davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

In XX/XX/XXXX I returned internet equipment to XXXX in person XXXX XXXX, Texas ) due to moving across the state and no longer needing their internet services. At that time, I had not utilized the entire month of services and was informed that the monthly payment would be pro-rated to the amount that was actually used ( as this is something XXXX had done a month or two prior with my account when I had moved then XXXX. Later on, I received a bill with the entire monthly amount, so I contacted XXXX directly ( via telephone ) to ask about the pro-rated amount. Each time I called to ask about this, I was told on multiple occasions by several different XXXX representatives that someone from billing would contact me directly to assist with this. Each call was stated to be recorded for quality and training purposes ( so this information should be on file with recorded calls ). No one ever called me back to discuss the prorated amount, and I had made several calls myself to XXXX to address this in between XX/XX/XXXX and XXXX XXXX with no luck. Months later I received a notification that the XXXX account was now considered " in collections '' and was turned over to a collections agency. I disputed the claim through XXXX, and after communicating with the dispute center, I " won '' the dispute and it was removed from my credit report. Fast forward to XX/XX/XXXX where I have received another derogatory mark on my credit report involving XXXX once again ( same issue ), but was opened up with a different collection agency. I contacted the new collections agency and was told that XXXX will probably continue to harass me until I paid the full amount. Once again I explained the situation and was told it would be noted on the collections agency account. I filed another dispute with XXXX  to continue disputing the derogatory mark in XX/XX/XXXX, and am continuing to deal with this situation. I do not agree with this derogatory mark or the way XXXX  is handling the situation due to my attempts to contact and pay the prorated amount on multiple occasions before it went into collections, not being informed that the account would be turned over to collections, the fact that I " won '' the first dispute against the same account/company/issue in XXXX, being told directly by a collections agent that this company ( XXXX ) is known for continuing to harass customers until they are paid and will continue to probably file derogatory marks against my credit with different collections agencies until I'm " pretty much tired of dealing with them and pay, '' and the fact that XXXX doesn't even have my name spelled correctly on the account. I don't think it is fair to allow XXXX to continue to open this case up over and over by utilizing different collections agencies for the same issue that has already been disputed and " resolved '', and continue to harass previous customers.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX XXXX XXXX and bank are misleading and fraudulent. I was out of work for a total of 3 months in the transition of changing employment. I fell behind on payments and on numerous occasions called to ask for smaller payments or a payment arrangement. I was told " No, unfortunately we do n't offer any such program ''. 
Once I began working for my new employer, I made several other attempts in which I was again, denied payment arrangements to catch up with my account. The account was opened in XXXX and remained in good standing until this incident in XXXX. Furthermore, I finally spoke with a representative about 3 months later who offered a 12 month program. Very similar to the one I inquired about yet was always turned down. He set me up on monthly payments. However, little did I know that I would need to consistently chase XXXX XXXX XXXX once again, to ACTUALLY deduct these payments. After escalating the matter, A payment arrangement was finally scheduled for 12 months beginning XXXX XXXX XXXX XXXX. I received a notice in XXXX XXXX stating that my account will soon resume back to normal status once the plan completed in XXXX XXXX. 

Here we are, in XXXX XXXX and I have n't received any other notices from XXXX  XXXX XXXX so I decided to call. I 'm also NOT ALLOWED To log into my account or event view any statement information since initially having the issue one year ago. I stated to the representative that I would like to continue making payments however, she notified me that my account has been closed since XXXX XXXX. This is outrageous! No one has mentioned, or disclosed this and I was notified that my account would resume normal status as of XXXX XXXX. They also failed to mail any letter or memo indicating this. 

The representative then told me that I would continue to not have access to any of my information online. However, they also discontinued sending me statements so I 'm blindy making payments and they refuse to disclose my balance, payments and any other charges they may be adding. 

Please assist with this type of credit card bullying. They took me for a ride this past year and now they refuse to disclose my information per my consumer rights.
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (AZ)

Unfortunately, there was some miscommunication of how my last payment was to paid on my vehicle and we were completely unaware and were NOT NOTIFIED that this would not be taken via autopay. This is a company car that has been on AUTOPAY for the last 5 years As a result my last payment to you was delayed which resulted in a 30 day late payment on my credit report. 

We did not receive the actual statement until XX/XX/2020, the mail delay appears to have been triggered by an incorrect mailing address on the statement that you sent us. The statement was sent to a XXXX address rather than the correct address of XXXX XXXX. ( Please see attached utility bill with correct address ) Once we received the statement we immediately called and asked to pay this via CC or via EFT and were informed that wasn't possible. We were told that we would not receive " any late payment or penalties ''. We mailed a check on XX/XX/XXXX and that check was not cashed by your company until XX/XX/XXXX. The check would have been drafted on the XXXX but our XXXX was home sick with XXXX and was unable to draft the check until the XXXX. 

I have sent in the request to have this corrected by TD Auto Finance but they refused. Letter Attached.
Consumer complaint received 2017-12-08
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: Experian Information Solutions Inc. (AL)

I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XXXX XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.
Consumer complaint received 2022-04-01
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. (FL)

Hello, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, and defamation of character. I am unable to get a job or apply for credit, and can't even get an SBA loan due to the pandemic under this crisis.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (IN)

XX/XX/2022 Equifax started harassing me for an IRS consent form 4506 C it was stated that they were doing this on the behalf of a request from XXXX XXXX XXXX. I had several times requested that they stop sending me information to my email because as we all know our accounts are constantly getting hacked. When discover was unsuccessful, they enlisted the assistance of Equifax, which means Im sure they requested other information from Equifax that Equifax had. That is merely speculation. However, when I called and attempted to verify and gather information with Equifax, they were extremely resistant, and had me on hold for 47 minutes. I was not able to get a straight answer from the employee at Equifax, nor would he transfer me to someone who spoke English as a native tongue. The employee stated his name was XXXX. Finally, I hung up and have not pursued this. I would like CFPB to investigate this particular practice from Equifax. I find it distasteful and invasive.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (GA)

I bank with Chime Bank and have a checking account and a credit building credit card with them. 

On XX/XX/2021 my account was hacked and my account information ( email and phone number ) was changed to an individual that was not me. I called Chime Bank to inform them of this. I sent multiple emails to get my information changed back to my own. They took over 24 hours to do so. Upon them taking their time to change my information back, 3 fraudulent transactions took place with my credit card, in the amount of {$500.00}. I called Chime bank the next day to let them know about the fraudulent transactions. They said I had to wait 2 business days in order to file the claim. 

Then on XX/XX/2021 I received notifications that my account information ( email and phone number ) has been changed again. The individual who was able to do this then transferred {$100.00} out of my bank account to another user. I called Chime Bank to let them know about the transactions and that my account information was changed again and that the transfers had occurred. They changed my account information back to my own and let me know that I had to wait till file the claim, once again. 

Then, on the same day, my account was accessed fraudulently 6 times again. The person responsible who change my account information as soon as I had it changed back. I reached out to Chime to ask how this would be possible, but they didn't give me any information other than to change my password ( which I had already done 5x ). 

I file a police report with XXXX police to let them know that this is happening. 

They negligently kept sending me the same card with the same card over and over, which none of the new cards I've received. This made it easier for someone to perform fraudulently.
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed a fraudulent XXXX XXXX open in my name. I have Disputed this multiple times as well as File a complaint with the police department and I also submitted a FTC to the credit bureaus XXXX  & Transunion. XXXX  has removed the account but XXXX  & transunion have not.
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I filled out forms for a loan modification on XX/XX/XXXX. I received no response with the foreclosure date approaching I resent the loan modification packet on XX/XX/XXXX. I received a response from Rushmore stating that they do not do loan modifications for loans that are as far behind as mine they would also not accept it because it was less than 32 days before the sale. Yet again on XX/XX/XXXX they sent me ANOTHER LOAN MODIFICATION PACKET. If i am not eligible for ANYTHING as they stated why do they send this information to me? They have broken so many laws in collection of my mortgage. I have requested a breakdown of the loan where all the payments went from the inception of the loan I receive NOTHING. Not a print out of some computer information with balances for unknown amounts I requested an exact breakdown of where the debits and credits came from I received NOTHING I requested a payoff amount and what it comprised of I have received nothing but more packets to apply for modifications they say I am not eligible for.
Consumer complaint received 2021-02-09
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (IL)

I am a victim of Identity Theft. An unknown perpetrator used my unique identifiers to open various accounts without my knowledge. I filed an FTC Identity Theft Report ( report # XXXX XXXX on XX/XX/2020. I also filed a local police report with the XXXX Police Department XXXX report # XXXX ) on XX/XX/2020 describing the situation in detail. The report listed all of the accounts that were a result of the identity theft. I also contacted each company listed in the report and notified them of the situation and that I had been victimized and how harmful it has been in reference to my financial endeavors. I also opened disputes on the matter and promptly notified each of the major credit bureaus. Some companies required an affidavit of identity theft be sent in along with supporting documents to help aid the investigation process. Correspondence on the matter was to be given within 30 days of receipt of the documents. I mailed off an affidavit of identity theft along with supporting documents to Santander Consumer USA on XX/XX/2020 via certified mail ( tracking # XXXX XXXX. There has been no correspondence on the matter. I recently called to check the status of the investigation and I was informed that Santander Consumer USA has not gotten to my file yet and the investigation was still open at this point and has not yet been assigned to an agent. The investigation was supposed to be completed within 30 days of receipt of the documents. Documents that were delivered on XX/XX/2020.
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

Information about the status of my Federal Student loans is being reported incorrectly to the credit bureaus from XX/XX/2020 onward. The loans are in forbearance because of the XXXX relief bill that was passed and extended. These loans show on my credit report as being in collections instead of being in forbearance. This has negativity impacted my credit score by the three credit bureaus.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

I previously submitted a complaint to the CFPB concerning Chase Bank 's refusal to accept a properly endorsed check. That was Case number : XXXX. 

Since then, it appears that Chase has chosen to retaliate by closing my accounts. They did so on XX/XX/2016 without warning, without notice, and without my consent. Meanwhile, Chase has refused to tell me why my accounts were closed, and they have refused to give my money to me. I was told on XX/XX/XXXX that I might be able to get my money back on XX/XX/2016. 
Obviously this is an unfair situation. To retaliate for the prior complaint, Chase has STOLEN my money. I am a single parent, and I need this money. It is the only money that I have. 

Please help me with this.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (IN)

I open this credit card account with money from own account during the pandemic i was unable to keep paying it so it went bad they close my account and sent it to collection, when i got back to my feet i called them t resolve it they sent told me they had already sent it to the collection agency i called the collection agency i paid them but they had a different amount then the company has when i called the company the company told that i didnt pay the right amount so they kept a balance of {$39.00} on my account that cant seem to come off. the collection agency tld me they have no record of my account and theres nothing they can do for me.
Consumer complaint received 2017-12-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (IL)

I have been doing my due diligence to pay off my student loan debt. I have been in constant contact with the department of education and debt management and collections. I was notified how much I owe and who owned my debt. I have been paying for nearly 9 months now and yet I have three different collection agencies ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX ) contacting me telling me I owe money. Each claims to be collecting a debt from Navient ( which is what I am currently paying ). The amounts are extremely high ( nearly {$100000.00} ) in comparison to what I have been told I owe ( a lot less than that ). 

The department of education has told me these are fraudulent and that the money is not owed and told me to contact Ombudsman who opened three cases ( today  XXXX/XXXX/2017 ) and told me to turn it into the Consumer Financial Protection Bureau. These collection agencies have not only called and called and called me but have started harassing my family.
Consumer complaint received 2017-12-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FC HoldCo LLC (TX)

On XXXX/XXXX/XXXX I received a phone call from my neighbor that a tow truck had pulled through my fence and into my yard to tow my car. Because I was behind on my car payments I phoned XXXX XXXX who had merged with my original loan company named XXXX in XXXX. The original loan was with XXXX in XXXX. When they merged I only received XXXX billing statements over XXXX XXXX years. I sent payments with old statements or just a check or through XXXX XXXX. 
When I called on XXXX/XXXX/XXXX, They had no idea or documentation regarding the repossession, and could not answer why I did n't get any letters about the intended repossession. I was asked to call back in XXXX hours. After calling back and speaking with different people and different departments through out several calls the dame day, I was told that I would have to pay a total of {$2800.00} or a minimum of {$2600.00}. On the same call I was told if I pay XXXX of the XXXX due payments I could get my car back. Earlier I was told that this would n't include fees because they had n't been determined yet. However, when I called back on XXXX/XXXX/XXXX I was informed that I had XXXX pay {$3500.00} ( the total amount of the XXXX back payments Plus the late fess, tow fees, and repossession fees. This was contrary to what I was told a day earlier. 
In addition, I explained to every agent that I have not worked full time since XXXX XXXX, and that I had filed for Federal Social Security XXXX. I asked several times to refinance the loan. They refused each time.I even asked on XXXX/XXXX/XXXX, only to be denied. Finally, I should have received notice of pending action by the company regarding intended repossession.. Also, I should have received statement each month after the merger. No one could explain why I had n't got any correspondence. They said they 'd did n't have the change of address I made on my XXXX payment, but they had the right address to repossess the vehicle.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (UT)

An appraisal was performed on my home and appraisal report received and submitted to the Lender on XX/XX/XXXX, the report was submitted 'Subject to ', the lenders receipt of this appraisal report constitutes knowledge of the need for an appraisal completion report. The Lender then has three days to resdisclose the Appraisal Fee associated with the Appraisal completion report. The fee was not redisclosed within the time frame allowed and further, when a loan estimate was eventually redisclosed on XX/XX/XXXX for  a change in loan program and loan amount, the appraisal fee increase was n't redisclosed then either. A closing disclosure was supposed to go out on XX/XX/XXXX and we were told throughout the day by XXXX XXXX, US Banks Account Executive, that they were working on the clear to close and closing disclosure so that they would be ready to release the closing disclosure as soon as they received the clear to close, throughout the day I was continually told by XXXX that he was waiting for answers back from mangers to get my file pushed through, it was only at the end of the day XXXX admitted they would only be working on completing the Clear to close and the closing team for sending out a Closing Disclosure had already gone home for the day. The reason for the file taking so long to get clear to close was not given, however the next day when we were still waiting on a Closing Disclosure, I received instead another Loan Estimate, US Bank was attempting to redisclose the appraisal completion report fee on the Loan Estimate. This is out of compliance for redisclosing the fee as the point of knowledge was XX/XX/XXXX and the redisclosure was on XX/XX/XXXX, nearly two weeks later. Its clear to me the delay in issuing the clear to close was so that the loan would not be able to close as scheduled on XX/XX/XXXX and we would be unable to fund XX/XX/XXXX, by pushing out the closing disclosure by one day they manufactured for themselves a need to extend the lock which was set to expire on XX/XX/XXXX and subsequently a need to issue a change of circumstance to extend the lock, all to my detriment, at my expense. They included the Appraisal fee on the redisclosure which is in violation of the three day rule and from my point of view they manipulated my ability to close on time in order to do it. I had been very plain and communicative with US Bank, and XXXX XXXX in particular, that we needed to close by the XX/XX/XXXX and fund by the XX/XX/XXXX in order for me to be able to pay my contractors in time for work that was completed on my home, pushing my closing date out has a real, tangible, negative financial impact on me and sours my relationship with contractors that have performed admirably for me to complete work on my home, contractors I will likely want to eventually use again, so US Banks actions, in violation of TRID rules, have been detrimental to me in both real financial terms and in personal consequences.