davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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: TRUIST FINANCIAL CORPORATION (TX)

I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto dealer XXXX XXXX  XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealer s XXXX XXXX finance XXXX
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

I would like to file a complaint against TD Bank NA, regarding their mortgage practices in state of New York. They donot apply the additional principal payment properly and are charging interest on previous balance, rather than reduced Principal amount. 

I contacted them several times and even went to their branch to talk to loan officer, they refer me to call customer service. I ask them to send me documents to show how do they apply additional principal payment. They send the print out of my account, which doesn't explain how interest is calculated when additional principal payment is made.
Consumer complaint received 2018-06-14
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 — Their investigation did not fix an error on your report
Company: World Acceptance Corporation (IL)

I have been disputing this account for over a year. I have requested validation of this said debt & have gotten no where with this. I just recently filed a dispute XX/XX/XXXX & it came back XX/XX/XXXX verified again, without providing me with any documents to support to the validation. They also changed my status from charge off to 120 days from XX/XX/XXXX-XX/XX/XXXX. This is effecting me a lot & I don't see how this could be legal. This should be removed from my credit files immediately. The amount reporting is {$470.00} Company information : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2022-04-02
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: GOLDMAN SACHS BANK USA (NY)

I signed up for an apple Goldman sachs card. I ordered a XXXX XXXX  soon after in order to get the installments to further build credit. The XXXX XXXX never reached me successfully and the order was to be terminated and refunded. That same day XX/XX/2022 I went into a nearby XXXX  location a purchased a XXXX XXXX. I. Ow am being charged for two XXXX XXXX  and my credit card company is giving me the complete runaround about a simple transaction. I really need assistance with this matter
Consumer complaint received 2021-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX Cap one na XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

I called this morning to ask about any overdraft fees that I could be getting. The agent said no and I thought the XXXX dollars I had in my account was good. I went to go pay a bill and looked and I got charged XXXX dollars in fees.I distinctly as the agent and she gave me wrong information that results me in getting another fee! I'm extremely exhausted at this point.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I was never late!
Consumer complaint received 2022-03-30
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. (FL)

I have contact these companies several times since XXXX XXXX. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-07-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OR)

XXXX  : YOUR FRAUDULENT YOUR SELF! First your responsable for my Data Breech, Then youll open a dispute 1 day and not even give the dispute process a chance and youll close it the next. XXXX : 2 fraudulent accounts with you. XXXX  XXXX it was closed but now its back open, cant do that its ILLEGAL. Another with you XXXX XXXX. XXXX  open in XXXX was closed, XXXX open XXXX closed. But look there, its open again. Ive been victimized by someone or people that have opened banks, credit cards, cell phones, addresses, phone numbers, revolving credit, inquiries, y information is on the Dark Web. As late as XX/XX/XXXX. Someone is ruining my life and continuing on to try. XXXX accounts including bank accounts.XXXX  these inquiries ARE NOT MINE. Im fixing not ruining. Commentity XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO I almost forgot, for you 3 sister companies Ginnys opened XX/XX/XXXX Acct # beginning with the first 6 numbers is all Im provided with, XXXX closed on XX/XX/XXXX for the amount of {$530.00}, XXXX, opened XX/XX/XXXX closed XX/XX/XXXX with the amount owing of {$120.00}, and last but not least XXXX XXXX opened on XX/XX/XXXX closed on XX/XX/XXXX with a balance of {$1000.00} all 3 of you companies will be getting thee notification that, and it gives me pleasure, all 3 were closed due to fraudulent charges! TAKE OFF MY CREDIT REPORT! Already. XXXX!!!! XXXX!!!! Do I have your attention, the inquiries are not mine, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, Ally XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : inquiries not mine XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX MI XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX. I have ALL my reports LOCKED HOW ARE THEY STILL GETTING IN FILE?????
Consumer complaint received 2021-07-12
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. (PA)

To whom or what this may concern, but the information on my credit report is completely inaccurate. Equifax shows on page 4 & 5 that I don't have a credit card balance for XXXX on XXXX or XXXX. On page 6, it shows that my date of last payment was XX/XX/XXXX but the delinquency shows it started on XX/XX/XXXX ; which is contradictory, the payment history says I paid on time in XXXX. The report shows that my charge off is not present after XXXX, XXXX. XXXX  and XXXX  have different information as well. XXXX  shows my last payment was made on XX/XX/XXXX on page 1, but as you look on page 2 it shows a payment was made. XXXX  will not even let upload my documents for some reason. I send emails and I don't get a response. 

PS my original student loan account shows that it was paid and closed on all 3 bureaus, so the XXXX account should not even exist.
Consumer complaint received 2021-02-03
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. (LA)

The following inquiries are on my report and I did not authorize them. I tried to get this resolved but Transunion said they can not help me XXXX  XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX 2019
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

Submitted non-refundable {$500.00} application fee to Amerisave Mortgage in order to refinance my mortgage at a better rate. Once I paid the fee and competed the application process, my loan officer stopped communicating with me over the phone. What little phone communication I did have my officer ( XXXX XXXX ) kept telling me my loan was " 100 percent complete '' and he didn't need anything else from me. Then I would get email requests for insurance documents. The documents requested were confusing and unfamiliar to me. When I would call to ask questions, he wouldn't answer the phone or return my calls. When I finally did speak to him, he again would say he didn't need anything else and to ignore the requests for documents. Often after speaking, I would get an email from his " assistant XXXX '' asking for the documents he just told me he didn't need. This went on for a few weeks, until I responded to " XXXX '' ( who never spoke to me or answered questions and who I think was a robo ) that I had just spoken to XXXX who told me again to ignore the document requests and I was tired of going around in circles with them over the documents they wanted but wouldn't answer questions about. Right after that my loan status was changed to " cancelled '' without explaination. I lost my {$500.00} application fee to uncooperative finance company. Amerisave Mortgage are unethical thieves.
Consumer complaint received 2019-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (OR)

XXXX XXXX XXXX reported on XX/XX/XXXX a collection on my XXXX  credit report for {$530.00}. When I contacted the number listed, they say the original creditor was Cashnet USA and the debt is related to a XXXX payday loan. I was never notified of this debt, and when I requested detail on the specific debt, they were unable to provide it and referred me to a company with a disconnected number. I called the company Cashnet USA that they say was the original creditor, and the company confirmed I never had any unpaid loans from them. I have disputed this charge with XXXX  and am waiting on resolution to get it removed from my credit report. I do not understand how a company can just add a collection on a consumer 's credit report without any support or prior notice to the consumer. The credit bureaus need to address this issue, it has impacting a large number of consumers, judging by the number of complaints about this company and others like it on XXXX.
Consumer complaint received 2022-04-02
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 a account without my written instructions.
Consumer complaint received 2021-05-04
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. (GA)

Im a victim of identity theft! Ive sent multiple FtC reports to XXXX & XXXX & Equifax!! XXXX has blocked all fraudulent information from my file. XXXX & Equifax says its gon na take 60 days!! Per Fcra All Fraudulent accounts should be blocked within 4 days. Ive never done business with any of this companies. Some used my name and ID to get medical care & Apartments. 
XXXX XXXX XXXX XXXX XXXX! Is Fraudulent they cant provide my signature!! Because Ive never done business with them!! 
XXXX XXXX XXXX XXXX XXXX!! Ive never done business!! XXXX has blocked from my report! 
XXXX never received medical care XXXX  never received care XXXX  contracting never done business. 

Im A Victim Of Identity Theft!!!!! 
Please Send And UpDated Credit Report Via US Mail!!
Consumer complaint received 2021-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I received an escrow check in my deceased husband and my name. Check dated XX/XX/XXXX. I contacted NewRez LLC and requested the check be re issued in my name. I did not hear anything so I contacted them on XX/XX/XXXX to inquire. On tis date I gave my routing info for my bank and was told it would be in my account within 2 days. It was not. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and to this date XX/XX/XXXX it is still not in my account.
Consumer complaint received 2017-12-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (MO)

I have two loans from XXXX XXXX that have been consolidated, but are still showing on my credit report. 
They were both opened on XX/XX/XXXX and closed on XX/XX/XXXX. 
The first one is for {$5500.00} and the second is for {$2100.00}.
Consumer complaint received 2018-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (NY)

Hello good afternoon my name is and XXXX XXXX XXXX I have a checking account with Citibank every two weeks this bank is over drafting me on so much fees now I looked on my account and it is showing I owe them XXXX cent I called them today a few mins ago and asked why do I owe them that amount they charge me a XXXX dollar sevrvuce fee then a XXXXdollar non atm fee and another XXXX dollar drafting fee Citibank is robbing me this is every two weeks they are doing this not only to me Im sure millions of people Im ready to cancel my banking with them cause its too much they are thieves I have a family and bills and rent to pay cant take them anymore
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am Bank of America 's travel reward card holder. Despite of several phone calls, the Bank is not providing the details to check daily exchange rate for USD to XXXX rupee for travel card. I know it changes daily however it must be available to the customer before swiping the credit card.
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLIANT CREDIT UNION (CA)

I have had an account open with Alliant Credit Union since XXXX of XXXX ( over 12 years ). In XXXX of XXXX, they closed my checking account without any prior notice. 

After 3 calls with customer support ( 3 days in a row ), they refuse to tell me why the account was closed, citing that they thought that I had used the account for business purposes hence violating the terms of service, but only a person in the responsible department can answer the exact reason. This was strictly my personal checking account, never used for business purposes, but they refused to tell my the reason they thought I violated the terms. 

Every time that I called in, they stated that the department in charge of shutting down my account was " busy '' and would call me back. I never received a call back and all of my external accounts are not getting paid now ( mortgage payments, credit card payments, etc ). 

They claimed that a letter was sent to me months ago warning that the account would be closed, but it was never received. I check every letter from the banks, and definitely did not receive a letter about this from Alliant. Also no phone calls, emails, texts. No communication that my account would be closed so it was a big surprise to me, and now I am left frantically working to open a new account with a different bank to transfer funds to make my scheduled payments.
Consumer complaint received 2021-07-12
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)

To whom it may concern ; Under 15 US code 1681b-Permissible purposes of consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates. 

I, XXXX : XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached & copy of dispute letter domestic return receipt. 

I would like to paid for the default judgement this has affect my life for the worst. I like to receive a check of {$5000.00} for fraud, Defamation and pain and suffering.
Consumer complaint received 2017-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I requested to see the ORIGINAL NOTE that I signed to validate this debt with Specialized Loan Servicing LLC. They informed me that they only serviced the note. This is not going to work! IMMEDIATELY show me my ORIGINAL NOTE OR FULLY REFUND MY MONEY!
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Im unable to place or remove a security freeze on my credit file and XXXX XXXX XXXX is unable to check my credit report and told me there is a freeze on my file and my Equifax account has a glitch issues and it needs to be addressed and fixed I cant add a freeze and remove it off my file I dont have a freeze right now but XXXX  XXXX XXXX said my Equifax credit report is frozen on there end.. I need have this glitch fix on my Equifax membership
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

My home was scheduled to on auction. After the date had passed I called the back to check the status, I was told that the account is in litigation and they can not speak to me or provide any further details. I explained that I did not seek counsel at any time on this loan and was expecting the property to get sold at auction. I was told that the account is locked and they can not provide details. I explained that there has to be some type of fraudulent activity because I did not authorize anyone to speak on my behalf. There was no help offered, only kept telling me that they can not provide any information. I requested an escalation or to get a a call back, which I never received.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

I was working a shift for XXXX when I receive a ride that dispatched me to a XXXX XXXX XXXX, Fl address on Sunday XX/XX/XXXX at approximately XXXXET. I arrived at the address and got a text message on the XXXX app to await instructions from the passenger. 

I got a call through the XXXX app from XXXX, a person who called himself XXXX. He informed me that I was being rewarded a {$500.00} bonus for excellent customer appreciation based on my last 15 rides. XXXX said he would wire the reward into my XXXX XXXX. He then asked to see a confirmation email from my email connected to my XXXX account. Had me repeat my email and phone number. 

When I didnt receive the email he asked me to change my password. Still no emails. Then he proceed to ask me for security codes that came in through my phone that he said he was generating. Once the XXXX account emails did not come in, he said he could connect to my back through a third party client. He asked for and I gave him username to my online banking which he said he was using to verify my TD Bank account. What he did was access my online banking through a lost password and asked me for the security codes coming into my phone to gain access. 

XXXX then opened the XXXX function on my account ( which I have never used ). Then he asked me to repeat back several security codes and then several {$500.00} confirmations which came up under the name XXXX XXXX. He used the XXXX function to attempt to withdraw three transactions of {$1000.00} each ( which the bank denied ) but then allowed three transactions of {$500.00} each. 

XXXX said he would call me back to fix the issue with the " reward ''. My XXXX account got locked and he said there was a server issue and that he would me call me later in the day with an update. A few hours later I felt suspicious and called TD Bank 's 800 number ( at around XXXX ET ) about what had happened and reported the fraud attempt. XXXX did call me later that night around XXXX ET. I asked him to please put the money back and he hung up the phone. 

I have filed a report to the FTC. FTC Report Number is XXXX and is attached to my complaint.