davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY (VA)

On XXXX/XXXX/2019 I signed a retail installment contract to finance a new XXXX XXXX XXXX ( Amount financed XXXX - 3.99 % APR - 72 months ) through TD Auto Finance. The deal structure contained a trade with XXXX negative equity for a vehicle my wife and I have financed through XXXX, I left the dealership without taking delivery of the vehicle and with the paperwork to have my wife sign the title to the XXXX over and go through with the deal. My wife refused to sign the paperwork, so I called the dealer to ask if they could flat cancel the deal prior to funding the deal with the bank on XXXX/XXXX/2019. 

On XXXX/XXXX/2019, I spoke to the general manager of the dealership and was notified the deal was flat canceled and the payment ( check ) to XXXX XXXX for the trade was canceled as well.I received a statement from TD Bank on XXXX/XXXX/2019 notifying me that my payment was due on XXXX/XXXX/2019. I called TD Auto Finance and was routed to their dealer management department which I provided my complaint that this was supposed to be flat cancelled and I don't actually have the vehicle they're asking me to pay for. TD Auto Financed informed me that they work with a network of dealers, will have to talk to the dealer, and that they don't have responsibility to monitor whether every deal is credible because they're essentially just buying the contract the dealer executed. I've talked to the dealer multiple times between XX/XX/XXXX and XXXX/XXXX/2019 and have been told that the bank should have flat canceled the deal, we did flat cancel the deal and we will call the bank and straighten it out. I have also talked to TD Auto Finance multiple times and they've told me that the dealer wants to work with me to a resolution, and that this isn't their problem, they'll hit my credit if I don't make my payment within 30 days of the due date.
Consumer complaint received 2024-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (OR)

On XX/XX/2024 I received a call from XXXX XXXX XXXX XXXX XXXX As the executor of my friends estate, I received a letter from XXXX and XXXX stating that there was a {$730.00} debt my friend owed and I needed to pay {$250.00} to settle the debt. I responded that she was deceased and there were no funds to pay this debt. He then said that either I pay it now or it he would contact the court and settle it that way, saying further that as the executor, I would be liable for the full amount. Well. I paid it there and then BUT it felt like something was wrong. I didnt think that could be done yet I paid it because it felt threatening. I have been un say about this for a few days. What happened here? Was I wronged by XXXX?
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (MD)

I am trying to close my account since i have issues with them concerning privacy like taking pictures of my home. I am just not comfortable of sending a picture of my home just to prove about my place of residence. Since i still have funds with them, I can not even avail of it. I want my balance sent to me. I have been verified by XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX without having to ask for my picture standing in front of my house from corner to corner.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was XXXX  as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2019-03-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I submitted a us postal money in the amount of {$1000.00} to the WELLS FARGO HOME MORTGAGE ( WFHM ) in XXXX XXXX to finalize refinancing for the mortgage at XXXX XXXX XXXX, XXXX, Maryland XXXX. This was the final step in obtaining a refinancing pursuant to the Home Affordability and Refinancing Program, initiated by then President Barack Obama of the United States of America to assist distressed home owners due to hardship, HARP Program, an executive order of the President. I originally submitted a handwritten complaint on XX/XX/XXXX via fax, fax # XXXX and have not received a complaint number. Mr. XXXX XXXX, a Wells Fargo Customer Care Specialist did call me at home, on a recorded and monitored line, from XXXX Ext.XXXX to my home number, XXXX, on XX/XX/XXXX at XXXX EST. This was a callback after I called him. During this call Mr. XXXX acknowledged that 1 ) we had applied for HARP protection, 2 )  XXXX XXXX was handling the HARP request, 3 ) the money order for {$1000.00} was redeemed for cash by WFHM and 4 ) he would be forwarding written confirmation of this to me. I have not received anything. Mr. XXXX called again on XX/XX/XXXX at XXXX to say he was not finished.
Consumer complaint received 2019-07-05
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. (MA)

My creditor has been unable to obtain my credit history from Equifax. I confirmed with my creditor, who has continuously extended credit to me for over XXXX years in the form of a credit card, that my credit usage is being accurately reported to all credit bureaus. I then contacted Equifax to inquire about my credit history, and they requested that I send them a copy of my state issued ID as well as a copy of my Social Security Card to confirm my identity. I received a reply on XX/XX/2019 from Equifax stating that they were still unable to locate a credit file. I have been unable to apply for credit because Equifax will not supply a credit report to my creditor.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

The paypal account was suspended without any information. NO FRAUDS whatsoever BUT WAS SUSPENDED INDEFINITELY! Any incoming payments was never processed. A return from ebay and the refunds was not accepted making it unable for me to get any refunds. A transaction using the debit card from paypal needs to be disputed but I am unable to do so due to the paypal 's suspension. Up to this date, I can not seem to do any transaction.
Consumer complaint received 2019-10-11
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. (WI)

Transunion is report 3 late payments to XXXX on an ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX 1st late XX/XX/XXXX days late ( false ) 2nd late XX/XX/XXXXXX/XX/XXXX days late ( impossible ) 3rd late XX/XX/XXXX days late ( false ) This is just impossible how can an account be 30 days late multiple time never 60 or 90 days. I was never late on this account. This account is closed, paid in full, I have the receipts to prove such action from this bank! Moreover this whole account needs to be removed for all the errors or corrected to a paid in full never late status or I will sue. I have been working with a consumer attorney if this action is not fixed with in 30 days.
Consumer complaint received 2019-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/2017, I was injured at my place of employment. As protocol advises, XXXX was contacted and I was advised to go to XXXX XXXX XXXX XXXX for medical treatment. 

In late XXXX, I logged onto XXXX XXXX and noticed a negative item on my credit score. The item was a debt collection from AWA Collections in regards to my workers compensation care at XXXX XXXX XXXX care on XX/XX/2017. 

As this is workmans compensation case, this debt does not belong to me.
Consumer complaint received 2019-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NY)

You have marked my complaint as a duplicate it is not, while some of the same issues remain unresolved there were new ones added please do not mark this as a duplicate!!!!! 

1 ) I have been trying to resolve unapplied payments since XX/XX/2018 to no avail 2 ) When I receive correspondence Selene continually glosses over this fact 3 ) Selene has used one of my payments for Legal fees 4 ) I had to hire an accounting firm to validate my findings and they did, this must get addressed, another issue that has not been addressed and glossed over in their correspondence 5 ) NEW I have requested the information on the new company that is taking over my mortgage to no avail 6 ) NEW I have requested an amortization schedule that has not been received.

7 ) This company has been pushing me towards a foreclosure since XX/XX/2018 ONE CAN NOT BE SATISFIED WITH A STAMPED LETTER THESE ISSUES NEED A RESOLUTION, JUST BECAUSE YOU RECEIVE LETTERS OR CORRESPONDENCE DOES NOT MEAN THE ISSUES WERE RESOLVED THEY HAVE NOT BEEN!
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

A dispute was made to correct inaccurate information being reported yet they updated with more inaccurate late payment information. This account was closed on XX/XX/XXXX charged off on XX/XX/XXXX and sold on XX/XX/XXXX 

Explain to me how can I be 90 days late 8 times in XXXX when this account was closed onXX/XX/XXXXand charged off on XX/XX/XXXX. 

Explain to me how can I be 90 days late 3 times in XXXX ( when they closed the account with no late payments ) XXXX XXXX of XXXX after this account was closed on XX/XX/XXXX and charged off XX/XX/XXXX.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/2019, I received an email from Robinhood.com saying that my account has been closed. I reached out to understand why. Today on XX/XX/XXXX, I received a response saying that an ACAT transfer was initiated and my account was closed accordingly. I immediately responded asking them to stop the transfer. I sent many more requests to stop the transfer. I am attaching a rough timeline of actions to this complaint. 

My account currently has ~ $ XXXX in securities.
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CO)

I have received calls from Midland Credit company since XX/XX/2015. They do not ask for me by name but say they are trying to collect a debt. The same number of this company has called me every day for the last several weeks. The number they used before in XX/XX/XXXX was XXXX. They are now calling from XXXX. I spoke to a manager XXXX XXXX and requested that they remove my number from their call list. This is the third time I have ask them to quit calling my number. They have never complied. I HAVE NEVER GIVEN THEM MY NAME AS THEY DONT ADDRESS ME BY NAME! All these people have is my phone number to continue to harass me. They all sound like they are from XXXX.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MA)

THERE IS A WRONG SOCIAL SECURITY NUMBER WITH EQUIFAX. I HAVE ASKED THEM 5 TIMES TO CORRECT TO THE RIGHT SOCIAL SECUTIRY NUMBER WHICH WAS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION WITH FULL DOCUMENTATION TO PROVE IT AND EQUIFAX STILL INSISTS ON CLAIMING THAT THE WRONG NUMBER IS MY SOCIAL SECURITY. IT HAS BEEN FRUSTRATE DEALING WITH EQUIFAX, IT SEEMS THEY DO N'T EVEN LOOK AT THE DOCUMENTS SENT.
Consumer complaint received 2019-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: VW Credit, Inc (FL)

AUDI FINANCIAL SERVICES IS RIPPING ME OFF AND FRAUDUENTLY CHARGING ME EXCESSIVE FEES FOR MY AUDI. THEY ARE IN VIOLATION OF THE LAW AND PERFORMING ILLEGAL PRACTICES. 

I WAS PAYING {$770.00} TO AUDI FINANCIAL SERVICE FOR MY LEASE, THEN I BOUGHT THE SAME CAR AND AUDI INCREASED MY LOAN TO $ XXXX MONTHLY BECAUSE THEY DID NOT WANT ME TO KEEP THE CAR. THEY WANTED ME TO BUY ANOTHER LEASE WHEREAS THAT WOULD LOCK ME IN SO THEY COULD MAKE MORE PROFIT OFF ME. THEY CHARGED ME AN UNFAIR HIGH INTEREST RATE THAT DID NOT FIT WITH MY INCOME. WHAT THEY ARE DOING IS ILLEGAL AND THEY SHOULD BE PROSECUTED TO THE FULLEST EXTENT OF THE LAW.
Consumer complaint received 2019-04-30
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. (FL)

The following accounts are fraudulent XXXX XXXX {$130.00} XXXX XXXX {$1400.00} XXXX   {$200.00} XXXX {$200.00} XXXX XXXX {$550.00}
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CT)

I disputed to items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I did a dispute with all XXXX reporting agencies. It has been well over 30 days with no contact from anyone. I know that with the fair credit reporting act, that if no contact is made within 30 days, then those items must be removed from my credit report immediately! I have also filed a complaint with the XXXX. I want these items taken off my credit report ASAP as it is affecting my ability of getting a mortgage. Please can you help me as no one else seems to want to help! I want this false information taken off! 
Thank you XXXX XXXX XXXX
Consumer complaint received 2019-07-05
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. (MO)

I'm disputing the following accounts inwhich I deem to be fraudulent and I'm demanding that they be removed and blocked from my credit files immediately. The orginial account is from XXXX XXXX, a city inwhich I do not reside in ..someone obviously stolen my identity. Therefore, you and your companies shall remove the following unauthorized accounts. 

1 ) XXXX XXXX Co {$330.00} account # XXXX 2 ) XXXX XXXX {$240.00} account # XXXX I'm requesting all documents used to open these accounts in its original form, or these accounts shall be removed/ blocked immediately.
Consumer complaint received 2019-07-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (CA)

There are three loans on my credit report that have the same opened day as my real loans. The account number, lenders information and term length are not the same. The debt amount is off by a few dollars. 
The name of the lender is listed as the Department of Education but the address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Does NOT belong to them. Its belongs to XXXX, a software company. 
I have called the department of education but they do not do anything because they dont look past the fact that I do have loans with the same start date. Borrowers Defense denied my claim despite proof from my student loan account records showing an amount for twice my student loans. The financial records show double the amount but my XXXX only list three which is correct. I wasnt charged at an interest rate of 100 % in a time span of XXXX ( which is when they appeared ).  They do say that the loans are from being transferred as a result of defaulting. They were on deferment as I was having an economic hardship. I was in the midst unemployment which resulted in an eviction. The default was a surprise. What they ignore is the fact that last year alone, disbursements were made for about {$30000.00}. I only owe {$14000.00}. Two of the loans were issued for a year I never applied to. I attended XXXX XXXX XXXX and was told to give one of the financial aid workers my application and they would help but I didnt hear back from US Dept of Education. Even my statements listed another company as the lender. The school said I would owe them. I also reported this but no one has ever taken it seriously despite proof. Is it not illegal to ask someone to pay a debt that was fraudulently acquired or isnt theirs?
Consumer complaint received 2019-07-05
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. (MO)

I'm disputing the following accounts inwhich I deem to be fraudulent and I'm demanding that they be removed and blocked from my credit files immediately. The orginial account is from XXXX XXXX, a city inwhich I do not reside in ..someone obviously stolen my identity. Therefore, you and your companies shall remove the following unauthorized accounts.

1 ) XXXX XXXX Co {$330.00} account # XXXX 2 ) XXXX XXXX {$240.00} account # XXXX I'm requesting all documents used to open these accounts in its original form, or these accounts shall be removed/ blocked immediately.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2019, I went into the Chase Bank located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I gave the Teller {$1300.00} to deposit into my checking account. I only wanted {$1200.00} deposited and I received {$5.00} back in change. I gave her my California Drivers License since I did not have my bank card with me. I am a student and really needed the funds in my account to secure housing. I did not realize the missing deposit until it was time to pay my housing expenses. The wrong bank account was credited in error. I immediately called the bank and they directed me to return to the branch where an adjustment could be done. 

On Wednesday, XXXX XXXX, 2019, I returned home to actually go into the Branch to get the error corrected. I met with a Banker and explained to her the situation. She said it should be resolved within 2 business days. Immediately after leaving the bank, I received a call from the banker asking who an unknown name was. I told her I did not know and the call ended. 

The following day I called the Branch and asked to speak with the Banker. I was told she was not in yet and they would have her call me when she arrived. Later in the day, since I had not heard back, I called again, and I was told they are trying to resolve the issue and were still investigating. However, they continue to add days to when it will be resolved. She immediately called me back asking additional questions regarding the facts we discussed the previous day. I reiterated the facts. 

She continued to get the amount wrong while continuing to add false information. It should not be difficult to credit my account since I gave them my deposit receipt with pertinent information. This is my money that should be credited to my account. Please help! I am a student and can not afford to give the bank {$1200.00}. I have no idea whose account was credited with my money, because my account does not end in XXXX. Thank you!
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I was encouraged to sign up for and use a Care Credit credit card to pay for my partner 's mother 's dentures in XXXX. The woman instructed us to pay the minimum and I would not pay any interest on the fee. I set up auto pay for the minimum and made all of these payments on time. I never received any statements from the company. 

I guess this was part of a promotion that expired in XX/XX/XXXX and since that time they have been charging 26 % interest. I called the company today and raised a dispute about this interest. I had not accessed the account in a long time and I noticed that the promotional expiration notification was set to " off '' by default. I went ahead and paid the balance that was due in XXXX when the promotion ended. 

I did some searching on the internet after my call and I saw that the CFPB has already come after this company for the same thing : XXXX XXXX XXXX Can you help me fight these deceptive and predatory practices?