davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VT)

TD Bank. I deposited a check for {$1000.00} on Saturday XX/XX/XXXX at their XXXX location. Normally being the check is from a regular sender and their bank is in state they would normally clear it by Monday XX/XX/XXXX and would be available. I cut my landlord a check for {$870.00} later that afternoon and still had around {$170.00} in my account on top of that {$1000.00} ( that should have cleared ). I saw Monday that the check did not clear and told my landlord to hold off on depositing my check I cut him for {$870.00}. He said he already deposited it on the XXXX. I called TD immediately where I was told the check my landlord deposited wasn't showing on XX/XX/XXXX and that they would put a note on my account and if something looked wrong Tues XX/XX/year> just call up at XXXX XXXX  to push the check I deposited for {$1000.00} through. Morning of XX/XX/year> I saw the check was deposited on the mobile app and the {$870.00} check was credited. So the balance made it appeared like everything was ok like the rep told me the day before. XXXX XXXX XX/XX/XXXX same day I saw that there was an excess amount of funds in my account. I called up the toll free line and find out they returned my check for insufficient funds and credited the check for {$870.00} back to my account. My landlord is now charging me an excessive returned check fee on top of a late fee he would normally of waived as a result of this negligence. This disrupted my living situation and cant afford the hundreds of dollars in fees that I am being charged for TD bank dropping the ball. To add insult to injury they told me " oh you had to call by XXXX XXXX  to push it through before the insufficient account notice would go out. '' They didnt tell me that the day before. They also told me I had overdraft protection and that I should be fine. It looked find the morning of XX/XX/XXXX and it looked like they reversed everything and destroyed my ledger by the end of the day and had the audacity to tell me I had to call in that morning when everything appeared to have balanced out on the mobile app. I don't think I can recover from this. I escalated the complaint but no damages were paid as of today to remedy the grievance. Please forward to the Dept of Banking and Finance.
Consumer complaint received 2024-09-21
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. (FL)

I was stunned this morning when I discovered that my credit report is showing inaccurate accounts, and I can't understand how they got there. I check my report regularly, but this time there were unexpected discrepancies. I even refreshed my browser thinking it could be a mistake, but nothing changedthe errors remained. I am now requesting that the documents I submitted be reviewed carefully, so I dont have to worry about this problem anymore.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year>. Account numbers ending XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX, Equifax, XXXX Credit Bureau Subject : Request for Removal of Repossession from Credit Report Dear Credit reporting Agency I hope this letter finds you well. I am writing to formally request the removal of an incorrect or outdated repossession listed on my credit report. 

The account in question is as follows : XXXX XXXX XXXX XXXX Upon reviewing my credit report, I noticed that this repossession is either inaccurate or no longer relevant, as [ explain briefly whye.g., the account was settled, the information is outdated, or it was reported incorrectly ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any items that are incomplete, inaccurate, or unverifiable. 

I respectfully request that you investigate this matter and remove the repossession from my credit report. Please notify me once the item has been corrected or deleted, and kindly provide me with an updated copy of my credit report. 

I have included supporting documentation to assist with your investigation. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Indie Technology DBA Found (AL)

My Complaint is with Found Debit Card I have been using this prepaid card/bank for over XXXX  years without issues. However on XXXX someone used my debit card for a XXXX XXXX XXXX transaction. I closed my XXXX XXXX  account back on XXXX. I contacted XXXX XXXX  support via chat the person tried to help but said they can not locate any transaction on my account that occured on XXXX for XXXX. 
The last transaction was XXXX on XXXX the same day I closed XXXX XXXX 
I filed a unauthorized charge dispute with Found and even sent them screen shots that there was no record of this XXXX transaction. They refused to accept my dispute saying no error occured. I filed the dispute on XXXX when I discovered this charge. 
On XXXX I contacted case app support via chat on the app they looked into it but was unable to do anything as they said theres no transaction for this said charge. And advised me to dispute the unauthorized charge with my card issuer. I provided found additional information screen shots of my chat with XXXX XXXX support showing proof I tried to resolve this with them and they were not able to do anything. Even verified there was no record of any transaction on XXXX for XXXX on my XXXX XXXX account as it was closed XXXX. 
I sent found this info with the screen shots to verify I had tried to resolve it but they were not able to help. 
Found again replied back they can not accept the dispute and move forward and they apologize for the inconvenience. 
This is not right as the card holder agreement states to notify found as soon as you notice an unauthorized charge and that you have to show proof you attempted to resolve this directly with the merchant. 
I followed everything and found still refuses to to allow me to dispute this unauthorized charge.
Consumer complaint received 2024-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

I have received multiple letters stating I owe money towards repayment. However, when logging onto my MOHELA account, it states that the balance owed is {$0.00} and that nothing is past due. I have also tried logging into the other MOHELA website ( having two separate websites is another problem entirely ) and it states that my SSN and Birthday don't match so I can't even log in to check. MOHELA has responded once and only stated they're sorry for their bad service, but did not answer anything concerning the discrepancy between the online balance and balance shown on letters.
Consumer complaint received 2024-09-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NC)

Mr Cooper mortgage lender company failed to pay my homeowner insurance through escrow for XXXX month. I have been making my mortgage payment ( Principle, interest, tax, and insurance ) monthly on time each month. without delay. I was surprised when I received a letter in the lender stating I have no home owner insurance for almost XXXX month and they are going to buy me insurance and bill me for it. 
I reached out to my insurance company ( been with them for XXXX + years ) only to notify me I have no policy with them anymore and I'll have to reach out to the XXXX  state insurance agency to buy a state insurance. 

For XXXX days I called around trying to buy insurance from other provider but I could find one within my budget until I found one that is {$1000.00} extra from what I sued to pay. 

This is unprofessional and reckless since unknowingly I had no insurance for XXXX month and my area has been many storms and hurricanes, I could've lost all and now I have to add an extra {$1000.00} for insurance bill each year.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

When my loans were with Navient I was in forbearance 3 times. I was placed once in XXXX ( XX/XX/XXXX ) and twice in XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I was unable to make the payments. I ended having to consolidate in XXXX and then finally learned about XXXX in XXXX when I spoke with a student loan lawyer. I shouldve been notified that I had other options by Navient especially when going into forbearance that many times.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This account is showing errors and incorrect information. I have the account name and number. Self # XXXX, I never miss a payment please updated to correct and never late. Please fix or delete this account. Please update to correct. View the history is not correct. Please reinvestagate those late payment.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I have XXXX active retailer credit cards issued through Synchrony Bank, Crate & Barrel and TJMaxx. 

I have switched at times from paperless billing to paper billing to better keep track of bills. I noticed today after going online to research my payments, that the bank is charging {$1.00} a month for paper statements for all balances over {$2.00}. Ironically, copies of my statements are only available for XXXX and XX/XX/XXXX. It states " Missing statements may be due to a lack of activity or changes in your Paperless Statement enrollment status ''. I can't tell if they only post on line the statements if you receive them electronically or hard copy. 

I'm not sure how this was ever disclosed to cardholders. I surely do not remember receiving any information. 

The TJMaxx first charged {$1.00} on XX/XX/XXXX for paper billing. I have not received any charges for paper billing on the Crate & Barrel card even though I have received some paper bills.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Received a letter on XX/XX/year>, said XXXX XXXX decided to close all account under my name ( account numbers : XXXX, XXXX, XXXX, XXXX, including a custodian IRA account, my Roth IRA account, my checking account and a brokerage account ). No specific reason of account closure was given other than telling me to signup/transfer my asset to another financial institution by XX/XX/year>.
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Valor Intelligent Processing, LLC (TX)

Closed Complaint - XXXX Valor closed the referenced complaint, stating that they requested a copy of a contract in XXXX. However, I have not received any calls or documentation regarding this request. Furthermore, the invoices I provided indicate that my toll account had a credit balance until the charges from XXXX XXXX were transferred to my account.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

This company is reporting as a debt owed to an apartment agency on my credit report. I have never lived in that state. During that time I was in college and did not get my first apartment until XXXX. I tried calling the apartment complex for more information but it seems they no longer exist. I asked the debt collector for proof such as ID provided but all I received was a lease which was not signed by me and a list of charges. I have not received any information in regard to who actually signed this lease and was living in the unit. They have also sent payment confirmations which I have went over with my bank and there are no charges for these dates! I have never made a payment from any of my bank accounts to this apartment. Most of the charges are reporting as returned. So its clearly identity theft because the person did not have intent on paying rent from the beginning. Returned charges show on my bank statements and there are none for this date and company. Anyone can sign a piece of paper with anyone name to get an apartment which is why I asked for some type of identification because from my understanding ID must be provided. It seems the lease started on XXXX and starting on XX/XX/XXXX there were return payments for ach. This isnt right. I have never owed an apartment complex. I was in college at that time. I am now trying to buy a house and this is killing me. I have tried calling the debt collector and all they offer is the option to make a payment. I should not have to pay for a debt I do not owe. I should be able to be provided with some type of actual proof such as ID provided or video proof of me coming in and signing a lease. Any one can clearly sign a piece of paper. Again, I tried calling the apartment complex and they have no information since they no longer exist. This is truly unfair.
Consumer complaint received 2024-09-21
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. (FL)

This morning, I was completely taken aback to see inaccurate accounts listed on my credit report, and I have no idea how this happened. I check my credit report regularly, and this time there were errors that I never saw before. I even refreshed my browser thinking it might be a technical error, but the mistakes didnt go away. I need the documents Ive submitted to be carefully examined so I dont have to live with this worry again.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TN)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXPresence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In the month of XX/XX/XXXX, I made a payment for XXXX prior to my statement balance date ending on XX/XX/XXXX. Prior to making a payment, I owed {$380.00}. I paid one month, XXXX before my statement balance ended. After I paid, on the following day, XX/XX/XXXX, I was told that I was XXXX dollars short of my payment and I will be reported to the credit bureau in 2 days and I was. After all of the years of being a longtime XXXX XXXX customer for 6 years, making one late payment in XXXX and XX/XX/XXXX due to an illness and job reduction, I was recently reported late 30-60 days late to all 3 credit bureaus. This is very disappointing, and disgraceful. My husband and I are currently pending for another mortgage loan and due to this late payment, I can no longer qualify. This is a big loss for me and my family and I would like for my report to be updated and/or reimbursed for the damages.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (MD)

We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service ( https : //cash.appXXXX  ), including payment activity related to gambling along with other potential violations.

As a result, your Cash App account has been deactivated and you will no longer be able to use your account or its features.

If you have any questions or concerns, please feel free to reach back out, I'm always happy to help! Have a great day. 

They would explain what gambling they were talking about and I do not gamble. I asked them to show me exactly which transaction, they were talking about an they will not just say its in policy and terms. which does not help me understand the issue
Consumer complaint received 2024-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

XXXXm reaching out for assistance with an issue Im experiencing with Mohela. I was properly enrolled in autopay before their platform migration, and I remain enrolled now. However, autopay failed to process my payments of {$410.00} for XX/XX/year> and XX/XX/year>, even though I was enrolled throughout. I never elected for any pauses or forbearance, so the payments should have been processed automatically each month. The issue corrected itself by XX/XX/year>, but the missed payments for XXXX and XXXX have not been accounted for, and Mohela has not resolved the problem.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Independence Capital Recovery, LLC (NY)

CFPB CONSUMER FINANCIAL PROTECTION BUREAU XX/XX/year> To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Account : Current Creditor : INDEPENDENCE CAPITAL RECOVERY LLC Reference # : XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EMAIL : XXXX XXXX : XXXX