davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I openned a CD account for a period of 7 months at an interest rate of 5.5 % XXXX Webster Bank in XXXX XXXX XX/XX/year> On XX/XX/year> I received an addendum letter regarding this account with a modification of the term from 7 to 6 months. And an interest rate from 5.5 % to 5.1 % I contacted the bank in person and was told that there was nothing they could do about it. 
I have all the paperwork with the above information
Consumer complaint received 2024-08-27
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (TX)

Bought a XXXX phone and financed it XXXX XXXX ( TD Bank ). Recently received an email from TD Bank saying they were changing their system and I would need to change my password. Have tried several times to do so. Their system will not accept any password from my password generator. TD has special requirements for what characters and symbols can be use. Unfortunately, they do not tell you what they are. So when you receive an error message saying illegal character, you do not know what character in the password is not acceptable. Have tried calling them numerous times. you can wait on hold for several hours, but no one ever answers. I can not access my account and get my monthly statement. 

According to the Fair Credit Reporting Act, TD Bank is required to send me an account statement every month. I have made a good faith effort to obtain my current statement. Now I am asking you to look into the problem and take appropriate action ( fines, etc. ) to remedy the problem. Until I receive an account statement, I will make no further payments on the account.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (AK)

The first incident is XXXX XXXX  they say I have a balance of XXXX. Ive never had XXXX XXXX  in my life. The state that I live in. doesnt even have XXXX as a provider I filed a police report. Ive submitted it to XXXX XXXX  and they still have not removed this off of my credit report. 

The second is the inquiries after XXXX  on my credit that are from home loans auto loans I have not applied for a loan so whoever is applying for the loans in the credit it is not me and Ive contacted the companies and I believe my information was sold or scammed becausethat is not me And third, I was scammed by XXXX XXXX XXXX that faked to be a different company that Ive signed a contract for for {$800.00}. This new company came and took the vehicle without contract and tried to charge money. I have no contract with this company no ties to this company. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$800.00} XX/XX/XXXX at XXXXXXXX XXXX This is the guy that scammed me
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc. (TX)

Carmax has charged my XXXX XXXX account a total of {$50000.00} and I have no clue what these transactions are about. 

I have never been a Carmax customer. I have never taken any loans and I dont have vehicles. 

$ XXXX XX/XX/year> - Business to Business ACH Carmax Auto Fina Payment XXXX XXXX XX/XX/year> - Business to Business ACH Carmax Auto Fina Payment I tried to contact the Carmax helpline and also sent a letter in writing but they did not take my complaint over the phone and have not responded to my letter.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I have an account in Wells Fargo Bank. I was traveling out of country when I discovered XXXX unauthorized ACH transactions totaling $ XXXX on my bank statement : $ XXXX XX/XX/year> - Business to Business ACH XXXX XXXX XXXX Payment XXXX XXXX XX/XX/year> - Business to Business ACH XXXX XXXX XXXX Payment XXXX XXXX XX/XX/year> Business to Business ACH XXXX XXXX XXXXXXXX XXXX XXXX I filed a claim with Wells Fargo on XX/XX/year> over the phone. After 5 days the bank denied the claim saying I did not report them in XXXX hours. I do not agree with the banks decision and want these funds back in my account. 

I also tried contacting XXXX and XXXX  XXXX XXXX but none of these organizations are willing to do anything.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a complaint to the CFPB on XX/XX/year> regarding my complaint of XXXX XXXX  of debt bondage. all 3 credit bureaus have neglected my dispute and I am demanding it be reinvestigated. I am a victim and this is unjust as a consumer that I am being treated as such. this is discriminatory and prejudiced. while being on XXXX XXXX XXXX  I have become a victim and this situation is very XXXX to me and I hate that I have to keep reliving this tragedy with you and disputing this so many times. please remove all negative accounts form my credit report as they are a response of the trafficking. I have attached appropriate documentation ( XXXX XXXX  victim determination documentation/Self attestation form ) as well as the documentation I received via mail that claims my request is not valid. The below accounts I am asking you to revisit and remove from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you and again, please consider the fact that I am on XXXX XXXX XXXX  for OUR country and you are completely ignoring and violating my RIGHTS as a human being. thank you.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

SYNCB/LOWES, CAPITOL ONE, XXXXXXXX XXXXas not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed an inquiry in my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (CA)

Fortiva apparently opened a card for me without my consent or knowledge. I dont even have the card. They dont have my actual address because I moved. 
I originally used them as a loan to pay off a XXXX purchase, and I paid it off. Then sometime later, they opened a card in my name without my consent. 

Now they are emailing me telling me I am past due because they put a yearly charge on the card, which I have never opened or used. I called them to close the account and they said they did, but I am still getting emails saying I am past due, and I can still log into the account they sent me and it says I owe money on a card I have never used or consented to opening.
Consumer complaint received 2023-05-30
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: DISCOVER BANK (FL)

From XX/XX/XXXX to XX/XX/XXXX, they made use of my credit, trying to acquire multiple credit cards, personal loans, vehicle applications, where my credit was affected and they only managed to generate a XXXX XXXX XXXX credit card for a total of {$400.00} leaving me a collection balance of {$190.00}. I have not had an account with those banks, nor have I made any payment to that account from any personal In that same year my phone number was cloned and they used my personal information to try to get some kind of financial benefit, which caused my credit to be considerably affected by inquires
Consumer complaint received 2024-09-26
Product: Credit reporting 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. (MI)

I was so surprised when I checked my credit report and it has these inquiries that I don't remember ever approving or permitting to be reported on my file. I do not recognize these and they don't belong to me.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

I was on my vacation in XXXX, and XX/XX/XXXX I got a message from Us bank about fraud transaction, I put " no " it no my purchase, call to bank and block my card. But later I saw XXXX transactions on my card. I called US bank again and explained the situation. They assured me that card was blocked and I am not responsible for it and I will get provisional credit. Later XXXX more transactions appeared on my account, I called US bank again and again. XX/XX/XXXX I saw {$210000.00} debt on my account and call USbank again. The representative was rude, do not want to listen me and said the case is close because transactions were before I call. It is nonsense. I call when usbank send me alert, but they dont sent me alerts when someone used my card for huge amount. USbank does not want to speak with me and be fair, and these XXXX transactions not mine for sure. I explain when I saw and used this card and what is not mine. Total ignore and rude attitude and put on my account {$2100.00} that is not mine! Please help me with this situation.
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (AR)

US Bank committed fraud by completing and negotiating pay off agreements while foreclosing on the property without notifying the guardian or the title and real estate company when they directed the payoff amount and wiring instructions. These two XXXX XXXX individuals were not capable of being served in the first place or signing. US Bank allowed us to pay them off, knowing that they had just foreclosed on a second mortgage with them one month prior to the payoff without informing us at all. We would like to reverse the foreclosure action for this reason or receive our hard earned equity of XXXX plus our payoff amount they illegally accepted. I have reached out to all the attorneys and they inform me that it is US Bank that is responsible for this problem. It has a pending offer on the as the buyers are profiting major money off these helpless people. I want to stop the sale. We have reached out to the seller to stop the sale and they have refused as well. They have no phone or email and are barely communicating non sense at present. He worked 40 years to get this house paid for. When I met him, they had various properties to sale to pay off the mortgages on them and finally we paid off their residence in full with US Bank. If we knew it was foreclosed on, we would NOT have sent the payoff. It wasn't that much on such a nice home. The bank sold it for XXXX and we offered to pay them $ XXXX and thought they accepted, then they stopped corresponding totally. It now has an offer and we want to stop it.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

Chime today, without warning, sent me an email, informing me that they decided to close my account, without a reason. There was no advanced notice and immediately had no access to my account or funds -- which is all the money I have. I called support and spoke with a supervisor, who also could not provide me a reason why my account closed, and that they would wend me a paper check in approximately 30 business days. Furthermore, all of my direct deposits are linked to this account, and are scheduled to be disbursed this Friday, and they had no clue how I could redirect these funds or what would happen to them. Chime has taken away all of my money and not provided a way to expeditiously retrieve them -- all without prior notice or cause. They've jeopardized my ability to buy food, pay for housing, and my entire livelihood, all in error. This is unacceptable and an egregiously irresponsible business practice.
Consumer complaint received 2024-08-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Total Auto Finance (VA)

{$17.00} XXXX. XXXX, I spoke with the account manager XXXX XXXX on XX/XX/XXXX who informed me that there isn't any account with my information associated with it and that the company total auto finance has filed for XXXX  XXXX in XX/XX/XXXX and that once again i contact the XXXX credit bureau and request removal of the account due to unverifiable. 
information, This account has a very negative impact on my credit profile. I have sent XXXX certified mail and disputed with the XXXX major credit bureaus and the credit bureau and the results came back variable and accurate, I have yet to receive any documentation that I requested from either the XXXX major bureaus or total auto finances, bearing proof of this account, which is a violation.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

Date of Report XX/XX/2023 - Amount {$510.00} XXXX XXXXXX/XX/2023 In Accordance to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX  XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

XX/XX/year> : Contacted Lexis Nexis Consumer Center to request consumer report after not being able to purchase a new homeowner 's insurance policy for my home at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Received report : ( 1 ) noted they had an incorrect address for me on the entire consumer report. They had my address as : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX ( this is a condo about about XXXX mile from my home ). My address is XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. ( a single family home ) ( 2 ) noted on report 2 insurance claims ( one from XXXX XXXX and one from XXXX ) The 2 claims were at an address where I have never lived - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( a very similar address to mine ) I have repeatedly contact them via phone, email, and written letters to ask to have the 2 insurance claims removed from my consumer report. They are not my insurance claims, or my address.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION (FL)

I have several accounts with Truist. I received a solicitation for pre-approval and a promo offer of no interest for a period of time. I am in the process of renovation so this seemed a good offer. I received my card and logged into my Truist online portal to take advantage of the promo. I then received a fraud alert via an unidentified XXXXXXXX XXXX. I don't answer unknown numbers due to scams. When I attempted to return the call, I was directed to XXXX XXXX  who barely spoke English and after 45 minutes I request a US representative. ( If concerned about fraud, perhaps don't send confidential, financial information offshore. ) In any case, they said they would resolve the issue. Nothing. I tried again. Same issue, canceled, call from XXXXXXXX XXXX. Tried a third time. This time I answered XXXX call, gentleman said he would put through transfer, as I had completed all necessary validations. Another week goes by and nothing. I try again. Same person as first time, XXXX leaves message and I am now back in XXXX XXXX when I call back. Could not locate XXXX. I am on phone for XXXX hr, XXXX min. and speak with helpful rep, who promises to resolve. Nothing happens.
Consumer complaint received 2024-08-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation (TX)

Saw on credit report. Disputed. Reached out to agencies on credit report to resolve unrecognized issue. Said would not talk to me. Placed in collection and filed claim for payment and will remain on credit if I dont pay. Refuse to provide any assistance
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (OH)

I am extremely frustrated to see that there are several accounts on my credit profile that have been fraudulently reported. These accounts do not belong to me and I have made multiple attempts to notify your company to remove them. However, despite my efforts, these accounts are still appearing on my credit profile. This is unacceptable and if these accounts are not removed immediately, I will have no choice but to take legal action against your company. The attached document serves as proof of the fraudulent nature of these accounts. I demand that you remove them from my credit profile without any further delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Synergetic Communication Inc (SC)

The company is called Syncom out of XXXX, TX I never heard the company and I receive a text message this morning from this debt company about a bet from dentist office. The same verbiage was sent to my mother via text message as well. I am not aware of the debt in question nor have I received any written correspondence about this debt. The fact of the matter they contacted me on Sunday when their offices are closed and contacted my mother baffles me and is harassment happen around XXXX XXXX  and again at XXXX XXXX.
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

I used XXXX to transfer XXXX $ on XXXX to XXXX XXXX. XXXX will not help in the matter. The guy is a crook and needs to be arrested for fraud. I should have seen up front but didnt know right away. He uses this email XXXX XXXX and also XXXX. His XXXX details are XXXX I have emailed him for the last 3 days and got no response. I have no other contact info for him. He uses XXXX to post items for sale.