davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (PA)

In viewing my monthly TD Bank statement, I noticed a posting ( XX/XX/XXXX ) of {$900.00} that I wasn't aware of. I called customer service immediately and disputed this transaction. The rep. was helpful to what steps I need to take in which I would need to file a claim. I went to my TD Bank and spoke with XXXX XXXX ( XX/XX/XXXX ) about the problem and began to do the paperwork submitting the fraud claim. XXXX XXXX mentioned to me that the funds would take a few business days and it needed to be posted first, in order to receive the credit. amount. On XX/XX/XXXX, I received a letter from TD Bank stating due to their findings that I ( XXXX XXXX ) authorized, benefitted, consented from this transaction, and I was denied and if my account was credited it will be reversed on ( XX/XX/XXXX ). On ( XX/XX/XXXX ) again, I spoke with TD Bank rep. and this time the rep. said to call XXXX XXXX in which I did and spoke with XXXX XXXX in the fraud dept. She traced the name to a XXXX XXXX in XXXX. I ask her for documentation so I can give TD Bank. On XX/XX/XXXX I followed up on my claim XXXX XXXX and spoke to XXXX XXXX. As our conversation continued he explained to me what steps I needed take. He suggested that I should file a claim with the following agencies : FTC and XXXX. That I did. On ( XX/XX/XXXX ) I went back to TD Bank with all of my paperwork and did meet with the bank VP/Manager XXXX XXXX XXXX XXXX Paperwork included : Letter to TD Bank Corp Headquarters, FTC filing and IC3. On ( XX/XX/XXXX ) received from TD Bank Branch, South Carolina, spoke to XXXX XXXX and I notified her that will be filing a new claim. She said it probably get denied again, but I can try. The new case # XXXX. The old case # XXXX. The XXXX XXXX case # XXXX. As of XX/XX/XXXX, received 2nd letter stating they denied my claim, TD Bank said, they have my name and address and telephone regarding this transaction, I said, what about my mother maiden name for proof and my father 's or my dog. Scammers can get your name, address and telephone off the website.
Consumer complaint received 2023-08-21
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. (NY)

You already have a copy of my correspondence to Citi on this matter. I am XXXX and saw online ad for electric scooter. On sale apparently by XXXX.I purchased item with Citi card. Ad said item to be delivered by late XXXX from California. Item never delivered so inquiry made with party who took and confirmed order ( in XXXX, to my surprise ). Response was that it had been delivered! FALSE! Told at various times in email exchanges to check post office, neighbors, customs office, mail box. Obviously these responses were ridiculous. Item this size would not be sent though USPS, nor need for customs involvement from California, fit in mailbox etc. Contacted XXXX and got immediate response : SCAM. I filed a dispute with Citi, got the provisional credit, but then Citi responds later that my dispute was DENIED. No information on lies given by scammer in XXXX. I sent a written response to Citi - a copy of which I sent to your agency- but I have not heard anything back from Citi. They are obviously ignoring my more complete complaint, even with evidence sent them.. When I learned it was a scam, I even had CIti cancel my card number and issue a new number card. ( Would I do that if there wasn't FRAUD involved? ). The amount of money was about {$44.00}. Not a lot but I am on fixed income.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

In review of my Credit report, the following acct has been pd in full satisfactory to XXXX XXXX XXXX  by Washington State landlord mitigation program.

A collections has been placed against us for a balance that can not be collected as once payment was submitted, XXXXXXXX XXXX XXXX  were not aloud to submit for another bill unless documentation was fully submitted and it was not. 

Original creditor : XXXX XXXX XXXX  Debt holder : XXXX XXXX XXXX Balance : {$950.00}
Consumer complaint received 2023-01-20
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. (NC)

In accordance with the Fair Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 Has violated my rights.

15 U.S.C. 1681 section 602A 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 an account without my written instructions.

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 7 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 information is inaccurate.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have spoken with numerous, I mean numerous customer service reps. at TransUnion , LLC trying to fix things that TransUnion , LLC were reporting incorrectly on my credit report. All of the customer service reps. have either been extremely rude, unwilling to help or transferred me to a co-worker who pretended to be a supervisor who did nothing to assist with the issues! But, when the Consumer Financial Protection Bureau got involved some of the issues were taken care of and some were not. I was recently notified by TransUnion , LLC subsidiary ( XXXX ) that TransUnion , LLC just recently made a name change on my credit report. I spoke with TransUnion , LLC months ago regarding my name and they corrected the names on my credit report. Now they are reporting XXXX, XXXX, XXXX, XXXX and XXXX, XXXX some of these are the same names backwards! The only names that should be reported are XXXX and XXXX those are the names that I legally use! The other two names need to be removed because it appears to creditors on my credit report that I am using multiple names! Also, I 've spoken with TransUnion , LLC several times about a hard inquiry on my credit report from " XXXX '' on XX/XX/2016. After contacting XXXX I was told by a card services manager that this would be taken care of and removed! The card services manager explained that this was fraudulent activity that they caught in time. They said someone tried to apply for an XXXX Credit Card which is owned by XXXX and so they notified me because they thought it was fraudulent activity. I confirmed that I did not apply for this credit card and XXXX said that they sent the necessary paperwork to TransUnion , LLC to have this hard inquiry removed from my credit report! When I spoke to TransUnion , LLC they said that the hard inquiry from XXXX was not reporting on my credit but it is still there! This hard inquiry has caused points to be removed from my credit score and this hard inquiry needs to be removed immediately! Finally, the points that were removed by TransUnion , LLC when they illegally removed my first paid off and closed auto loan XXXX from XXXX recently still has not been added back to my credit score! I 've spoken with TransUnion , LLC regarding the mistake that they made and they have added back the closed auto loan to my credit report but they have not added back the points that were taken away when they removed this closed account by mistake! All XXXX of my points need to be added back to my credit score by TransUnion , LLC! The other issues that were brought to my attention recently is being handled by the creditors with TransUnion , LLC so I 'm not disputing those issues at this time. But all of the above mentioned issues and errors in this complaint are being disputed by me right now and needs to be corrected! Thank you! ( Please see supporting documents attached )
Consumer complaint received 2016-03-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CCS Financial Services, Inc. (NJ)

On XX/XX/XXXX I had previously disputed via CFBP portal that XXXX XXXX XXXX added a collection to my credit reports a collection that had been previously discharged in a chapter XXXX bankruptcy. They removed the trade line in XX/XX/XXXX. On XX/XX/XXXX I received a collection mailer from XXXX XXXX XXXX to settle to amount that again was previously discharged in my chapter XXXX bankruptcy. I also saw on my credit report that have viewed my credit reports without my consent nor my knowledge. I need for the to stop harrassing me and to stay off my credit report
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo bank advertised opening an online account with a {$250.00} promotion. I completed the online process. Then I received an email directing me to the branch in order to complete the process. When I went to the branch, they told me that they could open the account but not apply the {$250.00} promotional to the account. I feel like this was a bait and switch.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since falling victim to the XXXX, XXXX, XXXX, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.
Consumer complaint received 2017-02-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Chaplain Financial Services LLC (TX)

XXXX XXXX with Chaplain Financial Services claimed I owe money to XXXX from a loan in 2012. I have never heard of this company or this debt. This company is threatening to garnish my wages and said they 've invalidated my Texas Drivers License privileges. Last week is the first time I 've been contacted by this company. They 're unable/unwilling to provide additional details on this supposed debt.
Consumer complaint received 2016-05-19
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Underwood Law Firm, LLC (NM)

I bought a vehicle in 2012 and that vehicle was given back and repossessed due to failure of the motor. I only had that vehicle for four weeks. The company took it back and now I just found out they are garnishing my wages without notice of lawsuit or any communication. They want to charge me {$21000.00} for a vehicle that is not in my possession! This happened in 2012 and just now they are taking my wages without any notice at all!
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (MD)

On XX/XX/2012 we mailed a payment of {$2900.00} to Provident Funding, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The monthly mortgage payment is {$990.00}. We marked the additional amount of {$2000.00} to be put towards the principal. The company made an extra month 's payment of {$990.00} and only {$1000.00} to the principal. We have talked to them but to no avail. We have not missed any payments and do not know why they did this. So since this date the amount that should have been put to the principal has cost us interest. They do not want to rectify their mistake.
Consumer complaint received 2016-09-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accelerated Receivables Management, Inc. (SC)

XXXX XXXX XXXX Attorney at Law has been making attempts via phone and mail to collect a debt for XXXX XXXX XXXX in the amount or {$2000.00}. In researching this laboratory I discovered this laboratory is in bankruptcy proceedings and several collection agency 's are attempting to collect for debts that are without merit and unverifiable. I feel as though my husband and I have become a target of these predatory tactics and I wish for this to stop. I do not owe any laboratory any amount.
Consumer complaint received 2016-10-18
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Genuine Debt Solutions, LLC. (GA)

I was contacted by Genuine Debt Solutions on XXXX XXXX, 2016 by someone named " XXXX XXXX '' and was immediately asked intrusive questions about where I work, etc. without being told " This is an attempt to collect a debt, and any information obtained will be used for that purpose. '' I told this person I was not comfortable having this conversation as I was recently scammed by a company trying to collect on this same " debt. '' I was then transferred to " XXXX XXXX '' who at first seemed to understand my frustration but later became belligerent and highly unprofessional. She told me to " stop talking and listen '' as if I was a child. Keep in my mind she called me so I had the right to state my reasoning for not wanting to continue the call. I continued to ask for validation of debt and asked questions about the companies legitimacy and she then became loud and rude and said that if the money is not paid her client intends to pursue legal action so I disconnected the call. I received XXXX documents sent from a XXXX account from this " business '' - Genuine Debt Solutions telling me I owed an ABSURD amount of money to her client, XXXX XXXX. When I called XXXX XXXX directly they had never heard of this company and told me that I did not owe this debt.
Consumer complaint received 2017-04-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN EXPRESS COMPANY (NJ)

I have had an issue with American Express regarding a double charge XXXX for the sample flight. After numerous and multiple conversations, they promised they would take care of this issue. After years of speaking with them and repeating my issue, they did not provide me the required information. I have filed a claim in the past, case number XXXX. I was unable to get my phone recordings or get in touch with someone. 

That said, I have been contacted by XXXX ( employee ID : XXXX ), from XXXX. I have been very responsive with him and requested I get written copies verifying who is he and his company is, as well as providing me with a form in the mail. Based on the last conversation, XXXX was the company who was contacting me, now it is a different company. 

It has been over two weeks since my last contact with XXXX and still no letter. I am not clear who is responsible for this case anymore.
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

For two months, Wells Fargo has been taking money from my account to cover the overdraft of someone else 's account. This last time they took all of my paycheck to the point of me losing my job because I could not fix my vehicle. Lost my vehicle because I could not work. Have no food due to no job and vehicle so no money. I am sick and tired of this. The account they used my money to cover has a guaranteed deposit the XXXX of every month which would make it positive again. Corporate office of Wells Fargo refuses to replace the money because it is their right of write-off policy. They say it is my consumer policy that I was given when I opened the account. I receive not such policy in the paperwork I was given. They refuse to contact me before taking money from me. They refuse to talk to the other account holder. This is Theft and they all need to be thrown in prison for life.
Consumer complaint received 2017-04-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used to hold a Bank of America Regular Savings account. The number was : XXXX. As per terms of the account, no account maintenance fee is supposed to be charged if ( among many other options ) : " To avoid the fee, you may also make combined monthly automatic transfers of {$25.00} or more from your Bank of America checking account to your savings account during the immediately preceding statement cycle. '' I had setup an automatic transfer of {$25.00} on the XXXX of each month to avoid the fee. I saw that the bank still charged me Monthly Maintenance Fee on XX/XX/XXXX. On inquiring with the bank, I was told that my automatic transfer on XX/XX/XXXX actually happened on XX/XX/XXXX because of XX/XX/XXXX being a holiday, hence the bank is within their rights to charge me a fee. 

Unfortunately, this is unacceptable since the bank automatically moved the transfer date and is making me pay for their fault. 

Left with no option and frustration, I cancelled my account so that I may take my business elsewhere.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I HAVE A NEW ACCOUNT THAT IS A SECURED CREDIT CARD WITH XXXX THAT IS BEING REPORTED THROUGH EVERYONE BUT TRANSUNION! THIS IS ALSO IMPACTING MY CREDIT SCORE AS I SPOKE OF IN THE PREVIOUS COMPAINT THIS NEEDS TO BE REPORTED FROM XXXX TO PRESENT PLEASE AND THANK YOU, UNSURE WHY IT HAS N'T BEEN REPORTED AFTER REMOVING DEROGATORY DEBT? SO I THINK MY SCORE WOULD BE WAY HIHGER THAN A XXXX AS PREVIOUS STATED BUT STILL HAVE N'T SEEN ANY DOCUMENTS TO BACK THAT STATEMENT.
Consumer complaint received 2016-04-26
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: National Arbitration Forum (CA)

I was contacted by an Investigator XXXX of the XXXX working with the XXXX County Sheriff 's Dept trying to find me to deliver a court summons for fraud and they left a phone number for the company that was trying to reach me, not to reach the investigator. I contacted the company XXXX XXXX XXXX XXXX ) and they said I have a pay day loan outstanding that went fraudulent back in 2013. I had an ex boyfriend who was using my information to get pay day loans before so I figured this was just another one. I 'm trying to fix my credit so I just pay them when they come up now. But they wanted my bank/credit card information. I said I 'd rather get a pre-paid card and give them that information for payments. I called back and gave her the prepaid card information and she sent me an email with the break down of the payment arrangements I 'd made. It was then that I realized a couple of things. It is illegal for a debt collector to collect, or attempt to collect, on a payday loan in New York State. Also, she sent me a generic word document as the payment arrangement document. Also, the email address she sent the payment arrangement from is a gmail account. Most companies do n't use gmail accounts. Also, I looked up the company name and it has been reported by other people online for being a scam/fraudulent. I have her email and I have payments set up to be made but no payments were ever actually made to the company.
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: WALDEN ASSET MANAGEMENT LLC (Closed) (TX)

On XX/XX/2016 Walden Associate Management contacted me at my sister 's telephone number. Stating I needed to contact her due to breach of contract with client. When I called I was transferred to a XXXX who claimed to be a lawyer and began to insult me ; stating that I was stupid for saying he would be in violation of debt practices, if he continued to call me at third party numbers and refusing to cease and desist contacting me. Then the first week of XXXX Walden Associates Management called my sister 's number again and left a message to call XXXX. I did not call them back. 
In researching the phone number, I came across several posts indicating they had been contacted by the same people and that this is a scam to get people to pay them.
Consumer complaint received 2016-06-27
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: High Point Asset Inc (TX)

I was contacted today by XXXX ( extension XXXX ) from XXXX XXXX XXXX ( XXXX ) and advised that she was calling in an attempt to collect a debt. Knowing I have no accounts in collections or accounts with debts owned on my credit. I could only assume this involved the previous debts I disputing with High Point Assets in previous CFPB complaint XXXX and XXXX. XXXX confirmed the XXXX accounts had recently been purchased and wanted to know when I would be making payment. I advised the her company purchased fraudulent debt and the amount I was being accused of owing was already in dispute with the FTC and the XXXX, and issued her complaint numbers. She did not care. High Point Assets was never able to validate the debt they said I owed yet were able to sell this supposed debt to another agency. I humbly ask XXXX to break this cycle of buying and selling fraudulent debt and resolve this issue once and for all. In the mean time I will be issuing a certified letter to cease and desist communication attempts.
Consumer complaint received 2016-09-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GENERAL BUSINESS RECOVERIES, INC. (AZ)

I have a debt collector that has called my place of business, and threatened to call my HR department to get inforamtion about me. It is against my company policy for these typoes of calls to happen. I told her to not to call my p [ lace of business again, and hung up. She continues to harass me and I need for this to stop..
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

When I recently viewed my Equifax credit report, I noticed a hard pull of my credit by XXXX XXXX on XXXX XXXX, 2016. This negatively impacted my credit score and I did not authorize this credit pull. This may have been the result of someone applying for a XXXX card with my personal information. I want this removed from my credit history. This is the contact info for XXXX XXXX indicated on my report : XXXX XXXX XXXX XXXX XXXX, SD XXXX