davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CO)

I filed a complaint XXXX of this year. After waiting almost 3 weeks longer than I was promised, I received my check without my name on it. Only my business name. I took the check to the cash checking place near my home because they offer to cash business checks. I bring in all my paperwork and verify everything. The woman working there is required to call the bank and verify the check. She couldnt do that because TD bank decided to do exactly the opposite of what they said would be done. My account is still frozen so the customer service rep on the phone for TD Bank told her do not cash the check. I attempted to do an ATM deposit at my local XXXX XXXX where i bank personally. The atm took my check but then sent me a notice that the check looks fake and to request another from the business that provided it. I have called the number provided from the first complaint time and time again with no answer or response to my voicemails. This is pathetic. It has been over a year and my money continues to be tampered with and now theres no response from the bank at all. This is disgusting and the establishment should be embarrassed
Consumer complaint received 2022-09-13
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : Bankruptcy XXXX  XXXX-discharged Filed on XX/XX/2017 Reference number : XXXX
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I requested an international wire transfer on XX/XX/23 for {$500.00} to be sent using the Chase template. This wire transfer was destined to an individual in XXXX as a charity donation for refugee assistance and relocation support. Chase placed a hold on the wire transfer the same day and has not provided any communication or updates on this transfer since. It is now XXXX and I have made several attempts to contact Chase regarding the transfer via phone ( twice ) and email/message with no progress. There has been no communication with me since XX/XX/23 and the funds are still on hold. I feel like I'm completely powerless to do anything about this.
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

XX/XX/2019 a XXXX XXXX account was opened in my name. The person added an authorized user of " XXXX XXXX. '' Within the last XXXX weeks, I began the process of closing on a home. Then, a collection account from Jefferson Capital Systems appeared on my credit reports. I disputed the debt because I knew nothing of it. I then contacted XXXX, who let me know about the account that had been opened in my name, wasn't paid, and was sent to collections. The person used my name, social security number, and an outdated address. I have attempted to contact Jefferson Capital Systems by phone, to no avail. I have filed a police report and provided it to XXXX. This is a clear-cut case of identity fraud, and it is close to making my entire family XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (NC)

Previous complaint was filed : XX/XX/XXXX, ID XXXX ORIGINAL COMPLAINT : Reliacard, US Bank Corp XXXX {$13000.00} balance. Account was closed effective XX/XX/XXXX. Reason given in letter XX/XX/XXXX : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/XXXX, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX account. 

See US Bank Corp response, including ID verification directions. Attached. 
A photo of my current passport and a selfie was submitted XX/XX/XXXX, per option # 2, e mail, " Complaints .... '' twice. The bank has NOT responded with my funds or Re : adequacy photos. 

Since, I have inquired if the ID photos were acceptable : no response. I DID receive a letter from US Bank saying my " change of address '' had been noted : my address was NOT changed, just more precise destination added to same as on file at least since XXXX. 

In Bank Corp. response " XXXX '' did say at some indefinite time my {$13000.00} would be returned to OHIO? My account originated in Oregon. I just want a check for the above, close the card/account.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I couldn't believe it when I saw incorrect accounts on my credit report this morning, and I have no idea where they came from. I check my credit report all the time, and Ive never seen anything like this. I even refreshed the page, hoping it was just a glitch, but the false accounts stayed. Im requesting that the documents Ive submitted be thoroughly examined so I can stop stressing about this issue.

I couldn't believe it when I saw incorrect accounts on my credit report this morning, and I have no idea where they came from. I check my credit report all the time, and Ive never seen anything like this. I even refreshed the page, hoping it was just a glitch, but the false accounts stayed. Im requesting that the documents Ive submitted be thoroughly examined so I can stop stressing about this issue.
Consumer complaint received 2022-07-13
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: Fidelity National Information Services, Inc. (FNIS) (GA)

On XX/XX/XXXX, I tried to apply for an account with XXXX XXXX and was denied because of Chex systems. I reached out to Chex systems in regards to the matter. I was sent a letter stating that I had an account with XXXX  XXXX XXXX in the past and I owe {$350.00}. I never had an account with them but my ex husband did. He put me on the account in case if anything ever happened to him that I would be able to access anything I needed of his. I never put any money in there or did anything with the account. I was told in XXXX during the divorce that my name was removed from all his accounts. Fast forward to XXXX, I applied for this new account and now I can not open an account with them because he left a balance on that account and I had no idea. Because my name was on it when it closed they are trying to tell me I am co responsible. I contacted XXXX  XXXX XXXX on XX/XX/XXXX And was told I am responsible for something that I had no idea about and would not have known because evidently in XXXX they put this on me and if I didn't try for the XXXX account I would have never known. I feel as if I am not responsible for someone elses debt because I was told one thing and the case was something else. I would like for them to remove this from my account because I am not the primary account holder and I have never even used this bank or step foot in there except under the false pretenses that it was for if anything were to happen to someone I would be able to take care of their affairs with no issues.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I am writing to formally request all documentation and notifications sent regarding the repossession of my vehicle, which is reflected on my credit report. I demand the following : A copy of the original contract bearing my signature. 
A complete audit of the account, not just account statements, detailing all transactions, fees, and charges. 
A copy of the IRS Form XXXX showing that Santander charged off this account and sold it to XXXX XXXX XXXX who is now pursuing payment. 
Proof of any insurance claim filed and collected by Santander related to this account. 

Under the laws of the XXXX XXXX XXXX XXXX XXXX XXXX  statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
Consumer complaint received 2022-07-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Central Portfolio Control Inc. (LA)

There is a medical collection on my credit report for {$1200.00} that has been re-opened by another collector XX/XX/2021. The collection fell off after it hit its 7 year mark however this year In XXXX it re-appeared and shows that I agreed to a 24 month payment plan. I did not agree to anything nor did anyone from their collection agency contact me or set up a payment plan to handle the dept. This collection has been on my account XXXX years as a mistake and each collection agency hasnt done anything to help negotiate or verify that it was in fact mine and the amount shown is accurate and matches the services I received from the hospital.
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (SC)

This account was closed in 2017 and they have not removed this account. It was paid in full and after several disputes they are not reporting accurately. I would like them to delete this account and a full history sent to me, as previously requested. This account was over 9 years ago and their company is reporting falsely.
Consumer complaint received 2023-04-03
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: TRUIST FINANCIAL CORPORATION (TX)

There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. 

DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX Truist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (AR)

Someone used my social security number to apply for so many things and it gave me so many hard inquiries I have around 30 hard inquirys that need to be removed that I did not do because I did not have any credit at the time so I didnt even apply for anything because Im only XXXX but now that I got credit those inquirys are affecting my credit score now that I have built my credit that I worked so hard to do! Here are the credit inquirys that I would like removed. Someone tried to apply for cars, credit cards all types of things I dont even recognize none of these companies but after you guys remove these I will be doing a credit freeze on my report! Please help me the best way you guys can! 

XXXX XXXXXXXX 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 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
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the Accounts, I believe it was reporting in error. 

XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance XXXX {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-03
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. (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report between XX/XX/XXXX through XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with these companies : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a onsumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

This is my third CFPB complaint for the same issue. I can not get through to a Truist representative by phone and Truist will not return my calls when I've left several voicemails. 2nd complaint : XXXX. 1st complaint XXXX. I have had my mortgage with Truist since XX/XX/XXXX. The first 4 months I couldnt make payments on line because the phone # they had for me was incorrect so every time I tried to reset my password it would go to their customer service XXXX number because that was what was input during the botched data base merger when they merged SunTrust and BB & T. I had to go into the local branch in down town XXXX to get it straightened out. The manager XXXX XXXX helped me fix the online issues ( I thought ) and helped make a payment of {$1100.00} and {$200.00} additional on XX/XX/XXXX. The only thing that posted to my account was the payment on principle of {$200.00} I received an email XX/XX/XXXX that my XXXX payment was past due. I want my XXXX payment to reflect that it was paid on XX/XX/XXXX. I havent been able to resolve this issue through Truists customer service. Ive called numerous times and have been told I will be called back and no one ever calls me back.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I need your help with an incorrect account listed on my credit report, which has negatively affected my reputation. Your mistakes in managing my credit report have caused significant harm, and I urge you to remove these mistakes to allow me to live peacefully with my family.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Transfermate, Inc. (WA)

I paid school fees to an educational institution in XXXX called XXXX XXXX XXXX ( which is not the subject of this complaint ). The payment was performed through an intermediary company TransferMate, who is the subject of the complaint. According to my bank 's documents, TansferMate 's account was credited on XX/XX/XXXX. XXXX XXXX XXXX hasn't received the money yet as of today, XX/XX/XXXX. My daily status checks with TansferMate over e-mail merely resulted in the same excuse repeated over and over : we are waiting for confirmation from the bank that the amount " has cleared. '' My inquiries about the reasons for the delay or the estimate of the completion date of the transactions are ignored and never answered. TransferMate 's US phone number is a voicemail inbox that I am not hopeful will ever get back to my inquiry. I am starting to suspect a scam. 

The attached receipt demonstrates that TransferMate 's XXXX XXXX account ending with XXXX was credited on XX/XX/2023. The money has come out from my account, also at XXXX XXXX, in the form of a cashier 's check immediately deposited to Transfermate 's account, of which the receipt is the proof.