davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Im XXXX. My only source of income is a XXXX check. On XXXX second I saw a huge amount of money in my account. I called Usaa. The money stayed in the account. On XX/XX/XXXX my daughter called Usaa she was told it looks like the money came from my sister XXXX XXXX account and that I was going to be responsible for it. My sister has not used the account since 2019 and has no funds in the account. On XXXX the bank took my XXXX check. They are accusing me of taking XXXX dollars. I did not take the money. I had no money in XXXX. I closed my Usaa account. We told the bank something was wrong why didnt they do something.
Consumer complaint received 2022-08-21
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: Central Portfolio Control Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I contacted Macys customer service on XX/XX/XXXX when I attempted to place an order using my card but it was was declined. Customer Service advised the account was closed on XX/XX/XXXX per customer request. I advised I did not authorize the account closure. When my pay down check for $ XXXX + was mailed in XX/XX/2022 a letter accompanied the check. If I wanted the account closed, I would have needed to sign in a certain section of the letter to authorize the closure and I DID NOT SIGN therefore the account was to remain open and active. Customer Service stated I could reapply for a new account but I advised my account should not have been closed. Customer Service stated they could not view the letter and needed to open a case for review. It would take 10-days for a response. I have been a long time platinum customer and felt this review delay was ridiculous since Macys incorrectly closed my account in error without my signed authorization.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

CFPB Write up In accordance with the Fair Credit Reporting XXXX  XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My name is NOT XXXX XXXX and was not XXXX XXXX XXXX when this alleged account was opened. 

This will be my third complaint against Portfolio Recovery. I contacted portfolio recovery on XX/XX/XXXX disputing the alleged debt. XX/XX/XXXX I was sent a letter stating portfolio recovery refuses to investigate and dispute the debt and demanding portfolio recovery cease and decist all communication with me. 

Today on XX/XX/XXXX, I recieved another letter from portfolio recovery, again stating they are closing the dispute investigation because I have not sent in information requested by portfolio recovery. I was never asked to send any information. This letter was mailed on XXXX XXXX. I also stated in my previous dispute, that I wished for portfolio recovery cease and decist all communications. 

Attached is the dispute and cease and decist request on XX/XX/XXXX, the XXXX letter sent on XX/XX/XXXX and the XXXX letter sent on XXXX XXXX. 

Portfolio recovery is very inconsistent with the letters regarding a debt dispute, signifying they are not taking my request seriously and sending these irrelevant letters to further harass me. I demanded portfolio stop all communications, however I keep recieving irrelevant letters regarding a dispute portfolio recovery refused to investigate. Portfolio recoveries inconsistancy as well as lack of record keeping further backs my origional dispute. 

Portfolio recovery continues to violate FCDPA regulations stated in CFPB. I refuse to allow portfolio recovery violate my rights.
Consumer complaint received 2022-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My XXXX XXXX XXXX Card appears twice on my XXXX report. I only have one XXXX XXXXXXXX card and the other account should be removed. This account is a duplicate and needs to be removed.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (MI)

Ally Bank sent me an application denial letter. This is 2 of 3 attempts to open a banking account in my name fraudulently. Ally Bank did not open an account because they could not verify identity. I did not request an account from Ally Bank.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

I am filing this report against Mercedes Benz Financial Services because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are Mercedes Benz and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.
Consumer complaint received 2022-09-27
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. (PA)

Equifax and XXXX have refused to properly investigate I the consumers credit file regarding a collection that has been effecting my financial life, XXXX has deleted the inaccuracy but the other two CRAs haven't. 

The debt collection agency ( XXXX XXXX XXXX  ) has failed to validate the debt after I requested a validation via mail certified, which is a violation of 15 U.S. Code 1692g - Validation of debts. being so such information shouldn't be furnished in the first place SEE ATTACHED-
Consumer complaint received 2024-11-02
Product: Credit 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)

Subject : Complaint Against TD Bank Regarding Fraudulent Charges To Whom It May Concern, I am writing to formally file a complaint against TD Bank regarding their denial of my claims concerning fraudulent charges made on my account. 

On the following dates, I noticed unauthorized charges on my TD Bank credit card account : {$240.00} on XX/XX/2024 {$700.00} on XX/XX/2024 Upon discovering these charges, I promptly reported them to TD Bank, expecting a thorough investigation. However, my claim was denied, and I was informed that the charges were valid. The representative make me feel that I was lying about the charges, which is entirely untrue. 

I have provided all necessary documentation to support my claim, including transaction details and any correspondence with TD Bank. I believe this situation constitutes a failure on the part of TD Bank to address fraudulent activity appropriately and to treat me, their customer, with respect and fairness.
Consumer complaint received 2022-07-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/XXXX, an item called an " ACH Refund '' in the amount of {$900.00} was posted as a charge against my credit card. The transaction date was XX/XX/XXXX. The reference number was XXXX. 

Unlike all other transactions which I can see on my on-line statement, there was no name identifying the source of the transaction. 

At that point, I had no idea what an " ACH Refund '' was. I began by calling the phone number on the back of my credit card. Over a number of days, and many hours on the phone, I was bounced back and forth to more than a dozen people, each giving me a phone number for another department, that they were sure could deal with this problem. 

Of those dozen people, only one person gave me a more straightforward answer. She told me an " ACH Refund '' was a refund of a payment I had made. I have never requested nor authorized such a refund. I have been doing business with this company since XXXX and have paid my bill in full every month, by means of an electronic payment from my bank account. Therefore, the credit card company has my bank 's routing number. 

This so-called refund was sent to a bank that I have never heard of nor with whom I have ever done business. I was told that it was a bank called XXXXXXXX XXXX and that Bank of America credit card had a routing number for that account, making it obvious to me that this was either a mistake or an out-and-out fraud. 

When I finally reached a person who works in the fraud department, I was told that an investigation would be done. The ID number for that investigation is XXXX. 

In the meantime, there continues to be a fraudulent charge of {$900.00} against my credit card.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX loans reported my account past due to credit reporting bureau for the month of XXXX and XXXX. Even though my payments were automatically debited from my account for years prior, XXXX stopped debiting my after balance were payed off from original loan, but not the deferred balance from a previous company and automatically report my account as delinquent without notification the deferred balance would not be automatically taken from account like all other payments and I wasnt aware of this I feel they should of made me aware that deferred balance doesnt qualify for automatic payments
Consumer complaint received 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Since moving into my home, I have had issues with XXXX the management company of my HOA. The account number they gave me was invalid thus making it difficult for me to pay online. They did not send statements and so was it incredibly difficult to confirm the payments until the quarterly statement arrived right before payment was due. I then started sending the payment through my credit union 's bill pay to ensure timely payment. In early 2021 I received a noticed that I owed a {$70.00} payment. I informed the XXXX that I would research with my bank since my statement showed that the payment went out. With COVID still in effect it was not business as usual at the credit union so it took a couple of weeks to get the report. Soon after I sent the payment details, I received a letter from the attorney for the HOA. The amount had grown to {$480.00}, I sent them the details from the bank and the amount grew then to {$860.00}. I then overpaid my HOA fees and was running a credit but that did not matter to the attorneys. Even with all that the amount then grew to {$3200.00}. This is when I decided to get an attorney because they were threatening a lien against my home. 

Unfortunately, the nightmare was just beginning for me. The attorney noticed that the lien was not properly executed and that the HOA attorneys had violated a Florida law and the Fair Debt Collection Act. XXXX XXXX  never contacted me to see if the debt was valid. They instead paid the {$3200.00} and added it to my escrow which in turned messed up the negotiation that my attorney was working on. I only learned about this because one of the attorneys in the HOA law office felt sorry for what had been done to me and contacted my attorneyXXXX XXXX XXXX never called and never provided a letter, phone call, or an email on the matter. We had to file a Fair Debt Collection lawsuit and I advised them providing the case number. They called and said that they would put the account on pause while I worked out the matter. Sadly, they continued to call me five times a day and loaded the account with late fees. They also reported me late even though I continued to make payments every month. I've written twice to their corporate office and sent several emails. It is always the same the form letter stating that customer service will look into it followed by a letter two weeks later stating we looked into it and the HOA lawyers gave us ten days to render payment to them. I believe ten days is enough time to contact your customer by letter, email, mail or phone. They have been bullies, they answer is always WE ARE BIG and you are not.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma (OH)

I was advertised to on XXXX for a pre-approved personal loan from regions bank. I applied for the loan from regions bank who did a hard credit check and was then denied the loan. I complained to regions bank who refused to reverse the decision or remove the hard credit check from my credit report lowering my credit score and making it harder to get future credit as well as raising the price I had to pay for future credit.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I opened a credit card with FNBO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with promotion mid XX/XX/2022, of taking off the purchased ticket price from {$100.00} promotional credit on my bill. I do not see that on my bill. Second, they did specify {$99.00} annual fee. But I was chocked that they charged me {$99.00} already, I am just a month old from opening the acct. Normally, credit cards would charge their annual fees '' XXXX year after the date it was opened '' - that is why its called '' annual fee ''. I did not see in the terms that it will be charged on the first billing cycle. This is just so UNFAIR. In XXXX reviews of this company, there were so many complaints, and I dont get it why this company has an XXXX  rating from XXXX  .... I share the same sentiments of others that we feel we are scammed ... .this HAS TO STOP. " PLEASE '. XXXX I wanted : To remove my {$99.00} annual fee charge ; XXXX ) to give me the promotional credit of {$100.00} to my bill. XXXX ) Once everything is straightened out, I would like to close my account.
Consumer complaint received 2022-10-23
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-08
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: NAVY FEDERAL CREDIT UNION (TX)

Navy federal credit union Please tie this to my husbands complaint XXXX with your agency his name is XXXX XXXX Navy feferal heloc was part of a 2012 foreclosure and should be removed they have retailiated and placed their account twice on my credit report and shown as open. I will file a complaint with the attorney generals officem Also there are 3 hard inquries i teqieated to be removed or send me a copy of a signed application for each. 
A photo pf both issues attached.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (LA)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  XXXX. ) XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX TD BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK NA XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (IL)

I signed a {$85000.00} loan agreement for solar panels installed by XXXX XXXX in XX/XX/2021. The panels were installed in XX/XX/2021 and we have had problems with them since they were installed. XXXX XXXX has now closed its doors, not allowing us any avenue to fix the issue with the solar panels. I believe XXXX XXXX knowingly installed these panels that do not work properly and do not live up to what were told would happen. We havent received any state or federal rebates, which was a big incentive. In fact XXXX XXXX was suspended from being an approved solar panel provider for the state of Illinois for over a year, even though we have been trying to get our application for the state rebate. I believe there is enough evidence to prove we signed the loan under fraudulent circumstances and therefore should be allowed to terminate the loan with no penalty. XXXX  can come pick up the solar panels, which are considered collateral.
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NC)

On XX/XX/2022, a final amount of XXXX  was negotiated to pay the account off with Sunrise Credit Service for a collections account owed to XXXX XXXX XXXX XXXX. This amount was negotiated with a credit manager at Sunrise Credit Service through emails which are attached to this complaint. On XX/XX/2022 my husband, XXXX XXXX, spoke to a customer service representative and paid XXXX and arranged for the remaining amount of XXXX to be deducted on XX/XX/2022. The credit XXXX stated in her email that once the final amount was paid the collection would be removed from my credit report. On XX/XX/XXXX, Sunrise Credit didn't deduct the full amount of XXXX, only XXXX. This is their mistake, not ours. 

As required by law, I have tried by good faith to resolve this dispute with the merchant. I have emailed and negotiated a payoff amount, which was paid. I have spoken to customer service representatives at XXXX XXXX XXXX and Sunrise Credit Service to try and resolve this.