davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2020, I did receive an e-mail from TD Bank ( XXXX XXXX  ) saying my checking account was in a lower balance on it. By XXXXXXXX XXXX. I did make a transfer from my savings account to fix that, nevertheless, on XX/XX/XXXX they charged my checking account with a {$35.00} fee because of an overdraft. 
I do have a linked account, a direct deposit and if it's wasn't enough, some lawmakers did suggest institutions like banks do not charge any fee during these difficult times of pandemic. Please, take note that the time between the transaction wasn't more than 20 minutes.
Consumer complaint received 2020-07-01
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. (FL)

I HAVE CONTACTING TRANSUNION, XXXX   AND XXXX BECAUSE THEY HAVE INCORRECT PAYMENT HISTORY ON MY CREDIT REPORT ( LATE PAYMENT ) I SPOKE TO REP AT ACCEPTANCE NOW TO DEFER MY PAYMENTS FOR XXXX, XXXX THIS  SHOULD NOT BE REPORTED AS LATE BECAUSE OF COVID 19 ( ACCEPTANCE NOW ) ACCOUNT NUMBER XXXX PAYMENT PAST DUE FOR THE MONTH OF XXXX, XXXX AND XX/XX/2020 ALSO THE BALANCE IS INCORRECT ON THIS ACCOUNT I RQUESTED FOR A PAYMENT TO BE DEFERRED BECAUSE OF THE COVID 19
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (CA)

This is my fourth time complaint they keep responding that the complaint does not appear to be from me. This is an ongoing problem with Experian so I am sending the same request again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XXXX XXXX ) 2. ( XXXX XXXX XXXX   & XXXX XXXX ) 3. ( XXXXXXXX XXXX & XXXX XXXX ) 4. ( XXXX XXXX XXXX XXXX &  XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate  this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. On the previous request Experian did not remove these inquires. Please delete these items. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2020-10-13
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX CXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXK Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PAVILION PT XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX TOWN XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX BRIAR XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX 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 2020-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

it has been 60 days with no response rom the bureau regarding my complaint which is just complete disregard for the laws that govern them. I hope with you help this will not be able to continue
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

XX/XX/XXXX I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, Experian XX/XX/XXXX Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX- Verified as accurate Experian XX/XX/XXXX Report # XXXX Dispute Results : *XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXX-Updated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX at the telephone number XXXX on XX/XX/XXXX at XXXX XXXX and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX sold this account to XXXX XXXX XXXX, but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/XXXX after my dispute with them. Both XXXX XXXX XXXX  and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX  to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX  any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2017-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I have been contacted by a company claiming to be Fifth Third Bank. I do not have an account with this bank, in any capacity. They have called me nine times in the past 2 days. When I answer their calls they refuse to let me speak to a supervisor, however they continue calling.
Consumer complaint received 2016-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I was going to school for one year and graduated in XX/XX/1984 and I believe that I fraud was happening because it was a one year program and to this day, they taking money from my XXXX and we sent all paperwork to the FTC, and they said that you would be able to help me.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC (TX)

I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with RentDebt for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with XXXX, XXXX and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -XXXX has payment status as : Legally paid in full for less than the full balance -XXXX has payment status as : Paid XXXX has NO payment status XXXX is reporting this account as open
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

This is notice that on or about XX/XX/XXXX, a call was placed to the US Dept of Education concerning false and or wrong information as to a debtor. The employee of the collections division wouldn't give name or name of 3rd party collections, rather made threats that this was an attempt to collect a debt and that they will determine on or by XX/XX/XXXX when they will collect money from social security benefits and such the like. 

As stated before the Claimant herein never said he didn't have a loan but stated clearly that there is and never was a consolidation. During the call with the agent of the 3rd party debt collector unknown name and address refused to give information, the agent said that this seems to be a problem between you and the Department of Education and XXXX XXXX because it was assumed that the claimant had somehow done a consolidation when clearly he did not. 

They also made mention of a hearing without a date in the future for this to take place but nothing is clear. 

The claimant paid the alleged loan off on XX/XX/XXXX via USPS mail by way of Tender of Payment act of 1933. As such a copy of the tender of payment was mailed and delivered received by the US Treasury as all copies shall be sent to this department when a payment has been tendered. 

More over the Department of Education has listed this as a debt that was in collections and has damaged the claimants credit rating tremendously. As of XX/XX/XXXX this alleged consolidation was deleted from all three credit reporting agencies. 

On or about XX/XX/XXXX it was added back after a clear dispute of this debt and identity theft fraud was proven.
Consumer complaint received 2020-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (FL)

I bought a car from XXXX  Toyota to do XXXX, when I was negotiate with them I told them that it was for XXXX and I trade mine with them, I was at the same room with XXXX XXXX y XXXX  when I call XXXX XXXX and XXXX XXXX ask : what are you going to do with the car? and I told them that I'm going to do XXXX and they didn't tell me nothing and I wanted to make sure that everything is correct. I was in an accident on XX/XX/XXXX I was surprised that my just inform me that GAP denied my case because the dealer give me a Wong GAP and my lawyer send me to fix that with with the dealer. To make sure that everything was on the same alignment I told my lawyer that I was doing XXXX and XXXX  and the insurance know that I was doing XXXX. 
IF I'M NOT THE ONE WHO PIC UP THE GAP WHY I HAVE TO PAY WRONDOING OF THE DEALER? THE DEALER GIVE ME THE WRONG GAP. 
They just charge me more than {$10000.00} to pay I really don't know ; I'm not doing XXXX now in that difficult time ; I have bills, I'm paying a XXXX school. 
I WILL THANK YOU FOR YOUR HELP. XXXX
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened a Citi checking account on approximately XX/XX/XXXX. The checking account came with a promotion that I would earn a {$300.00} cash bonus if I met the following requirements ( terms attached ) : 1 ) Within thirty days of account opening : Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account, and maintain a minimum balance of {$15000.00} for sixty consecutive calendar days following the date the qualifying deposit was made.

2 ) Within sixty days after accounting opening : 1 qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new checking account. 

During the process of making my initial deposit of {$15000.00}, I contacted Citibank customer service to be provided the proper routing number for a bank-to-bank transfer because I couldn't find it online. I was provided one and used it for a funds transfer but the funds were never delivered. After realizing the transaction had failed I immediately called Citibank customer service again. Upon further inquiry it was determined that I was provided the wrong routing number. This call took place around the 30 day initial deposit requirement and so I was concerned my funds would not be deposited within the 30 day window. During this call I was provided the correct routing number and assured by the customer service representative that I'd remain eligible for the promotion, even if my initial deposit did not meet the 30 day window, due to the fact that I was provided the incorrect routing number causing my deposit to be delayed by many days. 

With the correct information I completed my initial deposit on XX/XX/XXXX and maintained that deposit until XX/XX/XXXX, which was greater than XXXX calendar days. I also had XXXX qualifying direct deposit post in XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). The attached statements document these transactions, which met the remaining requirements of the promotion. 

Around midXXXX I contacted Citibank to confirm that I had met the terms of the promotion and ask when I was to receive my promotion. During a series of calls and after an investigation it was determined that " my account does not qualify for this promotion because the required amount of deposit was not made within the stated timeframe ''. This conclusion was reached despite the fact that I was told by a Citibank customer service representative in XX/XX/XXXX that I would remain eligible for the promotion as a result of their mistake that resulted in my delayed initial deposit. This was also reached despite the fact that I continued to meet the remaining promotion requirements in good faith despite the error on Citibank 's part.
Consumer complaint received 2022-09-12
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (CA)

This company has been calling me making threats via robo calls. Company has threatened legal action. Debt does not belong to me. They claim to purchase debt from XXXX insurance. The vehicle does not belong to me. It belongs to another person.
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gatestone & Co. International Inc. (WI)

My husbands company, Mr. XXXX XXXX was sold to another individual and Mr. XXXX XXXX was closed in XX/XX/XXXX. They had a debit card through XXXX Banking that was also closed at the time of the sale. Between the close of the account and the next billing cycle, a charge of {$24.00} was processed thru the account. We no longer received statements on the closed account, so we had no knowledge of the outstanding charge - which we never disputed. Had we known, we would have paid the balance promptly. In XX/XX/XXXX we received a Memo Statement from our bank indicating an unpaid balance of {$310.00} with a statement on the Memo Statement stating for information only - do not remit payment.. We visited our local banker and at this time were informed that they can not resolve the matter and that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX. To date we have never received any written notice that the initial amount and resulting late fees and interest are due from XXXX. We only continue to receive the Memo Statements from our bank. 

We have contacted XXXX ( XXXX ) to resolve this matter but are only allowed to speak with persons who will except full payment, but not consider this matter to an agreeable conclusion. If we owe the {$24.00} - that is not an issue. What we do not feel is fair is to charge us the late and interest fees for the past two years without ever receiving a method in which to resolve the matter. 

The last conversation in had with XXXX on XXXX XXXX they told me to write this matter to the attention of XXXX. I did so that day and have not received any response. Today, I received another Memo Statement from XXXX showing the current balance as remaining at XXXX
Consumer complaint received 2018-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to tell my boa agent, it was a fraud transaction. And I want to cancel the transaction and get the money back to my account. But they will not do that bed it was through XXXX. Someone need to catch those scammers and get the money back to their rightful owner
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

It is the law, that I receive my statements on time, however, I am having issues with Select Portfolio Servicing because I am not receiving my monthly statements on time. Today is XX/XX/XXXX and I have not received my monthly statement. In XX/XX/XXXX I did not receive my statement until XX/XX/XXXX, again in XX/XX/XXXX I received it on XX/XX/XXXX. It is aganist the law not to receive my statements, and why do I have to request my monthly statments. My statements should arrive 12 days prior than the due date, but again today is XX/XX/XXXX and I have not received my statement.
Consumer complaint received 2018-02-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BARCLAYS BANK DELAWARE (CA)

when attempting to reset my forgot password I opt to get a code sent to my phone via txt msg. after receiving code via text for password reset of online banking login the online site at www.banking.barclaysus.com will not give men the option to enter this code anywhere only have option to send txt msg ( code ) again. will not let me reset password! 
same with email and phone request code opt.
Consumer complaint received 2020-07-14
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. (TX)

The credit reporting agencies TransUnion and XXXX has not sent me Validation for account on my report XXXX XXXX XXXX XXXX   Account # XXXX. On XXXX XXXX I sent out a letter for Validation of a account XXXX XXXX XXXX XXXX  on my credit report. XXXX XX/XX/2020 i send out a letter for validation in which they have 15 days to respond showing me how the account was Validated. On XX/XX/2020 i sent out a method of validation follow up with the bureaus and this account remains on my report and i have not received validation. XXXX could not validate the account and they have removed it from my credit report.
Consumer complaint received 2022-09-12
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-08-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (WI)

In this COVID-19 pandamic, my daughter 's & my ( co-signer ) financial situation has changed drastically. We are struggling to pay our mortgage and other bills. As a co-signer, I have repeatedly requested Sallie Mae to defer the student loans of my daughter as per CARES Act, but they continue to harras us with phone calls & collection letters etc. 
I am a substitute at a local school here and my hours are cut considerabily ( 15 hours a week ) due to virtual class room arragement. After the CARES Act went into effect in XX/XX/XXXX, Sallie Mae went into my checking account and illegally debited funds for XXXX & XXXX months with out my authorization. I previously set up a 3 payment plan in XX/XX/XXXX, they continued taking out funds after the three month period as well. 

My daughter & myself can not make payments on student loans till the end of this year XXXX. I need your help to contact Sallie Mae and direct them to stop harrassing us and put a forbearance plan through XX/XX/XXXX XXXX