davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY (MA)

I recently had {$3500.00} stolen from my account fraudulently and to put it lightly, the worst part about my situation was my experience with how TD Bank handled the incident rather than the fraud itself. 

On XX/XX/2021 at XXXX, I received a call from the real TD bank customer service number ( XXXX is what showed on my caller ID ). The Agent claimed to be XXXX with the TD Bank fraud department. XXXX with TD Bank advised that I had a few suspicious charges on my account from XXXX, New York. He asked for my permission to send these charges over to their fraud department and I said sure. All he needed me to do was reply Y to a series of normal cell phone text messages. 

At no point during this call did I visit TD Banks website, use their banking app, provide my private information to the caller, or request that funds be transferred out of my account in any way. The call ended with no other actions taking place. 

Unfortunately, what I did not know is that TD Bank had already granted this person access to my account without my involvement. 

I have now been told that the criminal used TD Banks XXXX service, a service that I have never used during my time with TD and did not use on that day either. The individual initiated twenty-three charges in total using TDs XXXX service. 

After the call, I went to check my account and realized something was fishy when I couldnt log into my mobile checking account. So I called the bank using the same number I always use. As instructed by TD, I notified the police of the event and have been working with a detective here in XXXX, MA. I have now submitted three fraudulent claims through TD customer service representatives and sent a record of the police report as well. The representative that I have been in touch with at my local TD branch has even submitted a letter of acknowledgment that my situation is legitimate. 

Furthermore, I have been calling customer service consistently to check up on the status of my claims and to ensure they have received all pieces of documentation to validate my case. Each time asking for my story to be repeated. I found out by way of calling customer service my claims of fraud have been denied. I have come to conclude that my story had been skewed and altered to fit TD Banks definition of a scam, even though the criminal clearly gained access to my account before ever calling me. 

TD Banks unwillingness to listen and the skewing of facts has made this a profoundly frustrating and long process.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

LastXX/XX/2021 I've sent documentation for those inaccurate and unknown accounts on my credit report. it's 30 days now since I've sent those but I've never received yet any response. I demand to REMOVE ASAP those accounts or I will file litigation.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

An email was received stating that XXXX of our accounts was opted out of early pay. I did not opt out, neither did my XXXX, who is the other name on the account. I called the toll free number and mid-conversation was hung up on. I called a local branch and spoke to a XXXX XXXX XXXX, XXXX branch ). She advised she could not see what changed. She contacted her service center who advised the email was spam and they don't show a change. However, the email came from Huntington, looks like every other Huntington email, the early pay has disappeared from the list on the Huntington app and the payroll check has not posted. I'm unsure as to what is happening, but this is deeply concerning. I have spoken with my employer, which has not changed and they have not changed how they submit payroll. I'm deeply concerned about this and can not get straight answers with the branch. XXXX tried her best to be helpful, but it did not solve the issue.
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (MO)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. While I understand that there is a pandemic which can cause delays, I have not received anything from any of the bureaus since my first dispute on XX/XX/XXXX ; followed by 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANYONE to resolve anything. Data has also already been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year ; it's a shame for people like me who are trying to better ourselves! The bureaus MUST be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (MS)

I refinanced my auto loan in XXXX with XXXX. They sent a check to Bridgecrest to pay off the loan. My payment due date was XXXX the XXXX and since Bridgecrest exists because of bogus fees, there is no grace period on their loans. So I had to make my payment that day. Then they post the check from XXXX on XX/XX/XXXX, we can call that a coincidence if they like, but we all know it is not. 

Bridgecrest refuses to refund me for the overpayment amount which is around {$690.00}, I can not get the exact amount because they have shut off my access to my account and do not send out paperwork. The majority of their business is fraudulent, so that is no surprise. I have called and spent hours on the phone with them and getting the run around, but still no check. 

This is my last ditch effort to get my funds as the next step is court and the entire fraudulent loan itself will be brought into question then as well as their shady business practices. I charge {$1000.00} an hour as well and they will pay that bill for all the hours I have wasted on this by them trying to steal my money as well as making me pay interest on money that couldn't exist without me.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (NY)

I have had an Elan XXXX for XXXX or XXXX years. The card is serviced by XXXX XXXX based in XXXX, ND. I received a letter dated XXXX XXXX, 2022 from XXXX XXXX informing me that the interest rates I was to be charged were going to increase ( letter attached ). XXXX reasons were given for the increase, supposedly based on my XXXX credit report, dated XX/XX/2022. 
I called XXXX XXXX on XXXX XXXX to ask for an explanation. The customer service person I spoke with was not able to give me details. I then wrote XXXX XXXX responding to/questioning each of the XXXX reasons given for the rate increase ( letter attached ). 
By coincidence, I had pulled my credit report from XXXX in XXXX, 2022. None of the reasons for the rate increase given by XXXX XXXX were evident on the credit report I obtained. In addition, the customer service person I spoke with on the XXXX told me the interest rates shown on my account were higher than the rates shown on my monthly account statements. 
I received a response to my letter from XXXX XXXX dated XXXX XXXX ( attached ). The response did not address the issues raised in my letter nor was there a response to my question as to the difference in rates between my statements and what I was actually being charged. Their response was basically " we aren't going to reconsider the rate hike and you can close your account ''. 
I did not accuse XXXX XXXX of fraud in my letter. To charge a long-time customer a higher interest rate that what was disclosed and to use apparently specious reasons for a further rate increase can be viewed as fraud adjacent.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc. (LA)

I tried to enabled my Base coin account although I disabled it by mistake, But the only thing they let me do is to sign in, but for some reason it keeps kicking me out because it will no longer excepts my ID for verification purposes, So i am back from the beginning to get back into my Base coin account, I did this over and over again and tried through my app on my phone also, They tell me there is an issue and that my founds are safe, do not attempt to try app again on my cell phone, I have yet to retrieve my account from these people with my funds still in there! ... And have not heard back from them from the last response that i wrote to them through my email!
Consumer complaint received 2022-12-27
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. (MA)

XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of XXXX XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank account.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc. (RI)

Received a Text XX/XX/XXXX at XXXXXXXX XXXX from XXXX XXXX XXXX XXXX, regarding a matter that their office is handling. I click the link and add the agency ID XXXX. It then brings me to an account that states I owe an alleged debt for {$10000.00}. The Original Creditor was Prosper Funding LLC., assignee of XXXX, who previously charged off the alleged debt. I have no contract with XXXX XXXX XXXX XXXX XXXX I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX XXXX and Prosper Funding LLC., assignee of XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (GA)

I have received an email from this company/organization on XX/XX/XXXX ( yesterday ) detailing me I have not fully paid the balance due on my loan. I have not done business with Spotloan since XX/XX/XXXX and the last payday I did receive was paid in full. I have not received anything since then even in XXXX I had a balance. The amount the company is asking is {$1500.00} which is excessive and after researching the company I see highly unusual results of a rip-off and predatory lending results. I dont know why now Im receiving an email and not in XXXX telling me of a debt Im not fond of. I have attached photos for review.
Consumer complaint received 2023-08-31
Product: Credit reporting 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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this name XXXX XXXX XXXX acc XXXX name XXXX XXXXXXXX acc XXXX name XXXX acc XXXX name XXXX XXXXXXXX XXXX XXXX acc XXXX name XXXXXXXX XXXX acc XXXXXXXX name XXXX acc XXXX name XXXX XXXX XXXX acc XXXX name XXXX XXXX XXXX XXXX acc XXXX acc XXXX name XXXX accXXXX name XXXX XXXX acc XXXX name XXXX XXXX XXXX acc XXXX name XXXX XXXX acc XXXX I NEED EVERTHING REMOVED WITH IN XXXX TO 30 DAYS THANK YOU
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (NV)

As stated before, ive disputed inquiries on my consumer report that was not authorized by me or from me which took awhile to be recognized as fraudulent. These are the remaining inquires on my Experian profile that ill need deleted as requested. Inquiry : XXXX XXXX, Date of Inquiry : XX/XX/2021 Inquiry : XXXXXXXX XXXX, Date of inquiry : XX/XX/2021. Ive fought hard to have these removed in still had no suscess in the past. I ask that Experian to exhaust all remedies and please have these removed immediately.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IA)

Initial Reporting ( Dates and Companies ) : On [ specific date ], I reviewed my credit report and discovered several unauthorized accounts reported by various companies, including XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX 
The accounts listed were reported without my consent and contain inaccurate information. 
Unauthorized Accounts : XXXX XXXX : Reported without my consent. 
XXXXXXXX XXXX XXXX : Reported without my consent and inaccurately reflected my credit usage. 
XXXXXXXX XXXX  : Reported without my consent. 
XXXX : Reported without my consent. 
XXXX XXXX XXXX : Reported with an inaccurately stated late payment. 
XXXX : Reported with an inaccurate balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Reported as an unauthorized collection. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported without my consent. 
XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Reported as an unauthorized collection. 
Actions Taken : On [ specific date ], I contacted each company to dispute the unauthorized reporting and inaccurate information. I requested verification of the accounts and submitted evidence of my claims. 
I also filed a dispute with the credit reporting agency on [ specific date ] and provided them with documentation to support my claims. 
Response from Companies : As of [ specific date ], I received no satisfactory response or resolution from the companies involved regarding the unauthorized reporting or the inaccuracies on my credit report. 
Financial Impact : Due to these unauthorized reports, I faced potential financial repercussions, including denied credit applications and higher interest rates.
Consumer complaint received 2024-10-13
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. (VA)

I am writing to formally dispute the accuracy of a collection account reported by XXXX XXXX, which appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the information on consumer reports is accurate. I have previously reached out to XXXX XXXX in an attempt to verify this debt. However, they have been unable to provide the necessary documentation to substantiate the validity of this debt. 

Because XXXX XXXX has failed to verify this account, I request that you remove this collection account from my credit report immediately, as it is inaccurate and unverifiable. Reporting unverified and inaccurate information violates my rights under the FCRA.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MI)

On XX/XX/XXXX and XX/XX/XXXX Certified letters were sent to NCA XXXX National Credit Adjusters ) asking them to verify that this debt belongs to me and that they were the original owner of the debt with my signature, that I agreed to pay the amount owed. 
I never received verifying proof from them but they proceeded to damage my credit. I feel they are in violation of the FCRA, Balance : {$2600.00} Original Creditor : XXXX XXXX  XXXX Never Heard Of this Company )
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

I been currently affected by identity theft my information been stolen and compromised. Additionally, these misstatements are punishable as perjury under 18U.S.C 1621. This collection found within mt credit report are not related to any transaction that i made. I am alleging that a person or company without my authorization use my personal identifying information to apply for goods services, or money, and was successful in some accounts all is being investigated by the FTC.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MI)

I was served a court summons on XX/XX/2021 for a debt I do not owe with no proof other then an Amount and a Creditor name XXXX XXXX XXXX  XXXX. I have been getting several spoof calls and voicemails from LVNV Funding LLC at all hours and days.
Consumer complaint received 2021-04-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (IL)

I called XXXX XXXX in XX/XX/XXXX and ask for pay to delete my account. And they told me that they would delete the account after it was settled. They never deleted the account off my credit files. They just updated it as paid. I pay this debt on XX/XX/XXXX for the amount of {$860.00}.
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Ok Finance Group INC (GA)

Hey im XXXX XXXX, I purchased a car for XXXX down. had the car for just over XXXX months. I then painted my vechile and with out noticed the carlot came to pick it up. at first they said I was behind and needed to pay XXXX to have the car return to me and my bill is only XXXX a month. I was willing to pay that but then we started the process and then they said I needed to pay the car in full ( XXXX ) before they can return the car. the car was not emission tested and wrecked and I had no knowledge of this. if you are not busy you can email me or call me at XXXX for more information