davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I was trying to log into my TD Bank account. Upon logging in, I discovered they closed my checking account for reasons unknown. I decided to call and they told me they have a no check status meaning the customer service on the phone was not able to see or give me a reason as to why they closed my account. The next day, I decided to go into the banking branch and find out what was going on with my account as I had money on there that I needed. The customer service employee and the branch advised me the same thing and told me my account is closed and she took m bank card and cut it and threw it away without still giving me any reasons as to why they closed it. I then asked them when I will be getting the funds in my account and they told me it should be mailed to me within 30 days. Fast forward to now Ive called multiple times the past months asking when I will receive my money and they continued to tell me the same thing. It should be mailed to me in 30 days. It is now XX/XX/XXXX and I have still yet to receive my money months after them telling me I would. Im unsure what to do and writing this complaint was my last resort. I just want my money back because it is MINE and it is not the banks right to continue to hold it away from me.
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

I am writing to formally lodge a complaint against Ed Financial, my student loan servicer, regarding a significant payment discrepancy that has caused undue distress and inconvenience. On XX/XX/2024, I made a payment of {$2400.00} to settle my third loan obligation. Regrettably, despite the deduction from my bank account, the payment has not reflected on my Ed Financial account. 

Following standard procedure, I patiently waited for several days to allow for processing time. However, upon checking my Ed Financial account online, the payment remained unrecorded. Concerned by this discrepancy, I promptly contacted Ed Financial to seek clarification and resolution. To my dismay, their representative confirmed that they had not received the payment and requested documentation evidencing the transaction, specifically a bank statement. 

Complying with their request, I promptly provided the requested documentation. However, the subsequent handling of the matter by Ed Financial has been deeply unsatisfactory. Despite their initial assurance of a 5 to 7-day resolution timeline, upon my follow-up two weeks later, I was informed that the resolution process would extend to an additional 30 to 45 days.

This extended delay, coupled with the lack of transparency regarding the status of my payment, has left me deeply frustrated and concerned. As a borrower, I have fulfilled my financial obligation, yet I am left in limbo with no definitive timeline for resolution. This situation not only undermines my confidence in Ed Financial 's competence but also raises questions regarding their integrity and commitment to customer service. 

The sum in question, nearly {$2500.00}, is substantial and its delayed processing without adequate explanation or timeframe estimation feels unjust and bordering on fraudulent. As a responsible borrower, I have adhered to the terms of my loan agreement and expect the same level of diligence and accountability from my loan servicer.
Consumer complaint received 2023-10-23
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Freedom Mortgage Company (FL)

I received a call from my new mortgage loan servicer regarding my payment being late. On XX/XX/XXXX I informed the representative that I only get paid once a month and I would pay my bill for both payments I'm behind on the XXXX of this month. I have been still getting calls and today a letter were placed on my property gate for the company stating they haven't been able to reach me. I have spoken with the company and told them my attention to this matter. They still harassed me afterwards.
Consumer complaint received 2023-04-20
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. (LA)

I, XXXX XXXX, never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : 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
Consumer complaint received 2023-11-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

I recently received a debt collection notice from CBE group, ( XXXX XXXX XXXX, XXXX XXXX, IA XXXX ) regarding a debt with XXXX aka : XXXX XXXX, for the amount of {$2100.00} and regarded an account number : XXXX and a CS Number : XXXX, Reference number : XXXX. I've never had a XXXX account. I wrote to dispute the debt to no avail. I then called and spoke with one of the representatives at CBE group. During the course of that call it soon transpired that I must have been the victim of identity theft because of the address of the account in question was certainly not mine but the thing was that whoever perpetrated this gained access to my social security number. I've filled alerts with all the appropriate agencies but was advised to file one here as well to help remove this debt from my credit report.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been trying to get XXXX XXXX XXXX to correct the principal balance for several weeks. The servicing was transferred in XX/XX/2024 and the principal balance was updated on XX/XX/XXXX to reflect a {$300000.00} principal payment. 

As of today/s date, the principal balance still reflects {$30000.00} too much. 

I did file a dispute with the credit agencies, but because I have had so much trouble with this servicer, I feel there will be no resolution. 

This has been a nightmare from day one for us, I just want the credit balance correct. This affects our debt-to-income ratio. 

Please assist with this issue and have it resolved in a timely fashion. 

I have all kinds of supporting documentation if needed. 

Warm regards, XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

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

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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.
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC (IN)

Rocket Mortgage informed me during the loan process that this PMI would be removed for free once I had paid down my loan ratio below the 78 % mark. Now that I have in less than a year paid it down to 60 % they came up with an excuse that I was in a XXXX XXXX XXXX. When I proved that false they then said that they would still need to charge me {$190.00} basically for another apprasal to be sure the value of the home has not decreased enough to put me outside of the 78 % ratio. 
I feel this is disengenous and they are purely seeking to charge me rediculous amounts in order to remove a fee they should have removed when my loan was paid to be recast. 
I seek for this {$190.00} to be fully refunded immediately. 
XXXX XXXX : XXXX Rocket Mortgage.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

Please consider this as refiling of my complaint to the DEPT OF ED/AIDVANTAGE for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the report with identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter to the bureau and to the company but they never take action. As I checked my credit report fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

I am writing to dispute a billing error related to my account with SYNCB/Care Credit, Account XXXX : XXXX. This dispute is made under the provisions of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. I believe that a significant error has occurred in the handling of my account by SYNCB/Care Credit, as described below : Despite the account being officially closed, SYNCB/Care Credit continues to threaten to report late payments on this account. To make matters more confusing, I have not received any billing statements to confirm the status of the account. My concerns regarding these discrepancies were raised during verbal communication with representatives from SYNCB, where it was indicated that late payments will still be reported, even though I have not received any billing statements or invoices to clarify the account 's status.

I would like to request a thorough investigation into this matter, as well as the appropriate resolution as mandated by the FCBA. Furthermore, I kindly request SYNCB/Care Credit to provide the necessary documentary evidence and clarification to address these errors.
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

I filed a complaint with you back in XXXX and was finally able to register my car, with my ex-husband 's name on it in XXXX of XXXX. I really need some help dealing with Capital One. They have now locked my app and are demanding that I call in with payments. I would like them, in good faith, to credit my account for One Month and to stop threatening me with re-possession, as my account is not as delinquent as they say it is. This is not a game anymore. I will be calling in my payment on Thursday afternoon when I get paid, according to our payment arrangement. I would also like to see a 1 Month credit posted to my account as I am sincerely frustrated with them. Please tell them my response to the financial hardship is that for about 9 months I could not use my vehicle due to the inability to register the car because of their titling issue. I did their work and got the Title from the State of New Hampshire when they told me they had it all along. It is still incorrect as my ex-husband is still on it. When I re-financed in XXXX, he released all interest in the vehicle and Capital one admitted to shredding documents. Can you please help me with this stupidity.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-13
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. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-11-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I noticed a " Card Security '' charge on my Amazon Synchrony Credit card this month, and did not recognize it. Upon calling the number in the charge narration, I was informed that this I have apparently been enrolled in this program since XXXX - and being paying for it on every statement in which I've had a balance since then. 

I requested an immediate cancellation and refund. They cancelled the enrollment, but only offered a refund of {$8.00} and change, which is definitely less than what I've paid into this program, even though I never explicitly signed up for it. I have had this card since XXXX and somehow miraculously " signed up '' for this card security in XXXX XXXX XXXX -- which I have no recollection of doing whatsoever. 

I'd like a full refund of everything I've ever paid into Card Security, since I was fraudulently enrolled in a program I didn't want, never utilized, and never agreed to.
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (FL)

I had one more payment to pay in total I paid XXXX the total payment on the account of the loan was XXXX. I missed one payment and they did email saying it was missed but the payments for every paycheck proceeded. I was late on the first payment so I knew I was one payment behind. As I am trying to pay it off the agent on the phone tells me that I owe XXXX. He explained that I was only paying for the interest rates and not the principal. So this entire time all the money was going to interest. I spoke to a supervisor and she explained well this is how it works and nowhere on an email I received from them does it let me know or the contract which I asked and they do not know where that information is under. They told me the document was on my account andthey did not want to provide any more information. So, now this loan is costing me {$6200.00} not what we signed for in the contract in the beginning. How is this being allowed?
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Commencing on or about XXXX XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) which involved me making deposits for a total amount of {$130000.00} XXXX  from my Chase Bank account to a fraudulent investment firm.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

U.S Bank closed my account ( XXXX ) on XX/XX/XXXX for " suspicious activity '' I had a direct deposit of {$3500.00} deposited into my account while my accounts were in the process of closure so I was due a cashiers check which I never received. I've called the bank several times, different people have told me different things I was told that they deposited my money into a XXXX  account at my home branch on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ca. I have gone to the branch several times as well, I was told they would be able to give me a cashier check for the amount due to me. I was told on XX/XX/XXXX that I would receive my cashiers check the following day, I went to the branch and branch manager was not there. I was told to come back XXXX  XX/XX/XXXX. I went and I was told that U.S bank rejected the claim so I can retrieve my money and that they don't know when I'll be able to get my money back from them. Everyone has been useless in trying to help me get my money back so please help.
Consumer complaint received 2023-11-13
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: Experian Information Solutions Inc. (CA)

It should be updated to positive or removed using 15 U.S. Code 1681b - Permissible purposes of consumer reports it's been updated on my XXXX and XXXX but not my experian and there's not my signature on the contract
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On 10/10/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit ReportingAct this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.