have no other way to resolve my issue but through them. I have been eligible for PSLF since the beginning of XX/XX/XXXX. XXXX XXXX  contends that I still have more than 3 years left to pay on my federal loans to become eligible. Their basis for that conclusion is that I consolidated my previous federal loans into one in XX/XX/XXXX, making all previous payments ineligible. My first contention is that I was told several times by the previous loan servicer that the consolidation would have no effect on my PSLF and I was encouraged to consolidate.

My second contention is that ALL my school loans have always been federal loans ( Federal Stafford Unsubsidized/Subsidized, Direct Unsubsidized/Subsidized, Direct Consolidation Loans ). Per 34 CFR 685.219, I have met all the requirements allowing my school loans to be discharged through PSLF. Nowhere in that CFR does it state that consolidating previous eligible federal loans into one federal loan makes previous payments ineligible. This means XXXX XXXX and/or Department of Education ( DoE ) are arbitrarily foregoing what the original CFR states and denying PSLF applications. XXXX XXXX is refusing to acknowledge this error in their assessment of my PSLF application and change course so as to rectify the issue. I have no way to appeal to any other loan service provider and/or to someone who can recognize the multiple flaws that plague XXXX XXXX   assessment of PSLF applications.
Consumer complaint received 2018-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2018 I used my credit card to rent a car through XXXX XXXX XXXX XXXX. This is my second occurrence of being over-charged by XXXX. However ; on this occasion XXXX customer relations promptly addressed the matter after previewing my filed complaint and the invoice and subsequently credited my account {$44.00} from the originally charged amount of {$110.00}. Which meant my actual bill totaled {$100.00} and the matter was closed due to the amount being paid in full. 
I in this same timeframe disputed the charge with Capitalone my credit card issuers, who upon receiving documentation from XXXX credited my account {$100.00} which I never used for any purchases. Since this charge my monthly finance fees have eaten up this provisional credit. I have asked Capital One why they didn't just bring my balance back to XXXX after discovering the credit from XXXX and seeing that in fact the actual amount to be satisfied had been paid in full which was {$100.00}. Secondly, customer relations representatives made notes on my account reflecting my conversations and the supporting documentation I personally provided via my email address : ( XXXX ). 
It appears to me that by consistently placing this purchase as a recharge every month they can continue adding excessive fees and increased monthly payments which I think is bad business practices. Lastly, no matter how successful I am in paying my credit card on time over the past 8 years I have never qualified for a no interest credit card with no annual membership fees. I believe this is a factor in this current matter.
Consumer complaint received 2023-03-17
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. (AZ)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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