davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
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. (CA)

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing my consumer credit report, or any one elses.
Consumer complaint received 2018-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I got a secured credit card with USAA a year ago. I set it up to automatically pay itself through my bank account, also with USAA then I had credit card fraud on my Credit card and I notified them, they canceled that credit card and issued credit back to my account for the fraud charges I noticed at that time that my automatic payments were not going through and I called. I was placed on hold so they could research but they never came back on the line. I called back on Thursday, and ended up on hold for a very long time while they researched with their back office and they came back and told me that the automatic payments cancelled when the fraud was credited back onto my account and that their system recognized those credits as payments instead of a fraud reversal credit and the auto payments stopped and nobody in USAA had identified this as an issue nor bothered to fix it. They never put the automatic payments back on, even though I called multiple times about this and this resulted in them counting me as delinquent, and now is reporting on my credit. 
I tried reasoning with them and asking how they can make me suffer consequences for fraud, which wasnt my fault, how their system recognizing fraud credits as payments is something that I as a consumer am being held responsible for. This is SECURED credit, its my money to begin with and yet not only did they charge me increased interest, and penalties, they are defeating the purpose of my even having a card to rebuild credit because of their FAULTY SYSTEM this is not ok
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

I HAVE DISPUTED THIS ACCOUNT OVER AND OVER AND ASKING FOR VALIDATION TO PROVE I AM RESPONSIBLE FOR THIS DEBT. ACCORDING TO THE FEDERAL TRADE COMMISSION I HAVE THE RIGHT TO ASK FOR VALIDATION. THEY HAVE NOT PROVIDED ME WITH ANY PROOF LIKE MY SIGNATURE THAT I AM THE PERSON WHO THIS DEBT BELONGS TO. I AM A VICTIM OF IDENTITY THEFT AND HAVE FILED A REPORT WITH FTC. THIS ACCOUNT DOES NOT BELONG TO ME
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XX/XX/2018, financing a new car. Done it several times before, it's a familiar if detail-intensive and at times exasperating process. Just need to go through all the steps, right? 
WRONG! There's a new step I'd never imagined : EQUIFAX. After their massive security breach A YEAR AGO I activated a security freeze. Now I need to unfreeze it temporarily. No big deal, right? But today, a Saturday, the weekend day when more cars are sold than any other day, it was IMPOSSIBLE to lift the EQUIFAX credit freeze. Their website DOES NOT WORK. Not a new problem! A year after their data breach and they STILL CAN'T GET THEIR WEBSITE TO WORK! How much is this hurting the auto industry? 
Why can't the Trump Admin DO SOMETHING like SHUTTER EQUIFAX? ( rhetorical ) I'm so mad I can't see straight. The deal it's took weeks to find will be gone by Monday. And EQUIFAX is the reason.
Consumer complaint received 2018-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, someone managed to withdraw {$760.00} from my checking account, leaving me with a negative balance. I did not realize my account was in the negatives until the following day, XX/XX/XXXX. Between that time, I deposited {$200.00} at a TD Bank ATM, paid for gas, and purchased a drink at XXXX without realizing my account was compromised. I never received a notification stating that I was, the only reason I found out was when I decided to do my weekly check up on my bank account through the TD Bank app on my phone. 

I immediately went to a nearby TD Bank in XXXX, NY and explained my situation. The employee who helped me issued me a new debit card, and filed a fraud claim for me. The following is what I stated in the claim : * I never lost my debit card, I even showed it to the employee before she gave me a new one. 
* The location that the money was withdrawn from was at a TD Bank that I've never been to. 
* This was the first time that I experienced bank fraud/theft. 
* The money had to be withdrawn on XXXX in the early morning ( XXXX ), because I deposited {$200.00} around XXXX. I can not provide the exact time because that information is not shown on my statement or account history, only the date is shown. 
* Assuming the money was withdrawn some time between XXXX, how could I deposit {$200.00} at a different location that was over 1.5 hours away. 

After I filed the claim, I waited 10 business days for a reply from TD Bank. During this time, I was also hit with a {$140.00} overdraft fee. The bank eventually told me that my claim was denied because according to them, my debit card was used, the PIN was entered correctly the first try, and the location it was withdrawn from was nearby my home address. I stated again that I never lost my card, and I have no records of ever going to this particular TD Bank ATM before. After speaking to the employee at the bank, and also calling TD Bank 's Customer Service, I was recommended to file a police report. Which I did. 

The bank employees told me that I should bring a copy of the police report to them so they could open up another fraud claim for me. However, the police told me that I can not receive a copy of the report. So I left it up to the police and detectives to take care of the situation for me. I also opened up a second fraud claim to classify my account as " under investigation '' to prevent it from being closed. I have waited over a month now and still have no word from the police/detectives and my fraud claim was denied again. During this time, my job continued to pay me by direct deposit so I was able to bring my account into the positives again and have access to some money. I have since withdrawn almost all of my paychecks as cash the day I get paid, to prevent the chance of facing further theft.
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

This is my 4th time contacting you about XXXX reporting inaccurate information as it continues. They are reporting an address that's incorrect XXXX XXXX XXXX XXXX GA XXXX. If this property was sold in 2017 how is this reporting as my current address. This is completely false information that is affecting my credit as well as inquiry being reported that were never made by me. 

You can contact me about this matter XXXX XXXX
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (ID)

On XX/XX/2018 William 's and Fudge added a collection to my credit report in the amount of {$520.00} and I don't know why. My credit score dropped a lot because of this, almost 90 points. 
I have never heard of them before nor have ever been contacted by them either by phone or in writing. It says that I owe them {$520.00} and the school listed is XXXX XXXX XXXX College. I haven't been to that school in almost 5 years and don't remember owing them anything. I have students loans through XXXX but pay on those monthly and on time through Federal loans. It's unfair that William 's and Fudge added this derogatory mark to my credit report without even trying to contact me first. I don't believe I owe this money. I have a copy of my final billing statement with XXXX and it doesn't say I owe them anything. Since leaving college I still have the same phone number and mailing address which the college still has. Please help. 
Thanks!
Consumer complaint received 2018-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Critical Resolution Mediation LLC (MD)

I received a voicemail on XX/XX/2018 in which the person calling didn't identify herself or the company she worked for. She also didn't say who she was trying to reach. The phone number is from XXXX XXXX, XXXX also got a call from XXXX I called back and the woman was immediately rude and told me if I didn't pay right at that moment she was filing a court case against me for fraud. She claimed to be calling from Critical Resolution Mediation. Unfortunately for me, I fell for their scam and provided credit card information to pay off the so-called debt. The charge on my credit card was not one charge, but it was broken up into three smaller charges that added up to the total. Critical Resolution Mediation is supposedly located in XXXX, GA, but when my credit card was charged it was processed by XXXX XXXX, XXXX in XXXX North Carolina   XXXX. I can find nothing to prove this is a real business. 
On XX/XX/18 I received a voicemail from XXXX in XXXX, TX. It was the same woman reading the same exact script. Again she didn't identify herself or the company and made the same threats that if I didn't call them back immediately " further action will be taken ... '' I have saved both of the voicemails I have received to date and can provide them if needed.
Consumer complaint received 2018-07-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (IL)

I have a home loan with PNC I had a tragedy and lost my job and have had problems with making payments so I applied for a harsdship application starting in XX/XX/2017. I was finally approved for a forbearance in XX/XX/XXXX until XX/XX/XXXX. I was then told to fill out another application by XX/XX/XXXX which I did. In XX/XX/XXXX they started requesting the wrong information from me which delayed the process. They then said they needed me to resend information which again delayed the process. I asked about a deed in lieu and I was told you have to get the application process completed and then we can go over your options. 2 weeks ago they informed me my home was in active foreclosure. I am now very upset because I believe if it had not been for their long drawn out and inaccurate requests I would not have been in foreclosure and would have had other options available to me because I don't qualify for any because of my lie income I guess right now. I believe this is intentional. I do not believe I am the only one. The reason o say this is because in XX/XX/XXXX they did the same thing and when I questioned what they told me I needed over the phone their reply was what did the letter say? Now the letter is incorrect because they requested page numbers On the application that were not correct and it took a couple of weeks to determine what the actual page numbers that they in fact needed from me. The first supervisor urged me to let them handle it before I contacted you. The second one told me at first there was no agency that I can complain to that governs them. I then stated it contains a letter c or b in it and she then have me your information but followed up with it will go directly to her anyway. They did nothing to rectify the fact that because of them my application process took so long which now has me incurring additional fees when I could have qualified for something like a deed in lieu of foreclosure which I was told I don't even qualify for that now because I am in foreclosure. She went over like 4 or 5 steps I needed to do with a realtor in 5 seconds and I told her there was no way I was going to be able to write that information down that fast and I would follow through on my end with a complaint to the CFPB.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX lowered my credit limit from {$1100.00} to {$800.00}. I brought my balance down below 30 % to improve my credit. Once I did that, they lowered my limit down to {$800.00} so my balance would reach my credit limit and bring score back down. My score dropped significantly by 16 points. 

It should be illegal for creditors to be allowed to do that on occasion. It destroys the consumers credit history and livelihoods. 

They need to increase credit limit back to where it was so it will show at 30 % bellow statement balance again so score can go back up!!!
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank has harmed my credit after failing to inform me on account delinquencies on a pair of co-signed loans ( *details in TDdispute_letter attachment ). This has recently restricted my ability to apply for a mortgage, and will continue to impair my borrowing and employment opportunities as the accounts are currently set to remain on my credit for 5+ years. 

Even after promptly paying back the balances with interest, identifying the TD Bank errors that prevented notification, having a branch manager advocate on my behalf, and disputing the credit deficiencies with all 3 credit bureaus, TD Bank has not taken corrective action to remove negative information from my credit report ( *see dispute results in attachments Equifax , Transunion , and Experian ). As my actions and credit history clearly attest, I would never had allowed these delinquencies if I had any notification. 

In addition, failure to inform me of delinquency on 1 account ( XXXX ) concealed untrustworthy behavior of a babysitter working for my wife and me. The babysitter would later go on to make {$1000.00} of fraudulent charges on my credit card and steal cash from our home ( *see attachment PoliceReport1,2 ). 

What is worse, after this theft in XX/XX/XXXX, I inquired about the accounts in the XXXX XXXX XXXX TD Bank branch where the loans were made, and again I was not informed of the delinquencies. I was told only that the accounts were closed. 

When I finally discovered the delinquencies through a credit check for a mortgage in XX/XX/XXXX, I satisfied the balances within 1 day ( *see attachment TDPayoff_proof ). One of the co-signers had neglected a final payment that was not automatically withdrawn. He paid immediately when I called him. The other was with the babysitter who stole from us, and this one I paid off myself for {$4300.00}. 

At this time I discovered that TD Bank had recorded an incorrect address and birth date for me at the origination of the first loan and had not verified any of this for the second loan ( *see attachment TD Contact Info ). Instead of taking the address from my drivers license or from any application I would  have filled out, TD Bank recorded my address as the same as the first co-borrower. I have never lived in that town or with the co-borrower. The incorrect birth date on record is also inexplicable. TD Bank has not provided me a copy of the loan applications for either loan or offered any explanation of these clear origination errors. 

XXXX XXXX, the TD Bank branch manager at XXXX XXXX location in XXXX helped me process payments. Seeing the errors in my account information, he filed a Consumer Credit Report Dispute Form ( *attachement TDdispute_letter ) on my behalf. This has apparently not had any effect on repairing my credit.
Consumer complaint received 2018-07-02
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: Experian Information Solutions Inc. (CA)

I took a small XXXX loan out for my son in XXXX. The original loan from XXXX XXXX XXXX XXXX XXXX was sold to another company, XXXX in XX/XX/XXXX and came due in XX/XX/XXXX. 

I never received notification of the changes that a new lender was handling the loan or that the loan was due because the contact information of the new lender was screened out of my e-mail- The new XXXX being XXXX not XXXX XXXX. 

I have followed my credit rating score for 10 years on a monthly basis. I have had very good to excellent credit during this time frame. 

In XX/XX/XXXX there was a sudden HUGE drop on my credit score. I immediately pulled a full credit report and saw that XXXX had posted 90 days of delinquencies on my credit report. I immediately called them and explained that I had never received notification that the original loan had changed companies so was completely unaware the loan was due. My husband and I were following the original student loan summary from XXXX College 's financial aid office. 

In addition to this my son was in the process of joining XXXX, and seeking loan deferments from his student loans which we had received current contact information about. 

I explained the situation to XXXX, immediately paid the balance due and set up auto pay on-line. When I asked them to please recind the delinquencies, or forgive them given the circumstances they were completely unwilling to work with me. 

My credit is ESSENTIAL to my family and me because my husband recently became permanently XXXX due to an XXXX XXXX. I will provide any documentation needed. I work for a XXXX XXXX XXXX XXXX and a XXXX XXXX as a XXXX. 

I am requesting your help for recinding the delinquencies on my credit report. 
Any help you can give would be greatly appreciated.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (MS)

After reviewing my credit report, I have noticed hard inquiries i do not recognize. I have contacted all CRAs, and they refuse to dispute or investigate the inquiries. Below are all the unauthorized inquiries that should be removed from my credit profile. 

15 USC $ 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 

Experian : 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 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
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

FOR THE RECORD, I HAVE DOCUMENTS TO BACK UP ALL OF THIS INFORMATION! 

I opened a brand new checking account with Chase on XX/XX/2018 at XXXX XXXX. I chose Chase for two reasons ; One, I didn't have a checking account anywhere else and I needed somewhere to direct deposit my paychecks into. Two, I repeatedly got these incentive postcards from Chase that there was a {$300.00} bonus when you opened a BRAND NEW CHECKING ACCOUNT and WHEN YOU SET UP DIRECT DEPOSIT WITHIN TEN BUSINESS DAYS. Check and Check. I set up direct deposit with my employer the following Tuesday after opening this account, XX/XX/2018. Fast forward to why I'm complaining and its because I contacted customer service inquiring about when I would have the {$300.00} bonus deposited into my account. I contacted them XX/XX/2018 @ XXXX XXXX. It wasn't until my surprise that this customer service rep informed me, and I quote, " your account has been placed under review, We recommend that you contact our Security Team at XXXX for immediate help. '' XXXX, thanks for the heads up. 

Why wasn't I informed of this until I was the one inquiring about funds that I was owed? And then today XX/XX/2018 I get a notice in the mail from Chase stating, and i Quote, " After careful consideration, we have determined that we can no longer support your banking account and will be closing it on XX/XX/2018. '' Chase closed my account WITH ZERO NOTICE.

This notice was dated XX/XX/2018 giving time sensitive specific actions that I would need to make in order to make sure I dont lose any of my money. However, I didnt receive this in the mail until today, 10 TEN DAYS after the notice was typed up. Which btw is waaaaay past the cutoff date they gave me to square my funds away. Im filing a complaint with CFPB. 

I guarantee its cuz they wan na avoid paying the {$300.00}. 

Also, is this not a coincidence that the EXACT DATE I IN FACT SET UP MY DIRECT DEPOSIT XX/XX/2018 WAS THE EXACT DATE THIS NOTICE WAS TYPED ON! 

{$300.00} is a HUUUUUUUUUUUUUUUUGE deal for me and my family. I'm a mother of two, barely scraping by so I factored this AGREED UPON {$300.00} bonus into my budget. I'll spare you the details, but now that my account is closed ( for no good reason ) i.e, Chase wants to escape from holding up their end of the deal, my family is now in a very bad situation. 

Please, please, check your conscience the next time you pull a fast one on  easy prey.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

Equifax has denied my right to have online access to my credit report for 3 consecutive years. Per the Fair Credit Reporting Act, Equifax is legally obligated to provide me with a copy of my credit report annually, however when I attempt to retrieve my Equifax report through XXXX, all of my information is verified, I receive a message stating, " Great, we have found your credit file '', but instead of my credit report displaying, I receive an error message advising me to call Equifax. I have been denied credit, based on my Equifax credit report and attempted to retrieve my report on their website and I continuously receive the same error message. Over the last three years, I have called Equifax more than a dozen times, attempting to resolve this issue. Most recently, I have called Equifax on XX/XX/XXXX, 3 times on XX/XX/XXXX, twice on XX/XX/XXXX and twice on XX/XX/XXXX to determine why my credit report is unavailable to me online, they have no answer or resolution. Can you please assist me?