davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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)

Consistently having trouble with TransUnion when applying for credit. My XXXX  credit score is XXXX, XXXX XXXX, however TransUnion is XXXX and lenders are all depriving me of better rates due to TransUnion.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CO)

Target RedCard/TD Bank continues to incorrectly report 30 day past due payments that are not 30 days past due. Target reported a 30 day past due payment for XXXX when a payment was made on XX/XX/XXXX that satisfied the past due amount. This would have been before 30 days past due. Target also reported a 30 day past due payment for the month of XXXX which I was assured would be corrected by phone representative XXXX when I contacted Target directly on XX/XX/2022, yet never was even when a dispute was filed with credit reporting agencies. I continue to pay the amounts listed on the provided statements from Target but they consistently provide incorrect reports contrary to what is provided on their statements.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NV)

I have disputed several times several public records listed on my personal credit file with Equifax. There are inaccurate remarks and even duplication 's. I ca n't get anywhere with this agency. Please help as they are listing # XXXX tax lien for {$80000.00}, # XXXX tax lien again for {$80000.00}, # XXXX {$1700.00} and # XXXX tax lien XXXX I do not owe any tax liens and these are a mistakes listed. Please help
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America posted a balance overnight after midnight and automatically charged me an over draft fee. Their policy is you have 24 hours to rectify the situation and they ripped me off. I contacted XXXX managers who XXXX told me normally the policy is to allow consumers 24 hours to put the funds in. They were both extremely rude and condescending. They ripped me off and then gave me an attitude. I want my overdraft fee returned.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

On or about XX/XX/20 I contacted American Express to enroll in their program to transition my balance to an installment loan. The Covid 19 pandemic made it impossible to pay the entire balance off, due to my business being temporarily closed. The agreement that was made stated that the balance would be paid over 3 years at {$440.00} per month. This amount includes an agreed upon interest rate that is according to the fair market conditions. I specifically asked if this would be reflected in my credit report and was told that the payments and balance would reflect on my report ( s ). 
On XX/XX/20 I applied for a rental lease agreement and was denied specifically for a large collection account from American Express. Unbeknownst to me American Express had turned my account into a collection and not applied the two payments I had made according to the new agreement. 
American Express is charging off my account and then accepting payments on the balance with interest, and NOT reporting this to my reports. This is fraud in my opinion. Please investigate this, I am in dire need of help. I can not rent with this on my report and my be homeless in 6 weeks. PLEASE HELP.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (RI)

In XX/XX/XXXX I discovered a Collection Agency " State Collection " on my credit report ( XXXX ) claiming funds on behalf of XXXX XXXX XXXX. I contacted the Collection Agency XXXX XXXX / Supervisor ) to let them know my account is and has been paid in full since XX/XX/XXXX. XXXX told me this account would go to their " Client Services " for review. I also contacted XXXX XXXX XXXX ( XXXX ) to clarify this claimed account, and it was verified any debt ( s ) have been paid in full. I was told by XXXX XXXX XXXX to call State Collections back to let them know it was verified the account was paid in full, and they do not understand why I was submitted. Since then, this claim has not been removed from my credit report. I called State Collection again today ( XXXX ) and spoke with XXXX, and this time she gave me XXXX stories. The first story was they sent me an itemized bill on XX/XX/XXXX ( not received ) then she changed her story telling me they contacted XXXX XXXX XXXX but received no documentation from them. I immediately called XXXX XXXX XXXX back and spoke with XXXX, and she again verified I owe nothing to the hospital, and they DO NOT conduct any business with " State Collection '' and do not understand why they would be making this claim. I am at a loss of what to do now. I am not getting any results from either claimant.. Please advise ...
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I currently am in review for a loan modification with my mortgage company " Select Portfolio Servicing ''. I also have a foreclosure sale date scheduled on XXXX/XXXX/15 and need help getting is pushed back. All information has been provided to SPS but they still have not pushed the sale back and I am in jeopardy of losing my home to foreclosure. Please help me in any way possible to ensure the sale doesnt take place.
Consumer complaint received 2015-03-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: POPULAR BANK (MO)

I was contacted by ELoan.They would give me a loan for any amount.All I had to do was get a XXXX card for {$170.00}. Then they would deposit the money into my account within 30 minutes. That was 3weeks ago. They called back and said they trouble putting the money in my account. My bank would not except the amount. So they called back again and told me to get a money gram for {$250.00}. Then they would give me back the money in a money gram and a cashier check. I called them back the next day to find out what happen and they said it expired and I would have to get another money gram again for {$250.00} and was so made and I said I could n't they said it will be a XXXX mintues again. So stupid me did will they said they money gram had technial difficultes and would call me the next day at XXXX. That did not happen at all. Now they wanted a {$380.00} to get my credeit score up to XXXX. If I did't pay that they would have it freezed by FCC. I did not have the money and I jut want my {$690.00} back into my bank account that they have.. i just live paycheck to pay check.Here is the Number of the XXXX I have not signed a thing with them it as all been on the phone Please help me XXXX XXXX XXXX
Consumer complaint received 2022-02-08
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. (MS)

After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. DP OF EDUC is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX  to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with XXXX, XXXX, and Equifax about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (LA)

I was exploring cheaper auto loans. I found that I qualified for a 4.5 % auto loan through XXXX XXXX. So I refinanced my car loan which I had with Chase Bank for 7.58 %. XXXX XXXX paid off my account with Chase Bank on XXXX/XXXX/XXXX. Chase Bank then closed my account on XXXX/XXXX/XXXX. I had previously set up an online payment to Chase Bank for {$330.00} from my local bank ( XXXX Bank ). The payment was sent electronically. When I checked the auto loan account at Chase, I found it was closed. So I went to the local Chase bank inquiring why my online payment had not been sent back to XXXX Bank. The officer told me that it would take XXXX10 business days for the money to be sent back to XXXX. XXXX to 10 business days later ( XXXX XXXX ) I called and was told that the payment would be mailed back to me instead of being returned electronically. This would take another XXXX7 business days before I would receive it in the mail. The representative told me that the checks had been mailed out on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, I called Chase back and was told that my online payment should have been returned to my Lakeside account. As of today, Chase does not know where this payment is. I have been in constant contact with my local bank, Lakeside, and they have not seen the return of this online payment. The representative from Chase also told me that the inquiry of this online payment would be completed by XXXX XXXX. I asked him what did he mean by that. He said that the investigation into my missing money would be completed by XXXX XXXX. I asked him how was I supposed to make my XXXX XXXX car note to XXXX XXXX without the {$330.00}. I live off of social security and do not have resources to cover this note.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/24, I received a call from the Wells Fargo fraud department telling me they were verifying a {$110.00} charge on my debit card. I never use this card for purchases and I said it was a bad charge. I provided info on my debit card, including number and pin. This turned out to be a scam but I didn't realize it. The next morning, I checked my account to be sure the {$110.00} was not there, only to find a charge in XXXX for {$2500.00}. I called the WF fraud dept immediately. They provided a provisional credit. They now are saying it is a permanently closed claim and I am responsible for the money because I provided the acct # and pin. 

Obviously, this was a terrible mistake which I realized after the fact. I am a XXXX XXXX XXXX widow, have never made a purchase on this card, and have not informed WF of being out of the country, have never been to XXXX and know no one there. This charge should have been picked up initially with a phone call verifying a large charge on a card that I have owned for years and never used except as an ATM transaction. 

Their regs indicate that I have zero liability if there is stolen activity for unauthorized transactions. The account info was stolen in a scam call and I never authorized the use of my account. The letter from WF ( included as an attachment ) indicates the charge was made by me or someone who had my permission, patently false. 

WF has said they will not re-open the case. I need your help to resolve this situation where I, a consumer was scammed, and the bank is calling the result of the scam an authorized transaction.
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

I contacted the COMENITY CAPITAL BANK for XXXX customer service number and was disconnected 3 times during transfers. I purchased a XXXX on XX/XX/2020. I was told by the credit card representative at the XXXX dealership that I could pay a down payment using a this credit card. I was approved for {$4000.00} limit. I was told by the credit card representative to set up equal payments using auto payment for 6 months. I did this with 6 payments each at {$660.00}. I set up auto pay for the due date which was the 4th of each month and was established by Comenity bank, not me, each month to pay off the amount in 6  months. My balance reached XXXX on XX/XX/2020. On XX/XX/XXXX, I noticed i was charged {$380.00} as a financing charge. I was shocked. I contacted Comenity and found out for the first time that they set my 6 month no fees promotion to end on August 19- 16 days prior to the Comenity established payment due date. I have been severely effected by Covid19 and have lost my income. My auto payment due date was 16 days past the promotional date ending. I didnt get my mail during the time I was sick, and wasnt aware that the promotion ended XX/XX/XXXX. This date was not made clear or given to me on the date I financed. I only learned this after being charged this enormous finance on a XXXX balance. Now with a XXXX  balance, I am being charged interest on a paid off {$4000.00}. It feels like this is usery and racketeering. Its wrong that my due date did not coincide with the end of the promotion. This is a trick and its horrible they say they will help during covid but they actually will not. Comenity bank for XXXX has rained devastation on our family during the pandemic. I needed Covid19 relief and was told my comenity that we did not qualify.
Consumer complaint received 2017-02-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

XX/XX/XXXX, payment was disbursed to NAVIENT on XX/XX/XXXX, by our credit union. They submitted a paper check as an electronic payment. Despite having sent a copy of the statement, showing payment, they insist we now send them a triple payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would send the XX/XX/XXXX payment, but with the XX/XX/XXXX payment still unreesolved ( I think deliberately to set up penalties and fees ), I am reluctant to do so and am unsure of what to do. 

Furthermore, although we had some foresearances ( with XXXX, before we were commandeered by NAVIENT ) we owe almost as much as we started owing IN XX/XX/XXXX!!! 

Getting informationnfrom them is like pulling teeth. Now I would n't trust their word. 

HELP!
Consumer complaint received 2015-11-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I deposited a check that was payable as " cash '' on XXXX XXXX 2015, on the next day the check was put on hold in my account but the founds had already being transferred from the account of the person who wrote the check. As of XXXX XXXX 2015 I contacted the customer service of Bank of America and I was told that the check would not be credited in my account because it was written " cash '' instead of my name on the check, because there was a possibility that the check could be returned for insufficient funds, and that I will have to wait another 5 business day to have the check returned. It does n't make sense since the funds have already being removed from the account of the person who wrote the check. In addition, I spoke with XXXX representatives who were very unwilling to help me and who spoke with me like a machine not providing full answers to my questions.,
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Small late fees were being added to the principal, once and sometimes twice per month, for over a year. Called Navient, they said they would refund the fees and deduct the amount from the outstanding balance. However, I 'm so busy with life, I ca n't sit there and go through all my XXXX loans to see everything.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

LONG BEFORE I FILED THIS REPORT I CONTACTED THE 3 BUREAU 'S BECAUSE I PULLED MY CREDIT & I SAW SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE. THE BUREAU 'S COMPLETELY BLEW ME OFF & TOTALLY IGNORED MY CONCERNS ABOUT THE INQUIRIES. AFTER THAT I FILED A REPORT WITH THE CFPB ON XX/XX/2021 COMPLAINT ID # XXXX. THEY SAID THAT THEY REACHED OUT TO THE BUREAU 'S & THEY FOUND ALL INQUIRIES TO BE VALID. IN XXXX I BEGAN TO RECEIVE MEDICAL BILLS FOR SERVICES I'VE NEVER APPLIED FOR, RECEIVED OR KNOW ANYTHING ABOUT. AFTER THAT I FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I HAVE ALL DOCUMENTS BACKING MY CLAIMS. I FEEL THIS WHOLE PROCESS HAS FAILED ME. I SPOKE OUT ABOUT THIS BEFORE IT BECAME THIS BAD WHEN I POINTED OUT THE UNAUTHORIZED INQUIRIES BUT I WAS IGNORED & BLOWN OFF. NOW THE DAMAGES HAVE BECOME WORSE. ALSO, I'VE RECEIVED NOTIFICATION FROM XXXX AND XXXX THAT MY SSN WAS INVOLVED IN A XXXX DATA BREACH & FOUND ON XXXX XXXX XXXX AS WELL. PLEASE HELP ME. I AM A VETERAN & I FOUGHT FOR THIS COUNTRY & DON'T DESERVE THIS. ON TODAY I ALSO FILED A COMPLAINT WITH THE XXXX XXXX  XXXX. WITH EVERYTHING THAT I'M PROVIDING & ALL OF THE STEPS THAT I'VE TAKEN THERE SHOULD BE NO REASON FOR THIS TO PERSIST. SOMEONE SHOULD BE HELD ACCOUNTABLE.
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (IA)

Paid off mortgage with SPS Select Portfolio, Account number XXXX. Loan was paid and closed on property, XXXX XXXX, XXXX, IA XXXX, loan paid off as of XX/XX/2016. Escrow funds have not been returned. We have not been able to get anywhere with calling their customer service. We since then, have purchased another home, and will be moving again and just want our funds back that they owe us.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (OH)

I am disputing a credit issue related to my Truist Mortgage Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, Truist issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by Truist 's payment system, causing two delinquent payments- one in XXXX and XXXX in XXXX of 2023 - for the amount of {$2400.00}. 

Despite Truist 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I have an American Express Hilton Surpass Card that is supposed to earn 6 point per dollar spent at US Gas Station, US Super Markets and US restaurants. I identified two merchants that were earning me XXXX points instead of the XXXX and contacted American Express classifies these two merchants as a gas station and a restaurant and is refusing to correct the error. A very preliminary calculation of the shortfall in points returns a  values of no less than XXXX missing points.
Consumer complaint received 2016-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Entered into a settlement agreement. Paid the agreed amount for a promise to remove. Paid amount full. Received letter stating paid in full. FCO continues to report an outstanding balance that I do not owe.
Consumer complaint received 2023-03-16
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a credit card with XXXX XXXX which had a charge for a service which I did not receive. I refused to pay the charge and closed the account. They show a charged off account on my credit report. This is a disputed charge for a service I did not receive and it should not be on my credit report. Though the amount was much smaller, XXXX XXXX kept adding interest and late charges and the total charge wound up to be {$550.00}. I was in a local hospital XXXX. During this time, I was XXXX got sicker as a result ... wound up sick for nine week. I called the hospital, complained and refused to pay my share of the bill ... {$150.00}. The hospital sent the bill for collection and it wound up on my credit report. XXXX these items are disputed charges which XXXX XXXX Bank, the vendor involved and the hospital have refused to dismiss even though they were not legitimate bills and should never have been due and payable. I have asked Trans Union and the other credit reporting companies to remove these charges from my credit report, but they consistantly refuse. My credit, which should be exemplary, has been destroyed for uears as a result.