davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (UT)

On XX/XX/2021 the loans ( 2 of them ) were paid in full. The online account reflects this as paid and customer service also confirms this. The full balance of the loans still appear on all 3 credit reports as of XX/XX/2021. The credit bureaus have confirmed the last time Lendingclub reported was XX/XX/2021. When I spoke with XXXX on XX/XX/2021 he confirmed they normally don't report the paid in full balance once paid off. I have to submit a request to have the company report the {$0.00} balance to the bureaus. I do believe federal law requires the loan company to report correctly once paid. They are refusing to do so. I now have close to XXXX sitting on my credit that I do not owe.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MO)

I signed up for XXXX XXXX  AAdvantage MasterCards, issued by Citibank, that earned XXXX XXXX miles for spending on the cards. XXXX XXXX recently terminated my frequent flier account, unilaterally and without warning, claiming that my miles were earned fraudulently. They offered no details to support this claim, and offered no opportunity for me to challenge the decision. They confiscated over XXXX miles which represent a commercial value of approximately {$5000.00}.

Since my miles were earned primarily though the CitiBank credit cards, via an arrangement Citi has with XXXX, this violates the card agreement between CitiBank and myself. I abided by all the terms of the Citi cards and they provided those miles as an inducement for my business. XXXX then stripped those rewards- Citi should be responsible for replacing the value lost.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IN)

Synchrony Bank ( Lowe 's Credit Card ) is continually trying to collect payment on a disputed charge in the amount of {$440.00} which is currently under investigation. The item purchased was never received, which can be easily verified by contacting the merchant. They have not removed the charge from my bill despite multiple requests, and initially attempted to charge interest on the balance of that {$440.00}, after I had initiated the dispute. Fortunately, they removed this interest charge upon my complaint. They still have not suspended the disputed charge.
Consumer complaint received 2018-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (NY)

I received a suspicious phone call from XXXX XXXX XXXX XXXX on XX/XX/2018. They didn't even introduce themselves and didn't say who the debt was for. I feel very scared about this and I immediately started crying. I need this to stop immediately. Please help me!!!
Consumer complaint received 2022-07-05
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. (IL)

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XX/XX/XXXX Account # XXXX DEPT OF EDUCATION/XX/XX/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.
Consumer complaint received 2020-02-13
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: TD BANK US HOLDING COMPANY (AL)

This account was negotiated for a significant less amount. The payment history is not showing correctly and every dispute I make does not fix the issue. The account was settled for {$290.00} and no payments are outstanding. All collection activity has ceased yet its still showing on my credit report and the other credit bureau 's that the balance is outstanding for a much higher balance. Its still showing unpaid and as a charge-off. The settlement was for {$290.00} from XX/XX/XXXX until XX/XX/XXXX for {$48.00} each month.
Consumer complaint received 2024-03-07
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. (MS)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC (GA)

I currently have an auto loan with Avid Acceptance. I made two payments in the month of XX/XX/2023 ; I paid {$500.00} on XX/XX/XXXX over the phone with XXXX XXXX, and I made another payment on XX/XX/XXXX in the amount of {$350.00} ( not including the {$7.00} processing fee ). These payments are not reflected on my online account. It's showing that the last payment was made in XX/XX/2023, which is incorrect. I have reached out to several representatives via email ( which I have attached ) and I have not received a resolution to this matter. Yes, my payment history has been sporadic lately but as I explained to them I am currently homeless, and I paid {$850.00} last month and agreed to come up with over {$700.00} this month to get this account caught up. I receive daily emails regarding my account. The last email I received from XXXX XXXX was today, XX/XX/2023, and all she did was apologize for it not showing accurately on my end, but stated that it is showing correctly on their end. She offered to send me a print out of my account history, but I'm not accepting that because I have no idea if this with be something randomly typed up by Avid Acceptance. They are more concerned about obtaining more money from me as opposed to ensuring that the balance online is correct. So right now I have inaccurate data as far as my loan balance, pay off amount, etc., and I do not feel comfortable paying them any more money until this issue is resolved and will not do so. I look forward to a swift resolution to this matter.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX || Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) || Account Number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX| Account Number : XXXX
Consumer complaint received 2023-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Under the FCRA, capital One are obligated to provide consumers with a proper validation of the debt upon request. However, the validation process for my account XXXX has raised concerns regarding compliance with the law. I kindly request that you provide me with the specific methods and documentation utilized to validate this debt in accordance with the FCRA. 

To support my claim, I would like to highlight the following points : - The initial request for validation of the debt on account XXXX, which was previously submitted, did not receive a satisfactory response that provided adequate evidence of the debt 's validity. 
- Capital One is required to provide detailed documentation or information verifying the existence and ownership of the debt, including a complete payment history and contracts with my signature. 
- The methods used to validate the debt should adhere to the standards outlined in the FCRA and should include comprehensive and accurate information to establish the legitimacy of the debt. 
- Provide me with the specific methods and documentation used to validate the debt associated with account XXXX, ensuring compliance with the FCRA. 
- Cease the transfer of my private information to any third-party collection agency without my explicit consent. 
- Opt me out of your system and any related third-party databases to protect my privacy rights. 

Furthermore, it has come to my attention that my private information associated with Capital One account XXXX has been transferred to a third-party collection agency without my explicit consent. This act raises concerns about the violation of my privacy rights under state laws, including 15 U.S. Code section 6801, 15 U.S. Code section 6802, and 15 U.S. Code section 1681B.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (FL)

I have written twice to Wells Fargo concerning their continuing to report negative information beyond the 5 year statute of limitation ... Additionally, I have requested documentation as proof that I was ever late on this account. They continue to stonewall me. 

The FTC issued a CASS opinion many years ago that reporting of derogatory information on a credit report is deemed to be a collection action. Since the balance of {$440.00} is no longer legally collectible, it is a violation of the Fair Credit Reporting act to continue to show this item on my credit report. 

Please have them delete this item in its entirety as it is both inaccurate and unverifiable. 

Thank you.
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (DC)

I have been a member of PenFed since XXXX. In XXXX, I began receiving a number of calls from an unknown number advising me that there may be fraud on my account. I would contact PenFed because there was no identifying information on the phone ( possible spoofing ) and they would transfer me to the Fraud company. In XXXX, the calls became more frequent and culminated this week with NO access to my funds on XX/XX/XXXX, XXXX and XXXX. 

On XX/XX/XXXX ( or the XXXX ), I complained to PenFed telephonically and via email that routine transactions ( ATM withdrawals ) are being denied and I am fielding more and more calls from the " fraud unit ''. PenFed and I together called the fraud department and I inquired about the frequency of the calls and could they annotate the account to indicate certain activity was permissible. The fraud employee stated " no '' and towards the end of the call, she became very snarky which I complained of the fact that they could not annotate " safe transactions ''. 

I continued to call PenFed about these numerous " security holds '' on my account on XX/XX/XXXX was assured that notes were placed on my file. I was blocked from escalating the matter by XXXX on XX/XX/XXXX as he informed me that I have to adhere " the to policies set forth when I opened the account ''. I replied the only " policy '' I'm aware of are certain limitations. He refused to escalate my call. I emailed the chairman of PenFed and filed a complaint with XXXX. 

I am requesting appropriate action and response to the following concerns : 1. What authority does the 3rd party vendor have to continually place 'holds '' on access to my funds? 
2. The 3rd party vendor is very happy to review the details of your account. What data is being provided to them? 
3. What level of security is in place to protect me and my PII from the 3rd party vendor? The vendor knows where I work and all my PII. I don't trust the actions of the 3rd party vendor. 
4. Why has my card access denied and why?

5. Who determined I am a potential risk for fraud?

6. Why is my account constantly being flagged?

7. Who is in charge of the 3rd party vendor? It appears they have more clout than PenFed.

8. Why are my transactions being mounted by the 3rd party vendor?

9. What policies are in place to ensure the 3rd party vendor does not overstep their authority?

10. Does the 3rd party vendor share our personal data? 
11. Is this increased scrutiny resulting from the complaint reprisal for complaining about their staffers remark on XX/XX/XXXX. 

10. How do I restrict the data that is being provided to
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (SC)

I would like to be able to scan in documents regarding this situation. 
TD Bank does promotions but they do not carry them out, in my opinion that is fraud on the consumer. They take your money and then they use it but do not do what they said in their promotion. I have sent a letter to the CEO of TD Bank in the US on XX/XX/XXXXplenty of time to get back to me. 
On XX/XX/XXXX, I walked into a TD Bank because of a promotion TD Bank was promoting. Deposit money in a new account and in 90-120 days we will add {$300.00} to your account. That has not happened. The person who opened the account was a vice-presient by the name of XXXX XXXX certainly she should have known what she was doing.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

Dovenmuehle is the biggest joke of a mortgage servicer that I personally have dealt with in all my 20 yrs of buying homes. Had a recent escrow analysis on XX/XX/20 and they claim I have a homeowners policy for XXXX and a separate hazard policy for XXXX. The fact is I only have one homeowners policy that includes hazard for XXXX. Because of this mistake they are raising my mortgage payments to over XXXX! They want this payment starting XX/XX/20. I have called multiple times to get this corrected and being told they have never seen an error like this, and it should be fixed in the next couple of days. Of course this horrible company still hasnt corrected it. On the phone now yet again with the ins. rep about there error, she started arguing about me being in the wrong, then realized it was their error, and immediately placed me on hold for now 15min. I doubt anything will get resolved today based on my history with them and their several errors with my insurance policy! This isnt the first complaint.. Im finding the only resolution is by publicly blasting this horrible excuse of a company. They are criminals and have so many complaints with similar issues. I am a realtor and will continue to warn all my clients about this company.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

My wife and I rented out first home to a family that experienced a financial hardship ( medical and unemployment ) XX/XX/XXXX. We contacted SPS concerning the payments and informed them of the lack of rental income. We filed a RMA as suggested for a short sale of the property. We were approved in XXXX after completing all the documents. The realtor was appointed by SPS that we contracted with. XX/XX/XXXX a contract was signed and slated for closing late XXXX. When the time came to close the realtor informed us that SPS had denied the Short Sale because the RMA needed to be applied for again. The docs were completed once again. We have had at least 4 closing dates that have not come to fruition. Each time a phone call has been made, there is always different information that is conveyed. The realtor has worked with SPS on several short sales and this by far was her worst. She has constantly received the run around with them also. The amount of the sale would cover the balance ( including the excessive interest that was tacked on ). But their findings was that the house was worth more according to their drive by  assessment. A foreclosure was scheduled for XX/XX/XXXX at the same time we were informed of a closing date of XX/XX/XXXX. Two days later after receiving certified mail from attorney stating date of foreclosure SPS mailed a letter that the house was taken out of foreclosure. The realtor was waiting for one form from SPS so that the house could go to closing. After calls were made on XX/XX/XXXX we were informed that the house is slated for foreclosure once again XX/XX/XXXX. When we inquired about modifying the loan ( which has a rate of almost twice the National average 7.9 % ) we were told that there were no more options other than bring the past pmts current of {$15000.00} or the payoff of {$150000.00}. The contract from the buyer was {$150000.00}. When asked reason for the denial, the only response is that the investor made a business decision. We truly dont understand the reasoning for all the back and forth for over 7 months. Each time we speak with a relationship manager there is no resolution. We believe that SPS wanted the home to be foreclosed so that their business decision would generate a uptick on the sale ( in an area that has recently seen new homes construction in the mid to upper $ 200s.
Consumer complaint received 2021-08-23
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 several certified letters to get charged-offs and collection accounts deleted due to factual information submitted to the credit reporting agency from my name being incorrect, address incorrect, date of last activity different on all three bureaus, account numbers different and more. They did nothing but sent letters stating that the information was verified. I even sent a method of verification letter and I did not get a response to that from anyone. Therefore, I have no choice but to go this route to see if I can get some type of results.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Consumer complaint received 2019-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

First I noticed that my cell phone does not work anymore so I called XXXX to find out that my cell phone number got transferred to XXXX without my approval. when I tried to open my e-mail account someone has changed my password which I tried to reset so many times.I called Fifth Third Bank to let them know about this suspicious activities to find out that my account got hacked. Someone transferred {$2000.00} from my 5/3 bank credit card to my 5/3 checking account and then the money was sent to someone's XXXX account without my authorization.
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Convergent Resources, Inc. (CA)

I discontinued service with XXXX and transferred to a different carrier on XXXX XXXX, 2015. On XXXX/XXXX/15, eight days later, XXXX referred my account to a collection agency before I even received the final bill from XXXX!! Collection notice was sent to me on XXXX/XXXX/15 threatening to take action.
Consumer complaint received 2019-08-01
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. (NV)

I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 26 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX   XX/XX/XXXX {$5000.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$290.00}??????? XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX {$6900.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, blocked from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card.and and FTC Affidavit as required in F.C.R.A Section 605B.