davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (VA)

In my move from New York to Virginia in XXXX of 2017, I would receive XXXX   XXXX XXXX  bills in bulk forwarded from my previous address to my Virginia address. I was under the impression I had automatic payments set up. My XXXX XXXX XXXX charge that lasted over 90 days was for {$20.00} or so. I make over {$100000.00} a year so this obviously wasn't a financial burden that I was putting off. Yet, this {$20.00} bill has severely brought down my credit report.
Consumer complaint received 2018-02-01
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. (PA)

Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initiated. It has been well over the 30 days given for Equifax to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX/XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2017-07-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS responded to an inquiry I submitted on XX/XX/XXXX. In their response SPS stated they need documentation to change their position that they are not the Servicer and have no financial interest or any other interest in my home. There are 5 issues at hand. First, SPS continues to erroneously insist that I owe on a mortgage they purportedly service. They have failed to provide proof for any assignments from the so-called trust XXXX Mortgage-pass through security XXXX nor any written proof as required under the Qualified Written Request that the security exists. To the contrary, I have provided proof of SEC documentation that the trust was terminated in XX/XX/XXXX. Additional documents are contained in this complaint. Second, attached are several more written documents that refute SPS claim the Trust or the parent company, XXXX , XXXX- a Delaware Company exist according to the Secretary of Delaware . There is no way SPS can represent the shareholders of the XXXX Mortgage-pass through XXXX if the Trust that SPS claims to represent has been terminated as a business entity ( Secretary of Delaware ) and as a Trust ( according to SEC ) since XX/XX/XXXX Third, SPS claims to be the servicer for the shareholders to the XXXX Mortgage pass-through XXXX Trust. Attached you will find a notarized and recorded document where XXXX claims to represent the shareholders of XXXX Mortgage pass-through XXXX Trust as its Servicer. ( See Attachment page 8 ). Fourth, the XXXX Mortgage pass-through XXXX Trust SPS claims to service is for a Home Equity Loans. The documents ( Deed of Trust ) SPS provided are for a home purchase not a home equity line of credit. ( See attachment-XXXX Structured Finance, page 1, midway down the page ). Fifth, in XX/XX/XXXX, XXXX XXXX filed a XXXX with the SEC where XXXX claims to represent the shareholders of XXXX Mortgage pass-through XXXX Trust ( See attachment-SEC XXXX filing exhibit XXXX, page 3 ). Finally, SPS does not have any financial interest in my property for the following reasons ( not an exhaustive list ). There is no Trust, according to the Secretary of State of Delaware for Corporations and the Security Exchange Commission ( SEC ). Notarized court documents by XXXX proves they are the Servicer of Record for the XXXX Mortgage pass-through XXXX Trust. Documents filed with the SEC by XXXX XXXX states it is the Servicer of XXXX Mortgage pass-through XXXX Trust.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am loosing my house loan because Equifax is reporting erroneous information. I contacted Equifax about two accounts that were reporting incorrectly. The accounts were with XXXX and XXXX. The accounts were stating that I was late. XXXX reported that I was late by 30 days and XXXX said I was late twice in the last 90 days, in the incorrect credit report. They went back and reviewed the record and changed the reporting. I received letters from XXXX and XXXX stating this. I also received an email from Equifax stating this as well. Equifax stated that the dispute was verified by the lender. This is incorrect. I received a letter from each of the lenders stating the accounts were not late. AND EQUIFAX sent me an email saying that the account information was changed to " PAY AS AGREED '' and changed FROM not more than 30 days late on each account. HOWEVER, when I pull my credit report, it still show that I was late IN THE 81 MONTH HISTORY section of my credit report. So it says paid as Agreed on one side but when you expand the screen it still shows that it is late in my 81 month history with each lender and this is TAKING MY CREDIT SCORE DOWN by XXXX point and causing me to loose my house loan that I was suppose to close on. Somehow the attendants that answer the phone are restricted from seeing the online information and can only look at the same credit report that you get. This makes no sense. If the credit report is wrong, they should be able to look at the account information associated with your accounts and not just the credit report. SO if equifax offers the monitoring service, and equifax sends you an email, the attendant should be able to see all of the information and correct it. As it stands the company employees can not really offer much to help you. Both myself and the lender are reporting to Equifax that the information is incorrect and this company still will not correct my credit file.
Consumer complaint received 2019-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (FL)

I have recently disputed payments deducted from my checking account due to a company called Premier Student Loan Center, LLC. They have fraudulently deducted money on a monthly basis since XXXX of 2018, and are NOT providing any services. The first 6 months they deducted {$390.00} a month, XXXX for my student loan, and XXXX for my husbands student loan. There has been no payment towards our student loans and It appears that they are somehow putting our student loans in forbearance without our authorization and pocketing the money. After obtaining our credit report, I found that our student loans are up for renewal and that NO PAYMENTS have been received. I contacted the company and the XXXX to find that Premier Student Loan Center is a SCAM, and there is no forgiveness towards our student loans, and they are not providing any services, just taking our money on a monthly basis. Over {$2300.00} was deducted the first 6 months, then another XXXX has been deducted from our perspective checking accounts ( XXXX and XXXX XXXX XXXX XXXX ) despite hundreds of dollars in INTEREST accruing in our student loan statements. My student loan lender is XXXX XXXX XXXX and they have NEVER heard of Premier, the merchant taking my money. My husbands student loan is serviced through XXXX. XXXX   XXXX XXXX suggested that I initiate a complaint. Also, despite giving this fraudulent activity to XXXX, I was unable to receive any return of the funds. However, my husband received a partial refund from XXXX, but has recently been notified that he will not be able to keep those funds as these deductions happened longer than 60 days ago. I am certain we are not the only ones affected as there are well over 100 complaints to the XXXX. This company is preying on individuals that would like assistance with student loan repayment and forgiveness. 

I do not wish for anyone else to be defrauded as we have. 

Thank you, XXXX & XXXX XXXX
Consumer complaint received 2018-02-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (PA)

My husband is XXXX XXXX XXXX Veteran. We live in the state of Pennsylvania. We are Tax Exempt from paying Property Taxes since XX/XX/XXXX. We did a refinance several years ago with a Mortgage Company and then was bought out from another Mortgage Company. We have never had any problem with the Property Taxes being exempt for us since XX/XX/XXXX. We have been trying to get this solved with them since XX/XX/XXXX. We have forwarded them letters from the County Office of XXXX Assessment and Taxes. We have forwarded them letters from the VA XXXX Veteran Real Property Tax Exemption Certification. They have increased our mortgage payment from {$1600.00} to {$2000.00} which includes the property taxes to used from their Annual Escrow Account Statement from XX/XX/XXXX. We have been in contact with this Mortgage Company every month since XX/XX/XXXX. It is now XX/XX/XXXX and has not yet been solved. We pay our mortgage payment always on time and never late. I need help immediately regarding this matter.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MN)

Ally Bank seems to be in the middle of a software upgrade. During this time consumer accounts have been inaccessible for over 4 days and the company has made numerous false claims relating to money accessibility and account availability. Ally Bank made no communication attempts to consumers about their software upgrades, they have made no attempts to rectify the situation at all. 

Ally Bank is also a " online bank '' meaning they have no physical branches to make deposits into when their IT system is down or being upgraded. 

Ally Bank is incompetent as they pushed a major software update that affects consumers not only during business hours but over the course of, so far, 4 days. 

At this time Ally Bank consumers have no access to their accounts, no access to funds and no way to make deposits or access US Government payments such as treasury checks or payroll.
Consumer complaint received 2024-03-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I was given an Amex gift card for {$1000.00} through XXXX XXXX XXXXXXXX XXXX. I can not use this prepaid card anywhere. I try to buy groceries, gas, clothes, leisure activities and it declines at every place I go. I want my money pulled out of this useless card and mailed a check. Thank you
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Neither Equifax nor XXXX are allowing me to access my credit file. I can not dispute incorrect data. This is in violation of my rights under the FCRA. They do this everytime I file a complaint with the CFPB in what appears to be retaliation for complaining to the agency about them.
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Continental Finance Company, LLC (FL)

I was on a website the other night looking at information for a credit card from an ad that was supposed to be a " pre-approval ''. Once I realized that the company was going to do a hard pull on my credit report I backed out of the application. Some time later I received an email stating that I had a new inquiry on my credit report. 

Once I contacted the company directly from the information provided on my credit report ( XXXX/XXXX  XXXX, DE XXXX ( XXXX ) XXXX ), they claim that they can not remove the inquiry from my credit without stating it as " fraud ''. The rep I spoke to states that her supervisor informed her that they will have to investigate which will take up to 30 days but can not guarantee the inquiry will be removed. Again, I explained to her that I not someone else backed out of the application, that there should not have been an inquiry in the first place. 

The rep became short and advised " I just have to wait '' to see what her supervisor decides. If it was not " fraud '' then it has to stay on my credit. Further in conversation I again advised the rep that the application should have been deleted and not processed since I backed out of it. She informed that there was nothing else that could be done. This is unacceptable, since I backed out of the application before hitting the submit button. I 'd like to see this inquiry removed from my credit report expeditiously.
Consumer complaint received 2019-10-29
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)

I sent in a dispute along with a police report in XXXX to EquiFax that said the account they have listed for me was fraud. The account is XXXX XXXX # XXXX. This account is fraud and it should not be on my credit report. I sent in a 2nd police report in XXXX, it also came back verified. The same thing happened on XX/XX/XXXX I sent it a police report along with proper disputes thats said the XXXX XXXX Account is fraud. They verified it to be accurate. So I sent one with XXXX XXXX name and account number listed on the report in a XXXX attached the proper disputes and they verified it again as accurate. Meanwhile both XXXX and XXXX has removed the fraud account its been removed from their file as of XX/XX/2019. EquiFax keeps coming back saying its verified and Im wondering how is this possible if the account was fraud? Please help me, they are saying even with the police report I can not get the fraudulent account removed because XXXX XXXX keeps verifying the account. I thought they had to investigate beyond what XXXX XXXX is saying? This is not my account and I dont want to be responsible for paying it.
Consumer complaint received 2019-03-05
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)

I have submitted signed Identity theft affidavits and police reports to all 3 credit bureaus with all the accounts that were not mine as I attempt to put my financial life back together. XXXX and XXXX validated the said account to be FRADULENT, and the said account XXXX XXXX # XXXX was swiftly removed from XXXX and XXXX but Equifax continues to report the said account as if it belongs to me. This account is not mine ... I have never had any dealings with the said company and have made several attempts to get this resolved. I am in the process of taking this to the court system and suing for monetary damages. My credit score with XXXX is a XXXX ... XXXX is a XXXX, but Equifax is a XXXX ... huge differences and this shows that Equifax is reporting damaging, fraudulent account on in my file.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my XXXX XXXX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay.
When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}.
When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XXXX  and carried over into XXXX. When I called XXXX XXXX Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge.
Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me.
Warmest regards, XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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 2024-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC. (AZ)

I accepted a loan from Santander Consumer USA for a car loan on a used XXXX XXXX XXXX at the end of 2021.The ticket price was roughly {$17000.00}. The loan interest was extremely high, over 21 %. I was told by the sales associate at XXXX XXXX I would be able to refinance the loan in a few months after making some on time payments. When I went to go refinance said loan, they said my car had depreciated too much and I was not eligible for refinance. My current payoff amount as of today, XX/XX/XXXX is {$19000.00} which is more than the vehicle was worth at time of purchase 3 years ago! I can not fathom how I am now paying almost 3x as much as the car was worth when I bought it just in the interest payments with no financial options to negotiate a new loan agreement with a lower insterest rate. This can't be legal, and if it is something needs to change. I can't even use my car as a trade in because the XXXX XXXX XXXX trade in value is only $ XXXX which means I'd still owe $ XXXX! Can anything be done to help me litigate this with my loan servicer?
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MI)

I applied on Monday, XX/XX/2024 for the GM Business Credit card for my second business XXXX XXXX XXXX XXXX. I was prompted to upload my I.D and XXXX Letter. I provided both my I.D . and XXXX XXXX and received a denial stating that the company was " unable to verify my Identity information '' on XX/XX/2024. I called in and the rep stated to put in a new application and that the I.D should be clear. On XX/XX/XXXX, I put in a second application and received an offer and was prompted to upload my I.D . and XXXX letter again ; and I uploaded both. On XX/XX/2024 I was denied and this time the reason was " unable to verify business information ''. At this point I knew something was wrong because I uploaded the SAME EXACT DOCUMENTS. I called in and the rep stated to make sure everything was clear and that the information was the same and said reapply again. On XX/XX/XXXX, I applied again for the GM Business Credit card and received an offer and was prompted to upload my I.D and XXXX XXXX and I uploaded them again. Today, XX/XX/XXXX, I received a denial letter stating " unable to verify I.D information ''. Based on this information, I believe the company is not following fair lending practices and have not done their due diligence because I am submitting the same exact information, but is receiving different responses. I have provided screen shoots of each denial reason for XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (GA)

Id like to take issue with BBVA bank on their over draft fee policies. On XXXX XXXX XXXX I had {$44.00} in my account, I made a purchase of {$10.00}. On the XXXX I had {$33.00} and made a purchase of {$10.00}. On XXXX/XXXX/XXXX I made a purchase of {$7.00} bringing my account to {$26.00} but had a pending transaction of {$62.00} which would bring my account to - {$35.00} and an added {$38.00} for overages. Logically the transactions would be processed in the order made regardless of my {$62.00} pending transaction however I was charged overdraft fees 4x. 

I spoke with a representative at BBVA in their disputes dept on XXXX/XXXX/XXXX at approx XXXX est, and they said that the account had the pending {$62.00} dollar charge and because my balance was less than {$62.00} I had $ XXXX in my account at the time the first transactions were made which means that I would be charged {$110.00} in overdraft fees. I believe that this bank deliberately reorders transactions in order to jack up overage fees!
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Empowerment Ventures, LLC (MO)

On XX/XX/XXXX I filed a dispute for charges on my RUSH CARD account that i did n't authorized ( XXXX $ ), RUSH CARD said they will issue me credit until the investigation was conducted. Then 4 days later on the XXXX RUSH CARD closed my account i asked could i open up another one, because all my direct deposit are sent to my account. A supervisor said YES, that all i would need to do was mail in proof of my address, Social security card & drivers ID ( all my personal information ) so i faxed & emailed all my personal information on XX/XX/XXXX@ XXXX. after talking to 3 people including a manager, supervisor & sales rep they said i could n't open up account. Since giving them my personal info things have popped up on my cerdit repot ( so someone is using my ss number from RUSH CARD ) i still dont have my MONEY.