davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

I opened a checking and savings accounts with TD Bank based on an advertisement received in my mail with the promoting message " Open your account to earn up to {$500.00} today! '' To earn the {$500.00}, in XXXX of 2020, I went to the website " XXXX '' to open the accounts. I met the required conditions as stated in the advertisement. 
- {$300.00} for when open a TD Beyond Checking account and have {$2500.00} in direct deposits within 60 days. 
- {$200.00} for when open a new TD personal savings account, deposit at least {$20000.00} in new money in the first 20 days and keep at least a {$20000.00} balance for 90 days. 

After many months, I never receive the money as advertised. I called TD Bank consumer services and was informed that it takes 3- 5 business days to resolve the matter. This never happened. The second time I called, I was advised the same message that it will be resolved in 3-5 business days.
Consumer complaint received 2021-08-23
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: C/C Financial (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.
Consumer complaint received 2021-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (PA)

One year ago I bought a couch at XXXX XXXX XXXX and they set up a 12 month interest free loan to pay off the couch. I have received bills monthly from Wells Fargo to pay off the couch that asked for a minimum amount of {$84.00} ( this should have read " recommended amount to pay-off in 12 months = {$210.00} '' ) Since I did not pay off the couch during the 12 month interest free timeframe, I got charged an additional {$680.00}. But I find this deceiving since the bills that I received never asked for more than a minimum payment. 
I understand now that this is a deferred interest loan, but it seems like I was set up to fail and pay the {$680.00} interest on the loan. 
I reached out to Wells Fargo who I have been a customer with for almost 25 years and they were able to decrease the interest payment to {$510.00} if I paid the loan in full amount of {$1700.00} within 72 hours, which I did just to be rid of another bill and more unseen fees
Consumer complaint received 2021-08-23
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: BMW Financial Services NA, LLC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

I keep getting phone calls from American Express for a debt my brother owes. I have talked to Amex twice that I have nothing to do with my brothers finances. I am XXXX and my brother is XXXX. They keep asking me to talk to him and to have him call Amex. I explained I am not an arbitrator for Amex or my brother and to remove my number from their call list but they will not and keep calling me and my ex-wife, who has zero contact with him. I do not even have an American Express account.
Consumer complaint received 2021-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had an inquiry with a hard hit while I had a credit freeze. A supervisor at transunuon said they allow some companies to do this. I wanted to file fraud on it and was told I could not.
Consumer complaint received 2021-08-23
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: AMERICAN EXPRESS COMPANY (PA)

OnXX/XX/20 American exp has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming me
Consumer complaint received 2021-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

Navient has been calling multiple times a day harassing and threatening me. I would like them to stop calling, and I've asked them multiple times to stop. They have called everyday ( including weekends ) 8-10 times a day. 

They threaten to take legal action, contact my employer, and they have called my family members.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion refuses to recognize legal court documentation that the court ruled in my favor with no money owed to XXXX XXXX XXXX. They also keep removing the dispute from their online system so I am unable to view the status of any investigation. I filed a dispute on XX/XX/XXXX ( attached reference ) and it is no longer showing a status -its gone. Once I spoke to a Transunion rep the told me a dispute was submitted on XX/XX/XXXX ( attached reference ) and the credit agency said it was valid. All documentation provided says I owe no money owed to XXXX XXXX XXXX. I am filing this second complaint because Transunion and XXXX is publishing inaccurate information on my credit reports. 
And asking XXXX and Transunion to provide valid documentation that disputes a court decision and documentation from the surety company that no money is owed to XXXX XXXX XXXX ( reference attached stating no money owed to the community ). Or remove this from my credit report.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (FL)

J. P. Morgan has two accounts on my credit bureaus that belong to my wife. My wife has a negative payment history on these accounts, so I respectfully request their removal from my credit bureaus. My name is XXXX XXXX XXXX, my wife 's name is XXXX. I would be very appreciative if these two accounts could be removed from my credit bureaus as an authorized user immediately, thank you.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from TransUnion and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Consumer complaint received 2021-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

Nationstar XXXX  debited from my XXXX  account XXXX on XX/XX/21 to date they have not credited my account, the mortgage company mr cooper doesnt read the entire complaint, another payment was made on the XX/XX/21 of {$11000.00} which was credited but for some reason they never look at the XX/XX/21 payment.. the tracer # from the transfer bank which is also XXXX  is XXXX again dated XX/XX/21
Consumer complaint received 2021-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (IL)

Hi, On XX/XX/2021. I applied for a refinance home loan and was denied due to high DTI. Im on low income social security XXXX. I pay my bills, I pay my current high mortgage and my current high assessments. 

My mortgage is {$910.00} My assessments for my condo are {$360.00} Homeowners insurance is {$110.00}.

I live with my mother. I have a great credit score of around 800. With this loan I could of lowered my mortgage payment by {$400.00}. But I was denied the loan because Im currently paying a high mortgage and assessments. I have no credit card bills. I have for 21 years paid my high mortgage and my ever increasing high condo assessments. One should not be denied because of lack of reserve funds or potential inability to pay the new mortgage, but the lender should be encouraged that my 21 year history of paying a high mortgage, although I have struggled I have done SO in good standing, meaning a lower monthly mortgage with a refinance Im going to be pay it with more ease. I should not be denied just because of a high DTI. Thank you.
Consumer complaint received 2021-08-23
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. (CA)

I have sent and submitted request for verification of a bankruptcy on my credit report several times through mail and online and all 3 credit bureaus refused to send any verification or proof that explicitly shows this belongs to this XXXX XXXX, that shows the contract or my signature. They also respond with, it has been verified with nothing to proof or that shows verification of belonging to me. I have my right under section 609 to view and review any documents that show and proof that belongs to me.
Consumer complaint received 2021-08-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated XXXX XXXX Date Opened : DATE XX/XX/2002 I don't have contractual relationship with this company. I don't recognize this Account. Please provide me the name and address of the original creditor. 
Account NumberXXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Tennessee, Contracts, oral or written, and Promissory Notes have a statute of limitations of 6 year
Consumer complaint received 2021-08-22
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: Experian Information Solutions Inc. (NJ)

XX/XX/ in amount of {$4600.00} from XXXX XXXX. Charge was disputed via XXXX XXXX but never removed. 
First, XXXX XXXX charged medical insurance. 5 Treatments were made and paid via insurance that involves cracking back. That's it. No other service was provided by XXXX office XXXX falsely charged for service that was never given. Insurance paid for cracking of back. XXXX XXXX wanted money for services NEVER provided. Treatments Never given. Amount changed from {$2000.00} to over {$5000.00} billed charges yet credit report says {$4600.00} on credit report. They are making stuff up!!!! 

Perhaps they confused myself with someone else. 

Kindly remove charge from all 3 credit reporting sites as it is fraudulent. Much appreciated!
Consumer complaint received 2021-08-23
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: Experian Information Solutions Inc. (PA)

On XX/XX/21 XXXX XXXX. .has placed a false inquiry on my credit report ( 2 of 3 bureaus ) that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Consumer complaint received 2021-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/21 XXXX XXXX. .has placed a false inquiry on my credit report ( 2 of 3 bureaus ) that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (VA)

Starting around early XXXX myself and my boyfriend began receiving calls from a number marked as " Account Services '' on caller ID. Once I understood that they were debt collectors from Trans World Systems Inc I told them to stop calling my boyfriend. They said they would and even put me on hold under the pretence that they were removing his number from my account. They did not stop calling him though and have called him numerous times since then. I am filing a complaint because, according to a representative from the cfpb, who I spoke to on XX/XX/XXXX, they are not allowed to repeatedly call someone other than myself in regards to my debt, especially being that my boyfriend is not related to me or legally bound to me. He and I feel harassed by Trans World Systems Inc 's repeated calls to him. We are also frustrated that they continue to call after I asked them not to and they told me they would. 

Additionally, when I answer calls from this company they quickly transfer me to another call center, and the person who answers there always asks me why I am calling them... this is extremely frustrating as I am routinely transferred around from call center to call center. This business practice makes them come across as scammers and when they first started calling me I was unable to figure out what the call was even about. I was wary to provide them with any of the identifying information they asked for as this business practice seemed suspect and I was concerned about identity theft. This led me to have a prolonged debt, which likely hurt my credit score further and led me to feel afraid and threatened.
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

CHASE WELCOME BONUS OF XXXX POINTS ( DETAILS ATTACEED ) LETTER SENT TO CHASE AND RESPONSE EMAIL TRAIL ALSO ATTACHED Dear sirs I applied for the Chase XXXX card and was approved late XXXX XXXX This card came with a XXXX point welcome bonus with a minimum spend requirement within 3 months. This was the only reason that I applied for this card. Because of significant mail delays at that time ( acknowledged by Chase in the accompanying email stream ) I received the card only on XXXX XXXX XXXX. I was also advised that I will be receiving a more secure card which can be tapped instead of inserting or swiping. I was also waiting for this card which arrived in XXXX XXXX. I made my first purchase on XX/XX/XXXX and my last purchase was on XXXX XXXX XXXX I fulfilled all the requirements by spending {$3000.00} within 3 months. As seen from the attached email stream, Chase refers to a fictitious end date of XX/XX/XXXX. I have repeatedly pointed out to them that I can not use the card till I physically receive the cards ( tap and non-tap ). The email stream will show how our correspondence was like two ships passing in the middle of the night without seeing each other. There is acknowledgment that there were mail delays at that time which made me receive my card on XXXX XXXX XXXX It is also very evident that I met the spend requirements within 3 months. I have attached the necessary proof to show this. Yet the Chase response has been in the form of canned correspondence. I am sending this email to you because of the lack of understanding of the Chase team responsible for addressing this issue. 

Please help me to resolve this issue. I have closed my Chase money market and checking accounts till this issue is resolved Yours truly XXXX XXXX XXXX XXXX XXXX