davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

Without any prior notice, TD Bank has frozen my account and not allowed me to make deposits or withdrawals. Since I opened this account, TD Bank has not sent me ONE single paper statement or allowed me access to my online accounts. They have hit me with numerous overdrafts fees and sent me no letters about these fees. In fact, the consumer agreement sent to me when the account was opened does NOT reflect the overdraft patterns. My attorney and I have already taken notice of TD Banks recent fines by the Federal government for misleading overdraft abuses against consumers. Back in early XX/XX/2020 I requested to have these overdrafts turned off and despite this TD Bank claims there is no such record that it was turned off and claims it was turned ON. This is an impossibility as the account was opened with overdraft services on. The lack of access to my account balance including through automated phone services has made it incredibly difficult to track TD Banks dishonest and abusive overdraft patterns.

If this freeze has anything to do with a prior checking account and credit card fraud from two older TD accounts, I would remind TD Bank that I have all documentation kept from those accounts in which TD Bank cleared me of any responsibility of those debts because of the fraud. And I have documentation from TD Bank acknowledging the fraud occurred because of a TD Bank error. 

It seems very clear to me that TD Bank continues to use abusive behavior that targets the consumer and attempts to back up its dishonest claims by using incomplete account notes from many different customer service representatives from a myriad of departments. Defaulting to any such notes to justify this abusive behavior is unacceptable Let me also make it clear : I do not care what records you have of any letters you have sent, paper statements included. I have never received them and yes my address on file is correct. I am legally entitled to these and shouldnt have to stop in a bank every single day to make sure TD Bank isnt stealing my money.
Consumer complaint received 2023-08-23
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: AMERICAN EXPRESS COMPANY (DE)

On XX/XX/2023, I ordered a portable air conditioner from XXXX for {$470.00}. It was marked delivered at around XXXX on XX/XX/2023, but the picture attached to the XXXX  tracking number provided was not at my house. I have cameras and no delivery driver ( or anyone for that matter ) came onto my property. I searched around my house and immediate neighbors houses just to be sure, with no luck. After reaching out to the Merchant ( XXXX ) they informed me since XXXX provided a proof of delivery ( even with it being at the incorrect house ) they would not be able to help me with a refund and I should dispute this charge with my credit card company, American Express. I put in the dispute ( Ref. NoXXXX  ) the next day, providing a detailed written explanation as to why this charge was being disputed, along with photos of my house both in person and on XXXX XXXX to corroborate the fact that it was NOT delivered to my house, the house in the photo XXXX  provided does NOT match. I expected a prompt and easy resolution, what I have recieved couldn't be further from that. The dispute has been continuously closed in XXXX favor over and over, NONE of the agents will look at the proof I have provided to them. They are taking the " proof of delivery '' from XXXX, provided by XXXX, and claiming that since XXXX says the item is delivered I am not entitled to a refund. This is not what the dispute process is for/about. I have already reached out to the merchant myself, and was unable to reach a resolution. The product was never recieved, THUS the dispute. It is supposed to be their job to investigate this incident, and instead of doing any investigation of the proof ALREADY PROVIDED they just keep continuing to reach out to XXXX and ask them if I deserve a refund. This is absolutely frivolous. Of course, the merchant is not going to say I should be refunded when I have already reached out and asked for a refund that they denied. The whole point is for an investigation to take place, to look at the evidence available. I have provided evidence while XXXX has nothing but a page saying " yes it was delivered to this address '' I am absolutely shocked at this process and the outcome. I will continue to dispute the charge with Amex as long as I have to, I will NOT be paying almost XXXX dollars for an item I never recieved. 

I will include the pictures mentioned previously ( of my house and the XXXX  delivery photo to the INCORRECT house ) with this complaint. These photos have already been submitted to Amex and they do not review them.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (PA)

XX/XX/-XX/XX/I underwent several month of sickeness due to XXXX like symptoms. I also lost two members of my family and faced the transition of also having to abruptly move home from my university. According to Section 1637 ( b ) I should have received notice 21 days before due date of payment. I have never received any notification of payment. Bridgecrest claims regardless of sickness they are not able to change this information on my report whether due to sickness, ailing health or not.
Consumer complaint received 2022-05-30
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. (CO)

There are XXXX inquires on my account that i did not authorize, i reached out to experian but they said these inquires arent on my report but when i look at it through the experian app all the inquires are still there, please remove these inquires from my credit report Experian
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/XXXX, annual fee of {$95.00} was charged on my capital one venture card. I owe {$0.00} dollar other than the annual fee charge. I called on XX/XX/XXXX to ask for cancellation of the card and the fee. The company would not do it.
Consumer complaint received 2020-11-30
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. (NJ)

Experian and XXXX  has a Chapter XXXX bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accurate. I would like to exercise my rights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... On XX/XX/XXXX experian send me a email stating that it was verified and the item remains unchanged fr4om there processing of XX/XX/2020 dispute I respectfully ask that you investigate they actions and have them to contact XXXX and show proof that they contacted XXXX instead of them doing there own internal investigation without contacting XXXX. I submitted a new reinvestigation on XX/XX/XXXX with experian. Its been over 30 days and i have yet to receive a responds from XXXX
Consumer complaint received 2021-02-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (GA)

on XX/XX/2021, i sent online information service a 2nd request with the alleged tradeline from XXXX XXXX, i am asking for This letter is being sent to you in response to my last notice on XX/XX/2021. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX  or XXXX  ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: U.S. BANCORP (CA)

I had sent a zelle transaction through my US Bank banking app. The receiver is someone who is a regular verified recipient and they never received funds. I've filed several disputes, bank has promised provisional credit after 10 days of investigation. 3 investigations have been closed with no resolution and no funds have not been deposited on either end. They have no real answer for what happened, just a technical error. But US bank will not make it right. They clearly see the funds were taken from my account, never deposited and not in the zelle warehouse. It's been since XX/XX/XXXX since I've been dealing with US bank to figure out what happened and to make it right.
Consumer complaint received 2020-11-30
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. (CA)

Experian did not take into consideration that the misappropriated payments and payments not taken into consideration caused some months to be reported as late. Both Experian and XXXX XXXX the 2 companies involved here are already being punished by Federal and State agencies for their inefficiency and lack of correct customer service and support. The other three Credit reporting agencies resolved the issue without any problems, but Experian continues to defy and contribute to customer hardship and stress by taking their law into their own hands. There were several months in which I was not late on my payments and payments were not credited accordingly. I s appeal their decision that they have resolved the issue. Today I got an email from them mentioning that it was. Request that yo investigate my case more closely. 
Request to amend my complaint to discrimination and elder abuse.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please delete these accounts and inquiries which I do not recognize and are affecting my credit : Inquiries XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX Accounts Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}
Consumer complaint received 2022-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Payment Resolution Services (CO)

I receive letters frequently from XXXX and Payment Resolution Services ( PRS ), " represent [ ing ] the interests of XXXX '', for money that is not owed as far as I can tell. XXXXPRS have not provided adequate evidence of why the money would be owed and it is related to medical claims from years ago in most cases. I have repeatedly disputed the claims by mail, phone, email, and certified mail ( return receipt ), in addition to filing a complaint with the CFPB earlier this year. In response to my prior complaint, PRS said that they " closed the open inventory, '' yet I continue to receive letters from them ( 3 in the last 2 weeks ). I again welcome the chance to clear my name, yet XXXX/PRS refuse to speak to me despite previously confirming in email that the debt was not owed- they instead continue to harass my family with bogus debts.
Consumer complaint received 2019-05-27
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. (WA)

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICA FIRST FEDERAL CREDIT UNION (CA)

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AMERICA FIRST FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, UT XXXX In this bank I opened and closed the following accounts : OPENING Checking Account # XXXX XXXX {$1.00} XXXX Savings Account # XXXX XXXX {$370.00} XXXX XXXX Account # XXXX CLOSING Checking Account # XXXX Savings Account # XXXX XXXX TRANSFER {$5.00} XXXX XXXX Account # XXXX XXXX TRANSFER {$330.00} XXXX In XXXX XXXX XXXX, UT, I tried to purchase two different properties and the realtors rejected my cash offers with ridiculous excuses. I strongly believe this bank told the realtors that I WAS UNDER INVESTIGATION AND THAT THE BANK COULD NOT PROOF MY FUNDS, WHICH IT IS A LIE. The consequences of this FRAUDULENT UNDER INVESTIGATION STATUS has caused me the following : I have lost a big amount of money moving from state to state ; lost a big amount of money selling my properties immediately after I purchase them doe to the merciless harassment ; I am being rejected socially due to people believe I am a criminal or I am crazy ; I have been harassed, I strongly suspect by bank under cover officers. Lies ( that I am a criminal or that I am crazy ), are being spread to my neighbors, church members, employers, singles groups etc. I have been fired from several jobs without any valid reason, and I have been rejected, CONTRADICTORILY, one day after I have been hired VERBALLY. My car have been vandalized ; My personal homes have also been broken into. When I reported it to the Police I was told no one is harassing me, no one is vandalizing my properties, and that I am crazy. The police minimize the problem justifying the police officers, or ignoring at all my complaints.. XXXX, emails, and cellular phone have been hacked and impersonated bothering my friends and me. The most strange is that any lawyer wants to take my case. I AM MARKED. 
I request the police let me live at peace, being secure, and have a productive life, without torture and the degrading treatment the different police departments have been doing to me for THE LAST FIVE YEARS in a daily basis. 

- XXXX XXXX Cashiers Check to open accounts in America First. 
- Two cash offers to two different realtors are attached. 
- Police reports made in UT. 
- Cashiers check that America First reported as fraudulent to XXXX XXXX XXXX XXXX manager when I closed the account in XXXX, ( for {$18.00} XXXX ) - Closing account letter. 
- TWO Wire transfers receipts from America First to XXXX XXXX XXXX, XXXX XXXX, California, bank that was the ESCROW to purchase my property in 2019.
Consumer complaint received 2020-12-04
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)

I AM LOOKING FOR HELP GETTING THESE FRAUDLENT ACCOUNT REMOVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY. BUT I AM A VITCIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME. I HAVE BEEN TRYING TO FIND THE CORRECT REMEDY TO GET THESE ACCOUNTS REMOVED. NOT ONLY DID THEY OPEN ACCOUNTS BUT THEY ARE INQUIRING ABOUT NEW ACCOUNTS. I HAVE SEVERAL FRADULENT INQUIRIES AS WELL. PLEASE HELP.
Consumer complaint received 2021-02-19
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. (GA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 51 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 30 days gives a reason to immediately remove those items from my credit report it has been over 51 days so they should be deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX date breach and may have got into the wrong person.
Consumer complaint received 2021-02-19
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: Bread Financial Holdings, Inc. (IL)

On my credit reports there is a closed account with huge amount of missed payments. COMENITYCAPITAL/XXXX ( Opened XXXX. XXXX, 2018 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COMENITYCAPITAL/XXXX  has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-12-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MN)

A few years ago I rented a car through XXXX with the condition that I could return the car at anytime with no penalty. I did so and in XXXX of XXXX I returned the car and there was no problem with them or did I hear from them about any issues with returning the car. Then on XX/XX/XXXX, I recieved a letter from Receivables Performance Management that I owed them {$7200.00}. I did try to contact XXXX to find out what was going on and there support did not seem to know anything about this. So I then sent a letter explaining that this debt was not mine and if they felt I owed the money to send me the copies of the original documentation that they based it on and to not contact me again. I did send the letter certified and they recieved it on XX/XX/XXXX. So today I recieved an email from them trying collect the money which did not honor my request not to contact me and also they did not include and of the documentation I asked for.
Consumer complaint received 2021-02-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.