davidheineman/consumer-finance-complaints-large huggingface dataset:
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 information incorrect
Company: Navient Solutions, LLC. (MD)

On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to Navient to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2021, at a point in time between XXXX XXXX. and XXXXXXXX XXXX, I initiated an ATM withdrawal of {$750.00} from the TD Bank branch at XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY XXXX. However, I never received this money ; if the money was disbursed, then I must have absent-mindedly left the bank without taking it. I have filed three successive claims with TD Bank requesting that its investigators review camera footage relevant to to this ATM transaction and then release that footage to me ; and/or to XXXX XXXX, XXXX. and manager of the Bank 's XXXX XXXX XXXX, the branch most convenient to me because located nearest my residence ; and/or to the XXXX  XXXX Police Department ( XXXX  ). My third and last claim included the attached scan of XXXX Verification of Crime Report No. XXXX. 

The Bank summarily denied all three of my claims. The denial letters issued by the Bank show that the Bank 's " investigation '' of my claims was limited to determining whether my money had been disbursed and taken ( the Bank asserts that it was ) ; however, the Bank 's investigators made no attempt to review the relevant camera footage to see whether it was I who took the money. A review of this camera footage would show conclusively that, if my money was indeed disbursed and taken, it was taken by a person who entered the Bank immediately after I left ; such a review could lead to the identification and apprehension of the thief. The Bank refuses to review and release its camera footage, and it refuses even to review that footage, absent the Bank 's receipt of a subpoena from the XXXX compelling it to do so. 

I have been unable to persuade the XXXX 's XXXX XXXX, which is the Precinct that has jurisdiction of the location where the theft took place, to issue a subpoena. The Precinct 's Detective Squad is the only section in this Precinct that has the power to issue subpoenas but the Squad refuses to do so because the crime is one of petit larceny ; according to Detective XXXX, one of the Squad 's detectives, the Squad 's policy is to investigate only felonies. In accordance with this policy, the Squad handed to one of the Precinct 's Neighborhood Coordination Officers ( NCOs ), namely Officer XXXX, Shield Number XXXX, the responsibility to investigate the complaint that I filed with the Precinct on XX/XX/2021 ; as far as I can tell from my conversations with Officer XXXX, no investigation of any kind has been conducted and the case has been closed.
Consumer complaint received 2023-06-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (CA)

In XX/XX/2023, when Goldman Sachs suffered a {$470.00} XXXX loss on Marcus Consumer Bank, Goldman Sachs began withdrawing funds from our savings account for " Tax Purposes ''. They said we'd get the funds back after filing our taxes. However, these monthly ( or quarterly or whatever time period they are determining on their own ) unapproved tax backup withdrawals are lowering the balance and, thereby, lowering the interest earned. This activity was done without our approval on a checking account we had held for years without suffering any loss, fees, or unapproved tax backup withdrawals. Furthermore, we've been told that the same type of tax backup withdrawal will be applied to our CDs when they mature. We are closing all of our accounts and CDs, taking all financial backup withholding penalty fee hits, so we can get away from this unapproved financial behavior levied on us by Goldman Sachs.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (AZ)

This complaint is with my XXXX card with TD Bank.

I was late on one payment and was charged a late fee. The payment was made and now I have been charged fees every month for about a year with the total now being {$300.00}. I called twice to discuss this but the people are very rude, and stated they are not with TD Bank and would not allow me to speak with anyone at the bank.

The initial balance was under {$38.00} which is what their late fee is which I believe is illegal.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2019-01-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Collection Service (OR)

I signed a one year lease with a " XXXX XXXX '' apartment complex named " XXXX XXXX XXXX  '' address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ID XXXX. 
I moved in XX/XX/2014. The place was a real dump. I moved out exactly one year later to the day and I had given them no notice that I planned on renewing the lease. The day that I moved out I had left a money order to cover the rent from XX/XX/XXXX-XX/XX/XXXX. When I moved out, the apartment was spotless and there was no money owed  on my part and they had a {$200.00} security deposit of my on file with their office I have an account with a credit report agency and I noticed that there was an amount in the amount of {$1200.00} + that was supposedly owed by me to XXXX  XXXX XXXX. 
They { XXXX XXXX XXXX. } made no attempt at all to try to contact me with any ... '' outstanding '' money supposedly owed by me to them. 
The worst part about it is the collections agency { Action Collection Service Inc. XXXX XXXX XXXX XXXX, XXXX, ID XXXX } who has several " complaints '' files against them, keeps tacking on more money almost every month. 
The bottom line is there is no money owed by me to XXXX XXXX, or XXXX XXXX XXXX. or any cheesy collections agency.
Consumer complaint received 2019-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL RESOURCE MANAGEMENT, INC. (NY)

I checked my credit report today and it showed this medical debt for an ambulance I took. I do not even remember using this ambulance and never received information about this debt it just suddenly appeared like a shadow on my report. The company never contacted me or spoke with me before putting it in collections it just arrived on my report like some shadow.
Consumer complaint received 2019-01-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Klima, Peters & Daly, P.A. (VA)

On XX/XX/2019, the law office of Peroutka, Miller, Klima sent a legal order to XXXX XXXX and had {$750.00} taken out of my account without my authorization and XXXX XXXX let them do it. Today on XX/XX/2019, the law office took out another amount of {$130.00} leaving me in the negative on my back account. I called both the law office and XXXX XXXX and they could not give me an answer of why I was not notified on this matter.
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CT)

Received a letter ( attached ) stating that if the company did not hear back from me by XX/XX/XXXX, they would pursue legal action. Date of charge off was XX/XX/XXXX. This is now the second instance of this company wrongfully pursuing legal action. There is currently already an open complaint.
Consumer complaint received 2023-08-13
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: TRUIST FINANCIAL CORPORATION (CA)

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX onXX/XX/2023XX/XX/XXXX I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, 5 more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/ 
The hard inquiries submitted onXX/XX/ are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
Consumer complaint received 2019-01-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I went to purchase a new house using WellsFargo which was my current loan holder. They had pre-approved me for the new house loan. As we started the process, they sent me an email on FHA Loans and after taking the test, I would be able to receive {$750.00} credit towards my closing. After taking the test and sending Wells Fargo all the documents they needed, they informed me they needed more information due to a large check that was written off of my account. After providing explanation, everything seemed to be going great and I was set to close. Two weeks before closing they told me they couldn't approve my loan unless they got more documentation to confirm the check amount and why it was paid at that time. I talked to the HOA and they provided documentation that was needed. All the information that was asked, I provided and they told me a few days later, they were denying my loan. All this started on XX/XX/XXXX and my close date was XX/XX/2018. On XX/XX/XXXX, the loan was officially denied. When all this occurred I started working with a new loan company and never had a problem with this process. I feel like there was some discriminatory actions that was taken against me in denying my loan. My credit is great and payment history in the past with Wells Fargo has been top notched. Never missed a payment nor was I ever late. In fact I always paid extra. The emails that were sent to me seemed very degrading and to the fact that I was not good enough to get a loan through Wells Fargo.
Consumer complaint received 2019-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (NY)

I attended XXXX XXXX XXXX for theXX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around late XX/XX/XXXX I began  receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unofficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unofficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the XXXX, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently no one was notified that my hold was released.
Consumer complaint received 2023-08-13
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: Westlake Services, LLC (CA)

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX  on XXXX XXXX, 2023. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
Consumer complaint received 2019-01-06
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. (NY)

I attended XXXX XXXX XXXX for theXX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around late XX/XX/XXXX I began receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unnoficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unnoficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the XXXX, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently noone was notified that my hold was released.
Consumer complaint received 2019-01-06
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. (NY)

I attended XXXX XXXX XXXX for the XX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around lateXX/XX/XXXX I began receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unnoficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unnoficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the Registrar, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently noone was notified that my hold was released.
Consumer complaint received 2018-12-28
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: WELLS FARGO & COMPANY (TX)

On XX/XX/2018 I had sent WELLSA FARGO DEALER SERVICES a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX.

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

I received a letter on XX/XX/2018 asking for additional information to address my credit " DISPUTE ''
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (FL)

I was on the Wells Fargo website and it basically has a banner for government officials going through hardships. I called on XX/XX/2018 and spoke with a nice gentleman explaining if next month as a government official how are you Wells Fargo helping those victims? And his response was we will waive late fees but not defer payment so credit is not effected. After all Wells Fargo knowing that it was defrauding customers to the point of then CEO stepping down and I believe having to give the money back. In my opinion if Wells Fargo is trying to help the American people then why are they not giving extensions so credit ratings are not impacted by the call on Mr President to close aspects of government.
Consumer complaint received 2018-12-28
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. (GA)

On XX/XX/2018 I sent a certified dispute letter to Experian regarding reportings of bankruptcy on my credit report. I asked that the information be removed because they are not my files and to provide proof of verification on how they obtained this information. On XX/XX/2018, I received an email from experian stating that the information was updated and is accurate. On XX/XX/XXXX I called experian to receive proof of verification and I was laughed at over the phone, I was told they didnt have to provide proof of who reported it. I also spoke with a floor supervisor name XXXX who states he is in a call center in XXXX XXXX XXXX XXXX. XXXX informs me that the bankruptcy court verified this information. However I spoke with the clerk of the US Bankruptcy Court of XXXX District Georgia who informed me that they do not report any information to the credit agencies. Experian is refusing to provide me with the company whom they claim verified this information. And based on the information I received they did not get verification.