davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OH)

I've had previous issues from this company in regards to payments and how and when they are applied. I truly hope someone from CFPB is reading this because the amount of stress TD Bank causes with what I believe are fraudulent practices is unbelievable. I've attached statements that show I made payments to cover the XXXX and XXXX minimum amounts that are due. Then this morning I get an email that my XXXX bill is {$340.00}. That's double the normal {$150.00}. I've read the statements and billing cycles dates for both and can not understand why the payment doubled. 

Now with a " normal '' creditor I would contact the lender. You can't do that with TD Bank. Oh they say they have a customer service number but I've tried calling it numerous times and you can not reach anyone. You literally will sit waiting for hours, not an exaggeration. How about messaging them through their website? Well I've waited for a response from my last inquiry that was back on XX/XX/XXXX. XXXX months and I still don't have a response. 

Honestly something needs to be done. My payment doubled and I have to spend more time trying to find someone to explain this to me. Can't wait to hear the financial loopholes they'll exploit on this issue. The company is pure and simple, nothing but a scam. You make your payments and they play games with the processing of them.
Consumer complaint received 2022-06-14
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. (TX)

INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. Transunion does not have permissible purpose to furnish these inquiries on my consumer report pursuant to 15 USC 1681b ( a ) ( 1-2 ) only a judge/federal grand jury or from me the consumer in writing anything else is fraud. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

XXXX XXXX LVNV FUNDING LLC was sent by certified mail, a validation/ verification letter about account in question # XXXX reference ID # XXXX. 
In response I received ONLY monthly bill statements, which does not validate or verify the debt! LVNV FUNDING LLC is purposely ignoring the requested information sent to them ( SEE ATTACH ), via certified mail. ALL information is my right as a consumer to recover according to FDCPA XXXX XXXX XXXX XXXX XXXX has never been issued as addresses in requested via certified mail, NOR HAS ATTEMPTS TO COLLECT DEBT CEASED, which is another violation of my rights until information requested is received in its entirety all attempts must be inactive. 

On XX/XX/2022, LVNV FUNDING LLC, sent me a letter stating verification of debt ( See attach ), with a monthly billing statements, AGAIN, ignoring the stated request for verification sent via certified letter. ( see attached ) Nothing indicating verification validation or judgment alleging debt is On
Consumer complaint received 2020-07-02
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: NAVY FEDERAL CREDIT UNION (VA)

A company XXXX, TX charged me for items I didn't receive and don't have. 

- I complaint to my bank credit card, Navy Federal Credit Union. 
- They said they will do an investigation - The company sent my bank an invoice but the item was not sent to my address. I do not know this address. It is also the first time I've seen the invoice. I was never provided an invoice by the company. 
- The company sent my bank a delivery tracking number, but it is not me nor did I sign for it. 
- Apparently, my bank believes this company that has a P.O. Box for an address. My bank credit card thinks I will just pay for getting nothing. 
- The amount is {$93.00}. 
- Attached document bank provided to me that the company provided to them. I never received any of these documents before the bank provided.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-10-23
Product: Credit reporting 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)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (FL)

Experian is not reporting accurate information on there site I have made contact by mail and the phone I was told multiple times they will fix the problem and never did since last year they are reporting that I only have one credit card on file open but there is more than one for some reason on there site XXXX XXXX XXXX   is nor showing but they have a fraudulent account open on my report despite the fact I have disputed the fraud account name XXXX XXXX XXXX multiple times with no finding fact the account belongs to me I have provided information stating the account is fraudulent and do not belong to me experian refused to do a correct investigation multiple calls and letter was sent and received by experian but account XXXX XXXX was not removed off my report and XXXX XXXX XXXX still shows as closed XXXX XXXX XXXX was disputed on grounds with wrong name and amount also address not my information incorrect info experian refused to remove account but a open account with XXXX XXXX with is open and is getting reported on XXXX  and XXXX  report false information is getting reported with experian and is abuse of my name and personal credit report
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Requested updated statement change and no change occured or as requested. Disputed items on credit report for proof of signed agreements for inquiries and delinquent items be removed having notified alleged creditors to setoff obligations for full acquittance and discharge and credit bureau and corporations have neglected their fiduciary duty to settle obligations and restore credit standing. I do not consent to e-sign. unauthorized use of my personal data carries fee of XXXX XXXX XXXX dollars per daily for use per 15 U.S.C. 1. Corporations are prohibited from reporting negative items without negotiating obligation for settoff. All consumer reporting agencies do not have any express written consent and are forbidden to share my personal data per 15 USC 1681a ( q ) 3, nor consent to furnish any potentially negative, delinquency, collection items on any report or use intellectual property i.e. persona as such dissemination shall constitutes character assassination that results in the credit discrimination. I am principal original creditor pursuant of the U.S.C. 15 1692a ( 4 ) per USC 15 1692J. corporations must have signed agreement for use of personal data. no consent for use of an social security has been authorized except under duress and violation of 42 U.S.C. 408a8 ; public law 93-579. Consumer reporting agencies are demanded to proof otherwise.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XX/XX/XXXXaccounts, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # xxxx, 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 2023-04-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliant Capital Management LLC (MA)

I owe on a loan I took out. I have repeatedly received phone calls from XXXX along with her calling my family and friends over and over. Making it sound like shes looking for me and something bad has happened to me. I told her to call me directly and to stop harassing my family and friends. I told her I received an email from her company and I was trying to go online to set up a payment plan.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOK FINANCIAL CORP (OK)

Lender asked me to fib on my tax return, was unavailable to answer questions in a timely manner, belittled me told me I was the reason for her being behind on her files, gave empty promises to ALL parties involved, told me I had to pay all my PMI upfront XXXX at closing because my credit score wasn't at a XXXX. Only to find out it was a XXXX. Had my information for months but called me weekend before closing at XXXX XXXX said not closing. I really feel disrespected and DISCRIMINATED against. Finally I felt pressured to pull out of loan
Consumer complaint received 2020-07-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (SC)

Name of account and address reporting to credit bureaus : AXCSSFN/CNGO XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( This address is incorrect and all USPS mail is returned ) AXCSSFN/CNGO is comprised of 2 ( two ) names not accredited via the XXXX  and XXXX no results via the Ohio XXXX. 

1. AXCSSFN Abbreviation for Axcess Financial Services address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX prior business name the XXXX XXXX XXXX XXXX 
2. XXXX Abbreviation for Check N Go address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this business uses several names carefully listed below. 

RELATED BUSINESSES : CNG XXXX XXXX XXXX. 
Allied Cash Advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Check N Go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Axcess Financial / Axcess Financial Services Inc. 
XXXX XXXX XXXX name not registered with the Secretary of State CNG XXXX XXXX Business name not registered with the Secretary of State XXXX XXXX XXXX XXXX Business name not registered with the Secretary of State I have contacted the 3 major credit bureaus in reference to AXCSSFN/CNGO dating back to XX/XX/XXXX and I have not received any useful replies to validate that AXCSSFN/CNGO are holders in due course. During the validation process the debts were transferred several times making it extremely difficult to locate whomever is reporting the debts to the credit bureaus. As carefully listed above. Their accounts were updated on XX/XX/XXXX AXCSSFN/CNGO flagged my credit files with inaccurate/unverified information ; the open date changed. ( See attachments ) Please be advised that AXCSSFN/CNGO are not Holders in Due Course ; no services or goods were received from AXCSSFN/CNGO XXXX and I have not agreed to pay/tender anything to AXCSSFN/CNGO. AXCSSFN/CNGO have not provided any documents or itemized statements VIA MAIL proving I owe any debts to them. 

Proper documentation from AXCSSFN/CNGO was not provided to me to allow AXCSSFN/CNGO to verify the accuracy of the data placed with the credit bureaus as charge-off. ( See attachments ) AXCSSFN/CNGO is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 

I have not provided signed wet-ink releases of my private information to AXCSSFN/CNGO. 
AXCSSFN/CNGO does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. I will reply VIA MAIL and only via mail. AXCSSFN/CNGO reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-07-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (LA)

After viewing a copy of my report, I noticed a collection account placed on my credit report from HUNTER WARFIELD XX/XX/2021 in the amount of {$3100.00}. First and foremost, I have confirmed that the debt collector, HUNTER WARFIELD is not licensed in the state of Louisiana to collect on this debt. Secondly, HUNTER WARFIELD, violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to HUNTER WARFIELD? I have never heard of them, have no written contract with them and have never received any benefits from them, yet HUNTER WARFIELD has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$3100.00}.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/2020 a mortgage payment in the amount of {$760.00} : for mortgage payment {$700.00} plus {$59.00} for principal, was made to ShellPoint mortgage company. 
On XX/XX/2020 ShellPoint Mortgage servicing company withdrew Insurance premium disbursements {$490.00} from my escrow account. I have never had insurance premium disbursement withdrawn. I have homeowners insurance and the condominium complex has their own insurance for the condominium property. 
On XX/XX/2020, the ShellPoint mortgage company has the escrow balance showing to be {$1200.00} after the {$490.00} was withdrawn for the insurance premium disbursement. 
This is incorrect as my escrow balance should actually be {$1700.00}.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (CA)

My account was closed by Paypal on XXXX XXXX, 2020 with a balance of {$13000.00}. Paypal has stated that they will hold my funds for 180 days before releasing them to me. I understand that this is a standard policy for merchants who have received these funds as a payment for goods, as Paypal needs to allow the chargeback period to expire before releasing the funds to me. The money in my account, however, was not received as payment for goods. It was received as a peer to peer transfer, which is irreversible, and impossible to have a chargeback filed against. As such, Paypal would need to release my money immediately, as it is not theirs to hold by law.
Consumer complaint received 2020-07-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (WI)

On XX/XX/XXXX, I contacted a loan officer at my bank and attempted to take a small personal loan to pay bills until my unemployment went through. I was denied on XX/XX/XXXX, and told that as a new collection account had recently been opened, I was deemed to great a credit risk. Within a few days, my auto insurance renewal premium also went up. After checking all 3 major credit bureaus, I became aware of an account listed as " Opened XX/XX/XXXX, by Ability Recovery Services , LLC. '' This account is actually from XXXX. The fact that Ability is not even the first 3rd party agency to own the account, shows that they intentionally misrepresented the age in an attempt to " revive '' the account. This is a violation of WIS 427.104 ( 1 ) ( c ), and therefore by being illegally represented, a violation of FDCPA and FCRP.