davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I opened a checking account with TD Bank in XX/XX/2018. I was told for the first 90 days my deposits would likely get a hold placed on them, including my paycheck. I was okay with this and understood. However, it's been well after 90 days and my paycheck gets a hold placed on it continuously. I get paid bi-weekly, generally the same amount, and I'm told by the tellers that the funds should be available the next business day. In my experience with banks, usually the funds are available Saturday if you deposit Friday, however this has not been the case except for one time. Since opening my account, my paycheck has not cleared as expected except for one time. This causes me to have to visit a branch, I've been to multiple locations and spoke to managers at 3 separate branches. I'm told these holds are dynamic, and that they can release my funds manually but can't give me a reason why it's happening. I've been assured it will be handled, but it still has not. I'm afraid to deposit my check into my account because sometimes the hold lasts 3-4 full business days, almost a full week from the deposit date. I have automatic bill payments going through, as most people do these days, and it will cause overdrafts, which I have to spend more time in the branch getting refunded.I keep being told the " back office '' needs to fix the problem, however consumers can't actually speak to anyone there. I went into the branch in XXXX, FL today, and spoke to XXXX ( XX/XX/18 ). He said he saw notes on my account relating to the problem I describe, but couldn't provide any details or updates. I just don't think I can deposit my paycheck again with TD Bank, it's becoming such a burden and inconvenience.
Consumer complaint received 2022-09-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received emails from Bank of America and XXXX XXXX stating my application was approved for a credit card maybe about a month and a half ago. Maybe a week after I received that email I got another email saying they will be mailing my card to me. I then got in touched with both Bank of America and XXXX XXXX to let them know that I didnt open those line of credit. They said they would take care of it. I also put a freeze on my credit from all 3 credit companies. I just received s notice from my chase account that my credit score went down XXXX points. Could we fix this issue sj my credit goes back up to where its suppose to be. Please and thank you
Consumer complaint received 2018-11-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: LUCKY MONEY, INC. (NJ)

Ive always send money through Lucky Money but now they suddenly changed the turn around time for receiving the funds to 5 business days!  Who does that? Never again. They said the policy was changed and I was not aware and was never informed. Every month I always send money through them and now they suddenly changed the policy. Plus their customer service is USELESS! Transaction # XXXX. I have to send an email to their dept. when they already took money from my bank. Now I am screwed with my payment due in the XXXX. Thank you Lucky Money for the inconvenience youve caused me Thank you,
Consumer complaint received 2018-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I had several fraudulent charges appear on my account. 
All charges happened at the exact same time and fro the exact same ammonts {$100.00} each. 

I did not make or authorize any of these transactions. 

I opened a dispute with PayPal and was quickly denied any recourse.
Consumer complaint received 2021-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I contacted TransUnion on multiple occasions to try to address some inaccuracies on my credit profile. There are multiple inquiries that I do not recognize nor did I give consent to any of the companies to run my profile. The inquiries will be listed below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Not only did I not authorize these inquiries, its inaccurate as I have no accounts with these companies. I want the inaccuracies removed immediately as you are to only report accurate information
Consumer complaint received 2022-10-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

RUSHMORE LOAN MANAGEMENT aided fraud loan schemes with bank loans that have been assumed for collection from XXXXXXXX XXXX that has been cited for identity fraud loan schemes for over a decade. 

Rushmore Loan Management is working with the collections of all XXXXXXXX XXXX  loans and will not provide any information to authorities about my identity theft loan fraud schemes that stole hundreds of thousands in loans away from my property. 

The thief is reported to be in XXXX and will stopped paying off fraudulent loans, that Rushmore Loan Management refuses to supply any documents after I reported the loss and extensive damages. 

Rushmore Loan Management refuses to compensate my losses per XXXXXXXX XXXX identity fraud schemes under several loan bank online website that XXXXXXXX XXXX owns such as XXXX, XXXX XXXX, XXXX, and possibly more names. 

The property has been used to facilitate fraudulent loans without my knowledge and Rushmore Loan Management will not accept any accountability and hired attorneys XXXX XXXX XXXX, who use courts to harass and intimidate me, the victim of identity theft. 
I am being harassed by attorneys of XXXX XXXX that assumed my identity, assumed data information and allowed fictitious loans schemes using my valuations, my property and my identity theft for financial crimes. I reported I am victim violated by identity theft fraud of their crimes and contacted authorities regarding fraudulent misrepresentation practices regarding fictitious loans. 

Here is an example of bad communications and hostility to victim who shared all the CFPB orders that have been filed by CFPB for the protections of victims harmed by XXXX XXXX loan fraud identity schemes. 

" XXXX XXXX, This is the last, and only, time I will address your various filings. They are nonsensical, irrelevant to the pending foreclosure action, and are sanctionable as frivolous pleadings. If you continue this course of conduct, I will seek sanctions. '' Sincerely, XXXX XXXX, XXXXXXXX XXXX Litigation Attorney Email : XXXX Tel : XXXX EXT XXXX Fax : XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/202XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : XXXX XXXX  XXXX XXXX XXXX ; Case No. : XXXX I filed affidavits detailing federal racketeering, plus affidavits for relief due to counterclaim, detailing the public corruption, I filed affidavits for relief and had no response to those affidavits.
Consumer complaint received 2023-01-30
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. (DC)

I discovered that the same accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be reinvestigated and corrected : XXXX XXXX XXXX Balance Owed : {$850.00} ; XXXX XXXX  XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

My name is XXXX XXXX XXXX. My Merril Acct No. : XXXX I sold my XXXX XXXX  stock option on XX/XX/XXXX and received wire transfer confirmation post mail which shows that transfer date is XX/XX/2022 and transfer amount is U {$19000.00} and money was remitted with XXXXXXXX XXXX XXXXXXXX. 

Even though Merrill  says the money was wire transferred to my bank account ( XXXX XXXX  XXXX ) on XXXX XXXX, I didn't receive it. My bank says, no money was arrived to my bank acct. 
I called Merrill  more than 20 times to trace the money but still the money was not traced down.

Merrill  sent me XXXX Form and I submitted to my bank but still there was no money arrived to my account. 
Merrill  said they recalled around 2 weeks ago and promised me to advise where the money is. I left my mobile number more than 5 times but didn't get any feedback. 

To trace down the wire transferred money, I'm calling to Merrill every night ( they have the record that I called them every night XXXX time at XXXX XXXX ) Pls check and advise where the money currently is. It is already passed 1.5 months since I sold my stocks! 
If you need another bank acct, pls let me advise the below. 
XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX  ). I believe this account has no problem in receiving the money in XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing a copy of my consumer report, it has become evident that your company, as a consumer reporting agency, and the alleged " creditor '' have unlawfully provided my information without my written consent, as required by 15 USC 1681B of the FCRA. It is crucial to emphasize that I do not consent to the unauthorized furnishing of any of my information by any means, pursuant to my rights under the FCRA. 

Accounts listed below : XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXXT # XXXX Furthermore, as per the provisions of 15 USC 1692a ( 2 ) of the FDCPA, it is clear that the transmission of information regarding a debt, directly or indirectly, through any medium constitutes a " Communication. '' The term " any medium '' encompasses various forms of communication, including oral, written, electronic, and more. Thus, the furnishing of my consumer report, which contains information regarding the alleged debt, would fall under the definition of " Communication '' under the FDCPA.

In accordance with my rights under 15 USC 1692c ( c ) of the FDCPA, I am hereby providing you with formal notice to immediately cease any further communication concerning this account. This includes, but is not limited to, telephone calls, emails, social media interactions, or any contact made through a Consumer Reporting Agency.

Please be advised that any further contact or communication from your agent or company, except for a communication acknowledging receipt of this letter, will be considered a violation of the FDCPA. Please take this notice seriously, as I intend to enforce my rights under the law.

By disregarding this cease-and-desist notice, you leave me with no choice but to initiate legal action against your company. Any ensuing legal action will seek the appropriate remedies and potential damages available under the FCRA and the FDCPA.

I kindly request your prompt attention to this matter, and I trust that you will comply with this cease-and-desist notice without the need for further legal intervention. Please acknowledge receipt of this letter in writing to confirm your understanding and commitment to comply with the provided instructions.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (CA)

I contacted early warning services and XXXX XXXX XXXX in reference to my checking account. I resolved all of my responsibilities. I experienced major issues with XXXX XXXX XXXXXXXX improperly noting my account from a deposit error. They charged excessive fees, I paid even though it was erroneous just to restore my good name. Im a XXXX XXXX, 100 %. Im not rich. I was recently still denied a new checking account because after contacting both companies no repair has been made. Ive now been constantly battling identity theft since 2001. Its disheartening and exhausting. Please compel this corporation to remove the negative reports.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: P.S.C., Inc (MO)

In reviewing my credit report I noticed that I have a " collection '' account listed from Puget Sound Collections. Upon reviewing this information it indicates that it was opened in XX/XX/2020, the balance is XXXX, and it indicates that the original creditor was " XXXX XXXXXXXX XXXX XXXX  ''. I had previously disputed this to no avail. I had insurance the entire time I lived in WA XXXX from XXXX. At no time did I got to a doctor where insurance was not active. I do not owe anyone for any medical bill. This is also a medical debt, per the information provided, and should not be on my credit.
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

An account that was showing as closed XX/XX/XXXX by XXXX XXXX with a balance owing of {$500.00} was purchased by Portfolio Recovery Associates. As I made a payment to XXXX XXXX after closure, there is no balance owed to XXXX XXXX. I have recently since opened XXXX XXXX XXXX credit cards. 

Portfolio Recovery Associates alleges they purchased this debt in XXXX of XXXX, and are reporting a balance of {$580.00}. As I know that the balance that I paid to XXXX XXXX was only {$500.00}, I have disputed this account with PRA on all 3 bureaus and requested verification/validation of this debt that was never provided. PRA reported this debt to all 3 credit bureaus as verified and did not delete the collection although they never evidenced their account nor proven this account actually belonged to me.
Consumer complaint received 2022-12-14
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood has restricted my account, preventing me from opening new positions or adding/withdrawing funds. They initially said they would provide an update on the XXXX, but have not explained why my account was restricted. Ive reached out to customer service, but theyve offered no clear information. Ive read concerning reports from other users whove had their accounts closed, with funds withheld, and Im worried that this could happen to me as well. I need transparency and access to my funds as soon as possible.
Consumer complaint received 2020-09-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

I received a request from Quicken Loan to do a " steam line '' refinance of my existing VA loan. I applied. Quicken Loan immediately put {$500.00} on my credit card. I was told it would be applied to the cost of the loan or refunded. Quicken denied the loan and now refuses to refund my {$500.00}.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (MS)

VALIDATION AND CEASE AND DESIST National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear National Credit Adjusters LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I was charged {$160.00} with the line " XXXX XXXX XXXX XX/XX/XXXX ( ... XXXX ) '' as a card transaction. I disputed the charge, as I don't recognize it. On XX/XX/XXXX Chase reversed the charges. On XX/XX/XXXX Chase charged me again with the line on my statement " Claim reversal : XXXX XXXX DE XX/XX/XXXX ClaimId : XXXX ( ... XXXX ) '' as an ATM transaction. I requested documentation from Chase on the matter in XXXX after noticing the charge on my statement. Chase sent a letter saying they had reviewed documents during their investigation, but DID NOT SEND THE DOCUMENTS. I have tried monthly since then to get them to send the documents, and their support lines claim that they have sent the document, but I have not received them.
Consumer complaint received 2023-01-30
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of unauthorized inquiries. 
XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/2022 XXXX XXXX XXXX XXXXnquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022 ; XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX Inquiry : XXXX. XXXXXXXX XXXX ; XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Hello, Equifax is STILL reporting fraud information on my credit report from a XXXX XXXX collection company XXXX XXXX XXXX which is violating my rights. Equifax claims to have done a thorough investigation & sent me results yesterday XXXX stating this FRAUD ACCT. was verified. However, Equifax has failed to send me any proof of legal verification, any company can show an account summary with my info saying it belongs to me, that is not legal proof, plus Equifax did NOT send me anything at all, no wet signature contracts, no physical evidence, proofing this fraud belongs to me!! Again by law, Equifax & XXXX have to provide all the docs I requested in my letters & failed to do so! This fraud is violating my rights & against the law. The collection agency & Equifax must by law submit physical legal proof, other wise by law this fraud account must be removed! I am NOW PROCEEDING WITH LEGAL MATTERS & GOING TO SUE EQUIFAX & XXXX! AGAIN, I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my XXXX credit score drop XXXX points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much, XXXX  points!! This is hurting my goals of buying my 1st home & new car! I'm so devastated & need Equifax & or the company to remove this fraud immediately from my credit report! Both XXXX XXXX XXXX XXXX Equifax are violating my rights & breaking the law. THIS IS CAUSING ME DISTRESS & IF IT IS NOT REMOVED IN 14 DAYS. I AM SUING! I have uploaded supporting docs. Thank you