davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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: Sequium Asset Solutions, LLC (SC)

On XX/XX/2020, I submitted an online dispute with XXXX  because I received some communication that showed that I had an account in collections on my credit report. I called the collections company listed on my credit report ( Sequium Asset Solutions ) and the representative could not find any record of an account in my name in their system. I contacted the " alleged '' original creditor ( XXXX XXXX ) as well and they confirmed that there was no delinquent account in my name in their system. At that point I filed an online dispute. On XX/XX/XXXX, XXXX  sent me notification that my dispute was results were ready. Unfortunately the results stated that Sequium Asset Solutions verified that the information on my report was accurate. This can not be the case. Today, again, I contacted XXXX XXXX to again verify that I did not have a delinquent acccount in the amount of {$540.00}. This was verified. I then called Sequium Asset Solutions again. I spoke with 3 representatives. The first representative clearly could not find any account information for me, they hung up on me. The second representative could not find any account information for me either and put me on hold several times to get a supervisor. 
She then asked for a phone number for a supervisor to call me back. Hours passed and I never got a call from a supervisor. I called again and yet again, the third representative could not find any information for me either. She too kept putting me on hold with promises of getting a supervisor on the phone. Again I gave her my phone number. Again, no call from a supervisor. 

This account that has been attached to my XXXX  credit report clearly does not belong to me and Sequium Asset Solutions refuses to explain what information was sent to put this deliquent account on my report. XXXX  is telling me that the only way to get this removed is for Sequium notify them to remove it. However, based on my interactions with this company and attempts to resolve this, I suspect that it's practices may be fraudulent. I simply want this issue resolved by having this inaccurate information removed from my account and Sequium Asset Solutions is refusing to fully look into this situation, offer any information, or evaluate their own practices.
Consumer complaint received 2021-12-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NM)

I have been working to resolve misapplied through LoanCare 's Payment Research department for the past 5 months for our mortgage through XXXX XXXX XXXX. On XXXX XX/XX/XXXX, I submitted copies of checks going back to XX/XX/XXXX as proof of timely payments, but I have been asked 3 times for supporting docs. Each representative I speak to states Payment Research will get back with me after reviewing, but I have yet to hear, or receive correspondence from this department. The customer service rep that I spoke with the first week of XXXX could see that payments started to be misapplied in XXXX, but to give the company until XXXX XXXX to review. When I spoke today with service rep, my payments are still misapplied and he was unable to see specific checks that have been through the bank. We have requested to speak with the fraud department as well and these requests have been ignored.
Consumer complaint received 2021-03-01
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. (GA)

I have reported to Equifax and XXXX  that I have been a possible victim of Identity thief. I have recently pulled a copy of my credit report and notice multiple unauthorized inquiries on my report. I have contacted Equifax and XXXX  notifying the private company of the unauthorized inquiries. The company responded with inquiries are factual which is not true. I have asked Equifax to produce documents of such proof of inquiries in which the Company has not responded with such proof. I am demanding that Equifax remove the unauthorized inquiries from my credit report immediately.
Consumer complaint received 2018-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank recently completed a disastrous upgrade to their online banking. 

When I logged in to their updated website it showed incorrect contact information, specifically a XXXX area code phone number I previously requested be removed from my account over a year ago. 

I followed the process to update this phone number, but they sent a confirmation stating that my address has been changed. 

I spoke to a XXXX XXXX that told me this was just a generic message. However, I just got my most recent TD Bank statement dated XX/XX/2018 and the address has reverted to my old address. The XXXX phone number still appears from my account and they did not remove it as I had requested.
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a call from a student loan company about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 Please delete these items from my accounts as soon as possible.
Consumer complaint received 2016-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CSO Financial (CA)

CSO Financial sent me a debt collection notice on XX/XX/2016, claiming that I owe XXXX for " XXXX XXXX Overdraft & XXXX ''. 

I have never had an account at XXXX Bank, and I do not owe this debt.
Consumer complaint received 2017-07-24
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. (OK)

filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
Consumer complaint received 2018-02-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I am currently in a lower payment plan with Navient, but in a month that is going to change. It took me months last year to get into a lower payment plan with them, as they told me I did this with them once. I explained to them I have other loans and they are not the only ones. I do not make a lot of money to be able to pay a lot each month. I am not sure as to why I have such hard time with company, as I know many people do. I originally had XXXX who was alawys such a help, until they sold my loan to Navient and I wasn't aware until I received bills from Navient. Is this allowed with out my knowledge? Since XXXX is still servicing loans? If I would have know having private loans would be so difficult to maintain or receive help from I would have never have gotten any. The school financial aid department DO NOT explain anything to students. I was XXXX when I started going to college and I was never explain such information, other them getting student loans is a great thing, which clearly its not. I do not know how people going into school now will be able to afford going and paying off loans. If i would have known now what I know then I would have never have went to school. I know Navient has a law suit against them, is their anything with the law suit that will help me? and is there any resolution to the law suit?? Navient is not a help at all, I would advise people to NEVER have a private loan and NEVER with Navient as they DO NOT help anyone and can careless. I have had countless conversations even with supervisors who told me that it is what it is and they can careless if I can afford the payment or not. I have tried so hard to get help in assisting paying these loans and their is nothing they will help with. Their customer service department is horrible and they are so rude, I've even been hung up on and yelled at. Please get back to me. 
Thank you
Consumer complaint received 2017-07-24
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: Byrider Franchising, LLC (OH)

I authorized a hard inquiry from  XXXX    XXXX   XXXX   on  XX/XX/XXXX  for a car. I have notice that since then the same finance company continued to pull my credit report. This company has obtained my credit report  XXXX  more additional times without my permission, adding  XXXX  more hard inquiry 's.  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  were all unauthorized. Also, in addition to affecting my  credit score , this company obtained my information and addresses that were unknown to them with out my permission.
Consumer complaint received 2015-10-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WI)

I have a XXXX mortgage with Fifth Third Bank. I pay more than the min payment each month. I also send in a small payment after I make my primary payment for the month. I specifically write both on the memo line of my check and on the mortgage statement " principal only ''. Every time I do this Fifth Third Bank applies my extra payment to principal. I then have to go through the exercise every month of calling them and making them reverse it. I do n't understand why if the loan is current and the payment has been made that month I can not make a principal only payment.
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2018 at XXXX I recieved a call from Midland Credit ( XXXX ) XXXX. I was at work, so I ignored the call. They called me again at XXXX ( 2 minutes later ), I stepped away from my desk and answered the phone. They asked for my wife, XXXX XXXX, I asked the caller if she just called me, she said yes, I asked if she thought it was ok to do that, she did not answer. I've gotten calls regularly from this number, they ask for my wife XXXX XXXX, I tell them this is not her phone number, they proceed to ask for more information but I will not give them any info because they refuse to tell me what the call is regarding. I've asked them to stop calling me.
Consumer complaint received 2018-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

To Whom It May Concern : On XX/XX/XXXX between XXXX and XXXX XXXX ( XXXX XXXX EST ) my Bank of America debit card under the name, XXXX XXXX XXXX associated with the shared account ending in XXXX was stolen from my bag along with my XXXX  XXXX credit card and silver XXXX XXXX. 

My belongings were taken from my bag in the mens locker room of the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Upon discovering that both my access to cash and cell phone were gone, I returned home to report the cards and phone stolen on the respective banking and mobile carrier online portals. 

As evidenced by the below email, Bank of America acknowledged my choice to lock the card and to issue a new card associated with the account. Please note the language, Your old card will be deactivated immediately. Upon reading this and having a similar experience with my XXXX XXXX card, I had no reason to doubt this. However as we are all too familiar, this was not the case. The thief was able to withdraw nearly every penny from the account from shop locations in XXXX XXXX ( over 10 hours drive from XXXX ). 

My family and I had departed from the United States to XXXX on the XXXX of XX/XX/XXXX. I alerted Bank of America to our travel plans via the mobile application. The last transactions related either to myself or to XXXX XXXX ( primary account holder ) were fees associated with a withdrawal on the XXXX of XXXX in XXXX. The final account balance stood at {$4100.00} as of XX/XX/XXXX. The thief made all subsequent transactions in the metropolitan area of XXXX, XXXX. 

In regards to the frankly offensive and unfounded accusations that either an accomplice or I were using a PIN to make transactions ; there is a complete lack of understanding of XXXX consumer finance practices. Sign-less, PIN-less transactions under {$100.00} XXXX can be made at most retailers and larger trusted retailers ( i.e. XXXX, XXXX  ) are exceptions where the limit is up to {$200.00} XXXX. 

I received a new XXXX XXXX card and XXXX with no issue the following week. This is in stark contrast to the appalling level of ineptitude by Bank of America to protect the funds of a joint account for two customers since XXXX. We require a refund of our lost debit account funds ( {$4100.00} ). 

I faxed the above statement to Bank of America ( fax attached to this complaint ) on the XXXX of XXXX and have not received an acknowledgement or a response. The year is XXXX and I am faxing material to one of the largest banks in the country. Surely, I am living in a XXXX novel because this does not seem to be the most efficient manner to deal with the issue at hand. 

We look forward to your help in coming to a quick resolution for this matter. 

Best regards, XXXX and XXXX XXXX
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

Discover Bank is reporting a balance of {$280.00} on a closed credit car account. How can there be a balance on a closed account? The account was paid off years ago and this information they are reporting is inaccurate.
Consumer complaint received 2017-07-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (CT)

I financed a car through Westlake Financial. I continued to make payments through this company and had to file BK due to illness. WE offered to reaffirm vehicle, received no response.Continued to make payments. Company reported our account as discharged in BK with a XXXX  balance. We requested our title and were sent several letters that it would be forthcoming. In XXXX of 2015 we came home to a repo in process. In CT, you must by law sent a letter of intent and did not. We tried to clear up the issues and called many times during XXXX, XXXX and XXXX. We were treated rudely, often in a derogatory manner, were cursed at and threatened. I have recorded conversations with the bank. We were never given the opportunity to discuss cure of any default and we lost our property. I want monetary reimbursement for the trauma and deceptive practices along with clear FDCPA violations.
Consumer complaint received 2021-10-05
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)

Lenders are not able to pull my credit from Equifax. I have spoken to them by phone 8 times in the last thirty days. Two lender were unable to get my Equifax credit score. I contacted Equifax and they advised there is no hold or freeze on my account. I faxed them all the information to verify my address and name. Call them on the phone is no help they just repeat the same thing. 

Equifax is ruining my life. I need a loan to get my work truck fixed so I can earn income. Yesterday XX/XX/2021. I received mail from Equifax saying there is no fraud alert or active freeze on my account. so why cant lenders pull my Equifax credit?? They don't care. If you ask to speak to a manager they put you on hold for 45 minutes. I would like to file a complaint. Attached is a copy of they letter they sent me. If I don't get this cleared up I will lose my business. 

XXXX XXXX XXXX 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. (KY)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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 2021-10-05
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: EQUIFAX, INC. (MI)

The accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (VA)

On XXXX XX/XX/2020 my account was sold to a collection agency this would be my second account they sold to a collection agency. My concern is during an medical emergency they agreed to place both accounts into a their Hardship Program with set payments after paying over {$3000.00} on each account a total of {$6000.00}. Unfortunately the Hardship Account Manager did not explain to me the program was aging my account from the first 30 day delinquency! I believe a Hardship Program should start on the day you signed the new terms and agreement as the reset date. Every month I would call in my payment to an account manager and never was I told that my accounts were approaching 120 day Charge Off! This is very poor business practice especially during a Pandemic to just Close Accounts and sell them pennies on the dollar and create additional stress with a very ill wife dealing with a collection company! The collection companies are predatory on their collection tactics to include providing Validation of Debt to include properly leaving an appropriate voice message but rather hang up or playing the I Got You Game! As a 40 year XXXX employee paying my bills and was never going anywhere! Shame to treat a good paying customer this way during a hardship situation. Reminder please check your records I paid over XXXX and paid off the accounts in the past! Made a lot of money off this card holder for sure!!
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX Account Number XXXX RESPONSE TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Consumer complaint received 2018-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (PA)

I met all of the requirements for a {$200.00} bonus to be added to my account which was not posted in the advertised time frame. Specifically, a deposit from my employer exceeding {$300.00} was posted on XX/XX/17. The bonus was supposed to be posted within 60 days of this event. After 71 days I reached out to support. Support took over a week to respond and did not resolve my issue.