davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (FL)

The account with TD BANK was close a long time ago, and this month I received a letter from a debt collector telling me I'm still owes to TD BANK. TD BANK closed my account automatically when i recently open the bank account with them, i haven't any access to that account and also. 

I don't understand what happened.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX  XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account # 's 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 2018-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I had signed up for a Citibank promotional offer in XX/XX/2018. The promotional offer was to earn {$400.00} for opening a new checking and savings account and complete qualifying activities. The qualifying activities listed on the promotion included depositing {$15000.00} into the new checking or savings account and maintaining that balance for 60 consecutive calendar days. According to the promotional text, that was all I needed to do. I deposited {$15000.00} into the account within 10 days of opening the account and held the funds in the savings account for 60 consecutive calendar days. In XX/XX/2018, two months after opening the account, I was expecting to receive the {$400.00} bonus. I called Customer Service and was surprised to hear that I would need to wait another 60 days before receiving the bonus. I then lowered by balance in the savings account to {$10000.00}, the minimum amount required by the bank to avoid a monthly fee. All throughout this time, my checking account was open but did not have a balance. In XX/XX/2018, I received an email notifying me that I had met all qualifying activities and would earn {$400.00}. However, when I logged into my online account, I noticed my checking account had been closed automatically by the bank. I called customer service to inquire and learned my checking account was closed due to XXXX balance after 90 consecutive days. As a result, I would not qualify to earn the {$400.00} sign up bonus because both checking and savings account needed to be open at the time of their bonus deposit. I feel this promotional offer was deceptive marketing by Citibank. At no time was I ever informed I would need to maintain a balance in my checking account. The Customer Service representative even said I would have qualified to get the bonus if I left {$1.00} in my checking account. The promotional text does not specify which account to leave the money in, so I left it in the savings account due to potential interest. I tried to explain my situation to Citibank but to no avail. The customer service representative said she would note my story down as feedback for future promotions but offered nothing else. As a result, I closed my savings account and did not receive any bonus even though at this point I have left my money with them for 4 months. I could have been better off not opening the accounts in the first place and leaving these funds in a high yield savings account elsewhere earning 2 %. I have had bank accounts elsewhere and have never seen them being closed automatically for XXXX balance. This was a deceptive tactic by Citi so that some consumers who signed up for the promotion would " drop-out '' of their program by purposely closing their accounts after 90 days. I would like Citi to clarify their promotional offers to future consumers so they do not have the same experience as I did.
Consumer complaint received 2018-12-16
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. (NJ)

I am filing this complaint because XXXX  ( credit file confirmation # XXXX ), XXXX  ( credit file # XXXX ), and Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-09-01
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. (CA)

In accordance to the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 USC 1681.

Account name : XXXX has reported an alleged debt associated with account # XXXX with XXXX, XXXX XXXX XXXX with the Account # XXXX, & XXXX which can not be XXXX different # 's over XXXX ago wrong dates and amounts inaccurate data regarding the entire banks attempt to abuse a XXXX person. 

XXXX XXXX XXXX whom i have no legal obligation to has violated my rights. 

15 USC 1681 Section A. States i have the right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of, any other adverse item of information, other than records of convictions of crimes which antedates the report by more seven years.

15 USC 1681 ( A ) ( 1 ) A person shall not furnish any information relating to any reporting agency if the person has reasonable cause to believe or know that the information is inaccurate.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (OH)

In XXXX I enrolled into a debt counseling program. I gave them all my credit info. And never opened any new accounts due to wanting to get out of debt. In XXXX or XX/XX/XXXX I received a call from the debt counseling company asking if I wanted to add the new debt of XXXX. I advised them i never opened any new credit cards nor had I had any new debt. They gave me the number of the company claiming I owe them XXXX. I called the number which was Midland credit management XXXX XXXX XXXX. They would not.give me any information on the account I told.them I never opened an account with them and wanted to know who opened the account. They just kept transferring me over and over. Never giving me any information just wanting to collect money from me. So I ignored this fraud claim thinking they got the hint I was not going to pay them any money. So, today I checked my free credit report and noticed this company is on my credit report it had the date the card was opened how much is due. So I called them again to let them know I never opened this account and asked for information on who opened the account and again I was transferred over again. Also, when I call they answer the phone as if they were home and not.in a professional setting. I dont know what to do and how to dispute this fraud. Any help would be greatly appreciated. 
XXXX
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

In XXXX of XXXX, I received rent payments from my roommate through PayPal. Paypal then locked down my account under suspicion of fraud. They gave me a series of task to do to verify my account & fraud activity ( asking for proof of address, ID, bank statements, & etc. ) Despite my cooperation, they still shut down my account. I was told I can not access my money until half a year, 6 month after. They have also told me that I have to wait for them to contact me on how to get my money back from PayPal. It is now XXXX and there is still no way for me to get a hold of my rent money from PayPal. They have also made it extremely difficult to navigate their website to retrieve this money & have not told me any actual reasons to shut down my account
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX my wallet was stolen and multiple charges were made on my Chase debit card, totalling approximately {$220.00}. 

XXXX XXXX XXXX XXXX NY XX/XX/XXXX ( ... XXXX ) Card {$14.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  NY XX/XX/XXXX ( ... XXXX ) Card {$7.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX ( ... XXXX ) Card {$200.00} I did not authorize these transactions, as my card was stolen. I filed a claim with Chase and they issued me a temporary credit, but then reversed it a few weeks later. I called them and asked why, and I found out that the claim was filed incorrectly by Chase, so I submitted another one. A few weeks later, that one was also reversed, and I called and learned that they had filed it incorrectly AGAIN. However, I called again and they filed it correctly, but today they reversed the claim and have overdrafted my account. I called and they said that purchases were made after the card was reported stolen, but the purchases that were made were tips for a restaurant order and a grocery delivery, which I had authorized prior to my card being stolen and that I can not open a new claim. 

To help prove my wallet was stolen, I have attached confirmations of ordering new cards and a new driver 's license.
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I reached out to this company with a Notice of Validation and a Cease and Desist to verify this alleged debt. They failed to response to any of my correspondence. Therefore, the debt is unverifiable and this company is furnishing inaccurate information. I want them to remove the account from my Consumer Report.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

In or around the last week of XXXX. I was informed that my mortgage had been transferred to a different servicer, LoanCare LLC. I was not informed at that time that my monthly mortgage payment autodraft would transfer to the new servicer. I attempted to log in to the new servicer portal on or around XXXX XXXX, but the loan information was not available at that time for customers being transferred from my old servicer. Because the payment was due, I called and made a phone payment through their automated system that same day to ensure I would not be late with my payment. 

On XXXX XXXX, the autodraft came out of the account, resulting in a double payment. I called LoanCare on or around XXXX XXXX to request the additional payment be refunded, and I was told that the funds would return to my account on or around XXXX XXXX. The refund never appeared. I called XXXX XXXX at XXXX to follow up and was told the customer service representative on the first call had failed to inform me that I would need to submit proof of payment in order to have the refund processed. The CSR asked if I would like to begin that process. I declined, since the mortgage is now prepaid through XXXX, and it's too late in the month to have any cashflow benefit at this point. 

LoanCare 's communication at the servicing handoff and at their customer service line has been abysmal. If I hadn't transferred money from my emergency fund to cover the potential double payment scenario, I would have overdrafted. In the short term, this has caused significant cashflow headaches for my household.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I am writing to dispute the inaccurate reporting of my mortgage account # XXXX by Pentagon Federal Credit Union to the credit reporting agencies XXXX, XXXX, and XXXX. My mortgage account was placed on a hardship payment deferment program from XX/XX/XXXX until the mortgage loan was paid off in XX/XX/XXXX due to the financial hardships I faced as a result of the XXXXXXXX XXXX. My account should never have been listed as late. 

During the course of the hardship assistance program, I encountered numerous challenges and discrepancies in dealing with Pentagon Federal Credit Union. The process was plagued with delays, lost paperwork, unresponsiveness, and conflicting information from your representatives. In XX/XX/XXXX, despite being assured that everything was in order, I discovered that my home was in foreclosure, which forced me to take immediate action, including temporary bankruptcy filing, to avoid losing my home. 

Furthermore, the obstacles I faced in receiving a {$50000.00} Virginia XXXX grant to help with my mortgage payments were compounded by the difficulties imposed by Pentagon Federal Credit Union. These experiences have led me to believe that the actions of your representatives were intentionally obstructive and designed to put me at a disadvantage in order to facilitate the bank 's financial gain through foreclosure. I have detailed records of correspondence with your representatives as evidence as well as recorded phone calls. 

The inaccurate reporting of my account as late on my and the co-buyer ( XXXX XXXX ) credit reports ( 8 instances of 180 days late, 1 instance of 150 days late, and 1 instance of 60 days late ) is misleading but also severely impacting my ability to secure credit and adequate living arrangements. I demand that Pentagon Federal Credit Union correct my account to reflect that payments were made as agreed and that no late payments occurred. 

Failure to rectify this erroneous reporting promptly will leave me with no choice but to pursue legal action to protect my rights. This may include seeking restitution for the legal fees incurred, compensation for damages suffered, and punitive damages for the undue stress and hardship caused by the actions of Pentagon Federal Credit Union. 

I hereby request a timely response from Pentagon Federal Credit Union and urge for the immediate correction of the erroneous late payments on my loan account. Your cooperation in this matter expediently is appreciated. 

Thank you for your attention to this urgent issue.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (CA)

Regarding CFPB complaint number XXXX, on XX/XX/XXXX Credit Cntrl Corp claimed to have sent me written correspondence in response to my request for original creditor information. However, I did not receive any original creditor information or correspondence on XX/XX/XXXX. Also, I made my request for debt validation on XX/XX/XXXX. How could they have sent me the specific information that I asked for before I asked for it? 

CCC received my request for validation along with a cease and desist on XX/XX/XXXX. Yet CCC states their correspondence with me was on XX/XX/XXXX, meaning that they did not respond to the request they received on XX/XX/XXXX in a timely manner. 

CCC is quite literally admitting that they have failed to fulfill/acknowledge my request in a timely manner and by far exceeded the allowable 30-day time frame that the FDCPA provides in 15 USC 1692g ( b ).

CCC has violated 15 USC 1692c. I sent CCC a cease and desist demanding they stop contacting me through ANY AND ALL mediums. This includes my consumer report. CCC has been communicating with me through my consumer report consistently since I've sent my cease and desist. CCC never justified collection of a debt. I've included proof that they continue to update their account on my consumer report. 

XXXX XXXX
Consumer complaint received 2022-06-09
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. (GA)

On XX/XX/2022 EXPERIAN initiated a dispute in an account ( XXXX XXXX ) that is erroneously reporting on my consumer report. I, the consumer XXXX XXXX have disputed this account on multiple occasions. XX/XX/2022 XXXX, and XX/XX/2022. I have requested a copy of the investigation, in which EXPERIAN has failed to send. This account is inaccurate. It is reporting as a charge off, which is defined by the IRS as gross or ordinarily income. Income is to be excluded from the consumer report. This is a willful and negligent violation of the FCRA by reporting inaccurate info.
Consumer complaint received 2022-07-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

I was contacted by my homeowner 's insurance company about a letter they received from my debt collector/mortgage processer SPS Servicing XXXX 

In the letter, SPS Servicing, a debt collector, stated that they ( SPS Servicing ) have initiated a foreclosure action on our property due to a default under the terms of the security agreement. 

Legal action was initiated on XX/XX/XXXX. 

That means my home has been in foreclosure for 10 years. How is that even possible? 
Because there is a statute of limitations of 6 years for mortgage debt. 

First, there is no record within the Connecticut XXXXXXXX XXXX indicating any foreclosure proceedings whatsoever on our property. Their statement to my insurance company is patently false. 

Second, the collection agency sent us a letter dated XX/XX/XXXX, saying our mortgage was referred for legal action. ( NOT FORECLOSURE ) yet they told our Insurance company we were in foreclosure. They said we have alternatives to Foreclosure. We have communicated tirelessly with this company to no avail. They either disregard our requests for validation and/or refuse to discuss options that are viable to our financial situation. 

Furthermore, we have written to the mortgage/debt collector for validation of the debt and the name of the holder of our actual deed, and they responded with a trust company. We submitted a letter of debt validation to the trust company on XX/XX/XXXX. They did not respond. 

As of XX/XX/XXXX, we were contacted by another debt collection agency for the mortgage. We have since requested a validation of debt with them as well.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

REGIONAL ACCEPTANCE-ACCOUNT # XXXX WHY is account reporting different dates of last activity, different dates that the account was opened and different dates of last activity as well as a past due of amount of {$4300.00} all are being reported inaccurately by the provisions of the Fair Credit Report the standards of reporting compliance implemented with the XXXX  enacted XXXX XXXX XXXX XXXX XXXX, I have a right to a fair and accurate credit report, and you are to remove any information that is not true, accurate and compliant. Under the law FCRA USC 15 1681 EACH ALL UNPROVEN, INCOMPLETE, UNTRUE, INACCURATE INFORMATION MUST BE PERMANENTLY DELETED.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (LA)

Netspend closed my account in XXXX with {$3800.00} left in my account, Ive been dealing with them trying to to release my funds but they wont release my funds to me because they said I need a XXXX form, I got my lender to send it and they still refuse to release my funds and I been dealing with this for months.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act XX/XX/XXXXaccount XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XX/XX/XXXX# XXXX, XXXX, # XXXX,XX/XX/XXXXXXXX # XXXX, XXXX # XXXX, XX/XX/XXXX# XXXX, XX/XX/XXXX # XXXX # XXXX,XX/XX/XXXX / XXXX XXXX XXXX # XXXX # XXXX, XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX,XX/XX/XXXX# XXXX,XX/XX/XXXX # XXXX,XX/XX/XXXX # XXXX XXXX # XXXX, XX/XX/XXXX # XXXXHas 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 ; also states a consumer reporting agency can not furnish a account Without my written instruction.
Consumer complaint received 2022-06-30
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Dear XXXX, Equifax XXXX CFPB I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely,