davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (CT)

President - i opened td bank accounts in feburary that were closed by them right away and i sent a complaint to you. on XX/XX/2022 in a td bank in XXXX at XXXX and XXXX XXXX i opened a checking account XXXX with a transfer of {XXXX} from XXXX XXXX checking account XXXX and a savings account XXXX with another transfer of {XXXX} from XXXX XXXX. both were deposited on XX/XX/2022. since XX/XX/2022 i keep trying to open an online account and they keep refusing me saying i need to be verified. i told them i dont have transportation, XXXX would be {XXXX} about round trip to the closest one, and i was already verified through my in person visit to that XXXX with my ct license XXXX and ssa card XXXX they still refuse to give me access to online banking. this is the third attempt at trying to open td bank accounts to take advantage of there {$300.00} bonus and {$200.00} bonus for opening those accounts and already completing all the requirements needed to receive those bonuses but its appearing more and more evident that the XXXX XXXX is behind this banking institution and there doing everything possible not to fulfill that obligation of depositing those bonuses. you need to investigate this now and make all the arrests nesasary in order to stop this from happening to future customers. do that now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX XXXX
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

The initial complaint filed with your offices is : XXXX against Ally Financial. I was recently informed by my co-signer that her credit report shows a " repossession by Ally Financial '' which has cost her housing, potential loans, credit worthiness etc. by all 3 credit reporting companies. In addition, my complaint was never resolved by CFPB regarding both of the wrongful repossessions of my car when my loan was extended and it was a " computer glitch on behalf of Ally Financial. In addition, the damages to my car, my driveway, my yard and the street from the second repossession has never been resolved by Ally Financial.
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have made numerous attempts to resolve this issue. I have sent numerous faxes and letters in regards to this debt. I was served to state this is a debt owed yet when I contacted the owner of said debt no response. When I requested proof of said debt no response. I have left numerous messages. I have contacted the attorney of record, debt collection agency, and the original owner of said debt to no avail.
Consumer complaint received 2018-03-01
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 — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (NY)

Back in XX/XX/XXXX I leased a Honda I paid the payments on time & returned it in XX/XX/XXXX, its now on my credit report & has me owing {$5200.00} I reached out to all 3 credit bureaus & advised them of the inaccurate information, XXXX Removed this account & few months later its back on my report
Consumer complaint received 2019-08-20
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Student Loan Direct (IN)

I was called in early XXXX 2019 about Student Loan Forgiveness. On XX/XX/2019, I called them back and I was told by XXXX of Student Loan Direct 1 ( studentloandirect1.com ) whom I called at the following number : XXXX that I was enrolling in an " Income Based Government Forgiveness Program ''. On XX/XX/2019, I emailed ( XXXX ) her my 2 lowest pay stubs for the last 60 days and a copy of my drivers license. I also gave her my social security number. She said the fee for the program was {$250.00} for 4 months and I gave her my account number so she could start the first payment deduction onXX/XX/2019 which did come out. I digitally signed an agreement with Student Loan Direct 1 authorizing the withdrawals. She also told me that she would get my 2 loans with XXXX in forbearance for 4 months. She recommenced that I contact XXXX in XXXX to discuss how to pay back one of the loans as she was only enrolling my parent plus loan into the program. She said to enroll the other loan into the ICR ( Income Contingent Repayment ) program with Navient at that time. She layed out how much I would be forgiven if I stayed with the program and that the forgiveness would come at the end of 240 months of paying {$5.00} or less per month to their company Student Loan Direct 1. She said I would have to be recertified every year to check my income and that I could do it for free myself online or have them file for me at a cost of $ 199/yr. She recommended I do the filing with them because they were less stringent. She said that if I was not approved for this program in 90 days that I will be refunded all that I paid into the program. I called XXXX on XX/XX/XXXX19 as they sent out a forbearance acceptance so I wanted to talk to them about this Forgiveness Program I enrolled in. They informed me that they don't have any arrangement with Student Loan Direct 1 and that I should put a stop payment on my account, file a complaint with Consumer Financial Protection Bureau, and also file a local police report.
Consumer complaint received 2023-02-01
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. (GA)

XXXX was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of Federal Student Loans as of XX/XX/2023. I have given XXXX with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! I have provided XXXX with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with XXXX confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

EVERY MONTH I PAY EXTRA PRINCIPLE TO PAY DOWN MY LOAN FASTER BUT NELNET KEEPS INCREASING HOW MUCH I OWE A MONTH!!!!! XXXX????? MY MORTGAGE COMPANY DOESN'T DO THAT TO ME!!!!! I WANT TO KNOW WHY THIS KEEPS HAPPENING AND WHEN THEY'RE GOING TO STOP!!!! I ALSO WANT TO KNOW WHAT MY PAY OFF AMOUNT IS ( THAT REQUIRES NELNET TO PROVIDE AN ACTUAL DOLLAR AMOUNT IN THEIR RESPONSE )!!!! I AM SO READY TO BE DONE WITH THE SCAMMERS FOREVER!!!!!
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P. (MI)

i had switched from XXXX to XXXX, XXXX was to pay the phones off from XXXX but nobody was responding and i only had a certain amount of time and before i knew it i was being placed in collections. I never got any calls back when i kept asking about paying off the other phones and they were charging me for XXXX that they had told me were free with my phone purchase. I was placed in collections on XX/XX/21 and i had no idea until i checked my credit report to purchase a home. the amount is for XXXX the collection agency they are using is called Southwest credit systems
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I went to branch to open a new checking account with a bonus code today, XX/XX/2018, at XXXX, and this account was successfully opend at around XXXX, and the banker gave me a welcome document case and told me how to sign up for the online bank. I went home around XXXX and tried to set up the online banking. Then I found the banker typed my cell phone with a wrong number, so I could not receive the text message. So I reqeust log in with security questions, and reset my cell phone numbers, then I was able to log in. But, the most ridiculous thing was, around XXXX, I received an email said " Access Denied for Funds Transfers '', so I tried to log in to my online banking again, and the system stated that my log in information did not match with the records. So I called the online banking department, and the representative told me that my checking account was already closed out based on the bank 's decision. It turns out that my checking account only survived for no more than 5 hours, and the bank just eat my two initial deposits and my bonus coupon code and killed the checking account at the same day due to the typo from the banker?!
Consumer complaint received 2018-02-27
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (TN)

In XX/XX/XXXX Di-Tech reported to all 3 credit bureaus that I was over 30 days late on my mortgage payment in XX/XX/XXXX. I have emailed them twice with attached documents of proof as well as talked to customer service. I have also called all 3 credit bureaus. Di-Tech still has not corrected this. 
They have also taken payments and applied them to a " unapplied account ''. Instead of applying them to my mortgage payment as I directed. This happened XX/XX/XXXX. I wrote a separate check for late fees XXXX It was split up. Part put into a unapplied account and other towards the principle.
Consumer complaint received 2019-08-17
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. (CA)

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

On XX/XX/2020, I contacted Chime Bank to dispute the fraudulent charges to my spending account. The were informed earlier regarding my card being stolen and had asked that I complete paperwork totaling 48 pages to submit before I could begin the dispute. I completed all of these pages and began the dispute process. Apx 10 business days later they responded that " no billing error '' had occurred and I would not be receiving any credit for these fraudulent charges. I then filed a rebuttal to this adding the copy of the police report regarding my stolen wallet on XX/XX/2020. On XX/XX/2020 they responded that they had no changed their decision and the fraudulent charges would stand. However, on XX/XX/2020, they found that my dispute was valid on my credit card with them for the fraudulent charges due to the same circumstance and they did credit back all the fraudulent charges to my Chime credit card, yet have not been able to explain why they would do so on that account but not my spending account. I have attached a copy of the bank finding my fraudulent charge claim to be valid for their credit card account I have with them.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mar Joe Enterprises (TN)

CBC was sent a certified letter with return receipt for " request for verification '' on XX/XX/2021 for 2 accounts which are showing negative on my credit report. They received the letters because I received the " return receipt '' showing they received both letters regarding both accounts. I have never received a response from CBC collections nor have they verified my account and they have not removed it from my credit file.
Consumer complaint received 2020-10-29
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: Paypal Holdings, Inc (TX)

On XXXX XXXX 2020, I ordered some pool filters for a total of {$170.00}. The item was supposed to be delivered by XX/XX/XXXX. When I did not receive, I contacted XXXX XXXX to discover where the package was. They said it's location was unknown. 

I contacted the seller on XX/XX/XXXX ( item still had not shown up ) and he indicated he only had one left, so I ordered a replacement on XX/XX/XXXX. I disputed on XXXX as " Item Not recieved '' I received the second item ordered, by the expected delivery date. About 3 weeks later I received the the first item ordered. I contacted the seller and he sent me a shipping label. I sent the item back to the seller, and attached is XXXX  XXXX  tracking label and delivery verified from XXXX XXXX. 

As requested, I sent the attached items to the dispute department at XXXX XXXX. My dispute was declined, even though I sent the attached info, showing XXXX said they would refund the money, Seller said he received the item I returned. 

They indicated that PayPal refused to issue refund, but would not explain how or why it was refused. 

XXXX XXXX  issued me a credit to make up for it.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collection Service Inc (GA) (GA)

I've sent several documents to Professional Collection Services asking them for documents to validate this alleged debt. They received the documents on XX/XX/2021. It has been well over 30 days and they still haven't sent any documents of this debt that they ASSUME I owe. I'm asking CFPB TO HAVE PROFESSIONAL COLLECTION SERVICES REMOVE THIS COLLECTION FROM MY CONSUMER REPORT BECAUSE THEY ARE IN VIOLATION! 

Professional Collection Services state there was no response from the validation notice they sent out or numerous phone calls. 
15 USC 1692g ( c ) Admission of Liability ; The failure of a consumer to dispute the validation of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
Professional Collection Service doesn't have the right to say the debt is valid. You can ASSUME. Only I can validate any alleged debt. 

Professional Collection Services reported this alleged debt to the credit bureau. 
15 USC 1681 My credit/consumer report is my reputation. If a bad debt has been furnished to any consumer reporting agency, my reputation has in fact been ruined. Professional Collection Services reported bad debt to my consumer report. This is a violation. 

Professional Collection Services stated I owe an alleged debt that they can't seem to give proper and correct documents that I requested. You called in an attempt to collect a debt. Professional Collection Services is in violation. 
15 USC 1692b ( 2 ) not state that such consumer owe any debt. 

Professional Collection Services stated I didn't respond to any of their contact attempts. 
15 USC 1692a. communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692c ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 
Professional Collection Service called me at an unusual time they are in fact a violation.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California (CA)

New CFPB compliant against Collection Consultants of CA in response to previous CFPB compliant #XXXX.My right to dispute a debt that is not mines is being impeded by there stall tactics. Collection Consultants of CA responded on XX/XX/19 that they don't have an account in there records with the account number XXXX. In this case you are committing fraud and defaming my character by placing incorrect information onto both my XXXX and XXXX Credit Reports please review my Attachments . As a debt collector or third party vendor I don't owe you any money because I never established a contract with you. Also please note that Bill statements or receipts are not documents of debt validation.  All the information I provide in this compliant is all the verification you need lets stop playing games.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I was on XXXX XXXX XXXX and all year up until XXXX i wasnt notified that they the part of my rent they pay wasnt being paid and they pay tracked and accumilated all and now its over XXXX XXXX XXXX
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX XXXX  I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to  be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$73.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (CA)

I filed XXXX XXXX bankruptcy in XXXX because I was being evicted from my apt . I paid what I could through the XXXX  XXXX. In XXXX my bankruptcy was coverted to a XXXX  XXXX due to hardship because I had a XXXX XXXX XXXX XXXX XXXXXXXX and declared a hardship. It was discharged six months later XX/XX/XXXX XXXX bankruptcy mostly contains XXXX  loans from XXXX. After discharge, my loans remained and my car was repossessed. Now my loans that I expected to be discharged through hardship has been transferred to AidAdvantage. I'm social security XXXX of XXXX per month and I have to pay for my own medical treatment. I can't pay my own rent right now. I'm in over XXXX in student loan debt right now. And my I have no degree.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have been a victim of Select Portfolio Servicing. The problem started when I received a notice that my property was being sold for back taxes. I received a notice that my property was being sold at a scavenger sale in XXXX XXXX. Upon me learning that my property was being sold I contacted Select Portfolio Servicing asking why my property was being sold when I have been sending my mortgage payments for the last eight years on time. Please see correspondence dated XX/XX/XXXX. Inside the correspondence you will see copy of the checks that were cashed by Select Portfolio Servicing. Upon further investigation I received correspondence dated XX/XX/XXXX stating that the checks were never cashed and returned to me because the mortgage was released eight years ago. I then contacted XXXX  XXXX which is my banking institution and they provided me a letter dated XX/XX/XXXX showing that Select Portfolio Servicing was cashing all my checks a total of 88 checks totaling over {$88000.00}. Select Portfolio Servicing has engaged in serious fraud by cashing my checks and not paying the property taxes as required. On XX/XX/XXXX I received a notification that my property taxes were sold in the scavenger sale and the redemption period is up on XX/XX/XXXX. I am a XXXX XXXX XXXX that has been victimized by this servicer and I respectfully request a complete and thorough investigation into their misconduct and their violation of Illinois Deceptive Practice Business Act, violation of Truth in Lending they mysteriously stated that they returned all my checks when in fact I have proof that they cashed all the mortgage payments knowing that the mortgage was released in XXXX. I never received any notification from the XXXX stating that the mortgage was released back in XXXX. For the last 7 years they have been cashing my mortgage payments and never paid any of the property taxes and insurance. I am great danger of losing my property and requesting assistance from your agency and seek and return of the {$88000.00} in mortgage payments that they were not entitled to cash so that I can redeem my property that was sold because of delinquent taxes. Select Portfolio Servicing knowingly and intentionally with a deliberate indifference were cashing my checks knowing that they were not entitled to those payments.