davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (SC)

My loan with TD Auto Finance has been set to AutoPay since it began. However, they have told me that in XXXX the autopay was stopped. There was no explanation given, but that is false because I was enrolled in it in XXXX and XXXX, as evidenced by the attached email confirmations. Due to TD Auto Finance 's malfunction, the payment did not process properly and was marked as late. When I was made aware of this, I worked with the TD Auto Finance IT team and confirmed that the error was on their backend because it was not saving account information correctly, and we were able to replicate it several times. In the attached screenshot it shows the exact issue in their AutoPay system where the bank account info what is entered in Step 1, and then confirmed in Step 2, is NOT what is actually saved in Step 3.

While they waived the fee, they have not reported correctly to the credit bureaus that the payment was never late. As a result, my credit score dropped 100 points form ONLY this! ( there were no other changes ). This is a violation of the FCRA because it is not accurately reporting the payment history of the account
Consumer complaint received 2018-03-19
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. (GA)

Beginning in XX/XX/XXXX I disputed a tradeline furnished by XXXX Mortgage with Equifax. I disputed it three times with Equifax - I never did any business with XXXX Mortgage and communicated that to Equifax. 

Instead Equifax reported to me that the information had been verified. On XX/XX/XXXX Equifax told me that paid as agreed accounts will automatically be deleted 10 years from the date of last activity. The information I was disputing had a date of last activity of XX/XX/XXXX and the status showed as paid as agreed. 

On XX/XX/XXXX I received a XXXX Credit Report form Equifax and the disputed information is still being reported with a DLA of XX/XX/XXXX and a status of paid as agreed. 

Equifax continues to provide consumer reports about me containing this inaccurate, incomplete, and unverifiable information when it should have been deleted no later than XX/XX/XXXX!
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (MN)

I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me XXXX XXXX Big Picture Loans , LLC XXXX ID : Loan No. : XXXX Finance Charge {$6000.00} Amount Financed {$1500.00} Total of Payments {$7500.00} Application Date : XX/XX/XXXX Effective Date : XX/XX/XXXX ( You may get funds prior to this date ) Due Date : XX/XX/XXXX every 2 weeks Big Picture Loans , LLC XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (WA)

Ability Recovery Services LLC is continually tarnishing my credit by reporting a " collection '' account to the credit bureaus which causes me adverse negative actions.

Ability Recovery Services LLC is attempting to collect a debt for XXXX XXXX from a name similar to my own. 

I have submitted FTC Identity Theft Affidavits to the CRAs years ago and they deleted the fraudulent Ability Recovery Services LLC collection back in the year XXXX. 

I have called Ability Recovery Services LLC back in XX/XX/XXXX and told them that I never done any business with the original creditor, never signed any contract. I also informed the debt collector that the debtor 's name is misspelled or similar to my name. 

It is now XX/XX/XXXX, Ability Recovery Services LLC has again continued to tarnish my credit by reporting a collection account to my XXXX  credit report with a {$1800.00} balance. 

Despite telling Ability Recovery Services LLC that this is a fraudulent account and despite having to waste my time getting the credit bureaus to remove this information, Ability Recovery Services LLC continues to harass me, tarnish my credit report negatively impacting my life and forces me to waste my precious time making complaints to the CFPB, calling the credit bureaus, faxing information to the credit burueas, ect.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (IL)

Shortly after getting my mortgage with Santander Bank, I set up automatic payments, for the 15 year loan. They worked well without a hitch. Then, without notification, they stopped before the final {$23.00} was paid off. I received no notification that this was happening and it took me a full year ( thinking I had paid the loan in full and was just waiting for the paperwork ) before I contacted them and found out that they cancelled the auto-payments and since they cancelled them, and didn't notify me, I became behind on my payments and was subject to monthly property inspection fees of {$15.00} per month, totaling {$190.00} in fees. I filed multiple disputes with the company but they said that they " tried '' to reach me and couldn't. My primary residence had moved, but I set mail forwarding for a full year and all of my other banks were able to get reach me during that time. Additionally, I received no mail sent to the property that the mortgage was for - a seemingly basic attempt to try to make contact. When I contact Santander, I asked that I be allowed to bring my loan current by paying the {$23.00}, but they said the only payment they would accept would be for the {$23.00} plus all fees, and that if I didn't pay that, I would continue to be charged additional inspection fees.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has charged me over {$600.00} in overdraft fees in a matter of days. I started to receive these fees everyday for unauthorized transactions. They were no help in the end, my dispute was just passed around to different departments who provided me with inaccurate information just to get me off of the phone. This bank has me very angry because they are careless about their customers. They are very inconsiderate about people who have to pay for bills and rent. The dispute was supposed to take 10 business days but they responded to me the same day saying, " Unfortunately there is nothing we can do. '' Which just goes to show that they did n't even take the time to really look into my claim. They were recently sued due to similar situations but obviously loosing customers does not matter to them.
Consumer complaint received 2015-08-19
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Law Offices of Gary H. Kreppel P.C. (MA)

In XXXX I defaulted on my student loan. I went to court with the company that was seeking repayment and told them that I was willing to work out a deal to repay my loan. The company decided not to pursue the debt at they missed court dates. The case was dismissed in court. 

During about the same time but before the original case was dismissed another company came and filled suit at the same court house for the same debt. I had no idea that this company filed a civil complaint. The paper work i received I believed to be from the original company. I was being sued at the same court house for the same debt at the same time.This all happened in XXXX. 

Finally when I realized this it was XXXX. I filed a motion to dismiss the case which the judge granted but also said that this case would start from square XXXX. 

I do not believe this second company owns the debt and I should be protected from this type of practice debt collection practice. I have not been able to find an attorney to take the case and have been looking for months. 

I can email more details about my complaint including documents for you to better understand.
Consumer complaint received 2015-07-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

After filing a formal comlaint with your organization concerning following banks for runing a Hard Inquiy on my credit report, ( 1 ). XXXX, ( 2 ) CitiBank NA, XXXX have failed to ensure permiissible responsibility/ purpose in accord ance with the Fair Credit Reporting Act. Moreover, these antity has failed to provide me with authentic data that I granted the permissions.
Consumer complaint received 2016-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

In 2012 it was time for me to begin repaying my federal student loans. I was pregnant with my second child and due to health complications I was unable to work, therefore paying my student loans were impossible. The college that I had been attending told me that I could apply for forbearance due to a " financial hardship ''. I contacted FedLoan Servicing, which is the company that is servicing my loans and I applied for a forbearance. After a few days I received a phone call, as well as a letter in the mail stating that my forbearance request had been approved for the dates of XXXX/XXXX/2012 - XXXX/XXXX/2012. I spoke with a representative over the phone and asked her to explain the forbearance terms and she explained that because my forbearance was approved for those dates and there would n't be an data reported to my credit report. XX/XX/2012, FedLoan Servicing reported to my credit report that I was " 30 & 60 days late '' on my monthly payment. They reported this on both of my student loans. I was never late because I had applied for financial hardship. The XXXX late pay entries are holding me back from being able to qualify for a home loan and I was not at fault. I have tried disputing the incorrect information but have gotten no where. I would like to have these Items updated to the correct information. Please delete the 30 & 60 day late payment entries.
Consumer complaint received 2022-02-15
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. (TX)

I sent Equifax, XXXX and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave Equifax, XXXX or XXXX consent to furnish this information which is a direct violation of my federally protected rights.
Consumer complaint received 2016-06-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Just as what happened at XXXX XXXX XXXX whom transferred my account without my consent to Huntington Bank monies were removed via late fees which now are getting close to {$1000.00} per month for the last 3 months. several times late fees were changed to my account without any reason at first they were removed now they 're getting worse. I called and requested that charges be removed and my account audited for the year. Bank officer on phone XXXX said they would send me a email how to get a audit, the email never came. I requested this on XXXX/XXXX/2016. Now I have filed several complaints which have proven with paperwork to be correct but I have never been refunded on any of the cases I filed with CFPB, FTC, DOJ or any legal agency even though my paperwork was use to prove cases. This I believe is a criminal organization which seems to get people inside banks, agencies to commit fraud then violate me in trying to protect reputation including Federal agencies whom I sent paperwork and went in person to give paperwork to FBI, IRS etc. As for CFPB I have received after filing complaint a call which states that I should call a phone number I do so but the number never answers and phone company states number out of order. Just In the last several months means to directly contact Huntington has gone from website there is n't any chat, email or a direct address to headquarters when there used to be able to do so online. 
In conclusion I have filed similar complaints sent in evidence as I did for my former home address when several banks fraudulently use a similar address to mine to file fake mortgages then when I reported case to FBI and police cases would be filed without trial to protect government officials involved in fraud. ( XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX ). I sent in claim paperwork to DOJ law firm in XXXX and have heard nothing for the last 3 years, likewise for my bank complaints like XXXX and now the same thing at Huntington Bank.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (AE)

Signed up for XXXX credit card from US Bank a few Months ago. Benefits included " Bonus Award Nights -- When you redeem Gold Points for XXXX or more consecutive Award Nights, your last night is free. '' Shortly after I received this card/account, this benefit was revoked. This constitutes a bait and switch tactic.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

I have prepared a document for the company in question, explaining to them that until they can provide evidence of an actual loan, true Business Records of debits and credits according to XXXX, and information showing to whom any monies collected will go, they can not enforce any collections actions. I was the unwitting victim of a mortgage securitization XXXX scheme, for which far more than the value of my mortgage with the original lender, is worth. They owe me compensation for forcing me to provide them the means to run this scheme, and that is far more than the value of the property they're trying to force me out of. The courts are, naturally, on the side of the banks, and have provided no relief, and have failed to force them to produce any evidence of a debt, or any records showing their claim that this mortgage is not already satisfied. I have proven over and over that the entity ( the trust into which the mortgage was securitized ) they claim they are collecting for is closed, and has been for years. I have proven this trust earned multiple times more than the value of the mortgages used in the securitization scheme, so it is obvious that SPS, as well as the prior servicer, XXXX, and the foreclosure mill law firm that has represented both, are seeking money from me for their own unjust enrichment -- profits, when there is no debt owed. 

The document lays out my evidence of the scheme, as well as provides all the negotiation documents requested by SPS that they continually ask me to resend. I have assembled them all into one document so there can be no further claims that I failed to produce anything they requested.
Consumer complaint received 2023-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA (NC)

This is a notice and request as per the Fair Debt Collection Practices Act ( FDCPA ), [ 15 U.S. Code 1692 ( g ] for validation of debts made pursuant to the FDCPA laws. In order to validate this debt under the law that exists, please provide me with ALL of the below mentioned items : The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor, if different from the current creditor. 
The original lawful contract signed by both parties in wet ink, therefore binding both parties, ( the natural person ), and GOLDMAN SACHS BANK, that prove I agreed to pay the alleged amount. 
A XXXX accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 
Proof of compliance with the truth in lending laws of the United States Code, title Title 15 1601 et. seq. and Regulation Z.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Had a account with XXXX  XXXX and they never let me knew they were going to release my information to chex systems. Which a violation of the XXXX XXXX XXXX XXXX  the never disclose to me that they information was going to be disclose. Asking could they show were I agreed to have my information released.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2021 I received an email from Bank of America that my savings account was inactive and to contact them. I did on on the same day because I was concerned since the notice had my account number, but a different person 's name and address. Customer service reactivated the account, I made a transfer to the account and forwarded the letter to the abuse department since the customer service representative was concerned with the other name listed on the notice. No one contacted me after I forwarded the concerning letter. 

I have other accounts with Bank of America that are active. I logged into my account on XX/XX/2021 and the account was gone, including all bank statements. After a 2 hour phone call with customer service, I was told to " just call the state of Illinois '' because the funds were sent there. I was unable to obtain a property ID number. I did not receive a notice of this account being transferred electronically or by mail. When I search the unclaimed property site, there are no records for my name. 

Even though this account was active with my deposit on XX/XX/2021, the money was supposedly transferred to the State of Illinois at some point after XX/XX/XXXX, XXXX the last statement I reviewed ( they could not give an exact date ). I'm guessing in the name of the person who was incorrectly listed on the XX/XX/2021 letter. Now it is suddenly my problem to find the money, with no notice, no property ID number or assistance from the bank. 

Either this is a glitch in their system or they have an internal fraud problem targeting inactive accounts, but this wasn't an inactive account. I would hope they would be as concerned as I am about this, they are not.
Consumer complaint received 2021-01-18
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. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2023-07-21
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)

I submitted a letter to the 3 Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$16.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$13000.00}
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Equal Credit Opportunity Act ( ECOA ). These inaccuracies have caused significant financial harm to me, as well as unnecessary emotional distress. 

Firstly, my correct name is XXXX XXXX, but the credit bureaus are reporting it as XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

Secondly, the credit bureaus are reporting multiple inaccurate addresses that do not reflect my current address, including XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XX/XX/2022 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose all addresses that have been reported by furnishers of information within the past two years, but they must also identify the current address of the consumer based on information that is available to them. 

Furthermore, the credit bureaus are reporting incorrect employment information, listing my employer as XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX  XXXX, CA, and XXXX XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

These inaccuracies have caused significant financial harm to me, as well as emotional distress. They have led to me being denied credit and higher interest rates, making it difficult to secure a loan for a new car, rent an apartment, and obtain credit cards with reasonable terms. 

Therefore, I request that the creditor remove these unverified accounts from my credit report and take appropriate actions to ensure that my credit report is accurate. I also request that you enforce the laws that have been violated, including the FCRA, FACTA, and ECOA, to prevent this from happening to me or anyone else in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX