davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. ()

Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report XXXX XXXX XXXX XXXX XXXX response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. XXXX XXXX XXXX XXXX XXXX is a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( Experian, XXXX and XXXX  ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer, XXXX XXXX
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

Hello, I have been attempting to close my account with TD Bank for a month now.

I emptied it and sent 13 messages with no replies to request it be closed. I have also called twice and those calls are recorded, my account was not closed during those calls. I have reached out on Social Media and nothing became of that.

I am immuno compromised and can not go to a physical branch at this time.

There was then an accidental charge to my account and I transfered funds to cover it. I now have to wait for those funds to not be pending to close my account.

While waiting I have been charged fees for having XXXX $ in an account I have been trying to close, when I was informed in a recorded call that no fees would occur until XX/XX/20 I am extremely stressed about this situation and TD bank has done quite possibly the closest to nothing I have ever seen to resolve my issue.

Please help me, I've already lost so much in fees to TD. I honestly feel cheated by this bank.
Consumer complaint received 2023-03-23
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (GA)

An original letter was sent to the credit bureau in XXXX. I didn't receive a response so I entered a complaint on CFPB for XXXX. Bureau responded and asked for confirmation of identity. The requested information was submitted with the original request letter from XXXX as indicated in the letter from the credit bureau.The personal information on my credit report is still being inaccurately reported.
Consumer complaint received 2020-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/XXXX, I spent over 4 hours trying to get a replacement for my expired XXXX Mastercard ending in XXXX ( expired XX/XX/XXXX ). I called the XXXX Mastercard Customer Service Center ( XXXX ) # ( XXXX ) on the back of my card, who told me I could not get my old Mastercard re-instated, and to go to : XXXX XXXX XXXX and press the " Apply Now '' button to apply for a new card. However, when I did this, I was sent to my XXXX account, where there was no link to a new XXXX Mastercard application. When I complained about this to XXXX, I was told to complain to XXXX Customer Service. I had XXXX Customer Service call me several times. Each time, they told me there was nothing they could do, and to call XXXX. I was put on hold numerous times, and dropped from calls several times. I have excellent credit, and have no idea why I was not sent a new XXXX Mastercard before the old one expired. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (DE)

A few weeks ago I was notified that someone checked my credit. As I looked into it I found that TD Credit Card Services had done an inquiry. I called TD Card Services, their automated system validated me with my phone number and last 4 of my ssn. The automated system then told me that I had a XXXX   balance and a {$4200.00} credit limit. After an hour on hold I spoke to a live person who told me there was no record of an account in my name or phone number. He could not explain why the TD Card automated system told me there was an account. I asked to have a supervisor from the fraud dept call me back and he said they would. I never received a call. Next day I placed a fraud alert with the credit reporting agencies. 

On XX/XX/XXXX I received a letter in the mail from the Department of accounts and inside is a congratulations from XXXX XXXX which included my complete 16 digit account number and showing a credit limit of {$4200.00}. It was issued by TD Card Services. I immediately called TD Card Services and was left on hold for 3-1/2 hours from approximately XXXX XXXX  until XXXX XXXX  on XXXX. Note that the automated system again indicated that I had available credit of {$4200.00}. Today, XX/XX/2020 at exactly XXXX XXXX  I again called XXXX and spoke to XXXX. XXXX attempted to transfer me to the fraud dept but I was promptly disconnected. I immediately called back and have been on hold for 1 hour and 15 minutes now. 

Someone has obviously obtained credit in my name and the credit card company will not answer the phone! My credit score runs between 800 and 850. Are there any regulations that require credit issuers to answer the phone and provide support. This company clearly is not doing that! Please help! 

Sincerely,
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

At the onset of the COVID-19 crisis, I experienced financial hardship. As a result, I received a credit for {$350.00} worth of overdraft fees assessed to my checking account. On XX/XX/20, I noticed that the credit issued to me of {$350.00} was reversed. I called customer service and was transferred to the claims department. I was told the {$350.00} credit was temporary because my hardship was due to a delay in a stimulus check, which was inaccurate. I explained the situation and stated that the credit was never communicated to me as being temporary. As a result of this reversal, I also suffered a {$70.00} fee for insufficient funds. I explained to the representative that the entire amount of fees should be reversed but she stated that BOA will not reverse those fees. I asked her, repeatedly, to put me on hold and speak to her supervisor to ensure this was accurate. I warned her that taking such a stance is unreasonable, due to the pandemic and my years as a loyal customer, I would be filing a complaint with the CFPB. She finally placed me on hold for a long period of time and I eventually had to hang up. I feel as if I was purposely placed on hold for a long time so that I gave up and hung up. I find BOAs position and response to be disgraceful.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

COMENITYBANK/XXXX  failed to give me proper validation of this debt. 

I mailed COMENITYBANK/XXXX  a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (CO)

I entered an agreement with Cornerstone Lending to  automatically remove a prearranged mortgage amount from my bank account monthly. The first auto payment taken form my account was for {$42.00} more than agreed to in the written contract.. In the agreement the company also states that they must advise me 10 days in advance if the amount of money removed from my account will change, by how much, and for what reason. I was not notified. After discovering this overcharge on XX/XX/XXXX, I called the company multiple times. I was hung up on twice, no one knew why I was overcharged, and no one would connect me to anyone who did know what was going on. The Cornerstone broker  who sold me the refinance loan tried to reach out to the company as a favor to me. He claims that they won't tell him what the overcharge was for, and that they will send me a letter some day to explain. Meanwhile, I must wait until XXXX for my escrow analysis to see if I get my money back.
Consumer complaint received 2020-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

Sent secure message to TD bank on XX/XX/2020 relating to account opening bonus. Received a response 2 months later on XX/XX/2020 that was system generated. Message stated that due to high volume of requests, the bank can't respond. Promptly called customer service on XX/XX/2020 and was unable to reach a representative ; call was dropped. I called back later on the same day and was hung up on. Attempted to call multiple times over the next month to no avail. Sent another secure message on XX/XX/2020 requesting to close the account due to lack of response regarding any inquiries. The account contained a positive balance at the time. A response was given on XX/XX/2020 by representative named " XXXX '' stating that there is a negative balance because a maintenance fee was charged on XX/XX/2020 due to lack of response. Any attempts to call the bank didn't receive a response. 

The same opening bonus offer is available via link : https : //www.td.com/us/en/personal-banking/checking-accounts/featured/? cm_sp=b000-00-5177-TNT # : ~ : text= % 24300 % 20bonus % 20offer % 20available % 20to,60 % 20days % 20of % 20account % 20opening. All requirements have been followed according to disclosures. Proof will be provided via account statements.
Consumer complaint received 2022-08-01
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. (CA)

I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information the Credit Bureaus present does not match with what I have! I am requesting that the Credit Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 TransUnion : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020
Consumer complaint received 2020-08-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Law Office of Edwin B. Parry (UT)

I attempted to contact Law office of Edwin Parry in XXXX and then again in XXXX. I am attaching what they responded. Prior to that I had called and asked to work out a payment plan. The representative wasn't abusive but was rude and did not try and answer my questions. I asked what the next step was and she did not respond or address it. When I emailed, I asked them to listen to the call ... no response. I sent a second response in XXXX and all they responded after that, is that they don't communicate through email. No phone call to me. I feel I attempted to resolve it and they have not done their part at all. 

Here is the email : XXXX To : XXXX  Our office does not correspond via email. Please contact our office at XXXX. 
Thanks, XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX  XXXX XXXX XXXX XXXX UT XXXX Direct Dial : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX XXXX This communication is intended for the use of the individual or entity to whom it is addressed. If you are not the intended recipient, you are hereby notified that any dissemination, distribution, or copying of this communication is prohibited. If you have received this communication in error, please immediately notify us and destroy any copies which you may have. The information contained herein is attorney-client privileged and confidential. This is an attempt to collect a debt. Any information obtained may be used for that purpose. This communication is from a debt collector. 
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From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX XXXX To : XXXX XXXX XXXX XXXX Subject : Fwd : XXXX XXXX A month has gone by and zero follow up from you or your office. I guess I should not be surprised by your representatives unwillingness to resolve this matter. 
Sent from my XXXX Begin forwarded message : From : XXXX Date : XX/XX/2020 at XXXX XXXX  MDT To : " XXXX '' XXXX Subject : XXXX XXXX Good morning, I have tried to contact your office and work out a plan but the only option of 7 months is not feasible for me or my son. He is an adult but is unemployed at this time. He did give me authorization and I have offered to assist him but its impossible to speak in a civil manner with your representatives. I encourage you to listen to the recorded call. 

I have requested to know what the next step is if my son, XXXX XXXX, is unable to meet the 7 month payment plan requirement. The representative said she didnt know. You are required to let me know what the next step is and she should know what are the possible outcomes, yet offered no advice or information. All she told me is she didnt know what resources my son has. Clearly Im not asking about his resources. I want to know what is the next step if he is unable to pay this. I would appreciate some information from someone who is willing to communicate. If that is possible, please contact me at XXXX XXXX XXXX XXXX. Thank you! 

XXXX XXXX Sent from Mail for XXXX XXXX
Consumer complaint received 2020-09-01
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I made a payment of {$18000.00} with an effective date of XX/XX/XXXX. The payment was made on my Chase Credit Card ending in XXXX. The payment was subsequently honored by XXXX XXXX and debited from my checking account without delay. On XX/XX/XXXX I attempted to use my card ( which showed a small balance of approximately {$300.00} due to recent purchases ) to  make a purchase with XXXX of {$410.00}. Payment authorization was repeatedly denied by Chase. 

Upon further investigation and calling Chase I was advised that my payment was being " held '' until XX/XX/XXXX, with use not being allowed until XX/XX/XXXX. During that time without notice I would not have use of my approved credit limit of $ XXXX but instead {$76.00}. I authorized my daughter in law to speak on my behalf and she further confirmed the payment having posted to my XXXX account, that there was no advisement by Chase on my payment confirmation email, credit card statement terms or account profile on chase.com that the payment would be held. 

Chase Supervisor XXXX XXXX - XXXX, MO was also advised of the situation and that my payment had cleared XXXX on XX/XX/XXXX and that this was unacceptable. XXXX pointed my daughter in law to a clause in their card agreement that enables them to take up to 14 days to process a payment and make it fully available on my account. This is the 1st I've heard of this and have never experienced such treatment previously. 

I have been a customer of Chase for many years and have never had a late payment, over limit situation or any payment not honored by XXXX. If Chase intended on " holding '' my account/payment and not allowing me to utilize it I should have been notified. 

I am in the process of trying to move and this has created an undue burden on me for no valid reason.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020, I went to XXXX XXXX XXXX located in XXXX  XXXX and requested a personal loan. The young lady asked me for my driver 's license so she could use the information for the application to pull my credit. Whole she was doing so, my wife called and told me not to do the loan. I got off the phone and informed the young lady that I do not wish to continue with the loan application process. She acknowledged what I said, said one moment, and scanned a copy of my driver 's license before giving it back to me. I asked her if my credit was going to be pulled, and she said no. When I left the bank, I started receiving emails alerting me of a change to my credit has been made. I have since called XXXX XXXX XXXX and asked for them to remove the hard inquiry and each time they said they can not.