davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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: CITIBANK, N.A. (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. 
CITI XXXX Date Opened : XX/XX/2016 Balance : {$5600.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-12-29
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: TD BANK US HOLDING COMPANY (NV)

My credit card was stolen on or about XX/XX/XXXX ; upon learning of this situation I immediately contacted TD Card Services and reported my XXXX XXXX Client Rewards Visa credit card stolen on the same day of XX/XX/XXXX. TD Bank Services assigned this as case # XXXX. TD Card Services closed my account immediately to prevent further unauthorized charges and mailed me a new card ending in XXXX. TD Card Services said I would not be liable for any unauthorized charges which is pursuant to their terms and agreement. During the call, TD Card Services identified two unauthorized transactions of {$230.00} and {$230.00} made on XX/XX/XXXX, the same day my wallet was reported stolen to them. These two transactions were the only two identified as unauthorized and the bank assured me this is protected by their zero fraud liability protection since I had reported my wallet stolen promptly. 

I received a letter dated, XX/XX/XXXX stating that no billing error occurred and that I was responsible for the charges. I did not receive any type of proof documentation by TD Card Services supporting the reason for their decision. I immediately called TD Card Services ( XXXX ) and was told that " since no more attempt to charge the card was made after XX/XX/XXXX ; they therefore assume the charges as valid '', this is the most absurd reason I have ever heard. The reason TD Card Services has given me to support their validity of the charges does not make sense and lacks any type of credibility and logic. I know for a fact that the bank is in violation of its terms and agreements and also in violation of federal law for re-posting these charges which are clearly fraudulent as a result of my wallet being stolen. The bank has not presented any paperwork evidence to support their position which is unacceptable on all levels.
Consumer complaint received 2020-11-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.
Consumer complaint received 2020-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC. (NY)

I transferred my portfolio from Robinhood to XXXX. During the process, Robinhood charged me {$75.00} transfer fee without notifying me. I asked them where the disclosure was and asked for a reimbursement. They pointed me to a FAQ page which didn't show up during the transfer process.
Consumer complaint received 2020-11-25
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: Bread Financial Holdings, Inc. (NY)

On Friday XX/XX/XXXX, there were five charges to my XXXX card ending in XXXX from Sony, for {$84.00} each and one charge for {$44.00} totaling just short of {$500.00}. I've had issues previously with family members using my card to buy online content without my consent, so I froze my account. The only time a transaction is supposed to be authorized is if it's a recurring subscription, or, I manually log into my bank and unfreeze it. I contacted XXXX, disputed the charges, and was issued a temporary refund that was however reversed when the bank took the side of the merchant since the merchant stating that the charges were valid. The charges were never supposed to be authorized in the first place, that's the reason I froze my account in the first place. XXXX informed me that Sony originally marked the charges as one time normal charges, which they were, but because my account was locked, XXXX  denied the charges, so Sony fraudulently issued a charge back, a second time, but this time, marking them as recurring subscriptions. I don't have 5 subscriptions from Sony for {$84.00} each and 1 for {$44.00}. So why would they charge it as a subscription? That's fictitious and highly fraudulent. I tried contacting Sony for a refund and explaining the situation but they wouldn't even budge, who in their right mind spends {$500.00} on in game purchases, especially in the midst of a pandemic where they can barely even afford to do so because they're out of work.
Consumer complaint received 2020-11-25
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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have an auto loan with Toyota Financials since XX/XX/XXXX. In XX/XX/XXXX, they reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late. As the result of that reporting, my credit score took a significant hit and disrupted my house refinancing. I have never been late with any payment, Toyota included. My XXXX and XX/XX/XXXX Toyota payments were deferred, so, after the deferment period ended in XXXX, I contacted the Toyota financials to made the payments for those deferred months and also to bring my account status from deferment to current. The Toyota financials representative assured me that everything is paid and my account is current. But, in XX/XX/XXXX, they reported me to credit bureaus for 30 days late for XXXX payment, which it supposed to be paid during my phone call with the Toyota Financials representative. I called Toyota Financials and I was told that they never took the XXXX payment and it was too late to withdrew the credit reporting. 
Toyota Financials representative assured me during my previous phone call that everything is up to current, then how could I be late for their XXXX payment. Also, all my Toyota payments were autopaid. My XXXX and XXXX payment were paid without problems, how did they just missed the XXXX payment? 
I contacted Toyota Financials and they refused to correct or withdrew their reporting. That is the reason I am filing this complain against Toyota Financials today. I have NEVER been late on any payments in my life. This time is certainly not my wrong doing.
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

My wife and I originally did a home mortgage with TD Bank , N.A . on XX/XX/XXXX for a refinance and cash out in the total amount of {$900000.00} with a interest rate of 3.5 % for 30 years. On XX/XX/XXXX we did a home mortgage modification in the amount of {$880000.00} with a interest rate of 3.125 % for 30 years. I have maintained my on payment status with TD Bank throughout the history with them and never had any late payment problem or skipped payments. However, on XX/XX/XXXX, I received a formal notice in the mail from TD Bank , N.A . that they are closing all my accounts with TD Bank ( e.g. personal checking, XXXX checking, saving, etc. ) including this mortgage loan that I have with them.

I have emailed the executive teams at TD Bank, left messages with them, however, they are not return my calls or respond to me. I believe TD Bank is engaging in predatory lending practices ; they are trying to seize the collateral, or my primary domicile, even though I have excellent payment history with them. This is a classic example of lender liability in which they are trying to own my property for no fault of my own. 

In fact, according to the original Note I have executed on XX/XX/XXXX, Section 6 ( b ) Default, Default only occurs " If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. '' I have an excellent payment history, and was never late on payments. I have not served with the Notice of Default as per Section 6 ( c ) of such Note. I do not understand why they are now claiming they will close all my accounts including the mortgage account I have with them. I am not sure why the bank is doing something like this to prey on consumers during COVID-19.
Consumer complaint received 2020-11-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

We had to put the house in forbearance in XXXX of this year. The covid=19 impact started in XXXX, when XXXX and I 's employer started to cutting back the amount of hours we could work. In XXXX, more hours were cut. XXXX and I were stretched beyond our means. So I strarted researching solutions. We were afraid to go into forbearance at first, we heard horrible stories about peoples homes being taken just as soon as the forbearance plan ended. In XXXX we had no choice, he was working 30 hours a week, I was at 20. This begins the challenge with LoanCare. They promptly allowed us forbearance, through a canned email. I tried several times to contact a live person to get details, no one answers the calls or the emails outside of the automated response ( we received your email and are working to get it into the right department ) This is the only type of email I have ever received from LoanCare. There is never any instruction on whats coming next, what I should have ready just nothing. I need ed to speak to a LoanCare representative in XXXX, I knew that forbearance was coming to an end. I called multiple times a day, left several emails every day. Still no response. So to cover our home I had to request anothe months forbearance, because I had no idea what was going to happen next, I still have no idea whats coming our way. Today I received another email, stating that I had documents to esign. There was no document to sign, A few minutes ago another canned email warning me that that this document was going to expire and needed a signature. At no time since LoanCare bought our loan from XXXX  ( awesome company, communicative, returned phone calls and emails with a 24 hour period consistently ) have I heard a live voice, or received a personalized letter from that company. Its a scary, stressful and daunting thought knowing that I am tied to a company for 3o years and that when an emergency comes up I will not be able to get direction or help from this company. The last time I cheched online it stated my next payment would be due XX/XX/XXXX. Today it say that payment is due on the first. Kind of short notice. I'm not sure I can come up with the entire payment with such little warning. To me it seems that LoanCare is going to do things in an unethical manner, and I have no idea what to do.
Consumer complaint received 2019-04-09
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: Nelnet, Inc. ()

In response to CFPB complaint XXXX XXXX approved monetary relief for my private student loan under its permanent XXXX program for military veterans. I have contacted XXXX and XXXX to notify them that the credit reporting agencies are still showing I owe the debt + interest. XXXX on several occasions informed me they do not service my former loan and that I need to contact XXXX. When I contact XXXX, XXXX tells me XXXX does service my loans and they have been instructed to remove and perform the appropriate actions. I again contact XXXX and is told the same information " we do not have any information on your loans, your loans is with a different servicer possibly ''. XXXX also told me that I should probably dispute the information with the XXXX credit agencies. 

I contacted all three agencies and opened a dispute and each dispute was closed as " No Change, Creditor validated information on report is correct ''. Therefore, the credit agencies still is under the impression I owe this debt despite me sending them the letter from XXXX showing the loans should be removed. 

I have uploaded the original complaint, the letter from XXXX, and the response from one of the credit agencies.
Consumer complaint received 2020-08-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it.
Consumer complaint received 2019-04-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION (TX)

XX/XX/XXXX and every other day of the week ( weekdays Im contacted by this company saying. I owe over {$2300.00} for a loan that I got with XXXX XXXX XXXX. I mentioned in XXXX to XXXX XXXX XXXX that I may be out of work for some time tried to get a lower amount to possibly pay since husband was XXXX to XXXX   instead of XXXX. Which has been hard to find a job. Ive recorded a few calls with this company on my sons cell phone they are very pushy stating I should try to get the funds from someone else. Which I have always done by myself and worked. I left my job of almost 4 years in XXXX and we are barley making ends meet. This loan was over {$140.00} every two weeks at my old job. I could afford it. Now the collections. Department is being very pushy calling me way early in the morning. Demanding pretty much that I pay. Theyll tell me to contact them when financial situation is better but then contacts me again from random numbers that I dont even know. This loan was received in XXXX from then until XXXX i paid over {$140.00} every two weeks now they are saying I owe over {$2300.00} for this loan in collections. Which I cant afford! I refuse. The lady XXXX never mentioned any type of fees with interest being added for the loan at all. I even asked for a payment to be pushed to the end. she said she couldnt Do it! When it was with XXXX XXXX XXXX
Consumer complaint received 2019-04-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (TX)

I was referred to Equitable Acceptance Corporation for a loan forgiveness/consolidation program for my student loans XX/XX/XXXX. I called the company and setup an account with them on XX/XX/XXXX. At that time I was informed that they consolidated my loans and I pay them monthly while they pay my loans off. XX/XX/XXXX I received an email from my student loan officer with XXXX XXXX College stating I was 174 days late. I called my loan officer on XX/XX/XXXX and found out that the company was fraud.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

My Mortgage company has not spoken with me since I filed this complaint was XX/XX/2019. I would receive a call every third day. I called in regards to this foreclosures cancellation date and the company was not aware of the the current servicer decision
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX XXXX Wrote me on my personal email regarding the complaint. He wrote me to validate information and asked no questions pertaining to the debt. I received emails at XXXX with him being immature and refusing to delete the remaining information. Only one month was updated, once I informed him he stopped responding and informed you all that he wrote me directly. I do not have an email to XXXX and only to a personal email that I told him I will soon block him on
Consumer complaint received 2020-11-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the Equifax data breach and might have got to the hands of the wrong people.
Consumer complaint received 2023-01-09
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. (FL)

Hello I hope that this message finds you well. I am a consumer let me first start there. This company that I make this complaint against has used my report inaccurately and unlawfully. According to 15 USC 1681e these companies should make sure that are not in violation of 15 USC 1681c which discusses and states that the only reason any information should be furnished on an account is because of federal judgments or if permission was granted. COVID-19 set alot of people back including myself having to walk away from the industry. Now I was checking my credit report on yesterday and I noticed that XXXX XXXX  is reporting multiple late payments and this reporting agency is allowing the furnishing of such information after I asked for accommodations under the CARES ACT which states that information is supposed to show as current and never late. If I may add further to that. There are laws that have and are still currently in place that state that open transactions should not be reported and that also written consent must be given by the consumer which is me to furnish such information and looking at the consumer report the information is incomplete and inaccurate. This is aggravated theft and I am demanding that this account be removed due to the multiple law violations that this reporting agency has broken. This has caused significant trauma. Please allow me to be CLEAR. I am not looking for VERIFIED nor am I looking for those spam like messages that state that we are required to report which is not true by the way. I just provided the law that CONGRESS placed not your policies. I want the account removed or I reserve the right to get the allotted amounted for each violation.
Consumer complaint received 2019-12-29
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: CITIBANK, N.A. (PA)

There is an unauthorized charge on my credit card XX/XX/2019 of {$55.00} from XXXX XXXX XXXX XXXX XXXX PA This merchant did not provide any service, a dispute was open in XX/XX/2019 and a credit was applied on my credit card a letter was issued by Citi bank. The amount was then debited again on XX/XX/2019. On XX/XX/2019 a representative from the dispute department stated that they did not understand the nature of the first dispute and there was no documnetation on file from the merchant and did not offer to credit my account back. 

As I mention we did not receive any goods or services including any card holders or family members from the above merchant, Prior to XX/XX/XXXX I was informed by Citi that the dispute was resolved in my favor.