davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

I had a checking account with TD Bank and a card that was used without my permission by unauthorized use. I reported this to TD Bank and told them that I wanted to close my account as well as taken care of the unauthorized use of my bank card that was attached to the checking account. 

I recently found out years later that TD Bank did not take care of the unauthorized use of my credit card and they ( TD Bank ) threatened to have me reported to the credit reporting agencies if I didn't pay them ( TD Bank ) not only money for the unauthorized use of my card or stealing done against me but they wanted me to pay hundreds in back interest at 18 %. I recently contacted TD Bank when I found out that XXXX XXXX reported me to XXXX XXXX. 

I would like to note that TD Bank is a very dishonest bank with their overdraft service. What they do is give customers false balances or balances that do not include anything pending or their ( TD Banks ) other fees. As a result TD Bank makes an effort to make customers go into massive overdraft fees. This is not just done with this misleading information and bad faith practices regarding balances and giving deceitful information. The additional practice done by TD Bank is as follows. TD Bank will allows charge the small transaction as an example below. If someone bought 10 small transactions such as coffees, gas and small purchases totaling say XXXX if there is a XXXX large pending transaction and a {$150.00} balance in the account the bank will not let the small transactions go through and bounce the {$150.00} transaction but rather the bank will make an effort to put the {$150.00} transaction through this in balance and then the ten transactions for {$30.00} will make for a {$330.00} fee for overdraft. TD Bank has the process mastered which starts with giving false balance information to customers via both call in and ATM balances. 

I want to be removed from XXXX XXXX and TD Bank to fix my negative account balance right away as my card was fraudulently used without my permission and TD Bank said that they would fix the problem years ago.
Consumer complaint received 2019-06-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (NV)

I own a XXXX  XXXX XXXX XXXX Vin : XXXX. Unauthorized by myself, a XXXX XXXX at XXXX XXXX XXXX Auto Mall, XXXX XXXX, XXXX XXXX took my leased SUV and landed it. When I called this Dealership they evaded my calls. I never signed to drop this vehicle off and never agreed to fulfill this transaction. XXXX  XXXX believes I owe an early lease term. I moved to XXXX XXXX XXXX and before I could return to XXXX XXXX XXXX to pick up my vehicle, XXXX  XXXX stated they have my vehicle. In order for this fraud to occur at this dealership it takes someone from the inside to facilitate this type of scheme of fraud events. XXXX XXXX XXXX the son of XXXX XXXX, which he works for XXXX XXXX at XXXX XXXX XXXX Auto Mall, XXXX XXXX, XXXX XXXX, which I feel he facilitated this fraud of events or at least is behind the scheme. When I contacted the dealership they immediately evaded my phone calls. I demanded a contract from this dealership in which they emailed this with no statement of facts attached. I am now without an SUV. I had medical issues with my XXXX and have not been able to see to contact anyone till now. I need this account cleared and a vehicle replacement as I can not get to doctor appointments.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I, as well as my neighbors, have had multiple credit cards stolen from the mail. 

Most credit card companies, upon being notified, have immediately canceled the card and refunded the fraudulent charges. 

Bank of America, on the other hand, has refused to cancel the charges, claiming since the card was physically present, I am responsible. 

My Bank of America credit card had never been used in the previous 5 years, and yet, upon being used for a number of charges, no fraud alert or notification was sent to me. I personally noticed the charges when I was billed, and immediately notified Bank of America. 

During Bank of America 's investigation they noticed there was another phone number on my account, but they could not identify where that phone number came from. Was it used to activate the stolen card, or did someone else have access to my account? The only thing they claimed was since the card was physically present ( obviously, since it was stolen ), I was liable for those charges, which was a total of {$53.00}. 

As far as I can tell, Bank of America is unable to adequately protect its clients accounts and also unable to adequately investigate fraudulent charges. I have since closed my account, but am looking to get those fraudulent charges dismissed. 

My credit report shows that I normally have thousands of dollars of revolving debt every month, all of which is paid on time. However, I refuse to pay even {$50.00} for charges I did not make.
Consumer complaint received 2024-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NM)

I currently have {$100.00} available for redemption towards my statement balance ( see attached screenshot ). When attempting to apply it via the website, I received an error. Live chat instructed me to call the company. I called the company and was told that there was a block on the redemption, and that it needed to be reviewed. I was on the phone for over one hour trying to get more information on why they would not allow me to redeem the amount, and I was transferred to many different representatives. I was forced to go through a lenghty verification process at least two times. Upon being transferred to another representative, I was asked again to go through the lengthly verification process. I finally had to hang up because I did not have time to go through the whole process again. Even though I was on one long call over one hour in length, it was as if the representatives had no way to communicate with each other that I already gave the information over and over and over again. The entire Citi experience has been extremely frustrating. Other companies seem much more proficient.
Consumer complaint received 2019-06-01
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. (NY)

I went to XXXX XXXX to lease my first vehicle. I was promised and assured if I were to sign the lease that they would ensure my monthly payments be cut in half in after my first year. In addition to that promise they added on products to my lease that were allegedly free after my verbal refusal of not wanting to pay for optional add-ons. This dealership broke the law. They are in direct violation with the TRUTH IN LENDING CONSUMER LEASING ACT. This bill is designed to protect my rights and the rights of others who do not know how leasing works! I tried to talk with the dealer and other XXXX dealers. Any reasonable person would not have agreed to such terms if not for the unkept promises. When I reached out a year to the date to have my payments cut as promised via text message, it was told to me if that is what was promise then it can be done. So I went In person and was told something completely different. They lied to get me to take that car which is illegal. 
To add insult, I told them I dont want the car and I drove to leave it at the dealership because I felt uncomfortable with the deceit. The dealership refused to take the car and forced me to call to have a tow pick it up which now they are trying to charge me XXXX dollars for. 
In addition, I had a remaining loan balance of XXXX. They falsely reported a balance of XXXX on all my credit reports prior to selling the vehicle and the vehicle isnt even market valued that high. The contract states Im responsible for the remaining monthly payments plus a termination fee. THE VEHICLE STILL HAS NOT BEEN SOLD. I called on a recorded line and read the contract to the individuals on the phone and they said they would remove it from the credit report because it was not suppose to be there and a notation would also be put on the account. It is still being falsely reported. There are numerous transgressions on their part and I demand justice. They broke the law, they tricked me and now they are also scamming me. All their actions thus far have been illegal and it is my right to be protected and have my credit protected.
Consumer complaint received 2019-06-01
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)

In response to complaint # XXXX on XX/XX/2019, American Express falsely stated : We show a XXXX XXXX purchase for {$300.00} posted to your account on XX/XX/2019. We reviewed the charge and based on XXXX XXXX criteria, it was determined the charge in question did not match a XXXX XXXX. For this reason, a {$250.00} statement credit will not be issued. We understand how important these types of credits can be to our customers. We regret any frustration this may have caused.

This is completely incorrect. Per the rules of the credit ( attached ), I selected a hotel from the list published at XXXX. The confirmation I sent with the original complaint matched this ( attached again ). I have complied with all rules of the credit and expect a refund. If American Express comes up with another lie, I will initiate arbitration as American Express is violating its policies.
Consumer complaint received 2019-06-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MO)

I have a so-called unsatisfied collection account debt with a Co. called LVNV Funding otherwise known as Resurgent Capital LLC. I have had many communications via phone from this Co. but they have NEVER resolved the issue or even sent me any kind of supporting documentation regarding such account. 

This account is originally dated XX/XX/2017. The original creditor is XXXX XXXX XXXX. The amount in question is for {$660.00} this has never been verified with me nor was a bill ever sent to me. This account incurred fraudulent charges and a fraud report was issued to original creditor.
Consumer complaint received 2019-06-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On ( XX/XX/2019 ) I discovered ( XXXX ) had been re-inserted into my credit file from EXPERIAN INFORMATION SOLUTIONS, INC after being removed off my credit report. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.
Consumer complaint received 2019-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

The following account was removed from my credit report because it was proven to be the result of fraud. Now I am being contacted by the original credit, which I did not authorize to begin with, and a collection agency saying that I owe the debt and that the debt was sold to the collection agency. This is a huge violation. I have attached proof below.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

one Bankruptcy chapter XXXX ( public record ) has been reporting under my equifax credit reporting agency,  this public record is not mine, and no matter how i explain to equifax they would not understand, i have even gone to to the courts and they did not have anything under my name, this is an absolute inaccurate information reporting under my name with equifax credit reporting. i have tried to talk to them every time they are very rude and not helpful, they have not been disputing correctly and each time they say it was verified. i would like to know how they have verified that even the court does not have my information please help me out you r are my last hope, thank you
Consumer complaint received 2019-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

This account was deleted from all 3 of my accounts because of identity theft. I have now been notified by the original creditor, which I did not authorize, that the account has been sold to a collection agency. This is a huge violation an account which does not belong to me, and that can not be verified should not be placed into collection.
Consumer complaint received 2019-06-01
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: CL Holdings LLC (SC)

My complaint is with XXXX XXXX and jefferson capital system a debt collector. # 1 on XX/XX/2019 i like i do several times a month for the past two years logged on to check my credit score. When i checked my score i see these guys jefferson capital systems have a collection on my report from a old XXXX bill that # 2 should have never been on my report since prior to all this XXXX XXXX XXXX bought me out of my contract with XXXX. Since then though do to a lay off / rehire reason my score originally dropped i have hired XXXX XXXX which im not to pleased with these guys timing and efforts either but nonetheless they did have this false information removed off my report for id say a year or little less until XX/XX/2019. So how is it that any of this is possible to begin with then after its removed just how do you think its right to come back to ruin someones credit a year later. I have disputed this and honestly im sick of dealing with all this when i admit i maxed out some cards due to a lay-off because of being holidays and childrens bdays but ive not in no way ran up a XXXX $ fee with these guys for it to be on my report. Thank you
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (KS)

Over the last couple of years I have applied for credit cards at some company type cards backed by JP Morgan / Chase. I have other credit cards and a score of over XXXX according to XXXX. 

I have not been late on a payment for about 10 years. 

Chase denies me they say do to a bankruptcy in XXXX. 

Here is the rub. I had to take a bankruptcy due to Chase. They had a credit line to a company I worked for in the XXXX recession and they withdrew it and force the company to sell - I lost my job. Did not work for 2 years. 

Chase also did the bait and switch on a loan modification and turned it into a foreclosure in XXXX. I fought it for 5 years and won. Got forgiveness on a 2nd loan due to their malfeasance and got the first mortgage modified with the help of an attorney. 

I think Chase black balled me for beating them and XXXX XXXX  and keeping my house. Makes no sense today why they would deny me - unless they deny ALL OTHER people that had to take a bankruptcy due to the last recessions.
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

The company I had my checking account with was Chase Bank. An issue came up with my checking account with it being in the negative and fraudulent transactions. I tried calling them immediately when I found out. I was told to wait a few days and call again. A few days went by and I called again to hear that Chase had ended their relationship with me, in other words, closed my account. I had asked a lot of questions to why my account was closed and they wasnt saying much for the reason why. I told them that I havent had anything to do with whatever the issues are besides the overdraft fees here and there ( but it was taken care of within days ). So I am still asking questions differently so I can get an answer but it didnt work. I did ask since they closed my account, can I get the remaining money that was there or the money that I lost with the suspicious transactions, they said that they will return my money eventually. I need my money now because my bills are due.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

Account statement shows an opened date of XX/XX/XXXX with a date of last payment showing XX/XX/XXXX. This account is too old to be on my credit report and it is reflecting that this account was re-aged to XX/XX/XXXX which is illegal.
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was reported 30 days late on my Kohl 's card on XX/XX/2018. I had reason to believe that I always made my payments on time. I am in the process of applying for a mortgage and my loan officer told me I was late. It was really heartbreaking to hear that. I tried disputing it with the credit bureaus but they said it was accurate but not sure how.
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I was reported 30 days late on my XXXX card on XX/XX/2018. I had reason to believe that I always made my payments on time. I am in the process of applying for a mortgage and my loan officer told me I was late. It was really heartbreaking to hear that. I tried disputing it with the credit bureaus but they said it was accurate but not sure how.
Consumer complaint received 2020-10-09
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. (PA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2019-06-02
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

Dear CFPB I asked your department to take action On XXXX   credit reporting agency for Fradudelent activy on One 's credit report. OneMain account XXXX has been closed Since XX/XX/XXXX But XXXX went into my credit file and changed Information on this account and made it as a charge off account. I just find this to be so hard and disturbing knowing that a credit reporting agency could do something like this. the FCRA is for fair credit reporting but this act of fraud that XXXX is committing is unexceptable this is a act of Forgery and something needs to be done about this I caught them red handed for these people are making billions of dollars selling consumer 's information CFPB see File for factual Proof that this tradeline was Tampered with because XXXX acted in a Hurry if you take Note they acted so quickly they forgot to add the payment calendar in Most Fraud situation someone always leave a paper Trail and that exactly what XXXX did. I added OneMain to this as well But I know they had Nothing to do with this! due to the fact the other two agencies this account is reporting correctly.But i do want Onemain to let me  know the status of this account XXXX is reporting as a charge off. It's XXXX Doing I know this for a fact. Onemain I would asked of you to please go in and delete this erroneous account information on XXXX report XXXX has no credibility and or No trust from me! Obemain please let myself and CFPB KNOW HOW THIS ACCOUNT SHOULD BE REPORTING I KNOW IT WAS CLOSED IN XXXX not sure how in the XXXX this account came into Play now it's XXXX Again this is Not Onemains Fault what so ever! XXXX XXXX
Consumer complaint received 2019-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

XXXX XXXX have a problem that should not be in place at this time. Over a year ago I inherited a house I currently live in from my brother-in-law. After his death, I honestly thought that I could afford a single family house in my 70s. The attached correspondence will  prove that I have been in a modification position since last year. I have submitted every document requirement requested by Franklin American Mortgage Company. However, this financial institution  filed a foreclosure action a XXXX old XXXX woman without considering her rights under the Fair Debt Collection Practices Act. I plan on filing a discrimination lawsuit unless this matter can be rectified quickly. I realize that my age has made things difficult, and I need to close out the estate of XXXX XXXX. However, I make the following alternative to the pending modification and illegal foreclosure process : 1 ) I will agree to sign over a deed-in-lieu to Franklin American Mortgage Company within the next 20-days, and agree to leave the premises known as XXXX XXXX XXXX, XXXX, MD XXXX within a reasonable time period. 
2 ) I will accept {$7500.00} moving expenses disbursement after an inspection shows that I left the premises in move-in condition. 
3 ) I will agree to sign off on any potential lawsuit pertaining to the current situation. 
I would appreciate that the following attorney be contacted pertaining to the preparation of documents : XXXX XXXX XXXX XXXX. XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX ) XXXX Thank you for your consideration in this matter and please respond back as quickly as possible.