davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I called TD Bank ( at XXXX XXXX  ~ XXXX hour and XXXX minutes ) to just pay off the debt. I waited on hold and was passed around from department to department at least XXXX times, each time being asked for my XXXX account number and other tedious and redundant questions, before I spoke with XXXX - agent ID XXXX. 
I told her I was calling to settle the debt but that I needed to be made whole again. My credit needed to be restored by them. She told me TD Bank would settle at XXXX and the credit was another issue. I asked her to write up the settlement, but she refused. 
In addition to that the Agent attempted to gaslight me and by saying the letter I had received from TD Bank had nothing to do with the investigation despite the repeated references to the letter as the findings of the investigation on my previous call on XX/XX/XXXX at XXXX on a recorded line approx. XXXX minutes. 
I appreciate your attention to this matter and seek a timely resolution. 

Also, previous attempts at resolution have not been addressed. TD Bank has not addressed the unfounded investigation that has adversely affected my reputation. The suggestion that I claimed I resided at XXXX XXXX XXXX remains unaddressed. I kindly request clarification on the source of this address and the purpose behind its inclusion. 
Furthermore, I urge prompt attention to the terms of the loan. Had this matter been promptly resolved, the merchandise could have been returned. Unfortunately, despite having my contact information, I received no communication until XXXX months after the sale. Regrettably, this delay has impacted my ability to return the merchandise and has furthermore negatively impacted my credit and hindered my housing and employment prospects, as credit reports often scrutinize such discrepancies. 
I am deeply distressed by the false accusations and the lack of transparency exhibited by TD Bank and XXXX XXXX XXXX. Their collective actions appear to constitute a deceptive scheme, violating fair business practices. 
Additionally, I note that their documentation fails to mention the substantial monthly payment of {$380.00}. Such a financial commitment should be explicitly shown to customers, as it significantly impacts their financial obligations and their lives. 
I emphasize that I was unaware I was applying for a credit card. The sales representative, XXXX XXXX, misled me by suggesting I have an XXXX grace period for furniture payment and the subsequent documents provided did not state that XXXX XXXX monthly obligation was being incurred.
Consumer complaint received 2024-07-10
Product: Credit 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: HSBC NORTH AMERICA HOLDINGS INC. (OH)

XXXX XXXX with XXXX called my husband from # XXXX and I received a voicemail from a female from same company XXXX today XX/XX/XXXX. They stated my full name and date of birth along with last XXXX of my social and asked me to verify. I did. They then proceeded to tell me that I had an account opened with XXXX on XX/XX/XXXX and that it was in good standing for 7 years. Then the account was resolved and closed on XX/XX/XXXX. with an outstanding balance of {$2400.00}. They stated they would take partial payment of {$1400.00}. I informed them that I did not have any accounts with XXXX, nor do I owe any money. They stated that they would file a civil suit against me for outstanding charges.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited two CASHIERS CHECKS and the bank put a seven day hold on the funds. I had asked an employee before depositing the checks if they put holds on cashiers checks and she told me no, " because the money is certified ''. 

I called Bank of America and they denied my request to release the holds.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I submitted a dispute on XX/XX/2024 for a collection account on my credit, from Credit Acceptance Corporation. I disputed this because the information they had on file, was not accurate. 
I have not heard anything in regards to the dispute. I have since, updated all of my information with the company, so they have all accurate info. The dispute is still pending XXXX months later.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CT)

XXXX XXXX is showing and. open account with a balance when it's been paid for over 2. yrs with a XXXX balance and is closed. They agree it's been paid but say they have no idea why it's still reporting with a balance on my credit report. 
I want it either removed or updated to correctly show a XXXX balance and closed account.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Goal Structured Solutions, LLC (NJ)

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 : LAUNCH SERVICING, LLC # XXXX, Account name : LAUNCH SERVICING, LLC # XXXX, Account name : LAUNCH SERVICING, LLC # XXXX has violated my rights. 


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 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial (FL)

I am writing to formally address several issues I have encountered with my lease agreement and payment processing with Koalafi. 

On XX/XX/year>, I began a lease agreement approved for {$650.00} with Koalafi, with monthly payments of {$57.00} for XXXX year. On XX/XX/year>, I opted to change the payment plan to a XXXX XXXX agreement. Despite not receiving any new paperwork for this adjustment, I continued to make the required payments to meet the XXXX XXXX terms. 

On XX/XX/year>, I paid the payoff amount of {$280.00} via the online portal. I received an email confirming that the payment was scheduled. However, my next contact with Koalafi was on XX/XX/year>, after my XXXX XXXX should have ended ( XX/XX/year> ), when I was notified of an overdue balance. 

Upon contacting Koalafi to resolve this issue, I was informed that it would be escalated to the case management team, and I would be contacted within XXXX days. Instead, I only received calls attempting to collect the debt. On XX/XX/year>, I called for an update and was informed that my case was closed because I had ample time to review my account and notice the payment was not processed. 

When I inquired about why I did not receive an email notifying me of the canceled payment, I was told that Koalafi does not offer such notifications. 

Attached to this complaint are : Emails from Koalafi notifying me of missed payments prior to XX/XX/year>. 
The email confirming the scheduled payment of {$280.00}. 
Payment logs up to XX/XX/year>. 

I request a thorough review of my case, a resolution to the payment processing issue, and appropriate rectification of my account status.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (HI)

To the payment and correspondence department my name is XXXX XXXX for the past 60 days. All Ive been doing is attempting to pay my bill. My account was locked out due to incorrect account information. I have mailed in a payment via your envelope that you sent me with my account number two weeks ago that wasnt processed. I spent {$68.00} next day airing a Money order delivered and I have a confirmation showing was delivered 10 days later. My family is losing their home. We are so in trouble because of this payment you filed a late payment history please help me remove this late payment we have never missed a payment in the history of our credit report. I can not begin to explain to you our family is losing their home because of this. Please help us understand why XXXX payments that have confirmations and confirmed delivery to your payment. Correspondence department have not been processed on our account. 

We have contacted the US department of veterans assistance affairs. We have contacted the US state attorneys office. We have contacted the Better Business Bureau and we have doing everything we can to file a complaint against your company unless this is resolved immediately. Please help us Im begging you to have some kindness and compassion in your heart to help my family understand why after XXXX years of being a customer you are XXXX  us and putting us through this rig around.
Consumer complaint received 2024-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fair Debt Collection Practices Act ( FDCPA ) Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Medicredit for FDCPA Violations Dear FDCPA Compliance Office, I am writing to formally file a complaint against Medicredit, located at XXXX XXXX XXXX, MO, XXXX, with phone number XXXX XXXX, for several violations I experienced during a recent collection call. 

On XX/XX/XXXX, I received a call from an XXXX number, which began with a pre-recorded message. In the recent case XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ), the court held that the use of a pre-recorded greeting in an otherwise live call triggers XXXX ( b ) of the XXXX, regardless of whether an XXXX was used. This indicates a violation of my rights under the XXXX. 

When I returned the call and verified my personal information, XXXX, the representative, overshadowed my consumer rights by suggesting immediate payment within the validation period. This occurred even though I had not yet received the initial letter advising me of the debt. I informed XXXX that I was represented by an attorney and requested to speak to a supervisor. After spending XXXX minutes on the call, I was finally transferred only to be disconnected. 

Upon calling back, I spoke with XXXX XXXX, a supervisor, who disconnected the call after confirming my identity. On my second attempt, I encountered another representative, XXXX, who was extremely rude. When I asked to speak to the supervisor, XXXX claimed there were over XXXX employees and she did not know who the supervisor was. Despite this, I was informed that XXXX XXXX refused to address my concerns about the account and other questions, and I was told to send in my complaint. 

The issues I am highlighting are as follows : XXXX. Use of a pre-recorded message during a collection call. 
XXXX. Overshadowing my consumer rights by pressuring payment within the validation period. 
XXXX. Failure to provide an initial letter advising me of the debt. 
XXXX. Unprofessional and rude conduct by the representatives. 
XXXX. Use of an XXXX  in a blast campaign. 

Given these violations, I request a thorough investigation into Medicredit 's practices and confirmation that my rights as a consumer are protected. Additionally, I want assurance that no negative information related to this account will appear on my credit report. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-09
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (TN)

Today, XX/XX/year>, I was on the Credit Karma app and viewed personal loan offers. The app said that I could find out what my rate would potentially be - risk free. There would be no hard credit pull and the companies would not be given my personal information for solicitation. I viewed the offers listed and closed out of the app without applying/taking the offer. Approximately XXXX hours later I received an email from XXXX informing me that my loan application was denied and they could not offer the rate offered. I contacted Credit Karma immediately and was told to monitor my credit for a new inquiry, then dispute it with the XXXX credit bureaus. They offered no explanation for why this happened, they did not offer any resolve on their part although it was an error on their part. I contacted XXXX and opened a fraud case. I was told that Credit Karma submitted a completed application, including all of my personal information with only my telephone number missing from the application. XXXX sent a follow up message stating that they canceled the application in their system. They state that they did not perform a hard inquiry on my credit report so no corrections to my credit history with XXXX is necessary. I will still have to monitor my credit on the other agencies, all thanks to Credit Karma 's " credit monitoring services and risk-free offers ''.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Early this year, XXXX XXXX XXXX student loans merged into the same federal entity, XXXX. Due to this merger, XXXX has been reporting duplicated information from both government agencies as result my student loans debt doubled from $ XXXX to {$100000.00}. reducing my purchasing power hence ability to buy a house. Equifax and XXXX are reporting accurate information, see attached. 

Since XXXX of this year, I have been trying to get this fix with XXXX but they're not taking my request seriously. Hence, I may please need your assistance with this case.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF HAWAII CORPORATION (MI)

On XX/XX/2024 I opened a new checking account with bank of Hawaii. I funded with my XXXX  checking account for {$500.00}. On XX/XX/XXXX a letter was mailed to my residence stating they suspected a fraudulent account opening, and that my account had been closed. My {$500.00} initial deposit was reversed, and when I called 2 weeks later to ask about it, they said it would take 7-10 business days to process, meaning I should have got that money back in my XXXX account on XX/XX/2024 at the latest. Upon receiving the letter I also called and they said I could mail ID, passport and a bank statement to get my account reopened. So I sent those on XX/XX/XXXX. I called again after XX/XX/XXXX for help regarding my initial funding as Ive never had a problem with money disappearing like this, and they said it was a problem on XXXX  end, as they neeeded to accept the fax, and the rep told me all I could do was wait a few days and watch my XXXX  bank account to see if the money would come back without any other form of notification. It is now XX/XX/2024 and Ive heard nothing from bank of Hawaii about if my account will be reopened or where my {$500.00} went.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (NC)

There have been XXXX money orders that had been placed in XXXX of XXXX. Each order is {$1500.00} making the total amount lost amount of {$4500.00}. The date of availability was XX/XX/XXXX but the recipient wasn't able to collect the money due to the company going out of business. We called the company Sigue Corporation for a refund of the amount that was sent but the check never got to me or the other individuals that placed orders. It's been months that had past since the request was made for the refund was placed.
Consumer complaint received 2024-07-12
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. (TX)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - A FISRT NAME BASIS Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged DEPT OF ED/XXXX  - XXXX XXXX XXXX  XXXX XXXX - XXXX DEPT OF ED/XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-09
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (MN)

Hi there, Old track ID XXXX New track ID XXXX I received the letter from social security. they said they can't help me anymore to get the money from Direct Express Bank ( you are the people who is holding money ). Because you don't want to release XXXX XXXX money that had been sat in there since my husband passed away XX/XX/year>. I also sent you the letter to request the money early XXXX so far, I didn't hear anything back. If I don't receive any e-mail back from you or the money. I'll contact a lawyer. So, we can go to court, it has been almost XXXX years. The remine balance is {$2000.00} and a Bal {$300.00} - so, the total is {$2300.00} XXXX XXXX, XXXX/XXXX/XXXX
Consumer complaint received 2024-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Account frozen since XX/XX/XXXX I have inputted a check to my savings account from my work and received fraud alert from Citi bank. They have since closed my account without my knowledge due to check. I have inputted direct deposit with my work before and had no issues. XX/XX/XXXX They have taken {$2500.00} and stated that they can not give me a reason for account closure when the check already cleared. They are still closing my account and stated that I will not be able to get a check until 60 days. I am not able to wait that long for payment that is mine.
Consumer complaint received 2024-07-09
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (MD)

Went to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and used card at the pump. They took a {$75.00} hold. Several weeks have gone by and I have not received my funds back from that purchase. I contacted the card company XXXX times, the third time on XX/XX/XXXX I was told that the issue was escalated, but when I requested a condo number, I was told that it was internal, and it would take XXXX hrs for the funds to be back into the account. It is closing in at XXXX weeks and I stilll have not received my money back, and am being left on hold with card company.
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCI Credit Services, Inc. (MT)

On XX/XX/XXXX I got a letter stating that DCI collection service was going to garnish me wages for a debt owed by my ex husband that's also a debt he got XXXX in his bankruptcy. And on another note this debt was from 2014 that is also a Statue of limitation.I do not owe this debt and I don't feel like it's my responsibility to pay it if it's already been taken care of and we are divorced
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

CUSTOMERS MUST HAVE ACCURATE CREDIT INFO THIS INCLUDES 3RD PARTY SITES THAT USE THE CREDIT INFORMATION. XXXX XXXX HAS MY CREDIT CARD AGE AS XXXX YEARS. MY CORRECT AGE IS XXXX  YEARS ( XXXX HAS THE CORRECT REPORTING ). CONTACTED XXXX XXXX AND THEY STATED THAT THEY GET THE ACCURATE INFO FROM TRANSUNION AND THERE IS NOTHING THAT CAN BE DONE BY THEM, I MUST DISPUTE THE INFO FROM THEM SINCE IT IS THERE REPORT. I CONTACTED TRANSUNION AND THEY STATED AND CONFIRMED WHAT I WAS STATING AS CORRECT CREDIT AGE. THEY STATED THAT WHAT THEY ARE SAYING WOULD BE REFLECTED ON THE HARD COPY OF THE REPORT. WHEN THE 3RD PARTY COMPANY GETS THE INFO IT IS DEPENDENT THAT IS CORRECT FOR INFO TO BE REPORTED CORRECTLY. XXXX XXXX STATES THEY HAVE CORRECT INFO, TRANSUNION STATES THE CORRECT INFO AND APP IS WRONG. EACH IS PASSING IT OFF ON EACH OTHER. THERE MUST BE ACTION TO ENSURE THESE CREDIT MONITORING APPS ARE DOING CORRECT ACTION. I WANT MY INFO CORRECTED ON XXXX XXXX AND ALL APP.
Consumer complaint received 2024-07-09
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: JPMORGAN CHASE & CO. (OR)

The negative rating on my account is a major source of concern. Its potential impact on my credit is deeply troubling. This issue has already led to a loan application being rejected and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until resolved.