davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (MA)

Because of previous problems I have had with TD Bank, I decided to close my credit card with them ( they started charging me 24 % interest for similar issues that were not valid ). I paid the balance owed and asked them to close the account. The bank however continued to allow automatic electronic debits - I was charged by a previous vendor {$14.00}, days after I requested and was told the account was closed. A phone rep from TD who called my home about 2 months ago confirmed the same story. 

Since the bank allowed the charge to go through ( that they should not have ), every month they add new fees and charges. Now the balance is over $ 200+ which is almost entirely fees - due to their error. 

They called me several times. A couple of months ago a rep called and confirmed my story. I told her that I was even willing to pay the {$14.00} from the charge that they shouldn't have allowed. I offered to pay the erroneous charge but told her I wouldn't pay any of their penalties. She said she'd put my on hold and ask her supervisor. She didn't come back, and I went to work. Several times they have called in the morning as I'm headed out to work, and I asked my wife to give them my cell # and if they would call me on it I would still try to resolve things with them. Instead they keep calling my home when I'm not there - but they don't call back even after I've asked them to. 

They often send letters advising that they will report me to the credit agencies for non-payment. I'm not sure if they have or not, but the letters and bills keep coming and I will be extremely upset if they report to the credit bureaus for something they THEY caused. That's an abuse of power in my opinion - they can effectively make it very hard for me to get credit and I have no equivalent ability - it's really a shame how the system works. Anyway I hope the CFP can help resolve the problem since TD Bank doesn't listen to me. 

My legal name is XXXX XXXX. The card was a Visa card - I believe the number was XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-03-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CASHCALL, INC. (CA)

Cashcall is attempting to collect a fraudulent debt.

My identity was stolen= $ XXXX were charged on Credit Cards with my information. They have since been removed from my credit report.

Cashcall at this time will not remove the debt and can not provide verification. I have pursued this as fraudulent with them to no avail.

This has been going on for four years. They held the debt in collections beyond the legal limit for state and refused to move it off until they received two separate CFPB complaints. They can not provide the form information or verify the source of the form information. This has been going on for over four years now and I need it removed.
Consumer complaint received 2023-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I submitted a Reconsideration count for XXXX because I had had previous forbearances and deferments that would qualify for the limited waiver. It was granted and I was told that my servicer had to wait for the Education Department to send them the changes or I could send in another Employer Certification. I did and there were no changes. If they count them, I would be qualified for Forgiveness before repayment begins again. I am attaching the documents I previously submitted that they disregarded. It will show that I was on Forbearance/Deferments for the for the XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

For the last 5 years, my credit score did NOT show details and people have been using my Social Security Numbers to commit PayDay Loan Frauds, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of XXXX Experian, XXXX and has been editting out evidences when I tried to check the credit score on my end.

I tried twice to call Experian to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused.

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT 600. On my XXXX XXXX reply, it said my credit score is XXXX. And the other people said my credit score is past XXXX!!!!
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2023 received the following emails addressed to me : 1 ) Bank of America asking me to verify email address 2 ) Bank of America informing me that my online application is in progress 3 ) Bank of America informing me that my application was approved On XX/XX/2023 received the following emails addressed to me : 4 ) Bank of America informing me that I am enrolled in online and mobile banking 5 ) Bank of America Welcoming me to online and mobile banking 6 ) Bank of America Welcoming me to mobile notifications on their Mobile Banking App. 

On XX/XX/XXXX, upon receiving these emails, I immediately contacted the Bank and informed them that I have not submitted any application online to open any account. The Bank closed the account. 

In my mail received the following from Bank of America related to the above account opening : 1 ) ATM Debit Card 2 ) Bank Statement for the period of XX/XX/XXXX to XX/XX/2023, showing {$0.00} balance. 
3 ) Account closure letter dated XX/XX/2023.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Hello, I had a XXXX Credit Card that was exposed to XXXX at the end of 2018. They called me and determined that this was indeed the case. They stated that they would send me a new card and I never received it. Being out of sight, XXXX/Chase did not inform me that if anything was coming out of the previous card, it would transfer to the new number. This is what happened and I did not know until it was too late. There were XXXX XXXX XXXX payments that came out of the new card number ( again, I never received this card ) and caused my account to go delinquent. I have never been delinquent on anything in my life. Then I called in XXXX to inquire as to what is happening and that is when I found out about the charges. They then waived the late charges and interest, but I did not care about this. I cared about the negative marks on my credit. I then called today and spoke to XXXX in the XXXX office telling me that the account was closed? I do not understand. I would like my account reopened and negative marks removed becuase this was totally out of my control and was not given adequate information from XXXX/Chase.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company still has inaccurate information on my credit file! This information needs to be deleted because it's a clear violation of my consumer rights. How did they conduct a proper investigation but still have multiple inaccurate accounts on my credit file! If you don't delete this I will speak to my local attorney general about deformation, and compensation for violating my rights or simply delete the inaccurate information I pointed out!
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX I received a call from Wells Fargo regarding a WF credit account that I'd opened for the purchase of furniture at a local retailer ( XXXX XXXX XXXX ). I was advised that the account was 2 months delinquent and that payment was needed. I apologized for the oversight and explained I hadn't received a statement from Wells Fargo and made payment on the spot. Subsequent to that -- I believe in XX/XX/XXXX -- I learned that the account had been closed involuntarily on XX/XX/XXXX due to this 60 day delinquency without my being notified ( either by mail or by the representative I spoke with in XXXX ). At that time, I requested to speak to somebody on Wells Fargo 's Executive escalation team, as I'd maintained that account in good standing for approximately 3 years and was concerned about the account closure negatively impacting my credit score. While I was told that I would receive a call from the WF Executive Escalation team within a day or 2, I was never contacted. Wells Fargo maintains they sent me a letter advising of the reason for their decision to close my account and that I could not have the account reopened or the negative credit reporting reversed. Over the subsequent months, I told each person who called me regarding the balance on the account that I was still waiting for a call from their executive escalation team no less than 4 times ( in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX, to the best of my recollection ) I was told repeatedly somebody would call me from that team. No call was ever made and I confirmed with a member of the executive escalation team ( XXXX XXXX. ) today, XX/XX/XXXX, that aside from a call that was attempted on XX/XX/XXXX Wells Fargo 's records also supported my assertion that nobody ever called me from their escalation team prior, despite numerous requests. XXXX proceeded to inform me their decision was final, they had received no return mail sent to my address and so their was no reason to believe I hadn't received it, and when I advised that I would be lodging a complaint with the CFPB, I was told that was my decision to make. 

I've now paid the past due balance owing on my WF card account, after having told multiple callers ( collectors ) from WF that as a matter of principle, I would pay my balance as soon as their executive escalation team contacted me and addressed my concerns. While I now bear the negative impact of that decision ( on my credit ), Wells Fargo completely failed to uphold their repeated promises to have somebody contact me over a 6 month span. They confirm nobody called me to address my concerns over that span, and yet, they appear to have no repercussions for contact me. This is wrong, and another example of Wells Fargo treating its customers poorly.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (LA)

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.

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 inructions 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 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

There are a series of fraudulent transactions totaling around {$1500.00} with interest, specifically related to XXXX XXXX charges, which I am unable to pay off. Although I have already reported this issue to your customer service team, I was informed that there is a lack of evidence to support the claim of fraud. 
I want to emphasize that none of these charges were authorized or made by me. As a responsible cardholder, I take great care to safeguard my financial information and maintain the utmost security measures. I have not engaged in any transactions with XXXX XXXX or made any purchases relating to gaming consoles or related services. 
Considering the gravity of this situation, I kindly request a detailed investigation into the fraudulent charges on my account. I urge your team to thoroughly examine the transactions in question and provide a comprehensive report of your findings. It is crucial to uncover the source of this fraudulent activity and take appropriate actions to rectify the situation promptly. 
To facilitate the investigation, I have compiled the following details regarding the fraudulent charges : 1. Transaction Date : First one was on XX/XX/2023 2. XXXX XXXX : {$9.00} 3. Transaction Description : Merchandise 4. Merchant Information : XXXX XXXX Security Dispute AdjustmenXXXX
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I disputed an account with Experian Several times, They are not performing a proper investigation and stating the account is verified, I asked for the method of verification and for any form of proof this account is mine. i asked for the contact information of the person they verified the account with and they have not provided any. i have been disputing this account since XXXX. I have spoken with the creditor, and they have not been contacted by experian. They creditor can not provide proof this is my account. I am so frustrated with experian at this point. They are ignoring my request, and reporting whatever they choose and the information is inaccurate and unverified. This account is very damaging to my credit profile. I don't know what else to do to get this account fixed on my credit file please help.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), due to my status as a victim of a data breach. I am exercising my right under these laws to have fraudulent information removed from my credit report. 
The following accounts have been identified as unauthorized and fraudulent : XXXX. XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$810.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$3100.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$17.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$410.00} XXXX. XXXX XXXX  Account # XXXX Date : XX/XX/XXXX Balance : {$200.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX OF XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Consumer complaint received 2019-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage company XXXX XXXX no longer opens as XXXX instead https : XXXX, looks like a scam, no one seams to be aware that perhaps XXXX  no longer exists, I WANT TO MAKE MY payment on time and NO ONE is aware of this, yet when I manage to contact them XXXX they ask for my loan #, I gave it to them and they kept saying NO you do not have a loan with us, and next they ask for my SS. to that I did not accept, again it is a mess this looks like 2008 again and they purposely transfer you to the automated system, if you say the wrong thing this will place you on hold, yet if you want to buy or you pretend to be a buyer the answer is immediate, and the loop starts again .... 
On XX/XX/XXXX at XXXX I have tried again and again and no one knows what the XXXX is happening .... great XXXX XXXX Supervisor `` believed that the loan was purchased '', ... " we buy thousands and thousands of loan / portafolios '' stated the previous rep, Mr. XXXX stated that transferred to another " live licensed rep '' at the end of the call " sorry the representatives are gone for the day. ", Gentlemen, this really XXXX  looks like 2008 again, this is destroying AMERICA and is happening during you watch, I hope someone does something about it, I can not imaging man and woman in uniform dealing with all this red tape, when instead of returning to his families they have to spend days trying to " PAY ON TIME THEIR MORGAGES ''. but you can always call Mr. COOPER .... right? sorry I forgot since is so big SO BIG you can do nothing about it. 
Sad ..
Consumer complaint received 2019-03-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX I opened a HSBC Advance Account with a {$10000.00} deposit at the HSBC Milpitas, CA branch. The terms and conditions were discussed and most specially the Referral promotion. I then secured a referral code online per bank instructions. 

On XX/XX/XXXX, I referred my husband and he opened an Advance Account with {$10000.00} and the referral code was presented and recorded by the bank employee. The terms and conditions were explained and we were given a written copy. The bank employee was aware that we have had HSBC accounts previously which we closed in XXXX. We were assured that we met the requirements as the condition was " The individual you refer must not currently hold nor have held in the past 365 days, any consumer account ( including but not limited to deposit accounts ... '' The promotion states a {$100.00} each for the 1st-2nd referral and the referred individual was to get a {$250.00} bonus ( Advance account ). Fulfillment of these bonuses is within 8 weeks from the date the new account is fully funded. See attachment. 

In XX/XX/XXXX, I started inquiring about the bonuses as it was past the 8 weeks. I called customer service several times and made personal visits to the bank. Customer service agrees that we qualify for the referral bonuses but the HSBC Milpitas branch manager after 4 weeks of waiting said that the Marketing Department has the final say on this matter and they say that we do not meet the now '3 years ' requirement for previously held accounts ( although it was printed 365 days in the advertising materials posted all over the bank from XXXX to XX/XX/XXXX ). I never dealt with the Marketing Department before or their name mentioned in our conversations when the bank processed our accounts and took our {$10000.00} each deposits. We were never informed that the Marketing Depatment has the ultimate decision over these accounts.

The Marketing Dept could not be reached directly and the bank employees will not provide a telephone number or contact info when we requested it numerous times. 
I believe that HSBC has deceptive, misleading and fraudulent banking practices to the detriment of the public consumer. I believe that there are others like us with similar experiences as evidenced by similar online complaints. 

I have tried to resolve this problem with them but we have reached a point where an independent federal agency like the CFPB  must get involved to make sure the rules are enforced and that banks and financial institutions operate in a fair and honest manner..
Consumer complaint received 2019-03-05
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. (FL)

I checked my credit reports and noticed many different variations of my name and address. I have tried to reach out to Experian, XXXX  and XXXX by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street AddreXXXX is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XXXX.