davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (MA)

In XX/XX/XXXX I opened a checking/debit and also a savings account at TD Bank. The two accounts were linked and were supposed to draft from the savings if the checking/debit had insufficient funds. Well my wife went into labor and we had a new baby girl. When the whirlwind of that process died down. I checked my TD Bank balance as I believed I may be close to depleting the checking/debit balance. 
What I found were multiple {$35.00} fees for overdraft near {$200.00}. They also manipulated the sequence of purchases to maximize the {$35.00} fees ( ie ; {$1.00} for a coffee was moved to cause a {$35.00} fee before new funds were added. Furthermore, the accounts were supposed to be linked, I had the money to cover every single purchase I made, in my savings account. 
What happened next was even worse, the customer service reps gave me the run around for weeks. Finally as supervisor told me only a branch manager could reverse those fees. I went to the XXXX, MA. branch on XXXX XXXX. Despite my explanation the manager only refunded {$30.00}. 
Feeling defeated and facing 30 days I paid the fees even though I knew I wasnt liable for them. 
Two years later, I received a letter from TD Bank stating that a third party audit found that I wasnt liable for the fees!! Included in the letter was a check for what I paid plus interest. Great, I thought case closed they realized their error and made it right. I threw out the file of logs and paper I had proving my case. 
Turns out that around that time in XX/XX/XXXX TD Bank reported me to the XXXX as Flagged for 1.  Overdraft 2. Account abuse. As a result I was declined in opening an account for my now XXXX year old daughter. Apparently I would have been declined if I tried to pay for groceries via check or tried to cash a personal check somewhere other than my bank. 
Even though they reported on XXXX that the account was paid in full it also said, charge off. 
I called TD Bank got the run around and was finally told we have no record of you being paid back the fees or any letter sent. They then went on to say they dont have the authority to make changes on the XXXX. When I asked for a supervisor who did have the authority they said my only option to speak to one is a callback within 24hrs. I left my number and sure enough, they never called. Im not sure what else to do and hope that your office could help me, please.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

As of today 's date XX/XX/2020, I just paid directly to Equifax to obtain a copy of my credit report. they informed me that they removed the inquiries in question but in the current report I just obtained they are all still listed. Also, I faxed a letter over to them at a number Equifax supplied to remove a 10 year Chapter XXXX bankruptcy from my credit report to which I have a letter from their sister company XXXX XXXX stating they have removed the bankruptcy from their ( XXXX XXXX ) database. I have attached all the supporting documents.
Consumer complaint received 2015-12-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (FL)

my mother had an equity loan with suntrust bank which at the time me and my wife co sighed for with her payments we always being paid my mom passed away we continued to pay my wife was in a car wreck which put her out of work we owned another house that we sold split the money up to catch up on payments went to suntrust to make payment the teller refused it said they turned it over to collections they said it is now a mortage i tried to work with them for a loan modification after months they refused said even if i paid the rears to catch up they show no records where we co sighed also paymet would go from {$400.00} per month to {$1200.00} i had to send moms death certificate and show i was in charge of her estate i am on XXXX and this loan is not the first mortgage i am trying to keep my home and put both loans together seems like i can not find any help i really want to keep our home
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

THIS COMPLAINT IS BASED ON THE INAPPROPRIATE DEBT COLLECTION PRACTICES BY XXXX XXXX XXXX IN REPORTING ME TO DEBT COLLECTORS, MOST RECENTLY ONE NAMED 'ERC ' FOR MODEMS THAT I HAVE SINCE RETURNED AND ON TIME : THIS DEBT COLLECTION ISSUE HAS TO DO WITH AN ACCOUNT I USED TO HAVE WITH XXXX XXXX BACK IN XX/XX/XXXX. WHILE I DO NOT OWE THEM, THIS IS IN REGARD TO THEIR RETURN OF THEIR MODEMS. THEY WERE ITEMS THAT I HAD RETURNED ON TIME, BUT THEY SEEM TO NOT HAVE PROPERLY SYSTEMS IN PLACE FOR RETURN AT THEIR WAREHOUSE. SO, THIS ERROR IS PURELY THEIR FAULT NOT MINE. 
I HAVE SINCE RETURNED THESE MODEMS USING THE RETURN SHIPPING LABEL GIVEN TO ME BY XXXX XXXX FOR THIS PURPOSE AND WHICH I HAVE ATTACHED TO THIS COMPLAINT. 
I HAVE RETURNED TO THEM THE 4 ITEMS THAT I HAVE EVER RECEIVED AND SENT BACK, THE SHIPPING LABEL WERE ON THE BLANK SIDE OF EACH FORM. 

FOR WHATEVER REASON I AM NOT SURE, BUT XXXX XXXX HAS BEEN SELLING MY INFORMATION TO COLLECTION COMPANIES ( COPIES ATTACHED ). FIRST IT WAS A COMPANY NAMED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX. THIS COMPANY KEPT CALLING ME, SO I CALLED XXXX XXXX  TO DISCUSS THIS MATTER AND UPON THEIR INTERNAL INVESTIGATION THEY DETERMINED THAT I HAVE INDEED MODEMS AND THEY WERE RECEIVED IN THEIR WAREHOUSE. 
THUS, WITH THAT CONFIRMATION NUMBER I CALLED BACK TO XXXX XXXX XXXX XXXX AND TOLD THEM TO CALL XXXX XXXX TO CONFIRM THAT THE DEBT DOES NTO EXIST. THEY PROMPTLY STOPPED CALLING ME OR SENDING FURTHER NOTIFICATIONS. 
I THOUGHT THAT XXXX XXXX HAS FINALLY AMENDED THIS PROBLEM AND PROPERLY UPDATED THEIR RECORDS TO STOP THIS UNJUST HARASSMENTS. NOT THAT THEY APOLOGIZED OR ANYTHING BUT XXXX XXXX XXXX XXXX DID CONTACT THEM AND STOPPED CALLING ME. 
YOU CAN IMAGINE MY DISMAY WHEN LAST MONTH, I RECEIVED THIS NOTICE FROM A NEW COMPANY ERC THAT I OWED XXXX XXXX FOR THE SAME DEBT OF {$310.00} AND I MUST PAY THE AMOUNT BACK. I REALIZED THAT XXXX XXXX STAFF MEMBERS ARE PROBABLY STEALING MODEMS AND DEVICES AND DENYING RECEIPT OF THEM, BECAUSE THESE MODEMS ARE TOTALLY USELESS TO CUSTOMERS EXCEPT TO THEIR XXXX XXXX   ENGINEERS. 
IN ADDITION, I ALSO NOTICED A LOT OF DISCREPANCIES IN THEIR ACCOUNT INFORMATION AND HOW THEY TRIED TO RESTART AN OLD ACCOUNT AND CLAIM THAT ITS MINE AND I MUST PAY FOR IT. 
XXXX XXXX HAS DONE QUESTIONABLE THINGS THAT SEVERELY DAMAGED MY REPUTATION TO CREDIT COLLECTORS. 
IT HAS ALSO VIOLATED MY PRIVACY AND SOLD AROUND MY PERSONAL IDENTIFIABLE INFORMATION, IN VIOLATION OF THE LAW. 
THIS ISSUE NEEDS TO BE RESOLVED ASAP BECAUSE I DO NOT HAVE ANYTHING TO DO WITH THESE COMPANIES THAT ARE HARASSING ME.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX XXXX, 2016, I sent a letter to Transunion disputing an erroneous judgment that just recently appeared on my credit report. This error is preventing me from buying a car, renting an apartment, and from taking out loans needed to operate my business, thereby seriously damaging me financially. After 30 days of sending this letter, I received no response at all, so sent a second letter on XXXX XXXX. Again I have received no response, and this issue has not been resolved. 
The issue date of the judgment listed on my report was over 10 years ago, and it only appeared on my credit report sometime late last year. I found out it was there after being denied credit. I sent the same letter to XXXX on XXXX/XXXX/2016 and they promptly deleted the item from my report as it is very clearly in violation of Fair Credit Reporting Act. 
I am attaching copies of the letters I sent, along with certified mail receipts, and a copy of the letter I received from XXXX showing where they removed the item. 
Thank you very much for your help in resolving this matter. 
Best regards, XXXX XXXX
Consumer complaint received 2023-03-16
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. (NJ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ). Account # XXXX I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, and Transunion did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit and payment history is not correct on three credit as well. 
Which is a violation. This is impacting me from moving forward with my future plans. 

attach my previous credit report and my new credit report to show how XXXX violated my rights
Consumer complaint received 2022-03-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently reached out to the three credit reporting agencies in regards to removing XXXX XXXX off my credit report because of the inaccuracy and the erroneous it have allowed this creditor to report, I submitted numerous times in writing through via mail ( see proof of receipts ) attached. I also have submitted direct dispute through there online portals with each CRA and nothing have got resolved, as a consumer I have the right to dispute anything on my credit report that doesnt appear to be accurate, so after challenging these CRAs I received correspondence from the creditor on XXXX XXXX stating that they have sold the car and that the car been in they possession since XXXX XXXX and I provided the CRAs that letter as well waited for an additional 30days only to be told that the direct furnisher was handling dispute personally after they said the information/ account was verified accurate, I checked my personal information that was associated with this account and none of the personal identifiers reflect my credit profile information so how can you say this account is accurate if the information used to associate me with this account is not there? How did yall verify this information? this lead me to conclude all three credit reporting agencies have violated the FCRA laws for being non compliant and allowing this furnisher to continue to report and should dealt with. After numerous times reaching out trying to get this debt resolved I was told the dispute wouldnt be reinvestigate because of the information was verified accurate which is contradicting to XXXX XXXX  and all three credit reporting agencies. Not only have it put me at great risk but it also caused me to invest time l, energy and money during a pandemic that I did not have unfortunately, putting me and the integrity of my credit at great harm. I need this account to be removed ASAP.
Consumer complaint received 2022-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I noticed this data on my credit report. I called this company several times, but they could never find my name or account. They are still reporting this as a collection, but have never received any communication from them, yet they claimed it's verified, but I have no proof that this account is actually mine. 
Initial complaint # XXXX
Consumer complaint received 2018-08-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

XX/XX/18, XX/XX/18, XX/XX/18, Inaccurate reporting information about I have recently been informed that there is negative information reported by Maryland Federal Court-XXXX in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report. 

After contacting the Federal Court Clerk office, I was told that they do not report to credit bureaus. I then challenged them on the accuracy, compliance of where this information came from. I received information back from them stating it was verified and it will be no change. Sent another letter asking for them to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately deleted from the credit file that they maintain under my Social Security number as its violates the Fair Credit Reporting Act.
Consumer complaint received 2020-12-04
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: Experian Information Solutions Inc. (TX)

After pulling my credit report on XX/XX/2020 i noticed this account added that is not mine. I have never had a bank account with XXXX. The statement says it was deposit related and after research it was seen to be a bank account
Consumer complaint received 2018-08-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (PA)

Starting back in XX/XX/XXXX I had been trying to do the biweekly payments but they wanted a month ahead and we could not do that. I started making partial payments. The first email I sent was XX/XX/XXXXwith out hardship letter. XX/XX/XXXX I emailed in my sons bank account statement.XX/XX/XXXX emailed income that had not been received since a specific date. XX/XX/XXXX emailed my child support paperwork with proof of income. Received letter requesting specific paperwork. again on XX/XX/XXXX thru XX/XX/XXXX emailed paperwork requested. After a while they asked for paperwork again. Finally stating that some of it was not filled out right. This time I filled out that paperwork again and mailed it and It was signed for by XXXX XXXX on XX/XX/XXXX. Paperwork was due by XX/XX/XXXX. On XX/XX/XXXX, I receive a phone call at XXXX XXXX from XXXX ID # XXXX stating that they needed the XXXX corrected in the address and phone number. Only page two of our XX/XX/XXXX taxes with our signatures on it and our hardship letter. I was told I needed to add on LIne 5 of the XXXX the word Corporation after Freedom Mortgage. and Their phone number. I was told they needed page two of our taxes signed and dated. I faxed those pages in on XX/XX/XXXX at XXXX XXXX. Then another letter comes dated XX/XX/XXXX wanting 1. federal tax return all pages ( already sent three times except page 2 needed signed and  dated ). Year to date profit and loss statement signed and dated. 3. 3 months of recent business bank account ( I don't have any business accounts, and was told to write a letter stating that ) 4. complete financial worksheet. I sent in the two pages I have that state " Financial Report ''. I faxed these items in XX/XX/XXXX at XXXX XXXX, one page and XXXX 3 pages. I called on XX/XX/XXXX and spoke to XXXX # XXXX and was told they did get the papers and were working on reviewing the packet. XX/XX/XXXX received another letter requesting paperwork again. 1. Recent tax return. 3 months business statements. YTD profit and loss statement and Financial worksheet. I called today and spoke to XXXX # XXXX. I was told that they had none showing up. No tax return ( has been sent now three times and emailed ). Profit and loss statement which was faxed. Business statements to which XXXX stated to write a letter explaining that I don't have a business account. and again complete financial worksheet, not explaining that this last one has 6 pages to it and the whole packet has different titles on each page. Only one states " Financial Report '' and has a second page. The other say Financial Report, Hardship Affidavit, Monthly Expenses. 
This back land forth and run around has been going on now since last year. 
Now they have started the foreclosure. We went to a HEMAP Counselor Thursday.
Consumer complaint received 2016-09-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MI)

American Education Services based in XXXX, PA has been servicing my student loan for approximately 7 years ( it was sold to them by XXXX XXXX ). Since that date, my principal balance has not dropped under the original loan amount of {$20.00}, XXXX. Every time I call AES to clarify these details I 'm told " I just do n't understand how interest works '' and that they 've only been servicing the loan since XX/XX/2015. I 'm never allowed to speak to a Supervisor and am told if I need more information I should contact XXXX XXXX. I 've paid over {$17000.00} towards this loan. My last statement says I still owe {$20000.00}. XXXX XXXX does n't even have a student loan program anymore so it 's virtually impossible for me to contact them for the details as AES has suggested. Based on internet complaints, I am NOT the only person in this situation. I just want to know where all my money has gone. They have harassed me by phone and mail claiming my payments have been late. After proving to them that my payment was made on time, it turns out they just had n't processed it on their end. These practices must be stopped.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SUNTRUST BANKS, INC. (GA)

I received a call from Suntrust about fraudulent activity on my account and they asked me about the purchase attempts and did I approve them after I told them the purchases that I made they removed the hold off of my debit card. A few hours later I see charges from merchants, the same charges that were trying to be processed on my account. I called and disputed and they denied my claim.
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Asset Management Group, Inc. (CA)

On several occasions I have advised they can not call my place of business I work in a XXXX XXXX They continue to call over and over every day my place of employment. 

I verbally spoke to someone who called me 8 times in a row on XXXX, they would call I would disconnect, they would call back and did this for 8 times in a row at my place of employment. 

On XXXX I received a message from them AGAIN on my work voice mail. 

I have asked several times for them to mail me my statement showing me all the payments I have made so far and they refuse and just keep calling my work. It needs to STOP immediately.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

I 've disputed this information with Equifax for over a year and have proven to them time and time again that these items do not belong on my credit report and all I receive is a statement saying that these have been verified. 
I am complaining for 2 reason : # 1 both of these bankruptcies are obsolete and are past the statute of limitations. The bankruptcy ending in XXXX was filed XX/XX/XXXX and is a chapter XXXX which means that it can only stay on my credit file for up to 7 years and should have been off XX/XX/XXXX! They continue to send statement after statement saying " has been verified ''. Not only is it obsolete, but I know for a fact that it has not been legally verified. The bankruptcy ending in XXXX was filed XX/XX/XXXX which means that it should have come off XX/XX/XXXX! Why are these still on my credit file??? 
# 2 I do n't care what they try to prove is on my credit report - everywhere that i pull my credit and my creditors pull it, they see this invalid information. They can try to reconstruct it to suit their need to keep it on there but they are in violation of the FCRA section 1681. I also require that they send me the physical petition that shows this invalid information. That is the only legal form of verification and they are refusing to send it although I am allowed to review these docs myself under section 609! 
Please see my letter that I have attached as well as the credit report which proves that they are reporting invalid information. See page 5 for public records.
Consumer complaint received 2015-12-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

hello I am having problems paying my bills after stepping down from being a XXXX back in XXXX of 2015 and have repeatedly told Navient ( which is a new name for XXXX XXXX ) this and even sent them pay stubs and bank statements I also pay child support XXXX a month and bring home XXXX a week I can not pay my bills on time with that I am struggling to make ends meet with that last month ( XXXX 2015 sent all my documents over to them they want me to pay XXXX a month for 15 months fine and dandy but I can not lose a pay check a month I want to repay these loans but I am not even to pay due to the amount and what I pay out a month pretty I am not physically able to pay anything and am afraid it I start paying I will lose my place of residence. I have been going back and forth with them for months now I have found the CFPB and I have a few days left to make a XXXX payment that I can not physically afford to do.. I need help bad I can pay XXXX easier I have told them this and they will not take into consideration that I have lowered my pay since XXXX of 2015 from XXXX to XXXX and hour please help me..