davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2021 I opened a checking account with TD Bank after I received a promotion in the mail from them. The account was opened with a {$500.00} deposit from another bank I currently use. After account opening, I registered online and downloaded the bank 's app to my mobile phone and tried logging and there was some problem and the app instructed to call them on the 800 number. I called to find out what the problem was and they just said I have to go into the branch to verify something but they could not tell me what needed verification -- I just have to go in person. I reminded the representative on the phone that we are still in the middle of a pandemic and this would qualify as something considered essential. Nevertheless, I took time off from work on XX/XX/2021 to visit the nearest branch and correct what the problem was and possibly use this account for its intended purpose. The representative in the branch told me that there is a fraud notification on my account -- when I asked why when I entered all of my information correctly online and my application and deposits were accepted yet he could not provide any answers he could only tell me that I can not access my account but I can request to close the account. Since opening I had made an additional deposit on XX/XX/2021 and now I need to use this money to pay for living expenses so I agreed and asked for the funds to be returned and please close the account. This was also a problem and he said that closing the account would also not be possible -- I have to wait for the bank to decide what to do and ONLY THEN I would be able to close the account. Now I am stuck without money, without a clue as to what caused a fraud designation, more importantly without the ability to pay bills at this time.
Consumer complaint received 2022-07-23
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. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-23
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. (TX)

I am a victim of identity theft and I have to constantly try to rectify the effects as accounts that were opened fraudulently are continuing to report in my credit file and I am being contacted in reference to the fraudulent debts. The fraudulent accounts are Fair collection and Out, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-20
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. (NY)

On XX/XX/2021, I made a {$170.00} purchase on a website called XXXX. The following day, I looked up the website to check my tracking number and saw that the website was unavailable ( it is still unavailable to this day ). Without a way to cancel my order, I filed a dispute with Citibank to stop the charge. I emailed the merchant and asked where the website had gone and when I did not receive a response, I asked them to cancel my order. The merchant responded back confirming they would issue a refund and cancel the shipment. I have not received my refund. Citibank has denied my dispute despite agreeing with me on the phone when I called. I spoke with a person named XXXX at Citibank who confirmed with me that the email conversation was sufficient enough to resolve this dispute and that she would have the investigators have a look. I have since been told I am still responsible for this charge.
Consumer complaint received 2022-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (NY)

I saw that a Credence Resource Manage was stating I own them {$750.00}. The company claimed they sent me many letters and I never received them. Once I saw the collection item on my credit report, I requested that they send me the contract I sign, along with my state identification, and last 8 months of payments. I ask for this for them to proof the account was mine and I open this with them. I am still waiting on this. I have never open any account with them or XXXX. 
They claimed I made payments to them, I have never paid CREDENCE RESOURCE MANAGE any money or have I signed any contract with them. I have reached out to them by phone and letters by in XX/XX/2022 and XX/XX/2022 and have not received a respond or return letter. 
They need to provide the proof that I opened this account and they are entitled to whatever they say I own to them. 
This negative item is showing up on XXXX, XXXX and XXXX.
Consumer complaint received 2022-02-03
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. (NY)

I HAVE TRIED TIME AND TIME AGAIN TO REMOVE FRADULENT ACCOUNTS FROM MY CREDIT REPORT TO NO AVAIL. I HAVE SENT WRITTEN REQUESTS, CALLED OVER THE PHONE, FILED POLICE REPORTS AND NOTHING. I HAVE MORE THAN A YEAR TRYING TO GET THIS FIXED. IT IS HIGHLY AFFECTING MY RIGHTS TO LIVE A GOOD LIFE. 

XXXX XXXXXXXX XXXX DELAWARE XXXX XXXX BANK DELAWARE XXXX XXXX
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I've had an XXXX XXXX credit card with USAA for more than five years. A couple months ago, I received an email notification alerting me that the account would be closed for inactivity if I did not make a purchase on the account. I ordered a new physical card, that was delivered, and on XXXX XX/XX/2022 made a purchase. On the statement due date, XXXX XX/XX/2022, I paid the statement balance of {$26.00}. 

On XXXX XX/XX/2022, I received an email from USAA notifying me that the credit card had been closed dude to inactivity for the last three years. Online, the available credit was reduced to XXXX. I attempted to call, and there was no ability to speak to anyone in the credit card department regarding this error in their system. I could only be routed to their checking department, as that was the only remaining account that I had open with them. 

This action taken by USAA will detrimentally impact my credit score, as it will reduce my available credit. This adverse action was taken despite my acknowledgement of their notice, and having taken affirmative action to prevent this outcome.

When I called USAA to rectify the problem, I spent almost 40 minutes on hold. When I called back, I attempted to completely end my business relationship with the company. I asked to not only close any open accounts, but to sever all ties with the company completely due to their inability to provide anything approaching competent banking or customer service. I was advised by the representative with whom I spoke that the best she could do is close my account and add a note to my membership. 

This is unacceptable. Obviously the best course of action would be for them to reinstate the credit line that was closed due to their administrative error. If this is not feasible, I wish to have every relationship with the company terminated. Their inability to provide a path to either resolution I would consider satisfactory has caused me to open this complaint with the CFPB.
Consumer complaint received 2022-12-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MO)

I was in deferment for 18 months with a VA backing for the Deferment the VA paid the {$24000.00} deferment and now the company is claiming that I still owe after they told me I was paid in full I have it on recording were they told me I was paid up to date everything was good and now theyre claiming I still owe XXXX something dollars when I asked for my documentation to prove that I do not owe they are refusing to give me documentation that I request they have yet to receive give me my deferment paperwork And it looks like they were putting it into foreclosure not a deferment they did not do what they said they were doing. They lied to me. They have lied to me several times I have it on recording and when I say you already told me I was paid in full. I have it on recording they say oh my bad we were wrong. We need to fix this you still owe and I think thats wrong. They refused to prove the numbers they have changed. My monthly payments claimed I wasnt making monthly payments charged me fees for late fees when I wasnt supposed to get them, but yet refused to send me the documentation, even my lawyer was refused documentation
Consumer complaint received 2024-08-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$510.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1500.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank/ XXXX  , WAYFAIR , & VICTORIA SECRET is reporting inaccurate 30 day late payments on my credit report. I spoke with a representative about why they are reporting over 3 months of late payments. I applied for their hardship program that I'm currently on. I was set up on automated payments that I have been making on time every month. When I spoke with this representative she informed that until I get " current and caught up with the original monthly payment, that It will show as late payments and they will not remove them! This is erroneous!! and I violation to say the least. 
I am requesting that they remove XXXX and XX/XX/ Late payments. I was not late, made the payments on time! They need to be more upfront with their customers and make them aware of what they are getting themselves into when filing for hardship. Hardship programs are supposed to help people not XXXX them over!!!!
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

I had unauthorized charges on my checking account in XX/XX/2021 from a seller called Cali Styles. I notified Chase that I did not authorize the charge of {$750.00}. Chase refunded me while they investigated the claim. Chase contacted the seller name " cali styles " which furnished further fraudulent information stating that they sent me a package/ " play station '' through US Postal service and had a tracking number. Chase stated the electronic payment and this mail served as enough proof and would not defend me or refund me any further despite documentation and reasoning. 

Shortly thereafter XX/XX/2021, I had moved and overlooked mail and found this fraudulent piece of paper XXXX XXXX sent in order to feed their fraudlent activity. The USPS mail they sent weighed one ounce which clearly is not a play station. I notified chase of all of this but they will not review anything anymore from me. 

Chase will not review my claim which truly shows I did not buy anything from this company. They also wont provide me with the sellers contact information so I can dispute this further. Chase refuses to look at evidence presented. Police reports, bank statements and other facts such as I am a single female living in AZ and that I am not a married male agreeing to meet this seller in person in California on days I am working and living in AZ. Chase will also not look at evidence that it does not make sense to have a package mailed and meet in person for a sold item. Hence feeding the fraud because I did not meet this person or authorize charges. 

I have filed a police report, I contacted all three of my crediting agencies ( ie XX/XX/XXXX) to put a fraud alert on my accounts. I filed a complaint with IdentityTheft.gov. I am contact you for help as well. They told me to take this seller to small claims court but I can not because I do not have the identity or a business phone number or name. 

Please help me defend myself because Chase bank will not defend me!
Consumer complaint received 2023-06-07
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. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-08-25
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand why? Please help me out. 


-US DEPT ED XXXX XXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX -DP OF EDUC XXXX : XXXX
Consumer complaint received 2022-12-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

claim # XXXX for chase acct XXXX. Fraud! Check altered & cashed by unauthorized person. Chase fraud department contacted numerous times. Several letters to us saying claim cancelled. Several times Fraud department saying claim not cancelled. Several times asked for same documents which we submitted. No one is in charge, and no one seems to know what anyone else has said or done. Original claim filed by Chase bank XXXX. in XXXX.
Consumer complaint received 2021-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MA)

XX/XX/XXXX I wanted to write down what my mortgage company told me as I wrote on the documents they sent me and you may not be able to read it. 
I called PNC on XX/XX/XXXX at XXXX a.m. I spoke with XXXX XXXX. I was hoping to get some positive directions on how we can fix our situation. I asked about the XXXX  documents they sent to us. I told them that I still have not found employment, and that I did have interviews coming up. I was originally told that they could add the balance owed to the end of the loan. They were also to add XXXX months on to our Covid relief program. I apply to jobs every day and have XXXX pages ( front and back ) of jobs I have applied to. Right now, we only have my husbands income coming in. With one income, it is a terrible decision on what to pay/buy - food/medicaXXXX bills, regular bills. 
I was told that they could not add the balance to the end of the loan as they stated because my situation had not changed nor had our income changed and we can not pay as of yet. 
They said they could resubmit another extension for forbearance, however, that would mean that they would resubmit for another XXXX months of payments and that balance would be owed as of XX/XX/XXXX which would be {$25000.00}. If we did this, they stated that the breach demand would stop. Right now, the letter we received says we would have to pay {$21000.00} on or before XX/XX/XXXX. I told them, if I had $ XXXX I wouldnt need to go through all of this. 
They told me that I could do a hardship document and we would have to qualify. They would need me to write a letter submit 30 days of income, XXXX bank statements and the last XXXX IRS tax forms. My question here is the last XXXX IRS tax forms do not show what our family is going through now. 
They told me to get credit counseling and did not offer any other suggestions. PNC is a very hard company to deal with. Prior modifications with this company only raised our monthly payment and did not help.
Consumer complaint received 2022-10-08
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. (FL)

in accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 usc 1681. 

account name : # XXXX, account name : # XXXX, account name : # XXXX 15 u.s.c 1681 section 602 a .state i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it also a state consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 u.s.c 1681s_2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-23
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. (SC)

I sent a letter on XX/XX/XXXX to remove the unverified inquiries that reporting in my credit file. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any information/accounts/inquiries not later than 4 business days.Please find the required documents to assist in the blocking of these unverified inquiries which is being posted to my report. Here are the list of inquiries that I want to remove : 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 XXXXXX/XX/XXXX ;
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX {$3100.00}, XXXX XXXX {$660.00}, LVNV FUNDING {$720.00}, LVNV FUNDING {$970.00}, XXXX  {$10000.00}
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I have written good will letters to take off late XXXX  payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.