davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

My prior complaints about this have still not led to resolution. TD Bank accepted a stolen, fraudulently endorsed check ( evidently deposited into a XXXX XXXX account ) and has still not credited my account for that error. The check was written to a landscaping company back in XX/XX/2022. It was deposited with some personally scrawled signature not even resembling the payee. It was evidently a mobile deposit that was allowed by XXXX XXXX. The TD Bank fraud investigation began in XXXX. I filed all the paperwork and prepared the submission with the assistance of the people working at TD Bank in XXXX XXXX NJ. This passage of time without resolution should be an embarrassment to the CFPB. TD Bank allowed this money to be taken from my account and all they say is they have to wait to hear back from XXXX XXXX. Enough is enough. The CFPB should intervene to ensure this evasive customer abuse stops and I am returned the funds that should never have been allowed to be taken out of my account. The fraudulent endorsement was obvious. How long must I wait to have my money returned? I hope the CFPB is able to persuade TD Bank to do what is obviously fair and just at this point.
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (WA)

Greetings, I have financing my vehicle through Westlake Portfolio Managment. I pay $ XXXX {$590.00} with fees if Im paying it over the phone with an agent instead of automated system which takes longer. I have trying to get an extension because I have XXXX kids XXXX  XXXX XXXX XXXX XXXX XXXX  and a husband to take care for. Westlake always call my phone and threatens to repo my vehicle if I dont make a payment. When I request for an extension they told me I had to pay {$50.00} for an approved extension. So I waited until I had the {$50.00} which was a day after I spoke to West lake portfolio management. I called and made the payment for {$50.00} and was told by a supervisor that she will grant my extension. 2 weeks past I noticed my extension hasnt been granted but now my account says I owe {$1100.00}!! I been paying this company for over 4/5 years now and Im not even half way through paying this auto loan because their interests are so high, they wont lower my payment because they said they dont offer refinancing. Im struggling with this company taking so much money from me please help our family. Their customer service has 0 customer service skills. I just spoke to a customer rep and was told hes going to submit another extension request and this will be the fourth extension since that original one has been made!! There is something sketchy about this company and someone needs to put a stop to their scams. And I now have a {$400.00} late fees that I cant remove because they told me I have to pay it theres no way around it. Please help!
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NC)

Submitted a credit limit increase request online, was required to submit IRS Tax Transcripts via online or by mail. I elected by mail, since I am not a United States citizen and have not previously lived in the United States. It's been an unreasonable amount of time and I have not received a decision. My concern is that American Express is collecting my personal financial information and possibly sharing it with third party agencies or other lenders.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (GA)

I sent a letter asking Experian, XXXX, and XXXX to investigate my account it has been over 30 days. Those consumer reporting agencies are in notation. 
According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days or less to investigate and send me the results. 
And they also didn't even record the current status of the disputed information which is another violation I have all the evidence attached below - Pictures of credit report -Receipts of certified mail
Consumer complaint received 2023-10-28
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. (IN)

In accordance with the Fair Credit Reporting act XXXX account # ending in XXXX from XXXX and account ending in XXXX from Experian and XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX account # ending in 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 601 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TN)

My account status on my XXXX report currently shows that the account is deragatory. However, this account has been paid off since XX/XX/2021 and should reflect closed instead. 
Acct : XXXX
Consumer complaint received 2022-07-06
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. (OK)

My personal information was breached in spring XXXX. A Fraudulent credit account for {$400.00} was opened by XXXX bank. I discovered this in XX/XX/XXXX when pulling a credit report. I contacted XXXX Bank immediately but they withheld information and were uncooperative. They completed their own internal investigation and found nothing wrong. This fraudulent account continues to negatively impact my credit.
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I made a borrower requested PMI cancellation request due to improvements on XX/XX/XXXX to NewRez. I completed paperwork and submitted with a personal check for a XXXX XXXX XXXX ( XXXX ). I was denied the request for high LTV after their fresh valuation. I contacted requesting a copy of the XXXX I never received because I vehemently disagreed with the reason, so I expected to be able to see the calculation ( as they promised to provide ). Received another letter XX/XX/XXXX stating it was denied because they never received the paperwork. Responded disputing this new reason evidenced by the earlier letter saying I was denied after a fresh valuation due to high LTV and the fact they had processed my check for the XXXX and all documentation was sent together. XX/XX/XXXX received letter claiming all this was due to inadvertent errors on their part, XXXX was never ordered and they had now ordered ( 3 months later ). XXXX was completed on XX/XX/XXXX and was assured I would have a determination within 30-45 days. It has now been 54 days with no further correspondence on their part. They are impossible to contact directly and what I thought was poor internal controls and management I now believe is a delay tactic use for financial gain.
Consumer complaint received 2023-02-06
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. (GA)

I sent a letter asking XXXX, Transunion, and XXXX to investigate my account it has been over 30 days. Those consumer reporting agencies are in notation. 
According to 15 USC 1681i - XXXX, Transunion, and XXXX have 30 days or less to investigate and send me the results. 
And they also didn't even record the current status of the disputed information which is another violation I have all the evidence attached below - Pictures of credit report -Receipts of certified mail
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (PA)

I was defrauded electronically by a loan agency. My bank, Truist, caught the fraud before I did but chose to not only hold me liable for the {$5000.00} of funds defrauded from me that left my account negative but also locked my account but acceoted two seperate direct deposits from my employer before permanently terminating my account and then trued to extort the funds from me under threat of reporting me to credit agencies. I now have no access to any banking services from any institution and my credit report is severly blemished for a fraud that was committed against me with my babks full knowledge. I feel I am being victimized twice in this incident.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank 's providing online banking services need to provide additional data pertaining to a users post-processing balance in order to prevent overdrawn charges from occurring. 

In 2017, banks reported {$11.00} XXXX in overdraft fees alone. This is big business for banks, and consumers are limited in banking options as they must adhere to these payouts to the large banks. 

Customers of large banks largely depend on online banking websites and mobile apps, along with text alerts for up to date balances. Due to the nature of how funds are transacted electronically ( wire, ACH, check, etc. ) funds are not immediately available and/or posted to the account. Instead, most transactions are processed at odd hours, or left in a 'processing ' state until mid-week when all transactions are dumped out in a single posting. Tuesdays are nightmare for most customers, resulting in an array of overdraft charges. 

Requesting to opt-out of overdraft charges is possible, but then a customer is left with fairly limited banking tools, such as no checks can be processed, etc. 

What I am requesting is an update to the interface of banking systems and their text communication which shows a Safety Zone balance that is required to PREVENT overdraft charges. We use our logic based on what transactions we've made, what we have pending, and what our current balance shows in our online bank accounts. 

The final balance displayed when items are in a 'processing ' state is hugely inaccurate. 
We depend on these balances to dictate what amount of funds will cover our pending transactions and our overall spending power. 

We need an indicator on the top of the balance ledger displaying a POST PROCESSING balance and/or a safety feature which uses predictive tools ( I have an ACH transaction posting every month on MM/DD ), which can notify via text, app notification, and/or display in online banking. We should not depend on third-party apps, notes, etc. when such readily available technology can be implemented into the website/apps.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted them via telephone and in writing. They are reporting that I filed a recent bankruptcy in XXXX  causing me to be declined and or pay higher interest rates. I did not file bankruptcy in XXXX. My ex husband filed in XXXX and I was by accident added by mistake. They quickly corrected the issue and closed the bankruptcy with me. My ex husband currently filed the bankruptcy and not me. The credit company has failed to correct this issue by removing the bankruptcy filed in XXXX by my ex husband. They fail to do anything with removing and its causing me to be declined bc of this error. Banks are looking that I filed bankruptcy in XXXX  counting it has a recent bankruptcy. However, there is no court order showing a discharge of this XXXX bankruptcy but I did not file one. They also fail to remove inquiries that I have in writing disputed. I have a fraud alert on my credit which makes a company have to go through steps to extend credit. The companies have never called me and I have never done business with them. The alert was placed due to my ex husband using my social security number. The same companies are running my credit every month without getting authorization from myself. The credit agencies as well failed to protect my credit account even with several telephone complaints and filing concerns and disputes in writing. This is an issue with all 3 credit agencies.
Consumer complaint received 2022-09-18
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. (GA)

In accordance with the Fair Reporting Act all of the companies listed below has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15USCODES1681 section 602 A - States I have the right to privacy 15USCODES1681 section 602 A section 2 - It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I had a previous Master card ending in XXXX that had some fraudulent charges Capital one agreed these were not my charges while this happened, I was working a XXXX shift at XXXX my employer. These charges resulted in some valid merchandize charges being cancelled also. This started around XX/XX/2022 I paid for the valid merchandize on my XXXX XXXX XXXX  card ending in XXXX on XX/XX/2022. ( See Statement ) I paid for 5 different charges on my visa this date all was deemed paid in full except for {$160.00}, Capital one has added it 7 -Seven times to my account not any of the other 4 transactions only the {$160.00} telling me that I owe them this amount please see my account. Let me tell you that again 7 times yesterday they said because the transactions do not match, I must be lying, and I have purchased different items I sent them all of my transactions on my XXXX account which I have included here showing that I have not purchased any other items in the amount of {$160.00} I sent them the detailed item report included here from XX/XX/XXXX through XX/XX/2022, My XXXX Account, My XXXX  XXXX Account I have sent them everything but my XXXX XXXX  child but they insist that I am lying to them. I have called XXXX 's credit department I do not have any outstanding or unpaid debt owing XXXX. Yet CAPITAL ONE still will not credit the money owing and cancel this card once and for all.
Consumer complaint received 2022-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX posted a random medical bill on my credit report but I dont know this company or what they are trying to collect. Addittionally I have never done business with this company I mailed them a certified letter requesting all information about the debt. The letter i sent stated I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. I have yet to receive a response from the company
Consumer complaint received 2022-07-06
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. (FL)

On XX/XX/XXXX, My credit card account with XXXX was compromised and I lost all access to bill pay on the account. In XXXX, XXXX reported that I was late on payments erroneously and that I was late on payments ( when i have no correspondence from XXXX on this ). I requested at this time that XXXX suspend my card. Now they have continued to accept charges on my card and have reported, again to the credit agencies, that i owe money on this card and was late in XXXX, when my first correspondence was in XXXX on this. Please request that XXXX take these notes off of my credit report.
Consumer complaint received 2022-07-06
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

Called XXXX XXXXXXXX XXXX bank and informed them i have not received my paper statement in the mail to make a payment. All the years I had this CC I have always mailed in a MO. When I called the XXXX the automated message stated my bill was like {$2400.00} and It should not have been that much. Long story short spoke to a fraud rep someone was using my CC and the lady stated she was going to put in a dispute and take 90days and will mail me a new CC and will have no late fees and and changed my email and phone number back to the original one I had when I opened. 
I was sent a new CC and try to register the new CC on line and it stated wrong email address and I have still not received my paper statements to make a payment. 
I have called the CC people on XXXX got hung up on several times I have called at least 10 times and all the reps have not helped me. When I do get a live rep I give them all my info and they still can not assist me, they stating that my email address and phone number are wrong again and I thought I had cleared this all up last month when I talked to the Fraud dept.. I guess not. I need some assistance on this ASAP, I am not getting no help at all or even a call back since I have got disconnected so many times. Customer service is rude and not helpful at all, if they do this to me just image all the other customers they do that too. All I want is to receive my paper statements and all my contact info to be correct since someone stole my Identity and used my CC. I am on the phone now XXXX and someone is stll using my CC nothing was ever changed like I was told it was. Thank you
Consumer complaint received 2022-07-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DRB-40, LLC (FL)

Harassed my family members, My mother and father to be specific. When I called them they did not ask me to verify who I was, they gave me my own DOB and asked if that was correct. They could have given out my DOB to anybody who called in since they didn't ask me to verify it. I asked for documentation to be given to me and told me they were not in a rush to send it because I was not interested in paying them. Threatened me with damaging my credit report if this was not paid.
Consumer complaint received 2022-09-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I sent out a 609 letter to all three bureaus addressing accounts that I saw a sufficient amount of errors asking them to validate and correct all errors. On XX/XX/2022, I sent out three demand to comply letters, asking them to comply with their rules, seeing that I had not heard back from non of the bureaus. It is now XX/XX/2022, I'm yet to hear back with any results. I have exhausted all my options and according to what I read on the laws pertaining to this situation, lodging a complaint with your department seems like my only option if I decide I want to go to court.