davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NC)

RE : Complaint ID # XXXX I just received a letter from TD Card Services regarding my dispute with XXXX XXXX XXXX dated XX/XX/XXXX. 
They state the following : I opened a claim on XX/XX/XXXX in the amount of {$5800.00} XX/XX/XXXX I was issued a refund in the amount of {$290.00} and stated I did call back to dispute the whole amount of {$5800.00} and not just the {$290.00}. According to documentation I disputed the whole amount of {$5800.00} with my first phone call to TD Card Services on XX/XX/XXXX. 
TD Card Services closed the case on XX/XX/XXXX, which was after the 90 day limit. When I called they said it was a mistake and the case was re-opened. TD Card Services said I re-opened the claim when actually I did not re-open the claim, TD Card Services did as they stated to me. Due to an error on their part. 
TD Card Services again went past the 90 day limit. I received a letter ( please see attachment ) dated XX/XX/XXXX stating when I have previously stated. Also please refer to Complaint ID # XXXX. 
I do believe in my opinion that because TD Card Services did not do their due-diligence and went past their deadline to recover the {$5800.00} from XXXX XXXX XXXX, which is stated in the letter addressed to me~ that they no longer have charge back rights. They are discriminating against me even though I have gone over and above of what TD Card Services has asked of me and been more then patient since XXXX regarding this dispute. I honestly thought they would back me up in this dispute as I have been with TD Card Services for many years. 
Please refer to Complaint ID # XXXX for all the documentation and notes regarding this claim.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY (CA)

I had an auto loan with Wells Fargo, my vehicle was repossessed and when the car was sold there was a surplus that was to be given to me in the form of a check. I never received the check and was told they would send it out again and still I didn't receive anything. I called the auto loan department again to resend the check and they informed me that it had already been cashed, and I informed them I wasn't the one who cashed it and they said they couldn't help me since the check wasn't deposited to my account. When I asked to speak to the check fraud department and they said they didn't have a department for check fraud. The only information they could give me was the check number and the date of when it was cashed. I asked if they could tell me who the check was made out to and where it was cashed so that I could file a police report. They still didn't give me any information and weren't helpful at all. The keep telling me the same thing, and haven't given me any information for me to be able to file a police report. I have been dealing with this issue since XXXX of 2021 and nothing has been resolved.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct NO. XXXXXXXX XXXX  : {$1000.00} Bonus issue unresolved after Numerous Communications with your bank On XX/XX/XXXX I applied for and opened a Citi Priority account onlineIn A Few Easy Steps from your ad featuring a bonus of {$1000.00} with a deposit of {$75000.00} and on the XXXX day the account time starts for 60 days and a requirement to keep the account open for an additional 3 months. After the 60 days a reward will be applied but the account must stay opened an additional 3 months. The web site application does not contain an award code or application code, just a statement of required activities based on the deposit amount. 

I deposited {$76000.00} on XX/XX/XXXX and at any time the account never went below {$75000.00}. After numerous inquiries about the bonus a award code was entered by the citibank rep and sent for resolution which was repeatedly denied since the award code applied was incorrectly entered since there was NO BONUS code in the application just the RULES. XXXX requests were made and always denied because the code applied was incorrect. 

After numerous verbal communications with Customer Service I was unable to communicate the real problem as your web site for the award does not contain a code or award number just the application and the rules. You can try to make an application from the site to see if a code or transaction will apply to the rules and award. 

I find this process completely inexcusable and decided to terminate my account relationship as of XXXX XXXX ( 6 months of accrued interest ) with your bank as no action on your part was able to provide the satisfactory resolution and will place my {$75000.00} in a bank that will honor the rules of a new account offer. Should you wish to make good on your original offer I will revisit applying my money with your bank. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

I did not consent to this inquiry. I demand the creditor remove the inquiry. If they fail to remove the inquiry it will be a violation under Fair Credit Reporting Act ( FCRA ). 

Remove inquiry immediately or pay {$1000.00} per violation
Consumer complaint received 2022-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (WA)

I have called several times, my family friend who is a realtor, and retired loan XXXX has called and email. 
When you call them to start the process to remove the XXXXXXXX of the mortgage, they refuse to help and to you to send a email and refuse to help. 

They tell you the process could take up to 30 days. 
We started this process in middle of XX/XX/XXXX, and sent a email on XXXX XX/XX/XXXX and XX/XX/XXXX, they responded on XX/XX/XXXX taking about the 30 days again, we responded on XX/XX/XXXX and still no answer. 

This process is going on 2 months, with NO PHONE CALL, NO BPO, TO REMOVE MY XXXX  ON MY HOME. 

My mortgage balance is less than $ XXXX, and the homes in my area are valued around XXXX. 

see attached email thread and cma sent.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

The account was placed with our office by creditor XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Creditor retains ownership of the account. This is not a purchased account, the creditor retains ownership. The account was placed with our office for the purpose of collecting. On XX/XX/XXXX our office mailed validation to the consumer to the address on this Complaint. Validation included the Statement of Deposit and signed Lease. The consumer states she does not owe, but does not give any explanation as to why. Without further explanation, the account will continue to report and will not be returned to the creditor. This is the response by XXXX. 

I see that on XX/XX/XXXX XXXX got sued due to " ailing to maintain reasonable policies and procedures regarding the accuracy and integrity of the information it furnishes, including the handling of consumer disputes, failing to conduct reasonable investigations of certain consumer disputes, and failing to cease furnishing information that was alleged to have been the result of identity theft before it made any determination whether the information was accurate ''. 

This company stated on a recorded line on XX/XX/XXXX that this debt have not been validate but yet in XXXX they said it was validated. I spoke to a representative named XXXX in the collections debt. 

This is an assumption that this debt is mines and no validation and verification have been taken place. This should have been before defaming my character and violating my rights.
Consumer complaint received 2022-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I have tried to resolve this issue with a navient and they act as though the issue is resolved before the call is over but then I get erroneous letters that only go to my Navient XXXX that do not match what we discussed. 

In XX/XX/XXXX I received notice that it was time to renew XXXX. I submitted requirements by the deadline and it was approved XX/XX/XXXX. 

Beginning XX/XX/XXXX I was to pay {$23.00} per month. 

I logged into the Navient site on XX/XX/XXXX and my payment stated that I owed {$140.00} XXXX knew that wasn't correct, based off the letter I received but did not want my credit to be effected so I paid it. I logged in sometime after XX/XX/XXXX to see if it was corrected and it XXXX not I called and was told my monthly payment was {$130.00}, I eventually asked for documentation because the site had greyed out my XXXX agreement and it was not accessible. I spoke to another representative who stated that the accounts were not aligned correctly on the same payment schedule and one she corrected it she advised me that my payment amount was no longer displaying a payment of {$130.00}, but {$22.00}. She advised me that the change should be available to view within XXXX hours, so wait to make payment. Around XX/XX/XXXX, I logged in and paid {$25.00}. Then, around XXXX, Navient sent me a delinquency notice for payment of about {$15.00}, stating that they had not received payment for XX/XX/XXXX. I could clearly see the payments reflected on XX/XX/XXXX and XX/XX/XXXX, but again I cant allow my credit to be compromised so I paid the {$15.00} on XX/XX/XXXX. I have now paid 7 months of my required payment and even prior to this incident the billing has been extremely sketchy. Can some one please review this company and their practices because I feel that they are taking advantage of me and I can not get anyone in this company to make this make sense. I am extremely upset that I have made over {$180.00} in payments for one payment they was supposed to only be {$23.00}! And they have the nerve to send me an erroneous delinquency letter, when in fact they owe me. You have my permission to dive as deep as necessary into the lifetime of my loan with this company. I have been trying to have them explain to me since XX/XX/XXXX, why my balance states {$140.00} with no clarity. I have made several payments to avoid late fees that come to nearly {$700.00} and they just keep taking the payments and telling me I owe more and more. This is not right. I am a single parent and can not keep this nonsense up in our current economic state. I'm exhausted working overtime to pay balances that should not be. Please review and take necessary action to resolve this unethical activity that is going on with my account. Thank you.
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My three mortgage loans with XXXX were bought by NewRez ( Shellpoint Mtg ) in  XX/XX/2020. I unescrowed my insurance with XXXX in XX/XX/XXXX and paid my insurance directly to my insurance carriers. NewRez Autodrafted/ ACH my insurance in the first month XX/XX/2020 including insurance. I called them immediately and informed them they were not to escrow insurance of which they adjusted the XX/XX/2020 payments correctly. However after many calls, several escrow analysis, harsh treatments, hanguos and multiple transfers, I have not been able to get them to acknowledge that the XX/XX/XXXX insurance money they ACH collected wrongfully in XX/XX/2020 needs to be refunded to me on all three loans. They simply say we are good, no refund and we are not paying your insurances. I have spent hours on the phone and spent 10 different people conversations today again, with nonresolve.
Consumer complaint received 2023-01-17
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-15
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. (FL)

I have sent letters to the reporting agencys to remove all negatives remarks all late payment all inquiries on my accounts but the refuse to do so.scammers have also use my social security number to apply for things I have no knowledge of
Consumer complaint received 2021-12-07
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (IN)

Affidavit of Truth This is a notice to all that I am XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Indiana XXXX, XXXX, XXXX, swear and affirm the following facts. 
I am invoking my specialized remedy as a consumer under Federal Law 15 USC 1692. Of the Fair Debt Collections Practicing Act. As a Federally protected Consumer My privacy has been willfully violated ( 15 USC 1692a ). XXXX XXXX, XXXX. Is attempting to collect a debt that has not been authenticated nor verified by me the Consumer. No sworn testimony has been submitted that proves that this alleged debt is true and not subterfuge. Further I have never given permission for XXXX XXXX, XXXX. To have access to my personal information, nor contact me, 15 USC 1692c ( A ). 
This is my second attempt at correcting this matter. Again, I demand that all attempts to collect a debt be ceased! I demand that this alleged debt be erased from all Credit Reporting Agencies as it relates to my name. I demand that an apology be mailed to me, and that remedies be paid for the violations listed below, 15 USC 1692k.

Exhibit # 1 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692e ( 2-A ).

4 ) 15 USC 1692g.

5 ) 15 USC 1692a.

6 ) 15 USC 1692e ( 5 ).

7 ) 15 USC 1692b ( 2 ).

Exhibit # 2 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692c ( B ).

4 ) 15 USC 1692c ( A ).

5 ) 15 USC 1692b ( 2 ).

Exhibit # 3 : 1 ) 15 USC 1692b ( 5 ). 

I have not received any sworn testimony from your offices that the alleged accounts are compliant and not subterfuge. I have Ccd the CFPB with my sworn affidavit of truth in this matter.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

Ive been a victim of a scam. I saw an ad for an apartment on XXXX marketplace which has been reliable in the past. But I applied for the apartment the landlord said I had to pay first months rent and security deposit prior to seeing the apartment. So I did and then he has me wait a week then says I have to pay second months rent before seeing it as well.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-17
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. (VA)

In accordance the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

I was notified by my credit monitoring servicer that my XXXX XXXX XXXX card serviced by Commenity Bank had been closed. I called the bank and I went through all the options until I received a generic message that stated, " If your accoung was close by the bank there is nothing that you can do and the bank has made that decision. However, if you would like to reapply you XXXX. '' I then logged into my online account which is still showing active to check if I had missed a message from the bank in the last 120 days regarding inactivity and there was no such message. Each store has their own policy on credit, and that is usually covered in the agreement you signed when getting the card. I should have been sent a letter stating which credit bureau they consulted if closing due to credit issues XXXX which there are none XXXX or what information led to their decision. They have failed to provide this information and are in violation of federal credit laws.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (PA)

Need for XXXX, Equifax, and XXXX to REMOVE these accounts that were Furnished without my written consent ; 15 U.S. Code 1681b. In order to furnish my report, You must have my written consent. I did not give my written consent and I did not give Anyone written consent to login to a court website, and furnish my information Upon my consumer report. I have the right to privacy as a consumer under 15 U.S. Code 1681b ( a ) ( 2 )
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

On XX/XX/XXXX I received an email from Discover. The email was requesting that I complete IRS Form XXXX XXXX XXXX. I first thought why & under what authority does Discover have to request my tax returns. I called Discover Credit Card & spoke to a Discover Representative & shared my concern. She advised me to ignore it because it was a scam, but I felt that she was not taking the matter seriously, so I asked to bespeak to the FRAUD DEPARTMENT. The Fraud Dept. Rep. advised me that Discover is demanding that I complete IRS Form so they can verify mt identity and taxes. I asked the Representative under what authority? I was told in a patronizing & sarcastic tone " IN THE CREDIT AGREEMENT '' I looked at the agreement & couldn't locate the wording. I asked the Rep.To please guide me to where on the agreement it states that Discover can at any time ask for my tax returns. The Rep.stated, " I don't know where it is ''. I asked to speak to a Supervisor and was told that a Supervisor was not available & if I don't comply my credit cards will be permanently closed. I had one Discover Card & since day one I have an EXCELLENT payment history.i had the card from XX/XX/XXXX until XXXX. I refuse Discover to have access to my Tax Returns. Allowing Discover access to my confidential IRS data is insane. They already have access to my entire credit reports from the credit bureaus & the authority to share all my private information with their business partners & affiliates.