davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I called my mortgage company about what was needed to remove pmi and I was told that my loan to valu ratio needed to be below 80 % for pmi to be removed. I then scheduled an appraisal through Roundpoont Mortgage ( my lender ). The appraisal came back at 79.5 % but the pmi removal was rejected for reason that the loan to value needed to be at 75 % or below. This was obviously different that I was originally told so I called and a manager listened to the call recordings and she confirmed that I was misinformed but they still would not honor the pmi removal. I feel that this issue was unfair to the consumer and that the pmi should be removed.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XXXX 2016, I called my credit card provider, XXXX. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$230000.00}, which is about the same has it has been for the past XXXX3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$35000.00}. The woman either did not hear me or made a typo in submitting the request, leaving {$200000.00} off our annual income. This is solely based on XXXX error. I have repeatedly contacted XXXX about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest XXXX ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably XXXX ' mistake, and XXXX refuses to do anything?!?
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Commonwealth Financial Systems, Inc. (FL)

For the record XXXX XXXX!! I am not Mr . XXXX!! The statement you sent me with a balance and a hospital name IS NOT VALIDATING A DEBT! HOW YOU ARE A LEGAL COMPLIANCE ADMIN AND DONT KNOW THIS??? You did not send me an itemized bill and an itemized bill is NOT A VALIDATION! This debt does not belong to me and needs to be removed! Commonwealth HAS NO VALIDATION that it does! I have a RIGHT to force this debt collector to prove sufficient validation that I owe this debt. Debt validation is MY federal right granted under the Fair Debt Collection Practices Act. If a debt collector can not verify a debt with sufficient proof they can not collect from me and can not list the debt on my credit report. I have attached what commonwealth has sent to me THIS IS PROOF COMMONWEALTH CAN NOT VALIDATE THIS DEBT, AND IT NEEDS TO BE REMOVED! Or I will take the next step to seek payment for damages and them violating the Fair Debt Collection Practices Act. I am not and will not pay this debt! AND ITEMIZED BILL IS NOT VALIDATION. WHERE IS MY SIGNATURE? ANYONE CAN TYPE UP A DEBT AND ADD A NAME AND BALANCE. Remove this from my credit as it should, or send REAL VALIDATION! I HAVE RECORD THAT YOU REPORTED THIS ON MY REPORT XX/XX/2019 I FILLED A COMPLAINT HERE XX/XX/2019 LISTING AN ADDRESS IT WAS NOT UNTIL THEN YOU SENT A LETTER, YOU SHOULD HAVE SENT THE LETTER PRIOR TO ADDING TO MY REPROT, HARASSING ME AND XXXX UP MY CREDIT FOR UNDER {$100.00} FOR SOME XXXX XXXX THAT'S NOT MINE! I WILL SEE YOU IN COURT! WHATS ATTACHED IS NOT VALIDATION!
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY (NY)

Almost 1 year ago I purchased furniture on credit card XXXX ( TD Bank NA ) .Account number is XXXX. XXXX/XXXX/2016 I made the last payment XXXX , after this payment my account balance became XXXX . At XXXX/XXXX/2016 I called to costumer service by number XXXX, spoke with representative XXXX at XXXX and closed account. 
After, I received e-mail that informed me that I have to pay {$700.00} interest at XXXX/XXXX/2016. But at that time my account was fully paid off and closed, and I did not have to pay any interest, because I had no interest charge for this account for 1 year. 
This is attachment from what I see for today : Trans. Date Post Date Ref. Number Description Plan ID Amount XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX BILLED DEFERRED INTEREST CHARGES ON PURC XXXX XXXX
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have noticed a lot of inquires on, y credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted transunion and XXXX and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

Someone hacked my PayPal account and sent three separate payments of {$1000.00} I disputed this with PayPal and they denied my claim and the reason stated is that that this transaction is consistent with my PayPal history. Then they sent me a email on XX/XX/2023 saying the dispute was in my favor but I still havent received my money back and they said I would have it within 5 days. I contacted them multiple times now they telling me to go through bank and do a charge back. 

Dispute case ID XXXX XXXX XXXX {$1000.00} USD Dispute case ID XXXX Dispute amount {$1000.00} USD Dispute case ID XXXX Dispute amount {$1000.00} USD
Consumer complaint received 2016-09-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (CO)

I went into the bank, closed my checking account and told the teller, branch manager and a service rep that I intended to stop the autodebit i had to pay our 2nd and 3rd mortgage. I asked for a new auto debit form and since i didnt have a check on me we couldnt set up the new debit. I told him that in reality you just need signed auth for a recurring ach debit because a prenote would verify the info before actual payment is mafe. The branch manager told me he still couldnt do it. I called later agter i got a check the XXXX branch and the XXXX branch for a form without resolve. I then stopped back into thr XXXX branch where they couldnt set up the ach and then the teller told me the autodebit caused the account to teopen and then charge my account XXXX fees plus one of the payments posted. The teller couldnt help me. I emailed the banks helpline and they didnt help me. I stopped into the XXXX branch 3days ago snd still have not gotten resolve. I got s call from the nranch manager to which i missed and hVe called her back 5 times and email ed her once. Her voicemail says not to leave a m ssage. Aside from breaking nacha rules this is extremely deceptive. I just want it corrected so i can pay my mortgages.
Consumer complaint received 2024-02-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft and did not benefit from any financial gain.I am disputing inaccurate information on my credit report resulting from identity theft. Please remove the following false entry : XXXX XXXX XXXX
Consumer complaint received 2017-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This company claims that I owe them {$980.00} which I do not owe to them. I never received good or services from them nor did I sign a contract with them. They are trying to extort money from me and unlawfully reporting negative information on my credit report as of XXXX. I spoke to the supervisor who also stated and agreed that I do not have an acct with them. I have no contract with this company nor do I know who this company is. This is harassment and their tactics are unlawful.
Consumer complaint received 2017-05-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance America, Cash Advance Centers, Inc. (SC)

I was called on  XXXX   XXXX ,  XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution  Cash Advance  and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX     told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by  Cash Advance . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their  XXXX  company on my bank statement known as  XXXX   XXXX   XXXX . I contacted them on  XXXX   XXXX ,  XXXX  and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from   XXXX   XXXX   and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted    XXXX   XXXX    and the agent  XXXX   XXXX  contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of  Advance America  who bought out  Cash Advance . They said they sold the debt to a collection agency who went out of business in  XXXX . My small debt was   XXXX  years old . They also advised me to contact the  XXXX , FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from  XXXX   XXXX   XXXX . Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Recovery Management (AL)

I have asked Fox Collection Center to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a hard credit inquiry on my credit from XXXX. I found out it is from XXXX. I never applied for a card and this is causing a negative effect on my credit. What do I do to have it removed.
Consumer complaint received 2016-11-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have contacted this agency for validation regarding XXXX debts that they claim I owe in the amounts of {$460.00} and {$480.00}. I have no knowledge of these accounts and they both have been disputed. To date they have only sent bill statements and nothing more and have done this twice claiming that was how they validated the account. XXXX is not acceptable for me. I am requesting that they send proof that I am indeed who they are saying owes this debt by sending a contract or agreement with my signature rather than a bill.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (MS)

This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They updated after 60 days as transferred or sold. However, they never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (SC)

The Credit Card and checking account was opened in XX/XX/XXXX for my mother. I only had a P.O.A. that says no financial gains. A contract was issued in my mothers name ( Not Mine ). It was under my mothers name as card holder and I would have to use her date of birth and social security to access the account. In XX/XX/XXXX Wells Fargo on there own changed the account which was in there best interest. XX/XX/XXXX my mother pasted away and the accounts were to be closed. Wells Fargo again change the account to my name with out my knowledge and now expects me to pay the account off. 
I have asked for a copy of the contract showing my name on it but was told " Because we remove banking records and history according to guidelines the application is no longer available for review ''. This is not acceptable and the account should be removed from my records. Instead they have reported several months late to the credit bureaus and have destroyed my credit rating.
Consumer complaint received 2020-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

To whom may concern, I purchased a XXXX XXXX from XXXX in XXXX. My finance company was Santander Consumer USA. Santander repossessed my car. Santander Consumer USA approved me for financing in XX/XX/XXXX for a vehicle I purchased from XXXX. I had the vehicle from XX/XX/XXXX to XXXX of XXXX. Santander Consumer USA repossessed my vehicle without notice. When I contacted Santander, I was told that they were unable to verify my employment and that they could not verify the company in which I provided during the purchase of the vehicle. Santander USA never once tried to reach out to me to inquire about my employment. I never received a letter, phone call, message or call to my references. They just abruptly came and took my car from my home with out requesting proof of employment. My payments on my vehicle was current. As of today, Santander Consumer USA has placed this balance on my credit file as if I haven't been paying them. Do they really expect me to pay for a vehicle they chose to repossess when my payments were current and due to them not being able to verify my employment??? Santander Consumer USA has failed to provide me with documentation of their findings as to why they made the decision to take my car although the payments were getting made on time. Santander needs to remove this balance from credit file as I plan to seek legal action against them as they have unlawfully and illegally took my car when I was clearly paying for the car. I have provided you a screen shot of my credit report showing I had no late payments until they took my vehicle. I also am requesting where in my contract does it state my vehicle can be taken if they can't verify my employment. They are showing on my credit file that I've never made a payment which is false!!! This company is a horrible company to ever do business with.!!!
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had money withdrawn fradually by someone 30 minutes away while I still had my unemployment debit card in my wallet. Someone took out XXXX dollars out of my account and I reported it to Bank of America. They did not conduct an investigation and immediately closed the claim without due diligence. 

The money was taken out of my account on the XXXX of XXXX. I made a claim on the XXXX of XXXX, and I received a letter dated XX/XX/XXXX that my case was closed.
Consumer complaint received 2015-10-30
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (IL)

Summary : we agreed on a $ XXXX/ month payment for 36 months and XXXX miles/year on a leased vehicle from XXXX XXXX ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX , IN XXXX. After we agreed on the price of the vehicle and 36 month terms, the salesperson XXXX XXXX came to us and said they made an error and did n't figure in the correct amount of sales tax and the new total with tire protection would be {$540.00} per month. I authorized the deal. 
Problem : The terms changed after we agreed on the deal, Fraud & Deception. We later leaned that a document for 48 months on XXXX page and 36 months referenced in another section ( attached ). we 've made several calls and have written several notes and have not received a response resolving this fraudulent action. When we initially discussed it with XXXX ( salesperson ) and the Finance Mgr. we were informed that there were XXXX options presented, XXXX for 36 mo and XXXX for 48 mo tosign. This is not true. 48 months was never discussed or part of the terms. We would have never agreed to 48 month terms. We are requesting the following:1 ) the correct terms of 36 months be applied to the lease, or2 ) Return the vehicle and terminate the lease. 
Thank you for assisting in the resolution of this matter.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

Again probably for the XXXX time I contacted experian via internet to dispute wrong information on my credit report. The system would not let me do it as I previously disputed it. I called experian again and was told that they can not re-dispute the incorrect information for me. I sent in to experian a letter directly from XXXX who holds the XXXX accounts I am complaining about and trying to get corrected. I was told that I need to contact XXXX again and get a more detailed letter stating that these accounts were never paid late. The XXXX accounts are XXXX XXXX 's. They corrected XXXX and put that account in the satisfactory as it should be but did not and will not fix XXXX and XXXX account. This makes no sense to me as I personally spoke with XXXX to review all XXXX accounts they hold and they e-mailed me seperate letters for each account stating the information that experian is reporting is incorrect and should be corrected. I was never late on these charge cards and I have standard proof. Now they will not re-dispute it for me and the proof I sent in they are not accepting. How can it get more explanatory when the letter came directly from the bank. I have been putting so much time and effort into getting this corrected and now i 'm told they will not re-dispute it and want me to contact XXXX to get another detailed letter before they will re-dispute it. This is ridicilous.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have disputed account XXXX with Equifax several times. I have not had any success with getting this account removed from my credit file. This is not my account. I do n't know where this account come from. I was a victim of identity theft more than a year ago.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

My dates of enrollment were incorrect- I was listed as being " in grace period '', when I was actually enrolled in school at least part-time. This caused my subsidized student loans to accrue interest when they were not supposed to, so I contacted the school I was attending in Fall XX/XX/XXXX- the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) & had them fax the info to XXXX at Navient. I had already paid off a few of the loans that the interest was wrong on, so Navient is having to go back & retroactively adjust the amount of interest on the loans in question. I have received notification from Navient back in XX/XX/XXXX that they had received the info from XXXX & that as a result, my dates of enrollment have been adjusted. I called On XX/XX/XXXX, & spoke to XXXX XXXX ( employee # XXXX ) & requested that the amount taken off of my loans as a result of the correction be sent to me in writing. She informed me that a customer service advocate would send the info to me, but that it would take 5-10 business days. I again requested that the amount that was deducted from my balance due to my dates of enrollment being adjusted be sent to me in writing during another phone conversation with XXXX ( employee # XXXX ) on XX/XX/XXXX. I received an email from a customer advocate named XXXX on XX/XX/XXXX & again, I requested the info. Today, I sent her another email- requesting the information for the 4th time ( this is the 2nd time I have made a written request- the other times were verbally over the phone. ) It has been a month since I have been trying to have this information sent to me in writing, but they have ignored my requests.