davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX, XXXX is the balance but original balance was XXXX They sent me a alert but report is still not correct, XXXX has ensured me that the information has been certified correct and accurate. But that information still contains A disconnected non working telephone in which their is no new number at this time according to the recording when get when you call the number on the telephone that is on my credit file. Now according to the law everything must be accurate or it must be removed and they certified this as a reinvestigation. Not the mention they also certified that XXXX also that their information was accurate also but am not believing it. After what they did for the first one I cant believe anything they said. At this point I wan na know who and how they verified the information. Who do they talk to where did they get the information from, what was their source? Did just pull it out the air.
Consumer complaint received 2018-02-22
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)

XXXX mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.
Consumer complaint received 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Amscot Corporation (FL)

I called CFPB a few days ago concerning Amscot payday business.I missed CFPB call back but got the voice message. 
The representative told me refusing to provide signed copies of the loan contract at the time of the transaction is a violation of federal law.

Amscot only gives unsigned copies to borrower 's.

I am a XXXX old. 
I have been locked in an endless cycle of monthly advances on my social security since XXXX. 
Every month I ask Amscot for signed copies.

They refuse.This is a corporate level policy.

There have been times I was intimidated.

A few months ago when I requested signed copies the manager asked " do you want to stop the loan? '' I stopped asking for the signed copies because I needed the money to get through until my next social security payment. 
I saved many documents with no signtures as well as interest rates more than XXXX percent. 
Since XXXX the documents as well as my own experience reveal exactly what payday lending is.It is predatory. 
Documents show the impossible curtailment of the rights of people trapped in these loans. 
If CFPB wants the unsigned contracts as far back as XXXX I will provide them ( I became a chonic customer in XXXX. 
I started collecting documents in XXXX ) as well as evidence of other practices that doom consumers to repeated reliance on payday lending with specific curtailing of consumers right. 
There are so many with different loan numbers I can't fit into the complaint. 
However I can scan them and send by email.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (SC)

This company has been reporting on my consumer report for a while, I sent this company a cease and desist & they still refuse to stop all collection activities. I also did my due diligence and looked at XXXX and I saw that the company is not bonded or licensed in South Carolina to collect. So Im trying to figure out why this company is trying to collect from me. Can you please get this company to stop trying to collect from me because at this point its illegal.
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (OH)

This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have sent several certified letters this year and last year in regard to the incorrect, inaccurate reporting of this account. Date sent XX/XX/XXXX and XX/XX/XXXX, the XXXX account has been charged of since XXXX and XXXX
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I contacted Wells Fargo a few times about this same issue. So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Wells Fargo. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Loss prevention, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Wells Fargo. 

When i further asked why and explained to the phone banker that i have never opened an account with Wells Fargo. She sent me to loss prevention. Loss prevention said my accounts were closed, i advised them that i have never opened an account with Wells Fargo in my life, and that i just now have been trying as of this week. The loss prevention rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Loss prevention person, that is a mistake because i have never opened an account with Wells Fargo. The loss prevention person then transferred me to identity theft operations. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Wells Fargo but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently.
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (PA)

To Whom It May Concern, On XX/XX/XXXX, I was denied by a creditor for health financing. Thus, I requested a copy of my consumer report from the consumer reporting agency the creditor used -- XXXX XXXX. I received my consumer profile on XX/XX/XXXX, and noticed SEVERAL fraudulent inquiries made by : " Santander Consumer USA XXXX DBA Drive Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ''. The inquiry type states, " Credit application ''. It fraudulently states I have submitted credit applications on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These repeat inquiries, systematically fall on the XXXX day of every 3rd month. Not only are they fraudulent but seemingly willful ( given the pattern of submission ) on behalf of the company. This caused me to be declined from healthcare financing. I received a determination letter from the healthcare financer that states, " Number of inquiries was also a factor '' in my denial. Thus, I have been gravely harmed by this institutions behavior I did not, on any of those dates, submit a credit application. 

When an individual fraudulently submits a credit application, especially in an ongoing fashion such as this, they are prosecuted by the FBI. Thus, this company, too, should be prosecuted. Lets start with XXXX XXXX ( the woman whose phone number is provided on my consumer report ). I tried to reach out via phone three times on XX/XX/XXXX at XXXX XXXX. There was no answer, but I left a message. I still have yet to receive a return call. I would now like a remedy.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

The complaint is about TD Bank, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
TD Bank offered a re-financing for my house, and I signed a XXXX rate-lock agreement with TD in XX/XX/2020. 
InXX/XX/2020, TD Bank said the existing lender could not perform a loan assignment due to COVID in order to close the re-financing, but asked me to wait and promised in writing to extend my rate lock until closing. 
Despite my weekly email follow-ups, TD Bank continued to ask me to wait. 
InXX/XX/2020, I informed TD Bank I could not wait any longer and wanted to close the re-financing without the assignment, and I was willing to bear the resulting additional cost. 
In XX/XX/2020, after my numerous attempts to get an answer from TD Bank, TD Bank informed me they would not honor the loan terms they promised to me. On XX/XX/2020, TD Bank promised in writing to refund me the {$530.00} in appraisal fee that I paid in good faith at its request during its underwriting process. I never received the refund. On XX/XX/2020, in response to my email inquiries, TD Bank representative emailed me and said he would check on the status of the promised refunds. 
After that, TD Bank stopped responding to my continued inquiries.
Consumer complaint received 2021-02-20
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)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (FL)

Chase mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened an account with Citibank on XX/XX/XXXX because I wanted a bigger name bank for my SBA loan advance. The account was opened and the advance was deposited fine on XX/XX/XXXX. On XX/XX/XXXX my account was closed and flagged fraud with no notice, no verifications, and I had just gone into a branch earlier that day to get a copy of my card. Now my funds are being held and nobody will tell me the reason for my account closure. I have called numerous times, to no avail. There were no fraud transactions on my account and Id like access to my money because that was all I had.
Consumer complaint received 2018-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

I had to start making payments to my loan in XX/XX/XXXX. In XX/XX/XXXX, I requested a change in due date to the XXXX of each month. I paid for XXXX  on XXXX XXXX and the company ( nelnet ) right after my payment, changed the due date to the XXXX, starting in XX/XX/XXXX. Suddenly, I started getting notifications that I was late with my payment and that I owed 2 months ( around {$1000.00} ) and that they were due on XX/XX/XXXX. Suddenly for two months, they were requesting 3 months of payment. I called thinking it was a problem with the system. After talking to 4 people and spending hours of the phone, someone said that they couldn't do anything about it, that they apologized that I got the wrong information but that I had to pay. According to one representative when I requested a change in the due date, they had to move the start date to XX/XX/XXXX and as a result of that my XX/XX/XXXX payment covered XX/XX/XXXX ( not XX/XX/XXXX ) and now I owed XX/XX/XXXX and XX/XX/XXXX. No one ever explained this to me when I requested a change in due date and no one seemed to be accountable ... now I have to pay around {$1000.00} in XX/XX/XXXX because no one ever explained to me the implications of changing a due date.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

These fraudulent inquiries are being reported to consumer report with my authorization. These have been fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OR)

On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of XXXX XXXX XXXX XXXX  on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called XXXX, XXXXXXXX XXXX XXXX office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

These fraudulent inquiries are being reported to consumer report with my authorization. These have been fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (FL)

Good evening At XX/XX/2017 after the IRMA Hurricane I just received a letter from Santander Consumer USA my car loans Bank. In this letter they was offering payments extensions to us The Costumers. They havent mentioned nothing about fees, interest and I havent ask because they are offering a help.

They approved an extension for two months. The extension ended XX/XX/2017 and now after 3 payments, they take all the mony for interest, nothing to the principal and my contract was extended 2 month more. Almost {$900.00} on interest, a help that I have to pay to Santander thanks to the Hurricane. 
Is good let you know that Santander Finance me a XXXX XXXX XXXX XXXX at the 25.5 %. a percentage that kill me, and even like that, Ive never been late on my payments. 
Thanks you so much for your help.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

On XX/XX/20 i open an savings account with Bb & T transfered XXXX to the savings from my checkings i had for an year woke up XX/XX/20 to my account close they can't tell me where is my money why my account close anything i just had a baby i was trying to buy milk and pampers and couldn't use my card they cant give me any information at all so im stuck trying to see what is going on and how can i get the issues resolved
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (GA)

In accordance with the fair reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, has violated my rights. 

15 U. S. C 1681 SECTION 602 A state 's 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 a account without my written instructions.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, has violated my rights. 

15 U. S. C 1681 SECTION 602 A state 's 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 a account without my written instructions.
Consumer complaint received 2020-04-27
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$910.00} XXXX XXXX XXXX   XXXX {$920.00}
Consumer complaint received 2022-09-10
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-02-22
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: Experian Information Solutions Inc. (NV)

I received a response from XXXX XXXX and I am not satisfied with the response from XXXX XXXX. XXXX XXXX denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. XXXX XXXX website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and XXXX XXXX was unable to reach me to notify my of the late payment. XXXX XXXX is purposely trying to keep this damaging information on my credit report when I was only 31 days past due. 

XXXX XXXX is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to XXXX XXXX in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn XXXX XXXX has such a hardline attitude towards the circumstances of my situation.
Consumer complaint received 2022-09-10
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: Bridgecrest Acceptance Corporation (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose. 
XXXX XXXX XXXX
Consumer complaint received 2020-04-27
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. (AZ)

When I applied for an auto loan my credit union informed me that my debt to income was too high. I found that Experian still showed a mortgage on my account. 
On XX/XX/XXXX I filed a dispute. I was then asked to fill out a survey and my only complaint was the amount of time to resolve the issue which was XX/XX/XXXX. 
On XX/XX/XXXX I was informed the dispute was resolved. I have had a mortgage with XXXX XXXX since XX/XX/XXXX. I sold my home and closed on the XXXX of XXXX, XXXX and XXXX XXXX was paid in full on XX/XX/XXXX. 
The resolution I received of XX/XX/XXXX said my mortgage was discharged through bankruptcy chapter XXXX in XXXX. 
My home was never part of my Bankruptcy and I made my monthly payments until XX/XX/XXXX. 
I believe that since they saw a bankruptcy that they just assumed the debt was discharged. 
I filed another dispute with Experian on XX/XX/XXXX stating they are in correct in regards to my mortgage. They are still working on it. I have no names of any personnel at Experian but I believe because I complained that it shouldn't take so long they decided to show this debt was discharged when in fact it was not! 
When I contacted XXXX XXXX they said they would indicated the balance was paid in full and the account closed.