davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

Complaint against TD Bank XX/XX/year> I received call from bank about Fraud for XXXX, I denied the purchase. 

The next day the amount was charge to my account. 

The fraud complaint XXXX was filed on XX/XX/XXXX, and denied on XX/XX/year> I opened another complaint XXXX on XX/XX/year>, this time asking for the evidence that was provided against the claim. 

On XX/XX/XXXX I was denied again leading to the most recent claim XXXX I spoke with XXXX, XXXX, and XXXX. Unfortunately I do not have the name of the gentleman I spoke with on the XXXX however all phone calls should have been recorded. 

I removed all my funds from the bank to another bank leaving XXXX in the account until the claim was resolved. However now I am being charged with XXXX $ maintenance fees every time the claim is denied due to the banks policy. 

This extortive process is demeaning and disheartening as I have banked with TD for 8 years with no issue until now. 

After reviewing the evidence the bank provided it is clear there is not only a level of incompetence that is allowed but encouraged, as the people I spoke to clearly were not all on the same page of how this process was being handled.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is an invalid information from Portfolio Recovery Associates , LLC ( PRA, LLC ) which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from PRA LLC. I hereby request that PRA, LLC remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If PRA, LLC fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect PRA, LLC to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that PRA, LLC will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

On XX/XX/24 I was looking at my transactions with capital one and seen a large amount of transactions ranging from XXXX XXXX  {$500.00} over the last XXXXXXXX days. I immediately called capital one to report it and start a dispute thinking it would be simple and they would do a XXXX  from the merchants that I did not authorize transactions or purchases from. 

On XX/XX/24 I received an email saying that my dispute has been resolved and it was denied : We finished researching your dispute, and following a review of all relevant bank  records your claim has been denied for the following reasons : Due to electronic activity or login history. 

I requested the evidence and have been told it will take XXXX  days so I asked if there is a number to talk to that department directly and was simply told no there isnt. 

If I did not authorize the transaction then this should be a simple dispute. 

None of the transactions that were being disputed were authorized regardless if I logged into capital one at any point. 

I attempted to appeal the decision but I was told I needed to submit evidence for them to be able to re open the case. I explained that I dont have any evidence other than my bank XXXX  because they were all unauthorized. 

This has left me in shambles and I had previously thought that capital one was a company that was fair and protected their customers from this stuff.
Consumer complaint received 2023-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital 1 reported a late payment in XX/XX/2020, I've never been late on this account before or since they reported this. 

Acct number XXXX
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (IL)

I lost my job due to XXXX. My credit scores went way down and I applied and got approved for a forbearance thru my lender ( Rocket Mortgage ). I made the scheduled trial payments during the workout plan and actually sold the house on XX/XX/XXXXat which time the loan and all fees were paid in full. Rocket erroneously reported my account as delinquent on XXXX even though I was in an approved forbearance workout plan and they showed a past due balance of over $ XXXX, which was the amount deferred under the forbearance. They marked me as missing XXXX and XXXX payments when for XXXX nothing was due and XXXX was paid. They refuse to remove the derogatory and delinquent remarks even though I was current and have paid the loan in full. They told me I have to waitXX/XX/XXXX years for it to come off. I can not get approved for any loan from any lender due to my credit score dropping to XXXX the day they reported my account as delinquent. I'm aXX/XX/XXXX working full time and we have to rent a small apartment that is more expensive than my mortgage was because I can't get approved for a loan from what Rocket Mortgage did. I paid them in full, they need to make things right for me and for my family.
Consumer complaint received 2024-04-12
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. (MI)

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. 
XXXX : # 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 DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNETXXXX DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # XXXX, DEPTEDNELNET # 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.

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Il 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. 16813-2 ( 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 2024-01-24
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: EQUIFAX, INC. (GA)

Please See Attached Documents for additional information that was requested by the Credit

Reporting Agency. Enclosed Documents -Determination/Certification Letter -Trafficking In Persons Letter/Adverse Items -Passport ID -Federal ID -Bank Statement Credit Reporting Agency requested additional information to process block due to documents not being legible, 11 days after the 5 day deadline requirement, violating the regulation implemented for the Act. The Credit Reporting Agency have not implemented the proper procedures required by the regulation, giving victims the option to submit documentation online causing me the consumer no other option but to submit additional documentation through the CFPB, due to not having a stable address at the moment caused by this situation! Equifax also violated the law and submitted my trafficking documents to the credit furnisher which disagreed and said information was accurate when the credit furnisher never had any right to be disclosed my trafficking documents.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

My account was fraudulent used when last active. I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
Consumer complaint received 2024-05-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (CA)

I am writing to formally address an issue concerning my loan account. An interest charge of {$3900.00} was applied to my account on XX/XX/year>. This charge is unwarranted and requires immediate rectification. To provide context, I ensured that the complete balance for my loan was paid in full before the end of the promotional period, which concluded on XX/XX/year>. However, these payments were not applied to my account until after the promotional period had ended. This delay in applying my payments resulted in the {$3900.00} interest charge. I made the payments on time and Mosaic stalled in posting the payments. Mosaic had full control over when they posted the payments to my account- and there was clearly a delay that was financially advantageous to Mosaic to the amount of 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 contacted Mosaic via their email contact feature on XX/XX/XXXX to inquire about the receipt of my payments. Mosaic sent me a generic response regarding how payments can be made and avoided the question regarding the acceptance of my actual payments. 

I contacted Mosaic via their email contact feature on XX/XX/XXXX to inquire about my payments once again. On this occasion, I also asked for the promotional interest fees that were applied to my account on XX/XX/XXXX, to be removed. In this instance, they responded via email Unfortunately, we will not be waving the accrued interest, please keep in mind that the arrival of the payments it is something that we can not control as this are subjected to USPS mailing times. 

On XX/XX/XXXX, I contacted Mosaic via phone. The Mosaic representative would not confirm when the payments were received, only when Mosaic posted the payment into the account. The Mosaic representative said that the interest fees would not be removed from my account. 

I contacted Mosaic via their email contact feature on XX/XX/XXXX to inquire why one of my payments had not posted to my account yet. They responded via email 3 days later. They said {$12000.00} was already reflected in my account and today or tomorrow, your payment will be processed. 

Mosaic failed to post these payments in a timely manner, to their benefit. I am attaching copies of my contract and payment receipts and records as evidence that all payments were made prior to the deadline. I trust that upon review of this documentation, you will agree that the interest charge is unjust and should be reversed. With this {$3900.00} interest charge removal, I also expect closure of my loan account since I paid the full amount of my loan prior to XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC. (AR)

My XXXX XXXX vehicle was repossessed by a unknown towing company. 

15 USC 6802 Financial institution may not disclose non public personal information to a non affiliated 3rd party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.
Consumer complaint received 2024-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MO)

On XX/XX/XXXX, I reviewed my county 's real estate tax website to determine whether my taxes had been paid. They are due XX/XX/XXXX. They had not been paid, so I checked my mortgage online portal and I paid the taxes in the amount of {$3800.00} to avoid a late fee of close to {$500.00}. The portal showed taxes had been paid to a tax parcel that was not mine in the amount of {$65.00} on XX/XX/XXXX. I contacted NewRez the next business day via phone, which was XX/XX/XXXX. I requested I was advised on this phone call to submit an inquiry with via the mortgage portal and attach the tax bill I received along with my paid receipt. I did not hear back, so I contacted NewRez via phone again on XX/XX/XXXX. I spoke with someone in the tax department that advised me to send the tax bill and paid receipt to an email address. I was also advised they would correct the parcel number associated with my mortgage and I would be sent the money I paid out of pocket for taxes from my escrow account once the issue was reviewed, but it would take until the end of the month. I received an email from NewRez on XX/XX/XXXX. It was a poorly written email and difficult to understand, but I am going to relay what I understood from the communication. Per the email, the {$65.00} paid from my escrow account to a real estate parcel that is not owned by me or my spouse, would be non-refundable. They were able to update my parcel and it looks to be correct in my mortgage portal. The last part of the email covered my request to be reimbursed from escrow, the tax amount that I paid and that should have been paid by them. It stated they would not update any information concerning the tax bill since I chose to pay the bill out of pocket. I did not choose to pay it out of pocket -- NewRez messed up and I was forced to pay it to avoid a late fee. They advised a new escrow analysis would be performed XX/XX/XXXX. I didn't like the wording of the communication, but I assumed they would complete the analysis, find there was an overage ( due to them not paying the taxes ), and return the amount to me. By the beginning of XXXX, I had determined they would not be performing an escrow analysis based on my escrow balance being close to {$6000.00} in the mortgage portal and I made another call to them on XX/XX/XXXX. After being transferred from customer service, then the tax department, and then back to customer service. I spoke with a wonderful associate who filed for my money to be returned. She requested I send the tax bill and paid receipt in again ( for the third time ), which I did. As of today, I have yet to receive a communication from NewRez pertaining to my request to have my money returned and I have no idea if I'll ever see the {$65.00} they paid to the county again.
Consumer complaint received 2024-02-17
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CO)

I started using a netspend card to use the virtual numbers for a motel i stayed at for a day. They charged my account almost XXXX. When i spoke to netspend we figured I was overcharged by XXXX something of that sort. I am not sure about the actual amount. They closed my account and I was no longer able to get access into my account to go over any statements or any accuracy of my total spending on that account. They supposed send a check of XXXX and that was never received. I tried contacting them over and over, I was able to receive a check of XXXX from another account that had been used. Every time i call or try to email them. I get the run around from their agents and get hung up on and start the process again. I have been targeted and they have been using a XXXX type of harassment, this type of harassment typically they target you by using technology, and stopping every way for you to access family friends money any means to get help and basically overcome this type of extreme and severe harassment.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (TX)

These people claim to be with Harris and Harris, and keep calling my new line even though I have repeatedly told them to stop, as I am not the person they're trying to bilk. They told me that they would remove my number from their system, but still I get multiple calls from them every week. They make a robocall from XXXX ( XXXX ) XXXX, asking me to call them back at XXXX ( XXXX ) XXXX. I have called both numbers to get them to stop, and they refuse to do so. They have hung up on me a number of times.
Consumer complaint received 2024-05-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (NV)

I HAD MY HOUSE SOLD TO A MARRIED COUPLE WHO QUALIFIED TO BUY MY HOUSE IN XXXX XXXX, NEVADA. THINGS WERE GOING SMOOTH UNTIL MY BUYER TRIED TO QUALIFY TO ASSUME THE SOLAR PANEL LOAN. NEVADA IS A COMMUNITY PROPERTY STATE BUT DIVIDEND FINANCE WOULD NOT ALLOW THEM TO USE BOTH THEIR INCOME. DIVIDEND FINANCE CLAIMED ONLY ONE PERSON CAN APPLY FOR THE TRANSFER AND CAN ONLY USE THEIR INCOME, COULD NOT INCLUDE SPOUSE 'S INCOME. WELL THIS KILLED THE SALE OF MY HOUSE AND IT IS BACK ON THE MARKET. WHEN I ASKED DIVIDEND FINANCE TO INFORM ME OF THE CRITERIA TO ASSUME TO LOAN TO PREVENT FURTHER FAILURE, THEY REFUSED TO TELL ME. 
FURTHERMORE THIS COMPANY IS CLAIMING MY TAX CREDIT OF ROUGHLY {$11000.00} DOLLARS FOR THEMSELVES AND I OWE THAT TO THEM IF I SELL MY HOUSE. I WAS USING THIS AS A TAX DEDUCTION FOR 2022, BUT DIVIDEND SAYS IT IS THEIRS AND IT IS IN THE CONTRACT IF I SELL THE HOUSE. YES IT IS IN THE CONTRACT. I ASKED THEM TO EXPLAIN WHY THIS MONEY IS THEIRS, ALL THEY REPEATED OVER AND OVER WAS, 'IT IS IN THE CONTRACT '. I WANTED SOME SORT OF EXPLANATION BUT AGAIN WAS REFUSED. 

THIS IS IN REFERENCE TO A COMPANY CALLED DIVIDEND FINANCE PHONE XXXX XXXX XXXX ASK FOR SOLAR LOAN TRANSFER XXXX WAS THE PERSON WHO COULD NOT HELP ME I CAN'T AFFORD FOR THE SALE OF MY HOME TO FALL THROUGH AGAIN BECAUSE OF THIS COMPANY. I NEED TO KNOW WHAT THEIR CRITERIA IS TO ASSUME THE LOAN WHICH THEY REFUSE TO GIVE ME
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

I got a notification that a new account was opened on my credit report. I noticed this account from Jefferson Capital and immediately called. I stated that this account did not belong to me. I then went on to ask how did they place this account on my credit without reaching out to me prior? I was not notified prior to this account being placed on my credit, and therefore not given the time to respond or dispute this alleged account. I spoke to three people in this company all of which on a recorded line could not verify with dates that I received communications about this debt. Had I received the proper notification of this debt, I would've disputed with the proper documentation to show it is in deed identity theft. I have never had a XXXX  phone or XXXX  account, my phone is in my parents ' name, always has been.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (CA)

I have a direct deposit checking account with BMO BANK N.A. California but BMO 's online tech never works properly - requires resetting password anytime I log in, and BMO attempts to send texts to confirm ID but their texts never arrive, or text arrives hours later. as a result I am unable to access my funds. I set up an external transfer to my savings account at another bank and the accounts were confirmed verified and set up for transfer but BMO cancelled the transfer of funds to a verified account for which I am the sole owner.

BMO 's procedures are unreasonable and I have no problems satisfying security requirements with other financial institutions. BMO is not " protecting me '' from my money but instead seeking to insulate itself from any possible risk of potential liability- which results in the account holder 's inability to access her own funds I am now in the process of moving my direct deposit from BMO to XXXX XXXX but I am a state government employee so the change requires 30 days. once the direct deposit has changed I can close the BMO account. yet I still need access to my funds in the meantime thank you