davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
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: TD BANK US HOLDING COMPANY (NY)

1- On XX/XX/XXXX transaction amount of {$330.00} at XXXX XXXX 2- On XX/XX/XXXX transaction amount {$140.00} at XXXX XXXX # XXXX 3- On XX/XX/XXXX transaction amount {$14.00} at XXXX XXXX # 12 On XX/XX/XXXX I noticed these fraudulent transactions and reported these fraudulent transactions to TD Bank Ph. # XXXX, got my card blocked .I was told the complaint would be investigated On XXXX I received a letter dated XXXX, showing my complaint as case # XXXX from Dispute Resolution Department of TDBank stating that chip was used for these transactions and since the card was with me all the time, they could do nothing about it and that I was responsible for payment of these transactions. 
I called TD Bank # XXXX on XXXX and contested the decision.I assured the Bank time and again that the card was with me all the time and I had never made the three transactions. I was told that they would open this matter again for investigation which would take 60 days. 
On on XXXX, I noticed a late fee levied for these transactions.I called Dispute Resolution Department on XXXX again and reported the matter.I was told that my complaint on XXXX was not showing on their system and no action had been taken.My call was transferred to customer service, from customer service I was transferred to Credit card services and then back to Dispute resolution department where I was again told that chip had been used and since I had stated card was with me all the time I was responsible for these transactions. 
On XXXX I sent emails to XXXX and XXXX about this matter and that I was being held responsible for these fraudulent transactions and forced to pay.This email was forwarded to Chairmans Service center for TDBank.I received a call from this office from # XXXX on XXXX and was informed that they will look into the matter. 
On XXXX I received a call from Chairman Service center, ph # XXXX Informing me again that since chip has been used I am responsible for these transactions In spite of my repeated statements that I had never made these transactions nor anybody else did it on my behalf and the card was all the time with me, the bank refused to accept my statement and I was repeatedly told since I was in possession of the card I was responsible for these fraudulent transactions.I told them that my Bank profile information/ID could have been compromised in the bank, card made and used to make fraudulent transactions in my account.I explained to them that I have been using this card since XX/XX/XXXX and have been paying for transactions on time and without incurring any late fee or fines. 
I had no other options left other than approaching CFPB to get this matter solved.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I submitted my Driver license, proof of address and social security both fax and through the mail services that was last year in XXXX and my birthday has yet to be get update though equifax. My birthday is XX/XX/XXXX. Equifax has it shown as XX/XX/XXXX.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CO)

I received a call from Chase bank on XXXX, XXXX XXXX at XXXX stating a person from Florida had access to my XXXX account, and had stolen {$2000.00}. I was told by the customer service representative that I needed to send the money back to myself in order to stop the fraudulent transaction from happening. I was given the phone number XXXX and the name XXXX who also worked with Chase. I sent two transitions ( each for {$1000.00} ) and waited while they told me the funds needed to be encrypted and send back to myself. After realizing a few moments after that this was a scam, I immediately called Chase bank back and told them what was happening. 
After waiting 10 days for the company to review my claim, I was told that I was the one that authorized the payment and I would not receive any protection from this scam. 

In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act of XXXX, also known as Regulation E. The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''
Consumer complaint received 2022-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 1st Fidelity Loan Servicing (GA)

My name is XXXX XXXX XXXX, and my loan number is XXXX  XXXX. I have been making my mortgage payments directly to S and A Capital at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. FL XXXX, telephone number, XXXX. 
As of XXXX XXXX Eastern Time, Tuesday, XXXX, the following checks have been mailed to S & A, but never cashed or presented for payment : Date Check # Amount XX/XX/XXXX unknown {$220.00} XX/XX/XXXX XXXX {$220.00} XXXX XXXX {$220.00} XX/XX/XXXX XXXX {$220.00} I was told by a representative of S and A Capital, that your firm was now handling my mortgage payments. Please let me know that you have received the items listed above, and that they will be processed as soon as possible. 
Is there another address that I should mail the payments to? Please advise. 
Will the XXXX, XXXX and XXXX payments be credited to year XXXX and be credited to the 1098 tax form for that year? Please advise. 

Thank You. 
XXXX XXXX
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

U.S Department of Education has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Loans from XX/XX/2012 XXXX XXXX College is the College attended XXXX XXXX, Mo U.S Department of EducationXXXX XXXX has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Same loans from XX/XX/2012 XXXX XXXX College is the College attended. XXXX XXXX, Mo
Consumer complaint received 2019-10-23
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. (TX)

The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX- XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX  and Transunion on 4 separate occasions with no response or removal. This is direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
Consumer complaint received 2022-01-14
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. (OH)

My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I was working in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted XXXX XXXX  XXXX, XXXX, and XXXX to let them know that I was affected by the pandemic and would not meet my obligations in XXXX. I asked if I could skip the XXXX payment, which I would catch up on in XXXX when I received my income tax return. But because these accounts were closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note current accounts. I was discriminated against because I faithfully paid what I owed to the credit card companies. Before XXXX of XXXX, I had never had a delinquent payment in my 32-year credit history. Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these four past due payments, my credit score has dropped over XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. 
I am a single parent whose ex-husband is a convicted fleeing felon, whom I have had no contact with since XX/XX/XXXX. I have two children. My daughter has XXXX, in which she continues to have multiple follow-up appointments out of state. My son has XXXX, which he was XXXX for when I had the first financial hardship. I do not get child support and have no family to help me. I used credit cards to help me take care of my children. 
I would like for these credit bureaus to remove all four delinquent payments from these three banking institutions. Please help!
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

This vechile was reposses from me in 2016 when the car was taken I never received the documents in the mail for the car being sold which it should have been sent to me. I have a cease and desist order with the company as they are not allowed to speak with me over the phone nor contact anyone as they contacted neighbors and advise that I did not pay my bill. I reached out to XXXX XXXX who is the complaince specilaist to ask what is the settlement on this account. They are still charging me interest on the account in the state of IL once the account is charged off I should not be charged interest for the loan they are reporting the loan to be closed but still the dollar amount has gone up over the year. I have reached out to the attorney general in the state of Illinois to advise of what this company is doing and she asked me to ask for a settlement and if they do not want to work with me I can file charges against them. I have done that and today XXXX told me via email that in order for her to help me I would have to remove the cease and desist on the account as they are not able to speak with me about it. I advised her that I will not remove this as the only communication I should get from them is in writting nothing over the phone nor will I provide them contact number. I have not been able to get the company to one remove this after the information that they are reporting to the credit company is not accurate they said that it is. I now would like to have the signed contract that states when the car is taken I will still be charged for the car interest even after the car is sold. In state of ILLINOIS this is not possible when the account is charged off. So I will like to have the documents sent to me and if they are not able to provide this to me I will per the FCRA they have to provide me the sign contract for me taking the car and saying they can still charge me.If they can not provide that I will like to either be offered a settlement for what was left to pay on the car or removed off my credit.
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (OH)

I am submitting on my son 's and my behalf. My son XXXX XXXX  attended XXXX and graduated in XXXX. On some of his student loans, I was a co-signer. I'm sorry, it has been more than 7 yrs when he graduated from college I do not recall or remember all of the details on the loans. According to a letter I received XXXX XX/XX/XXXX, this student loan from XXXX XXXXStudent Choice was charged off XXXX XX/XX/XXXX and it shows as such on both of our credit records as being " charged off ''. I have not heard of or remember handling the loan, is a Debt collector from any company in New Jersey, named MRS and wanted to know why they were contacting me? Since I didn't remeber the dedt, the loan or amount. So, I called to ask what it was in reference to and clarification. He explain it was for a student loan for my son XXXX and I was being notified due to being a co- signer on a Student loan 's that was over 7 yrs ago. He also stated that they had sent the same written informationto XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2020-07-13
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: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX My Barclay XXXX XXXX XXXX Mastercard was charged 4 times for concert tickets from XXXX XXXX XXXX XXXX   totaling {$4900.00}. I did not make these charges- they were the only charges on the card. I was out of town and was injured so came home. I did not realize my backpack with my planner was not with me. I received a bill in XXXX with the charges on it- I called Barclay and was told to dispute it. I did. My mom came to town to help me. She paid off my card not knowing about the dispute. SO Barclay was accidently paid for the disputed charges in XX/XX/XXXX. I requested my money back in XXXX and XXXX Barclay never sent the money back. 

XX/XX/XXXX, I receive a letter stating I am responsible for the 4 fraudlent charges because box office ticket sales knows my personal information. All of the information is on my facebook page, planner or public information. I hire an attorney to help me. I discover the charges were for concert tickets in XXXX and XXXX. I was and still am injured- physically compromised. THEN I get a bill in XXXX reopening my credit card with 3 more of the 4 disputed amounts being charged to me again!! So now I have paid off the disputed amounts and am being charged again for 3 of them totalling {$3900.00}. My attorney can not get Barclay to answer him, I have filed a complaint with NC Department of Justice Attorney General- they can not get Barclay to answer them. They sent me to you. i have spent over 120 hours and countless avenues trying to get this resolved. barclay does not see their rebilling error and has denied me any help with the fraud or dispute case. I have spoken to their manager, collections attorney, investagtion department all without any assistance.It takes over 3 hours to get anyone on the phone XXXX XXXX XXXX. HELP ME PLEASE!!!!!!!! I am out $ XXXX for annual fee and am being asked to pay for rebilling error of {$3900.00}!!!! 

I have contacted XXXX XXXX XXXX XXXX and they were paid for 4 charges not 7. They stated the tickets were not used. So barclay has not paid the merchant for their rebilling error!!!
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

I had an account with XXXX  that was sent to a collection agency ( convergent outsourcing ). I made arrangements with the agency to resolve the debt in which they were on autopay so that the payments were made on time. From XX/XX/2021 I paid XXXX and until XX/XX/2021 I made arrangements of XXXX. I ended up paying it off early in XXXX of 2021. After paying off my balance the company went on to charge my card again in XXXX for {$370.00} and in XXXX charged it again. I tried to reach out to them but had no luck by phone. I decided to write an email and was then contacted. I was able to get a reversal on the XXXX payment and was told they would reimburse me for XXXX. To this day I have not received my money.
Consumer complaint received 2022-01-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

Rushmore loan management will not provide us with a timely and updated copy of the last 12 months worth of payment history for us to have our new mortgage approved. We filed a notice of error because our payments weren't being debited, this seems to have been updated, but Rushmore will not provide us with paperwork with the accurate updated payment information. They also refuse to communicate through email or written channels, which is very sketchy. We need this information for our new loan and they will not give it to us. Their online portal is supposed to provide thisinformation, but just keeps directing us to their very unhelpful customer service line. We need this information as soon as possible ( 12-month payment history ), and we need it to be accurate. Requesting this paperwork should not be such a hassle, and we should be provided it in a timely manner, considering this is often a part of the loan approval process. 

Servicer : XXXXushmore Loan Management Services Name : XXXX XXXX XXXX Loan Number : XXXX Address : XXXX XXXX. XXXX XXXX, PA XXXX Social Security Number : XXXX We have put in a request via fax, with a number that was given to us, and I'm attaching it below. 

I'm also attaching previous proof of incorrectly debited payments, from our previous notice of error and complaint we filed. That is the zip file that is attached. The portal seems to have resolved, but again we have no statements or copies of payment history to prove this. I'm attaching screenshots to show the lack of available documents in the portal as well.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (VA)

I have started receiving emails feom community bank and receiving calls. I then blocked all numbers and started receiving no collar id calls. Which was again from comenity bank. So I started not answering. Then I began receiving emails from XXXX XXXX. I blocked them because I had never even heard of them before and the emIls were getting ridiculous. Yesterday I received a bill from comentiry bank for XXXX XXXXXXXX. The bill is addresses to me. The info has only a account number blocked out except for the four last digits of an account. For a {$230.00} the only place on the bill that has my name on it is the return payment with a XXXX XXXX . I called them and the person that picked up had a pause and delayed reaponse and tried to ask me for personal information
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter asking Transunion, XXXX, XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
According to the 15 USC181i- XXXX Transunion XXXX have 30 days to investigate and send me the results. And they also didn't record the current status of the disputed information which is another violation. I have all the evidence attached.
Consumer complaint received 2022-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

On XX/XX/XXXX I requested some assistance from Toyota Financial due to medical bills that have been piling up. I went on to their website and requested a payment extension through their support center. Toyota responded to me on XX/XX/XXXX saying it had been approved and stated my next due date is on XX/XX/XXXX. I received a call being told I am XXXX  days past due and I shouldn't be. I should only be XXXX days past due and I planned to make my payment on XX/XX/XXXX. The agent I spoke to was not actively listening and not validating the incorrect info.