davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MI)

ON XX/XX/XXXX  I closed a Jeweler Rewards Card processed through Comenity Bank.  Today (XX/XX/XXXX) I received a statement with $XXXX in charges from XX/XX/XXXX.  The charges were taken care of by XX/XX/XXXXXX/XX/XXXX.  I then called Comenity Bank and asked them why my account was open.  They told me it was closed.  I then asked how charges could be processed to a closed account.  The customer service representative said I would need to speak to a supervisor.  After 10 minutes the CS representative came back and said he could waive the charges.  I told him that was not the issue, the issue is that the account should be closed and there is a problem somewhere if charges were allowed to go through.  He said he understood but he didn't know how to take care of that.  I then asked to speak to the supervisor to whom I was going to previously be transferred.  Instead of transferring me, he put me back to the automated system listing account details, etc.  I need to know this account is permanently closed and these charges will never occur again.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>. 

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : 1. Update My Name : Please update my credit profile to reflect my new legal name.

2. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history.

3. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made. 

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document. 
A copy of my government-issued ID. 
A copy of my government-issue Social Security Card . 
Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2017-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (SC)

I wanted to lease a safety deposit box with TD Bank. They forced me to open a checking account to do this. I did in XXXX XXXX and deposited {$210.00} into the account. An {$80.00} charge was taken out to pay for the safety deposit box. The balance should have been {$130.00}. As long as the account balance stayed above {$100.00} I was told I would not incur any fees. In XXXX XXXX an electronic transfer for {$66.00} was done against my account. I did not perform this action, but someone else must have hacked their system. I was unaware of this because I turned off paper statements because they were charging me a fee for that. Since I had no intentions of using the account, I had no reason to check online statements as my balance should have stayed the same. Once the {$66.00} transfer was done, the balance fell below {$100.00} and TD Bank took out $ XXXX in fees. Again, I was unaware of this because I was n't checking online statements. Today, XXXX/XXXX/XXXX, I received a letter in the mail that my balance fell below {$0.00} and I should correct it at once. This was the first time I became aware of any activity on the account. Once I found out, I called the local branch. An unhelpful lady without compassion told me about the {$66.00} withdrawal and the subsequent fees. She told me to come by in-person. Once onsite, I was told there was nothing that could be done since the hack occurred more than 60 days ago - not sure why I was forced to be in person to be told they could n't do anything. She also implied it was my own fault since I was n't checking the monthly statements. The Cust Service I received at TD Bank was horrendous. My money was withdrawn behind my back and I 'm told it was my own fault. I thought the bank was there to protect my money, not steal it???
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Approximately late XXXX, I had a door to door sales rep offer me an alternative energy provider. They had promised me a reduction in my electric bill and I had agreed to sign up. However, after the first month, it turned out that they were charging significantly higher rates than my previous supplier. 
This, understandably upset me and I called the company to get an explanation. I was put on hold until my call was disconnected. I called back several times over the course of 60 days. to cancel my service and was put on hold until the call terminated. I was not given a chance to cancel my service and was forced to resume services with my previous supplier. 
Currently they have hired a debt collection agency to come after me for a bill that I do not believe to be my responsibility. This company has provided substandard service and unfair business practices. They should not be allowed to mask their bullying tactics behind the age of the debt or through a XXXX party that has nothing to do with their actions.
Consumer complaint received 2023-01-03
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: AMERICAN EXPRESS COMPANY (NY)

There is information on my consumer report that is a result of identity theft. I did it provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any of the previous transactions by me the consumer. 
Account name -XXXX Date of INQUIRY XXXX Actions taken- identify theft report filed, multiple disputes filed with both lender and credit bureaus. I am requesting under the law that this account be removed and blocked from my consumer report four business days from the reception of this letter
Consumer complaint received 2023-01-03
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. (TX)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

According to my XXXX, XXXX, and my XXXX account, they have the wrong ( maiden and married ) last name for me. Alsoo, they have two wrong addresses that I have never ever lived at, one in my town and one several states away. Also, They've also said I own a cleaning business. Which I do not own any business, especially a cleaning business.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was getting charged fees with out getting told or recieve of mail or call, I bought stuff online and they never helped me with my money back also there were other banks where my credit was messed up it was at XXXX or so almost XXXX and I opened 3 cards after people started doing it under my name somehow there just lots going on right now
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MD)

Experian charges me {$24.00} a month for credit services. 

I would like to cancel my service. 

They provide NO online ability to cancel. 

When I called to cancel, I had to wait on the phone for over 20 minutes and no one ever picked up. 

So, you ca n't cancel online, and they are not adequately staffed to take cancellations over the phone.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NY)

Dealing with loanDepot 's local mortgage originator was a joy ( XXXX XXXX XXXX XXXX, XXXX ).  The person with whom we worked with took the time and effort to explain the process to us from start to finish. To lock-in a rate, we 've provided him with our personal and business tax returns, and a list of our assets and liabilities. Unfortunately, this is where our good experience came to a halt. After telling our loan officer that we 've decided to pursue a 15-yr loan instead of a 30-yr, he flat-out stopped responding. Did n't answer his phone or voicemails, did n't return our e-mail. This is a person whom we 've entrusted with our new home. To make matters worse, loandepot saw it fit to print out our ENTIRE credit history, financial assets, complete with our FULL social-security numbers, dates of birth, bank account numbers, etc. Basically, EVERYTHING you 'd need to steal identity and credit. They simply mailed these to us, by good-old US Postal Service, without tracking or signature requirements. And since the packages had so much paperwork, they did not fit through our mail slot, and were thus left UNATTENDED in front of our house, for anyone to take. At a day when identity theft is rampant, and major companies like XXXX have compromised our personal data, loanDepot 's complete lack of good judgement and care in safeguarding our most valuable information left us completely flabbergasted. I choose not to upload photos of any of these documents given how much valuable personal information they contain, but if CFPB requires them, I 'd be happy to submit them later upon request.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (ID)

I company  XXXX XXXX XXXX received a check in the amount of {$28000.00} from XXXX XXXX XXXX XXXX To buy and build a shop garage. Check was deposited into account XX/XX/XXXX. Check was put in hilt until XX/XX/XXXX. Chase bank then canceled my debit card with {$4000.00} in the account. I called and talk with customer service about releasing the check and my debit card for the reason I have a business to run and bills to pay. The person that was helping me and I was talking with said the card and check should be released and able to use within a day. Debit card never got released and could not use it. Payment was on card said fraud. I decided to wait until the check cleared on XX/XX/22. Check then clears. I wrote check out for payments due ( had enough money to clear those without the XXXX checks. On XX/XX/XXXX I called in to CHASE bank to see what was the problem with my debit card. They said they need to confirm with the owner of the company ( which is a very good friend of mine ). I gave them their names and numbers and they said that the number is not associated with a business. 
Chase bank completely froze my account and put it on hold so I cant see it or spend anything. I called in 4/5 times. No one I spoke to have XXXX any clearance or help with the situation. This is so irritating and frustrating for me. I had employees to pay and bills to pay and I cant do anything. I ask them if they can just put the XXXX on hold and let me cash more checks so I can do my business they said no. I asked them to call the bank from the owners of the check and they said they couldnt. They have my money and wont let me touch it. I have customers that paid for a building and I cant buy it or build it without the money. My customers or extremely mad at me. 
They say I cant do anything they can only call. 
One person said that I could take the owner of the company to a chase branch with two forms of ID and company information. The problem with that is were located in XXXX ID. The nearest branch XXXX XXXX XXXX XXXX more than two hours away. We have no time to be able to make a four hour trip together. 
I fell like the bank is taking advantage of me and not doing their job. 
I am scared and terrified that I will loose all that money in my account and my customers and distributors will not trust me anymore, and non of this is on me. 
Please help me get my money and figure out what is going on! 
Also, I asked them if I could just come get my money and switch banks and they said my money is froze. 
This is not okay! 
Thank you!
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I was in XXXX XXXX from  XX/XX/XXXX-XX/XX/XXXX. While in XXXX I noticed that there were a few  unauthorized withdrawals from my checking account at a branch in XXXX XXXX. on XX/XX/XXXX andXX/XX/XXXX.  I immediately called Chase Bank to report the fraud and they issued a provisional credit. After a few days I received notice that they had rejected my claim and I was responsible for the charges. Reached out to Chase again and explained that I was out of town when these charges were made and I even provided proof via travel docs. A couple days later, I was notified that they had looked at the claim again and again had rejected it because a PIN number was used to complete the transaction. They claim that there is no way for them to definitively prove that I hadn't authorized this person to make these withdrawals on my behalf. I explained that they are saying that I am committing fraud myself by filing a false claim...they said that they were not saying that but clearly they are.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX I deposited a check for {$680.00} via Bank Of America 's mobile app. It posted to my account the next day. On XX/XX/XXXX my account was deducted {$680.00} with the explanation that the check image was unreadable and therefore returned by XXXX XXXX XXXX unpaid. I still had the physical copy of the check so I mistakenly tried to redeposit the check on XXXX/XXXX ( before I knew that it had already been paid ) but it was returned NSF. According to XXXX XXXX XXXX, the check was paid and their account holder 's account was deducted {$680.00} on XXXX XXXX, XXXX. A XXXX Financial Representative faxed over a letter on official letterhead to this effect on three separate occasions as per requested from BOA, but they are still maintaining that the money has not been paid by XXXX XXXX XXXX. I have been given three different contact names and fax numbers by Bank of America 's research and adjustments department yet have no way to confirm that they have received or processed the information. I have spoken to a different person each time I have called, around 17 times. I have spent over 6 hours trying to get them to reach out and directly contact XXXX. I have provided the contact information so I do n't have to act as the intermediary since clearly I am not familiar with their operating procedure, but to no avail. XXXX XXXX XXXX  provided the information they requested yet Bank of America refuses to address the problem. On XXXX/XXXX I was told that they actually did receive a fax on XXXX/XXXX, but they said they needed more information. They chose not to contact XXXX XXXX XXXX to request this information, but instead closed the case. Bank of America recommends that I deposit the check for a 3rd time, clearly demonstrating that they lack understanding of the issue. I have been to both banks in person and spent over 6 hours explaining the situation to Bank of America representatives on the phone, often being told conflicting information. I 've asked to have the case escalated but was told there is no case manager available.
Consumer complaint received 2023-01-03
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: Designed Receivable Solutions, Inc. (FL)

i have linked the previous response the company designed receivable solutions inc said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). XXXX and XXXX I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( designed receivable solutions inc )
Consumer complaint received 2017-10-22
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. (NJ)

on XXXX XXXX XXXX XXXX put a late on my credit report. I had told them I never used the card so why i have a late. they agreed to move late fee and late remark. i asking for it to be removed now please its ruining my credit
Consumer complaint received 2023-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IN)

I have made a complaint on XX/XX/XXXX, XX/XX/2022 XXXX XXXX from freedom mortgage had replied. He had stated he was going to lower my interest rate due to the delayed to 3.5 %. I was supposed to receive additional documents to sign in the mail within two weeks I have yet to receive additional documents I've sent this information to last mitigation via email twice I have called and spoke to numerous associates at freedom mortgage and no one can seem to help me or knows what's going on in regards to this issue. This is in reference to complaint number XXXX. I have no way of getting in contact with XXXX XXXX. If I could get a email for XXXX XXXX or someone from Freedom Mortgage to assist with XXXX XXXX solution would be greatly appreciated. 

Sincerely XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.