davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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. (TX)

XXXX XXXX ( XXXX credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to XXXX XXXX which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. 

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2018-09-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group (IN)

Received a phone call on my company cell from what appeared to be a local number. 
When I answered the call they wanted to know if I was " my name '' with a birth date of xx-xx-xxxx and the last 4 of my ssn was xxxx. 
I asked who they were and what the call was about. The caller refused to tell me who they were with out me verifying my personal information, so I promptly told them this was a scam and goodbye. 
The caller then called my company cell phone from a NY number and then called my company work phone from a third number. Harassing me to answer the questions. 
I only answered that I was the person they were asking for and explained if they had just told me who they were in the beginning, I would have not hung up. 
The caller proceeded to tell me about a alleged debt in my name and provided 3 different source names for the original debtor, then proceeded to ask me to take care of the debt today, when I told them that was not possible and I would need something in the mail and wanted to verify the debt, the caller became very angry and said I owe this debt and should pay it. The caller asked if I could make payment arrangements and I said again, once you mail me the proof of the debt and if I verify the debt is valid then I will make payment arrangements. The caller proceeded again to ask me if I had the funds to take of this today in a harassing and rude manner. 
The caller then tried to verify my email address, the first one the caller noted was not mine, however the second one was.  I verified the second email address and the caller stated they would email me the notice and NOT mail it to me. 
I still have not been provided with the proof. 
The caller sent me the email and said I had 24 hours to decide and they would call me again.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

I applied for a mortgage refinance on XX/XX/XXXX with TD bank. 
It is now XX/XX/XXXX and TD have not closed on the refinance. 

I believe TD have deliberately extended the timelines at every step of the refi process to avoid closing on my mortgage, knowing that if we miss the close date they will increase the rate offered to me. 

TD have charged me over {$1500.00} in fees now and still can not tell me when or if we will close. 

They have been very slow in following up on paperwork, with weeks going by without any progress. They have been very unclear with me and my condo management about what they needed us to send them to approve the loan. My condo board had multiple email exchanges where the representative from TD was unable to explain clearly what she needed from us to underwrite the loan. 

The appraisal costs I was quoted were incorrect and jumped up from the amount the quoted me initially ( {$520.00} ) to {$800.00}. I was told that was because I live in a condo. 

I was told I had to pay their fees but it then turns out they have not yet been able to approve my condo for lending. I found this is strange as TD have confirmed they already lend to other condos in my building. 

I believe these delays have been 100 % preventable and it is in TD 's interests not to close during the rate lock period as their rates have increased since we started this process in XXXX. They stand to make a lot more money from me if they let the rate lock expire. 

I raised a complaint with TD on XX/XX/XXXX. They have not responded to my complaint or taken any action to address the delays. I followed up on that complaint today and it is now clear they do not intend to take any action to close the mortgage before the rate expires.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

on XX/XX/XXXX XXXX withdrawals were made from our account one for {$2700.00} and one for {$1300.00}, the name on our bank statement is XXXX XXXX XXXX for both withdrawals, saw that this was done when checking bank account on XX/XX/XXXX at XXXX XXXX  called Bank of America and notified them they canceled the debit card and have issued new card
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (TX)

I hired someone to prepare my taxes who Ive known for a decade. She worked at liberty tax and XXXX XXXX. Instead of sending the funds to my bank account she opened a fraudulent account using my information through Chime. The IRS posted the refund to this fraudulent chime account and the money was transferred/spent in 24 hours. I have text messages, XXXX messages as well as a recorded phone call where she admits to do this. Chime has been absolutely horrible in fixing this. They allowed an account to be opened with no identification and shipped a card to an address Ive never lived at 300 miles from my current residence. Chimes response was to close the account to protect me when the account was dormant and- {$4.00}. The damage was done. By chime closing the account I lose access to vital information. Now when I call they stonewall any attempt to provide me any information stating the account is closed. Chime has one customer service number which now that Im a closed account they transfer me and refuse to help. Chime has deleted my posts on XXXX calling them out for their part in this. Chime has a responsibility to verify the customer if they arent providing an ID. Had chime done due diligence on their customer this situation could have been stopped. Instead chime allowed it to happen and have done nothing to assist me in providing information licensed police officers are asking for.
Consumer complaint received 2019-11-04
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. (CO)

On XX/XX/XXXX, Equifax took 35 points away from my credit score for XXXX XXXX trying to collect something they shouldn't have. XXXX and XXXX  removed them from my credit report, after I disputed but Equifax did not. Equifax only closed this account. I never paid or owed them as I paid the original creditor XXXX XXXX XXXX. This seriously effected my credit score, so I contacted Equifax on XX/XX/XXXX. The lady I spoke with was clearly not hearing me, talking about there score model and other factors. I stated there are no other factors for XX/XX/XXXX, XXXX XXXX was the only factor and if you took away 35 points, why haven't I gotten my points back. They were never supposed to be on my credit report, hence XXXX  and XXXX  removing them and giving me my points back. I am writing this complaint because Equifax is not reporting correctly and it is causing me harm. I asked them to fix this and they are not willing to do so. Furthermore, there have been countless complaints against XXXX XXXX and I believe they should either be sued, shut down or both.
Consumer complaint received 2019-11-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Kashable LLC (MD)

On XX/XX/31 I applied for a loan with Kashable. After applying and pulling my credit report Kashable advised that I had been approved for a loan paid through payroll allotment. I was asked to submit 3 months of banking statements, a copy of my photo id, a copy of my social security card, proof that I set up an allotment to pay the loan, and a utility bill. Subsequently AFTER SETTING UP AN ALLOTMENT that I can longer cancel. I was advised the loan was denied. Kashable is on social media and has reviews of other customers who by virtue of photographs appear to be in their XXXX, XXXX and early XXXX. I believe that Im being discriminated against based upon my age.
Consumer complaint received 2019-11-04
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: CITIBANK, N.A. (NY)

Hi I went to a local bar on the evening of XX/XX/XXXX and made two separate transactions for drinks in which i even recall signing for in the estimated amounts of $ XXXX {$40.00} & $ XXXX {$50.00} for each transaction. The next morning I realized my card was missing from my posession and than noticed on my citi app there were multiple transactions of {$200.00}, {$380.00}, {$35.00}, and there was also a {$40.00} something charge that is no longer on the account for whatever reason. I only authorized and signed for 2 transactions which im only aware of around {$30.00} & {$40.00} amounts. I immediately called citicards to dispute this, the investigation went on until i recieved notice today XX/XX/2019 that my dispute was rejected and I owe all the amounts. Very poor security with there cards and service. They should be embarrassed of themselves that ive been a client for around 15  years with several different accounts, loans, financials, etc & through the years a few minor disputes that always resolved because im truthful. Well in this case they do not want to help secure my dispute and feel completely betrayed by the banking repationship ive had with citibank for so many years. This is disgusting on every level, they should be ashamed of themselves.
Consumer complaint received 2019-11-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I was behind two payments and asked for a loan modification. A modification plan was set in place and I met the agreement plan. I was told that after the period of the loan modification the new agreed payments would be my new mortgage payment for the 16 year term of the loan The modification was made with Ocwen Loan Service. In the interim my mortgage was passed on to a subsidiary PHH Loan Services.  They disregarded the new modification and sent a new proposal amortized my principle to forty years and a balloon payment of XXXX at the end of my 16  year term. I told them that I would not accept those terms and that I rather keep the modification agreed upon with Ocwen. I have been making payments but the debt collectors said if I did not agree to sign the balloon agreement then they would reject my payments and then force us into foreclosure
Consumer complaint received 2017-08-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC (MN)

We called Low VA Rates to refinance our mortgage for a lower rate. In XXXX 2017 Low VA Rates requested a pay off from XXXX XXXX. The cost was {$30.00} that was to be paid to XXXX XXXX by Low VA Rates. This was not done. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. Now we have {$90.00} added to our Mortgage payment each month until Low VA Rates pays the money to XXXX XXXX to pay this off. According to Low VA Rates we are to pay this, but we did n't request the pay off Low VA Rates did. We hope you can help us. Husband is the Veteran.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (PA)

My account is suspended at the moment. I have recently tried to get it in good standing and making payments to pay off the balance. I was told that there is no guarantee that the suspension will come off once paid. I asked, is this written anywhere that speaks about this and was told no. It is worded differently to cover that. I stated that it should be written somewhere as a disclaimer. I stated that it is very misleading to send emails saying, " let us help you get your account up to date ''. This would lead one to believe, once balance is paid, your account will be unsuspended. It doesn't state otherwise.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (OH)

Found business banking, I was contacted by text stating that there was a unusual charge asking if i authorized it, i replied no. then i got a call from my banking institution, or so I thought, It was their phone number and the person had already had access to all my transaction history even a recent one that was 15mins prior, so I had no reason not to think it wasnt my bank, then i was put on hold and call dropped, i then called back and was told that it was a scam, and froze my account and filed a dispute, but now that RIsk team refuses to do anything about it to help me and says it was my fault?! it is their responsibility to keep our accounts safe!!
Consumer complaint received 2024-05-16
Product: Credit 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 (MI)

I bought a guitar from a website called XXXX XXXX on XX/XX/2024 for XXXX on my Apple Card. It took about XXXX XXXX weeks to arrive to my house and when it got here, I noticed a few problems that I had with it that may have to be fixed. The input jack that you plug the cable into was very tight and thats an issue because after a while it could strip out the electronics inside of it, and there was no way for me to try bend the prongs back and pickups would either just go in and out or just not work. So I contacted the seller and told him about the issues I was having and he did not once acknowledge the actual issue I was having, but just continue to dodge my questions and my concerns. He was just telling me that this was not the real actual guitar that you would buy, and I knew that going into it, but I was not expecting to get a guitar that was defective and needed a set up and repair before I could even actually play it. But again, he just dodged all my questions when I asked for either a return or a partial refund
Consumer complaint received 2022-07-20
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: SHABANA MOTORS (TX)

I have several accounts on my credit report that do not belong to me. I have been fighting this for months. 

These following accounts are not mine : Shabana XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. I have reached out to the creditors but I have not received any help.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, the following accounts and inquiries has violated my rights. 

DEPT OF EDUCATIONXXXX Educational -Account # XXXX DEPT OF EDUCATION/XXXX  Educational -Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  -Account # XXXX The inquiry was not authorized XXXX XXXX XXXXR The inquiry was not authorized XXXX  XXXX XXXX The inquiry was not authorized XXXX XXXX The following personal information is incorrect Former : XXXX XXXX XXXX The following personal information is incorrect Also Known XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX NJ XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX TX XXXX The following personal information is incorrect Employers : XXXX XXXX The inquiry was not authorized XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX  The inquiry was not authorized XXXX  The inquiry was not authorized XXXX The inquiry was not authorized XXXX/XXXX  The inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX, XXXX XXXX 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 2020-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (MD)

Today on XX/XX/XXXX, Suntrust took it upon theirselves to force close my account. Ive tried everything in my power to try and figure out what they are closing it for. They have no type of answer for me except that my account will be closed and remaining funds will be sent to me via paper check in the next 25 days. This is of great inconvenience to me because I received my direct deposit today from my employer and have no way of accessing these funds. I will be behind on rent because of this and most likely will struggle to get groceries until Im able to get paid again. I dont know how this is possible in the middle of a pandemic but I guess this doesnt matter to them, Im just looking for the best solution because I can not wait for them to release these funds that would put me at a great disadvantage and I do not want to penalized for something that is far out of my control.
Consumer complaint received 2020-05-23
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. (GA)

Equifax did not properly investigate my credit dispute. I sent them all the required documentation. The letter they sent to me states that the information was verified but they did not include the manner in which they verified the information, which I asked for in my dispute.
Consumer complaint received 2019-11-04
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 (FL)

When opening my TD Bank checking account the banker that was helping me out signing paperwork misinformed me about td debit card advance and fees associated with the service and tolled me we will not charge a fee for purchases that overdraft the account by {$5.00} or less and you can continue to overdraft under {$5.00} and we still will not charge you a fee unless transaction goes over {$5.00} With that information given I went ahead and used my debit card a week later to overdraft I knew the amount of the purchase was way above XXXX dollars and so I would be charged {$35.00} i was fine with that because Payday is coming up, then I make some more purchases on my account less than {$5.00} and Im geting charged {$35.00} Per each transaction that overdrawn me more and td bank would not refund me, this is insane! Almost {$250.00} overdrafted! And I only was overdrawn $ XXXX dollars!!!!!
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I am having trouble with my online account with PennyMac. I cant reach anyone to solve the issue. Endless hold times, and inoperable website. I cant even pay them what I owe them! Very, very, very, poor customer service!!!
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.