davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TN)

I disputed charges on my account. I live in TN and I have charges from XXXX in CA. I have only used XXXX a handful of times and it was at least 2 years ago. I have charges all over my acct from XXXX. I disputed all of them because NONE of them are mine. I received a letter dated XXXX that said I am not responsible for 2 of them : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Then it says I AM responsible for the following : XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  How could I not be responsible for 2 of them but be responsible for the rest. I can guarantee none of them items delivered to my home where I have cameras to prove XXXX never showed. I have NEVER used my card for XXXX. I am not responsible for any of these charges.
Consumer complaint received 2023-02-19
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

The Credit Card Accountability Responsibility and Disclosure Act of 2009 outlines that any amount made over the minimum payment should go to the highest interest balance on the card, then 2nd highest and so on. My bank, USAA Federal Savings Bank, is not doing that with their XXXX XXXX card that I have. I recently transferred a balance at 0 % interest in XX/XX/XXXX and also had a cash advance for overdraft protection and some purchases with interest of 20.15 % that month. When I made my payment in XX/XX/XXXX to cover the previous months cash advance and purchase balances to leave the 0 % balance transfer amount, they applied the payment of around {$1500.00} to the 0 % balance 1st and which left around {$1500.00} balance combined from cash advance and purchases being hit with 21.65 % interested which is evidenced on my XXXX, XXXX, and XXXX invoices! This is illegal as per the Card Act of 2009!

Ive attached invoices from XXXX - XXXX so you can see the history of transactions and how payments have been applied. The illegal interest amounts began on XXXX invoice after my {$1500.00} payment was applied illegally to the 0 % interest card 1st, leaving {$1500.00} of balance receiving the higher interest rate illegally.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The address on report I have never lived. XXXX XXXX XXXX XXXX XXXX CA, XXXX. 

Also my name is XXXX XXXX XXXX, not XXXX XXXX, or XXXX XXXX I, nor XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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. (MD)

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. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NV)

Please read attachment. Wells Fargo defraued my fiance and I out of $ XXXX, intentionally delayed our process, misled and misrepresented information about my loan, made gross accounting mistakes about the qualifications of the loan, gave us financial advise ( which we followed ) and later denied us for the very advise they gave us. They fire our Loan Officer who filed a complaint on our behalf against his own Company saying he's never seen a loan file handled so badly by a mortgage company as what happened to us. We were temporarily homeless/living out of XXXX because of the actions by Wells Fargo and they won't have the decency to compensate us for our financial losses. Even though they admitted fault. 

Please see attached letter from my attorney highlighting all the mistakes Wells Fargo made.
Consumer complaint received 2022-12-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I received a letter dated XX/XX/XXXX affirming that a loan that I initiated in XXXX of XXXX ( due to be paid off in XX/XX/XXXX ), was now paid in full with NO PREPAYMENT PENALTY!!!!!!!!!
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (PA)

In XXXX, XXXX I made a mistake paying XXXX $ XXXX  to a co. With my pnc credit card I believed I owed payment, I did not realize it was not owed. The amounts did not go to my account, paid nothing. PNC credit card Co was contacted and it was talked about many times with reps and managers of PNC. One manager realized that their were no payment and gave me credit for XX/XX/XXXX and XXXX XXXXthe XXXX  payments that were mistakenly paid .they put XXXX  XXXX $ payment back into my checking, where it was paid threw, then put XXXX  XXXX $ payments back on my credit card .saying that we owed XXXX $ to cover payments.we do not know what the fees and payment are for .PNC can not show us what was paid. They will not do any background checks on my account. To show them what I am talking about. I have called local branch told only PNC credit card can change anything. We tried to escilate but a manager shut us down. We are out XXXX $ that pnc took and will not re turn.
Consumer complaint received 2023-02-18
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account please investigate the unverifiable account : XXXX XXXX XXXX Balance : {$2.00}
Consumer complaint received 2023-02-19
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)

My wife lost her wakket on XX/XX/2022. On XX/XX/2022, I received a fraud alert from XXXX  XXXX XXXX for unautherized transaction. Someone tried to use my wife card. I cancelled my credit card. I totally forget my wife 's TD bank debit card also in the lost wallet. TD bank allowed my checking account to be fraud charged until balance is- {$46.00}. when I called to disput all my fraud transacions, TD bank deny my dispute claim. How and why TD bank is allowing someone charge my checking account without pin number. Also, my wife and I never use the account to shop.
Consumer complaint received 2023-02-18
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. (GA)

In accordance with the fair  Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX/ Account # XXXX, ( XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXXXXXX XXXX XXXXXXXX # XXXX ( XXXX XXXX  XXXX # XXXX ) U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through XXXX. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.
Consumer complaint received 2023-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc (OH)

Possible Finance only allows you to make payments with linkable bank accounts through a company called XXXX. My bank is XXXXXXXX XXXX  through XXXX XXXX and, for reasons I dont know, isnt linkable, so Im unable to make payments. Thinking there must be another way to pay, I reviewed Possibles payment procedures and it confirmed that this is in fact the only way to payand their noted solution is to try again from a linkable bank account at a later date. This is caused me to be unable to make payments and two 30-day lates on my previously perfect pay-history credit report. Ive opened a dispute with the three credit bureaus but nothing has changed to-date. If Possible Finance is going to report adverse pay history to credit bureaus, they need to give consumers the ability to pay with any bank account they choose, accept debit cards without having to link a bank to the card or allow in-person payments at XXXX. I would like help from the CFPB in removing the adverse credit reporting and requiring that the lender accept enough money to pay off the loan ( {$200.00} ) from a non-linkable bank account.
Consumer complaint received 2023-02-19
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (MN)

I do not recognize these hard inquiries on my credit report. I dont believe these to be correct on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX XXXX XXXX was notified that my credit card was stolen out of my mailbox and that it was maxed out and it was not my fault so I did a dispute and the dispute showed that my credit card was stolen and maxed out due to fraudulent activity so therefore they even reimbursed me back the money that I paid on the payment because it was not my payment to make and that's why it shows that it wasn't current on XX/XX/XXXX and XX/XX/XXXX because it wasn't my payment to pay and the dispute came back as I was a victim of identity is theft and was not responsible for the payment XXXX indicated on my credit report as not current
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Sent in a dispute and received a letter that is pretty much mocking me. I will attach the letter I received and the original dispute I sent to them in XX/XX/2023. The company is Transunion.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

Throughout the pandemic, XXXX with hundreds of other Target RED CARD holderswere repeatedly locked out of online access to our accounts to make a payment and/or service our accounts; including changing AutoPay bank details, scheduling future payments, sending messages via the secure system, and changing personal contact details. Even after repeated attempts to rectify the issue with Target, no resolution was providedI was told simply to 'try again '. This Additionally, during this time, the Target Card Services Customer Service Line had hold times of 45-120 minutes, making it impossible to reasonably reach anyone for phone assistance. When reached, Target was aware of the problem but offered no fix. They declined to wave the late fees resulting from it, and instead aggressively pursued collection action, which pushed me into an escalating late status as my Minimum Amount Due increased each month by over {$70.00} ( including a {$40.00} Late Fee ) with no resolution to the matter still. Prior to this issue, my payment was a very manageable $ XXXX. Within 3 Days of my first late payment, my minimum payment became {$81.00} and they would not work with me, even though they openly acknowledged they had an issue with their site. I have found XXXX XXXX in factof posted complaints from other Target RED CARD users on this exact same issue. I have found responses posted from Target as far back as 2019 stating they were aware of the login issues with their site. Yet, another 15 complaints were registered about the same login issue just last week on various consumer complaint sites. Target has been 1 ) fully aware they have a login issue with their RED CARD that is creating problems for their card holders, yet 2 ) chooses to do nothing about it and instead penalizes its customers and even profits from the situation, and 3 ) continues to aggressively push the RED CARD to new customers through unreasonable quotas they demand of their cashiers, while knowing new customers will face these issues as well.
Consumer complaint received 2023-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (GA)

I received a HELOC - Home Equity Line of Credit from TD Bank for {$41000.00}. I applied for XXXX relief to stop payments without fees and/or penalty. After the XXXX period expired I received a loan modification that reflected a balance of approximately {$47000.00} and a new interest rate of 9.5 %. I was completed taken aback by this excess fees, interest rate and penalties. I have requested that TD Bank honor the original interest rate and remove all additional, interest, fees, and penalties. It took TD bank to finally approve the loan modification after over a year of going back and forth about processes and supporting documents, in which I sent several times before TD Bank acknowledged receiving them.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

On XX/XX/22 a purchase of {$83.00} I did not make on my Citi Diamond Preferred years was notified, they cancel card and issue me new card and they will revue and credited the XXXX XXXX.On XXXX new cards XXXX  has another fraud chg, same company in amt of {$160.00}. I called, they cancel card and issue a new card. Rep says he will take of this and credit acct. New XXXX  has a credit and then its added back on and now fees and interest starts to accumulate.All the while I am calling and getting nowhere or am being cut off, transferred to different depts, all the while thinking they are taking care of this. They are not. I would get form letters saying they are working on it, months go by and fees and interest are pilling up. I call and state to them that I am not liable and do not have to pay, they agree. Then in XXXX I get a letter from XXXX XXXX XXXX that the account is in debt collection. I contact them and tell them what is going on and they will investigate and they did.One month later they sent me a letter stating it is FRAUD and to contact Citi. I did via a Credit Report Dispute and Investigation form that I and none at Citi told me about fouund online. Sent that off with a written letter along with 6 attachments. Finally in XXXX I get a form letter from Citi with the same old info that they are forwarding to proper dept. This debt is less than $ XXXXand would think that it was in the thousands. I am now noticing that they have knocked my very good credit ratng down over 70 points.THIS IS MY GREATEST CONCERN. I hope this watered down explanation will help for the moment. The XXXX XXXX sent me every statement that they got from Citi as there reference material on this matter I can send anythying you need on my end if needed. Thank You from a consumer in XXXX yrears has never had a collection agency contact me for a debt!
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (WA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Diversified Adjustment Service regarding their legitimacy in collecting a debt on behalf of XXXX XXXX XXXX. I have received a notification from Diversified Adjustment Service stating that I owe a debt of {$29.00} for an outstanding balance on my XXXX XXXX XXXX XXXX  bill. 

However, I have concerns about the legitimacy of this claim. I have already paid the full amount of {$100.00} on my XXXX XXXX XXXX XXXX bill, and I have proof of payment. Additionally, I have not received any notification from XXXX XXXX XXXX that I owe a debt to them. 

Furthermore, I have concerns about how Diversified Adjustment Service obtained my personal information, including my account number, name, address, and bill details. I am deeply concerned about my privacy and the potential for my personal information to be misused. 

I am requesting that the Consumer Financial Protection Bureau investigate the legitimacy of Diversified Adjustment Service 's claim and how they obtained my personal information. I am also requesting that you take steps to protect my privacy and prevent any further misuse of my personal information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-17
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept. of EducationXXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.