davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (DC)

As a consumer of TD Bank, I faced disrespect and disregard from the actions of this banking institution when attempting to make a simple payment on my credit card account. Mind you, Ive made electronic payments since the beginning of having my credit card account. This is my first time initiating a payment ( 1 ) in person at a local TD Bank ( 2 ) by mail.

My first attempt resulted in rude customer service by a bank teller the Washington, DC XXXX XXXX XXXX XXXX location, who refused to make the payment transaction ( meaning actually accept, look, read, and comprehend ). She also did not accept all paperwork accompanying my payment check when I submitted the check to her ( which was a letter from my mortgage company that per their instructions, directed me to submit upon payment on my account ). Ive included the completed, deposit slip that the unprofessional bank teller gave me, as she gave back my check, and directed to me mail the payment. 

Note that prior to arriving at that XXXX DC TD Bank location, I visited XXXX XXXX  and XXXX  XXXX XXXX via the exact same credit card payment process ( with checks issued from the same company along with the mortgage companys letter ) and had no problems. Both banks customer service was top-notched unlike TD Banks XXXX DC location! 

I mailed the check certified, along with the letter from mortgage company to TD Bank on XX/XX/2021. They received it on XX/XX/2021. See copies of certified and signed documents. 

On XX/XX/2021, I received a letter from TD Bank stating they never received a payment. Completely unacceptable!! Moreover, the fact that TD Bank has no electronic and/or online direct customer dispute and/or procedure that allows customers to respond in situations like mine is concerning. There are no options to download and send via email anything to TD Banks customer relations department. It is 2021 and this absurd. 

Per customer service Rep that I spoke with today, XX/XX/2021 : mail in a copy of the check that was submitted as payment. Hence, this letter of complaint with all my documentation. I request that this matter be solved immediately along with dissolving any fees and/or credit reporting or misleading information that state any late payment references.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

In the beginning of XXXX a company by the name of XXXX XXXX  called my mother. My mother told me and I called them back. They wouldnt tell my mom who exactly they were so I called them back to figure out who they were. Just in case they were a doctor or a job. Who knowns. He tell me about some debt that he thinks I owe. I realized what he was trying to do. So I blocked the number. Yet he keeps calling. If he calls again it will be a XXXX dollar fine. The credit companies allowed this people to report false information on my credit report. According to the Fair debt collection / 15 USC 1692 ( D ) consumer law. This is illegal and he has called me over 15 times this is illegal and needs to be removed from my report. Their number is XXXX ( XXXX ) XXXX. I have attached the screenshot evidence below.
Consumer complaint received 2022-08-15
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. (CA)

This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : DEPTEDXXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX has told me my account Has been verified. Bankruptcy XXXX. I explain to them that I did a voluntary dismissal and that there is no money owed. They explain that they report as a dismissal no matter what kind. Since the dismissal have very different definitions I think it it important for the creditors to see that it was a voluntary dismissal. So if they cant show my judgment on my credit report accurate thrn that a violation of my fair credit act laws. Im am attaching court documents to prove my case. I will like to get compensation for there error in reporting. 
If the XXXX XXXX plan is dismissed, creditors may immediately initiate or continue with state court litigation pursuant to applicable state law to foreclose on the petitioner 's property or garnish their income. If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. 

A ) Voluntary Dismissal A debtor can file a motion to voluntarily dismiss the bankruptcy case, but the court may or may not approve the dismissal depending upon the chapter number of the bankruptcy case and the prior history of the debtor in bankruptcy. IMPORTANT NOTE : Dismissal of a bankruptcy case has serious consequences. For example, if a bankruptcy case is voluntarily dismissed, it may affect a debtor 's rights to the Automatic Stay in a future bankruptcy case. It is highly recommended to consult a bankruptcy attorney.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (TN)

On XX/XX/2021, my minor daughter, age XXXX, received a pre-printed " real '' Prepaid Mastercard from Netspend, issued by XXXX, via U.S. Mail. My first major complaint is the solicitation of a minor. As far as I can tell reading online, this is illegal. 

Secondly, there is nothing clear in the package that indicates this is an optional " offer '' but instead looks very much like she needs to accept this card in order to keep receiving her paycheck, now as a direct deposit from her employer. 

Third, there is a very hidden {$1.00} per purchase fee ( or {$9.00} per month fee ) to simply use the card. There are also ATM withdrawal fees, cash reload fees, ATM balance inquiry fees, and even an inactivity fee of {$5.00} per month after 90 days of no transactions. 

This card is clearly designed to take advantage of people who do no read fine print, and especially in this case of unaware minors. 

There is no live customer service phone number, only a number to activate the card. After searching online and trying various phone menu options, I finally reached a Netspend rep and complained. She told me to simply ignore the card and throw it away. That does not take care of any of the issues I just mentioned above. These are shady, illegal practices that are at least partially directed at children.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I work at XXXXXXXX XXXX XXXXXXXX XXXX, a global professional services firm, partnered with American Express in the United States for all corporate credit cards. I hold an American Express corporate credit card with XXXXXXXX XXXX XXXXXXXX XXXX. I logged into my corporate American Express account on XX/XX/2022 to pay my bill, and I saw an exclusive offer for corporate card holders to apply for a personal American Express card. The exclusive offer noted that I will receive a " {$150.00} recurring statement credit on your XXXX XXXX account after approval, and every year at renewal when you maintain the same XXXX XXXX account ''. I entered my corporate card details to confirm my eligibility ( refer to screenshot # XXXX ). I then applied for the XXXX XXXX through the link provided on the offer page, which again clearly stated the {$150.00} statement credit after approval, and every year at renewal. In addition to the statement credit, the offer included XXXX membership rewards points after spending {$6000.00} within the first 6 months ( which I did receive ). You can also note that the normal offer to non-corporate card holders applying through the regular channel was only XXXX membership rewards points at that time. If I didn't sign up via the promotional link, then why would I have gotten the XXXX points as opposed to the XXXX that was being offered to regular customers. Once I entered my corporate card number and followed the " View my offers '' link in Screenshot # XXXX, I was forwarded to the page where I clicked " Apply Now ''. You can see the same offer was made on this page in XXXX # XXXX. Unfortunately, screenshot # XXXX does not show the " Apply Now '' link that I clicked on, so I have included Screenshot # XXXX to show how the " Apply Now '' link was shown ( Screenshot # XXXX shows the offer for the American Express Gold card, but I applied for the Platinum Card ). Luckily, I took these screenshots because I was showing my friend the two different offers ( Platinum or Gold card ) and I wanted my friend 's advice on which card to get. Finally after submitting my application, I was brought to the page which stated I was approved for the Platinum card ( screenshot # XXXX ). You can see in the website address bar that the URL included " XXXX '' and " XXXX '' - evidence that I signed up via the corporate offer link for the XXXX card. I have called American Express and they have investigated the matter 3 times. Each time they have closed the investigation saying that there was no error on their part.
Consumer complaint received 2021-01-28
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, I submitted a complaint to CFPB in reference to XXXX XXXX XXXX because they placed a debt collection account on my credit report that I had No knowledge of. XXXX and XXXX XXXX XXXX found my complaint to be correct. This company had closed and they sent me a letter stating that the account was deleted and removed from all of my credit report and that they had notify the bureaus to let them know to delete it from my credit report. Experian is the only credit bureau that refuse to delete this from my credit report. They said they are still investigating and I wrote them a letter on XX/XX/XXXX XXXX in reference to the matter which makes it over thirty days which is also a violation of my rights as a consumer. I talked to a representative XX/XX/XXXX and he said there was nothing they could do until their investigation was done. This complaint is in reference to Experian Credit reporting agency.
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: Experian Information Solutions Inc. (GA)

SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-07-28
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. (AL)

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 n accordance with the Fair Credit Reporting act XXXX Account 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 2021-09-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

I purchased my vehicle XX/XX/XXXX. The dealership submitted the incorrect county ( XXXX XXXX ) to DMV for taxes. I live in XXXX XXXX. XXXX XXXX sent Kia Finance a bill for {$770.00}. Kia Finance paid the bill and then charged my account for those taxes. I contacted Kia Finance several times in XXXX to make them aware i do not live in XXXX XXXX and this tax bill is incorrect. They advised they will submit to their tax department to resolve. In XXXX my statement still reflected the taxes. i contacted Kia finance again, this time i was advised they can not correct the error i need to call the county to correct. I contacted XXXX XXXX and they confirmed they deleted my vehicle from their system and DMV was updated to show my correct county of XXXX. They also confirmed they returned the refund to Kia finance. My XXXX statement still showed the tax bill from XXXX XXXX. I called Kia finance again and was advised i needed to submit my registration and an explanation of why i feel i am not responsible for the taxes. i advised them the refund was sent to them, however i kept being told they can not call the county to track down the refund and that i had to call. The county advised i am not the owner of the vehicle and therefore kia finance needed to call them to resolve. Mid XXXX i started to receive collection calls. instead of them contacting the county to find out where their refund was they starting applying my payments to the tax bill and therefore showing me as past due and calling me to collect. i spoke to several agents pleading with them to call the county to resolve with no one taking ownership to assist. I contacted the title manager at the dealership to help me resolve since they made the error on my tax locality, Kia finance refused to talk to her to resolve. Now we are in XXXX. up until a week ago i was still receiving collection calls. i spoke with a rep name XXXX. she put a hold on the collection calls while she submitted a request to the tax department to research. She called my Friday XX/XX/XXXX to inform me the tax department confirmed they did receive a refund check from the county yet it still has not been applied to my account and therefore my account is still showing past due affecting my credit. This is ridiculous that this has been going on for 3 months, with no resolve. There has been nothing but push back on me as the consumer to resolve an issue i did not create. it makes me not even want to keep the vehicle.
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: EQUIFAX, INC. (GA)

SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (VA)

The account was closed for XXXX  XXXX  which is false. I made a payment on the account and requested a credit information letter on XX/XX/2022. I was told the letter would be emailed in 1-2 business days. The letter was never emailed. I called again today and was told the letter could not be emailed. I asked why the letter could not be emailed. The representative then put me on hold. She came back and told me the letter would be email within 10 mins and I told her I would stay on hold until I received the email. She told me she could not stay on hold until the email was received. I advised the representative that the call was being recorded for my protection. She then said she could not stay on the line and disconnected the call.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (FL)

I am a natural person and I am a living human being. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681 and they have violated my rights numerous times.

According to USC 1681 : I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

I demand the accounts listed below be removed : 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, has violated my rights.
Consumer complaint received 2022-04-18
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. (OR)

An erroneous collection was added to my report dropping my score XXXX points. I had already paid the original creditor and the collection agency agreed to delete the error however after the deletion my score still reflects the XXXX drop. None of the bureaus have a dispute score option, so I mailed letters with a copy of my drivers license and identifying details. They replied back stating the letters didn't appear to come from me. I have no idea how to get my score corrected and I would appreciate any help you can provide. 
Kindest regards.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (FL)

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me
Consumer complaint received 2022-10-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I spoke to Wells Fargo, asked for a pay off quote, I asked for all paperwork including a remic. The only thing they sent me was a payoff amount. They have not responded back to me since. My mortgage and SS number are being messed with.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

Originally I have requested free annual credit reports from Equifax, XXXX and XXXX on XX/XX/20. I have received credit reports from XXXX and XXXX but not from Equifax. I called Equifax on XX/XX/20 and was advised to send copy of my drivers license and social security card. 

I have sent them copy of my drivers license and social security card and utility bill on XX/XX/20. But did not receive free annual credit report.