davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/XXXX XXXX, I hope all is well. My name is XXXX XXXX I have an account with TD bank # XXXX. 
My family and I were impacted by Covid-19 and when I called sometime in XX/XX/XXXX I had explained my situation however, my funds were not credited back to the account. 
Last year XXXX my debit card with TD was lost. I contacted them immediately once I discovered my card was lost. After receiving my new card I assumed all transactions on the old card would no longer be valid or no payments could be processed. Fast forward to XX/XX/XXXX XXXX XXXX had gone into the old / closed debit card and retrieved funds. Again, I immediately was in touch with TD to explain what happened and to please give me back my money. Later, in the month of XXXX my debit card was finally closed after reporting it 1 year later. I then reiterated once more I closed my debit card last year and this should not have been honored by my bank. 
Can you please help us figure out what happened and why I did not get my money back? 
Regards, XXXX XXXX XXXX
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX, I bounced a personal check from XXXX XXXX in my BofA account. The reason I wrote it was cause my XXXX ATM was broken and I needed cash. 

I accidentally miscalculated and my check of {$200.00} bounced. I paid the debt and XXXX XXXX shows as paid in full. 

BofA reported to XXXX as fraud activity! This has prevented me from opening a bank account ANYWHERE! 

It was an accident and not an act of fraudulent malice on my part. 

When I tried to deal with BofA they initially assured me that it will be take care and removed since it was paid in full. of etc. But ultimately refuse to remove it and respond with " we don't have to ''. 

I tried to dispute via XXXX but they state that BofA investigated and find it to be accurate. I don't understand what investigation of {$200.00} accidental bounced check that was paid in full was initiated, or how or what??? It makes no sense to me. 

Please help me BofA RTN # XXXX {$200.00} Paid in full
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my second complaint with CFPB against TransUnion regarding the SAME issue. There is incorrect information on my TransUnion credit report being reported to creditors. TransUnion claims that it is not. 

Hello, My name is XXXX XXXX and I am contacting you with regard to an ongoing issue I have been having with TransUnion. That credit bureau is reporting inaccurate information ( 2 recent payments ) on my credit report. This inaccurate reporting and overall failure to update, has resulted in my having been denied a credit limit increase with one of my creditors recently. I also anticipate starting the home buying process in the near future and can not have this inaccurate reporting be an issue. In XXXX  of XXXX, I submitted a request to the U.S. Department of Education, requesting that my student loans be consolidated ( thus bringing them out of default status ). That application was ultimately approved. In XX/XX/XXXXof 2020, I received the enclosed notification from XXXX, one of the holders of two of my previously defaulted loans. In that letter, XXXX acknowledged having received the payment required to bring the two student loans out of default status. XXXX has also updated those two accounts with the credit bureaus to reflect closed/paid. While I do not dispute those accounts as having been in collections, I am again disputing the inaccuracy of the reporting. TransUnion is currently reporting that in XX/XX/XXXXof 2020, I missed a payment on each of the loans that they were holding ( for a total of 2 ). This is incorrect. Per MyFico.com, TransUnion is reporting a late payment within the past 6 months. I also have a premier subscription with XXXX that provides 3 bureau monitoring. My TransUnion data under that monitoring service ALSO lists a recent missed payment. That missed payment is XXXX. There were no missed payments and even when the account was in a default status, I had been making monthly payments for over a year.I have disputed this via phone ( XX/XX/2020 ), as well as online, but the information has not been accurately updated. On XX/XX/XXXX, I sent a letter to TransUnion ( via certified mail ), asking that they make the necessary corrections and/or updates on their end. On XX/XX/2020, I contacted them via phone to request an update. I was informed that they do NOT see any recent missed payments on my credit report. I again explained the information that is listed on MyFICO and XXXX. TransUnion instructed me to contact the credit monitoring providers. I contacted MyFICO Customer Care and they explained to me that they could only update Information as it is provided to them by the credit bureaus ( in this case, TransUnion ). I am stuck in the middle and can not seem to get this information corrected. I again applied for a credit limit increase with a creditor was again denied based on information contained in my TransUnion file.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

During XXXX I bought an ultra wide screen monitor with XXXX XXXX XXXX from XXXX XXXX. It also came with a 24 month warranty. The monitors XXXX four port was not connecting with my XXXX XXXX, so I had to take it in to get it looked at or repaired at XXXX the XXXXXXXX XXXX said that I was still in my exchange warranty. And that I needed to bring it in to see if they can repair it and if they can't repair it, they can replace it. They said that they would ship me the new one within seven days and gave me a shipping tracking number. The next day, I got an email saying that my order was canceled from XXXX XXXX. I called the XXXX XXXX store and I'm on the phone with them. They tried to issue me a store, credit or something the representative wasn't very detailed with their explanation, but they were trying to exchange it for a new one and then make a whole new brand new order and they put me on hold. I completely was unaware I forgot that I bought this with my Chase account debit card because Chase is not very customer appreciative as well as they just don't care and they said you have to fail and do not have any feelings of remorse for anyone without {$300000.00} in our savings account so I made the decision to close the acc not long after I bought this monitor. I closed the Chase account, I no longer do business with Chase at all so I did not know that they were going to try and refund my account. Otherwise I would've stopped them but they did refund or returned the original monitor and somehow or for some reason they did it by refunding it back to the bank to recharge. I don't know I was very confused and very angry why this was such a huge ordeal and why it couldn't have been done some other way, but the store manager helped me try to get it fixed said he could not get it fixed so I had to contact Chase to have them cut me a check. I tried logging into my old account and it is not even on my login page anymore. Does not say I have an account anymore so Chase has {$1700.00} of my money and has not sent it to me yet. Yes, but I was attempting to re-initiate the charge and chase shut them down so I'm just confused pretty upset. I just want my Monitor back to be honest on don't want to have to go through the process of getting a check and waiting for them to do it, but I guess I have to know I want my money back I will upload a picture of the receipts that he gave me when I went into the XXXX XXXX to talk to the manager to prove that it was refunded
Consumer complaint received 2020-07-08
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)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX  XXXX {$15000.00} XXXX  XXXX {$950.00}
Consumer complaint received 2019-10-10
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: EQUIFAX, INC. (LA)

Equifax did NOT protect consumer credit info ( Equifax data breach ). Their solution is to prevent actual owners of credit info from creating a new account to be able to access the credit info online. 
I tried creating an account at myequifax.com by providing ALL of the info needed to prove I am me. I got a message that my account could not be created -- I had to call. I was told there was a problem with creating my account and therefore I will NEVER, EVER be able to create an online account & I will ALWAYS ( UNTIL I DIE ) have to call or snail mail info to be able to manage credit freezes on MY OWN ACCOUNT. The person I spoke to would only tell me there was a problem and I would NEVER be able to find out or resolve ( EVEN IN WRITING ) so that I could create an online account. 
I was told that I will NOT even get a letter explaining what happened and how to fix the issue. They have ALL OF MY CREDIT INFO AND I CANT GIVE THEM ENOUGH OF IT TO PROVE I AM ME!!!! 
Having to call to manage credit freezes ( when Equifax is the bureau that did NOT protect MY credit info ) is incredibly tedious & painful ( a long intro message followed by one-by-one ~4-5 menu prompts for info entry, then entering a code texted to the phone # I provided in one of the prompts. Then a wait for a live person, then MORE questions to verify I am me. 
One of there questions was what is the minimum payment of one of your credit cards. I don't know because I pay the ENTIRE balance EVERY month. That answer was not good enough -- I had to log into my CC account to find the minimum payment ( that I NEVER, EVER USE ). 
The person I spoke to said my unfrozen account would automatically be re-frozen at the end of my requested period. But, since they didn't protect my info in the first place ( data breach ), how can I trust them????? -- I would have to call AGAIN ( and go thru the ENTIRE question / prompts ) to verify the freeze status. 
Remember -- it is Equifax who was EXTREMELY LAX at protecting MY account info -- now it is EXTREMELY DIFFICULT to handle MY OWN info!!!
Consumer complaint received 2022-12-03
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: WELLS FARGO & COMPANY (PA)

I applied for a Wells Fargo VISA card and immediately was charged {$1000.00}, plus a {$30.00} transfer fee. I informed them that I did not transfer anything to my new card. I called immediately and cancelled the card! Wells Fargo sent me a letter stating that I made this transfer and owe them the money. When I asked where I transferred the money from, they said that they couldn't tell. I did not use the card even once! Wells Fargo did something wrong and are not willing to fix it. 

I don't pay interest, late fees or transfer fees.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX has my credit card that is still inactivate and cant even change my text nbr and bank info at all. XXXX XXXX has wrong info. XXXX for cell phone was old. It was paid off in 2019. I owe nothing to XXXX. Because I closed the acct before I transferred to XXXX. XXXX charged me anyway even thought it was closed. 
Also, the XXXX loan takes my money every month on time. It is thru auto pay system. They take money themselves. They put wrong info on my credit and is hurting my credit. See screenshot of the auto pay. I also once called them that I d be late with the payment one time in XXXX. I CALLED THEM and they assured me that they d accept late payment. No payment was missing at all. 
XXXX loan still takes my money for the repair on the truck I no longer have. I no longer have the XXXX truck and they still take my money out. Fair? Nope. And I do pay thru auto pay. XXXX XXXX  has old info. And wrong info.
Consumer complaint received 2021-11-24
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX XXXX XXXX  the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX SYNCB/JCP XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

The site has not taking money at this point but the site is not the real chase. It will however asking for information and poses as the real chase.com. I now am canceling my card due to breached information. The number is XXXX pretending to be chase. https : //www.chase.com/personal/credit-cards/dispute
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (MI)

I have many credit inquiries on my credit report that I NEVER authorized or approved. I been battling with identity theft for some time now and these inquiries are not any that I inquired about MYSELF nor did I approve anybody else to act on my behalf to obtin these inquiries. ALL OF THE FOLLOWING INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE. THE INQUIRIES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL OF THESE INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND SHOULD BE REMOVED ASAP BY ALL CREDIT REPORTING AGENCIES THAT ARE REPORTING ALL OR ANY OF THESE INQUIRIES.
Consumer complaint received 2024-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Servicer received a notice of request of debt validation on multiple occasions. Company issued a response that they will respond with the information requested ; Mortgage servicer failed to produce the request information for validation.

Servicer failed to produce the original note. They have violated several laws and regulations : *Federal Laws : * 1. *Truth in Lending Act ( TILA ) * : 12 CFR 1026.3 ( c ) - Requires lenders to provide evidence of ownership.

2. *Real Estate Settlement Procedures Act ( RESPA ) * : 12 CFR 1024.21 - Mandates lenders provide documentation upon request.

3. *Uniform Commercial Code ( UCC ) * : Article 3 - Governs negotiable instruments, including mortgage notes.

*State Laws : * 1. *Uniform Securities Act* : Requires lenders to maintain accurate records.

2. *State-specific mortgage laws* : ( e.g., California 's SB 1137 , Florida 's HB 919 ).

*Regulatory Violations : * 1. *Consumer Financial Protection Bureau ( CFPB ) * : Mortgage Servicing Rules ( 12 CFR 1024.38 ) 2. *Federal Reserve System* : Regulation Z ( 12 CFR 226.3 ) *Potential Violations : * 1. Failure to provide documentation ( TILA, RESPA ) 3. Failure to maintain accurate records ( Uniform Securities Act ) 4. Unfair or deceptive practices ( CFPB, Federal Trade Commission ) *Consequences : * 1. Fines and penalties 2. Lawsuits and settlements 3. Regulatory action 4. Damage to reputation *Remedies : * 1. Permanent Injunctive relief 2. Damages 3. Rescission of loan 4. Dismissal of foreclosure *Important Cases : * 1. *Carpenter v. Longan* ( 2009 ) - Established requirement for lenders to produce original note.

2. *Harrington v. MERS* ( 2011 ) - Held that failure to produce note can void foreclosure.

*Resources : * 1. National Consumer Law Center ( NCLC ) 2. Consumer Financial Protection Bureau ( CFPB ) 3. Federal Trade Commission ( FTC ) 4. Local real estate attorneys
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

XX/XX/22 {$440.00} XX/XX/22 {$290.00} Wells FargoXXXX Disputed transaction as they were atm withdrawals made outside the country. Wells Fargo declined my claims without proper reasoning.
Consumer complaint received 2019-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (TX)

I have had several student loans that I have paid on consistently for several years ( almost 15 years ) other than the two years I was in XXXX XXXX. I kept wondering why my balance wasn't going down. I originally started with XXXX XXXX XXXX, those loans were then bought or sold to ACS, which I paid for several years. I even have income tax returns that show interest paid and claimed for those years, yet on the federal loan services database, it does not list them as a lender ever on my loans. What happened to the money I paid to them during that time? I've even had loan forgiveness of {$5000.00}. Have qualified for grant money from the state for {$5000.00}. I still can not fathom how I still owe {$19000.00}. I even paid extra on my loans for a long time, until I realized that doing that hurt me when it came to loan forgiveness programs. Please help. When I called XXXX XXXX to try to figure out what was going on, they actually told me I needed to contact the ombudsman office of the XXXX XXXX XXXX  office. Please help, I am trying to figure out what happened to the money I paid to ACS. I have recently read several people that had similar problems with payments applied incorrectly. Now I've learned that the federal government cut ties with ACS and it was because of their practices.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Upgrade, Inc. (GA)

Subject : Complaint Against Upgrade Credit Card Services for Unjust and Deceptive Practices Dear Consumer Financial Protection Bureau, I am writing to lodge a complaint against Upgrade Credit Card Services, which has engaged in what I believe to be deceptive practices and false advertising, leading to a significant, unjustified drop in my credit score. 

In early XX/XX/2023, I was solicited by Upgrade to apply for a loan via my login page. The advertisement explicitly assured me that " Checking your credit will not affect your score. '' Relying on this assurance, I submitted the loan application, believing it would have no adverse impact on my credit score. 

However, on XX/XX/2023, without any prior notification or explanation, Upgrade lowered my credit line to the balance owed, which was approximately {$5300.00} at the time. This action pushed my credit utilization to 100 %, leading to a dramatic decrease in my credit score by over XXXX XXXX.

What's more, Upgrade has requested my bank statements to complete the loan application review the very application which was supposed to have no negative impact on my credit score, but instead was used to justify the reduction of my credit line. I see this as a direct contradiction to the promise they made that my credit would not be harmed. 

The reasons provided for the downgrade, sourced from XXXX, were 'recent high obligations, ' 'high proportion of bank issued installment accounts, ' 'recent over limit on bank issued card, ' and 'inconsistent trend in use of non-mortgage accounts. ' These reasons are vague and do not correspond to my credit habits or history. Furthermore, they do not justify the considerable decrease in my credit line and the subsequent harm to my credit score. 

I am of the belief that this constitutes a clear violation of the law, and it is my intention to seek damages for the harm this has inflicted on my financial health. I have asked Upgrade to rectify the situation immediately, including restoring my credit line and taking necessary measures to repair the damage to my credit score, but I am yet to receive a satisfactory response.

I kindly request your intervention to investigate this matter and help ensure that Upgrade is held accountable for its actions. I hope my experience can lead to better regulation of these practices in the future to prevent others from facing similar circumstances. I have never been late, and my score is XXXX XXXX higher than when I took this card/line. 

Thank you for your attention to this matter. I am happy to provide further details if necessary. 

Sincerely, XXXX XXXX