davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (NJ)

Previously had TD Business Checking and Credit Card Accounts from about XXXX to XXXX with my own LLC business. 

Went well for several years, but ultimately filed for XXXX XXXX  bankruptcy in XXXX, and TD Bank Business Credit Card was included. 

Now newly employed and with a steady paycheck, I applied for a Personal Credit Card with TD Bank last week. Yesterday I received a letter stating that I was not approved due to " DELINQUENT PAST OR PRESENT CREDIT OBLIGATIONS WITH TD BANK, NA ''. 

I called and asked exactly what this meant, and was informed that despite exercising my right to file for bankruptcy in good faith under the Consumer Credit Protection Act, TD Bank did not consider my past credit obligation discharged. I was again told that my application was denied. 

The federal Equal Credit Opportunity Act strictly prohibits creditors from discriminating against credit applicants on the basis of ( among other things... ) : " or because the applicant has in good faith exercised ANY right under the Consumer Credit Protection Act. '' Bankruptcy was a difficult decision, and I am not proud of that. However it is illegal for TD Bank to hold that against me and deny credit out of spite. 

In addition, while I hope to never have to go through that again, I am completely forbidden from filing bankruptcy again for three more years. I'm a safe-bet.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed information on my credit report because I have not received anything from the debt collection company or that my loan was sold. I was approved for XXXX benefits and they still reported my account as delinquent and put it in collections. XXXX has removed the account from my report but Transunion and XXXX has not
Consumer complaint received 2022-12-21
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. (FL)

The accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.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 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 man seven 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 the Information is inaccurate. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have listed the accounts that are negatively affecting my life below : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And the cares act and FCRA state that creditors may not report adverse information that occurred during the pandemic.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Bitstamp USA, Inc. (CO)

I deposited {$52000.00} into bitstamp with the intent of purchasing crypto currency. I submitted their verification on XX/XX/14 and since then my account funds have been locked. I can not buy crypto currency nor can I withdraw my funds. I have done nothing beyond depositing the funds and proceeding with their verification. It has been over a month that this has been going on and I need my funds back. Thank you.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

I made a complaint through you guys about the school misconduct applications going out due to The Art Institute of Philadelphia being deems a fraudulent school. Please see previous complaint. 

Since this complaint has been closed out, I've now received a letter saying they messed up my interest rate and I now have to pay XXXX XXXX interest, from XXXX XXXX. My payment, which I was already struggling to make and have been in forbearance for 10 months over, is going from $ XXXX to $ XXXX. I called once and the woman on the other line told me I was not in forbearance and was in loan modification ( had no idea what was going on even though the information was right in front of her ) and then proceeded to say she'll record the call, and did not provide any further communication. 

I called a second time, the man on the phone still was confused about the situation, put me on hold to see if there were any relief options available, got back on the phone and said there's nothing they can do. Even when I said there's no way I can afford this payment. 

I think the timing of this is very interesting since I just made a complaint through CFPB. This group is collecting a fraudulent debt. How is it that XXXX is able to offer private student loan forgiveness, but this group is claiming " they aren't allow to ''. Why are they allowed to collect debt from a fraudulent transaction?
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion Inc, XXXX XXXX XXXX, XXXX PA XXXX Dear TransUnion I am writing to request the removal of 1 fraudulent inquiry that I did not authorize caused by Identity Theft. And some account that is not authorized by me XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (AL)

Spotloan approved me for a Loan for the amount of XXXX $ and told me it would 10 payments of XXXX every 2 weeks when I agreed to that it suddenly changed to 30 payments of XXXX at XXXX % interest which I did not agree to
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/year> I received a copy of my consumer report and noticed some accounts that do not belong to me. I have never entered into a consumer credit contract with any of these companies listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I request evidence from these companies and they have failed to provide proof that I consented to anything. I want a full reinvestigation into these fraudulent accounts. 15 USC 1692G states that all debt collectors provide sufficient evidence to support they claim. I know I never signed anything with these companies so these accounts shall all be removed.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

A few months ago, I examined my credit report and discovered inaccuracies regarding the WFBNA CARD account ( XXXX ). This is a breach of my rights. I disputed these errors directly with the three credit bureaus and the creditor, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.


15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information. 15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

REPORTING OF FALSE INQURIES ON MY CREDIT REPORT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXXXXXX  JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (DE)

I pulled my credit report and have noticed a violation regarding the accounts listed below : ACCOUNT NAME & ACCOUNT NUMBER : XXXX XXXX XXXX You sent me a settlement letter agreeing to accept a certain amount to satisfy the above account as paid in full. You also stated that upon receipt and clearance of that amount, this account will be satisfied-in-full. Again see your letter attached to this document. Well, I paid according to this agreement. Why have you breached this agreement and sold the balance to another collector? You lied to me and used false and misleading representation when you said that this account will be paid in full once I made this payment. As of now you have violated the following :
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a letter from BOFA saying they will close all my credit cards accounts in 30 days, if I didn't send my ID documents. 
I sent everything they asked for by USPS priority mail, and I have a receipt with tracking number and also a inquiry response from USPS saying it was delivered at right address. 
After a 20 days calling and hearing from then that they can't confirm if it was received or not, they closed all my accounts ( two, credicard and visa ), and the answer was they never received the documents and can't do nothing about it. 
I went to my agency of BOFA in person with all my documents but they didn't helped me.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC (KY)

I called to pay the mortgage that is in my husbands name, on XX/XX/XXXX. I had previously made the first XXXX payments in XX/XX/XXXX where I explained then that my husband is a XXXX veteran! He XXXX XXXX times in XXXX years! XXXX XXXX XXXX XXXX XXXX, I take care of a lot. I also paid XXXX XXXX.no issues! On XX/XX/XXXX, I talked with an agent named XXXX. She asked to speak with and verify my husband and get his permission to speak with me. She kept asking for the same stuff and aggravated my husband. He asked to speak to a supervisor, she declined XXXX times! Each time saying it wasnt a valid reason to speak with a supervisor. She also didnt want to speak with me ( his wife ). He asked if she would like to and she replied yes, but kept asking him the same questions over and over. He kept asking for a supervisor she refused. When she did finally talk back to me. She asked me if I wanted to use the account ( my account ) to process payment. I said yes! She then asked again do I want her to process the payment. I said yes! Again. She asked again! I again said yes and when it came time for my confirmation XXXX  she gave me the wrong number! I asked for it a second time and again wrong. We ended the call with XXXX and I called back and talked to a agent named XXXX, who was helpful, she sent us the paper for adding me onto the account so I can pay our mortgage. Very helpful, she then stated that she put in for us to get a call from the supervisor. We thought thats awesome! She also said she would send us a complaint form because she stated it was messed up we had to call back and get our confirmation number right! Thats wrong! It definitely is! XXXX never sent the complaint forms. We received a missed call and voicemail from a XXXX, who proceeded to give my husband a wrong call back number! Today we tried to call him and got no where! My husband is a XXXX veteran! He deserves better than this! Im very upset about how this issue is being looked over. My husband has a {$230000.00} loan there. That may not mean a lot or seem like a lot, but in XXXX we were homeless!! Sleeping in a vehicle, to a run down garage with XXXX walls! When we finally built back up we rented a home for XXXX years and built our credit back, to buy our forever home! We did that in XXXX years! {$230000.00} isnt a lot to most, but we worked hard to get it. We deserve more respect than this! This is disgraceful! XXXX!
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

On XX/XX/year> I filed my 1st dispute against cashapp about 10 unauthorized transactions made while I was XXXX  I provided documentation that I was in XXXX from XX/XX/year> - XX/XX/year> and that my cashapp debit card was in my property at the XXXX along with my cell phone making it very clear I did not make these transactions. I was refunded on 2 of the 10 unauthorized transactions and denied on the remaining 8 because I didn't provide proof of identification in a timely manner due to cashapp treating every unauthorized transaction separately and making it very difficult & time consuming to provide all the information requested from me and unnecessary due to the fact that I had already sent proof of identity to cashapp twice previously. I was refunded {$94.00} from 2 of the disputed transactions from the total of {$380.00} leaving a remaining {$290.00} still pending and denied being refunded for the above reasons. 
The 2nd dispute was filed on XX/XX/year> for the remaining 8 unauthorized transactions to which I was denied for unspecified reasons. I had been talking to customer support all throughout the time I filed the first dispute because of how long it was taking because to me it was simply a miscommunication but i was given unsatisfactory answers. I had already been refunded for 2 of the transactions so I figured that once I regained communication and sent in all the supporting documents they would refund me the {$290.00} with no hesitation but I was denied again for unspecified reasons. 
On XX/XX/year> I was sent an email with the supposed reason for my denial but there was nothing stating why I was denied. It was just a copy of the 8 unauthorized transactions remaining and stated they reviewed my account information and due to that I was denied. 
I have numerous amounts of emails and customer support chats saved of all of the times I communicated with cashapp employees trying to resolve this situation and just being bounced from person to person with no clear answers to why they denied my dispute & the refund of my {$290.00}. 
Cashapp is a very deceptive company that provides the lowest level of customer service I have ever encountered. I can not of made it more clear about my identity and that I did not make the transactions being disputed. Furthermore I was refunded {$94.00} for 2 of the unauthorized transactions which proves that they know that the transactions were unauthorized but are refusing to reimburse me the remaining amount. I have never been treated so unfairly and felt so unheard in my 37 years on this planet! Cashapp is a worthless company that should never be trusted with anyone 's finances.