davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (CO)

In accordance with the fair credit reporting act, XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish am account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-06
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Received an " automated '' text message from Portfolio Recovery Associates on XX/XX/XXXX regarding a debt that they purchased through someone else. I unsubscribed to receive messages/telephone calls from said debt collector. I then received a phone call from them on XX/XX/XXXX at XXXXXXXX XXXX and again XX/XX/XXXX at XXXXXXXX XXXX. I rejected both calls as I had already unsubscribed from receiving calls/text messages from the debt collector. Then on XX/XX/XXXX, I received another " automated '' text message from Portfolio Recovery Associates, to which I attempted to unsubscribe once again.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items 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 XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (CT)

The Nordstrom Card, continually turns down charges at the register and then says we are investigating for fraud. 

My wifes and my card has been on hold for week despite the previous statement being paid in full, 4 direct conversations with the company ( wasting nearly 5 hours of my work hours, 3 calls to request our card be re-activated. I am stuck on hold for 40 minutes waiting for a supervisor. They have no reason to suspect fraud on any of our local purchases that have been verified by us as valid. We do not have this problem with our other cards.

Overall, it is not fair or reasonable that a card company can charge late fees when one is one second late for not meeting the conditions of the contract ( and also charge 28 % or more interest ). However, when the card company fails to live up to the contract and help facilitate transactions when all conditions have been met by the consumer, the card company should pay a fee to the consumer and also be charged for the consumers lost time at work having to sit on the phone to rectify the situation. 

The current framework is far too asymmetrical in favor of card companies and they should be fined and consumers compensated for failure to meet the conditions of their contract. 

I would appreciate if the CFPB would review Nordstroms practices as I feel they are violating not only regulatory requirements, lack available supervisors, and are not treating my family and other consumers properly and fairly!!!!
Consumer complaint received 2024-02-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TJC Mortgage, Inc. (TX)

XXXX XXXX XXXX continues to attempt to collect an alleged from me not owed. There are sever inconsistencies with this alleged transaction and XXXX XXXX XXXX has failed to prove what I stated from being true. First XXXX XXXX XXXX was transferred this loan from XXXX who was transferred the loan from XXXX Mortgage XXXX. Neither XXXX nor XXXX XXXX XXXX have the ORIGINAL promissory note. By banking law the term servicer means to hold the loan. 

See 12 U.S. Code 2605 By XXXX XXXX XXXX very words it states What type of mortgage company is XXXX XXXX? 
XXXX XXXX is primarily a mortgage servicer Furthermore the note is being securitized and currently worth over a XXXX dollars to their investors according to the report I pulled when I traced the account on the stock market. XXXX XXXX XXXX is listed on the XXXX XXXX XXXX XXXX as COOP. 

Since this note acts as the security which is being used as collateral for the loan I am entitled to the equitable interest from these profits or this would be securities fraud as the note is mine and the federal reserve act specifically states banks are barred from using anything other than notes, drafts, bills and other negotiable instruments for collateral. 

XXXX XXXX XXXX is also responsible for paying taxes and paying me the principal and interest per the IRS publication which further proves tax evasion as this account has not been reported accurately. 

None of the companies have produced any evidence to contradict this statement but used harassing methods and threats to seize my private property.
Consumer complaint received 2024-02-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Purchased a {$200.00} virtual Mastercard debit gift card. I connected this to my XXXX XXXX and was able to make one {$40.00} purchase. Since the initial transaction of {$40.00} I have been unable to use the card for any transactions suddenly its denied or states invalid card number even when I enter it on key pad for the companys XXXX number. Ive contacted customer service and was told my cards fine and ready to use. I explained the situation asked for help fixing the issue with no resolution. I requested them to simply issue a replacement card via Email and was told they do not issue replacement cards. Not sure why its so difficult for them to give me access to my remaining {$160.00} but it seems theyre unable to be of much assistance I spent an hour on hold 3 separate times to be transferred and still have gotten no where its as if they are aware of the issue and trying to steal from customers.
Consumer complaint received 2024-01-19
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. (FL)

I sent a letter to all 3 major bureaus demanding that they remove any, and all late payments on my credit report. All 3 agencies received their separate letter on or before XX/XX/2023, 30 days from today. I checked my most recent credit report, and the payments still have not been removed. Per 15 US 1618b - Permissible Purpose of Consumer Report. The law states that ( 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.
Consumer complaint received 2024-01-26
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. 

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 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (IN)

A loan was taken out from this company in the amount of {$1400.00}, however, this was before it was brought to my attention that Loan at Last is operating illegally as a " tribal lender '' who is not a licensed payday lender in my state, Indiana, which they were aware of when the funds were dispersed. 
This company is operating under the 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 
They are charging usury amount of interest according to my state 's laws, which prevail over other states as it is a requirement to be a licensed lender in the states one would be lending money. Due to the illegality of this company, my contract is null and void. 
I have revoked any and all ach authorization once this was brought to my attention and have offered a payment plan for principal only, although I am not legally required to do so.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MD)

On XX/XX/XXXX, I rented a car in XXXX XXXX from XXXX XXXX XXXX. The automobile that I rented was stolen and after much prodding was given another vehicle. I paid all the fees for both the rental car that was stolen and the substitute car. According to the credit card company, because the rental car company will not provide the documentation, I can not receive the benefit. The rental car company insists that I owe them money, which I do not. I have a reconciled statement from a CPA indicating that, in fact, the rental car company owes me money. The rental car company refuses to cooperate and has threatened to take me to court. 

I have spoken with the credit card company on several occasions and despite all the documentation I have provided, they still refuse to move on the claim. They have the XXXX Insurance Claim that the damages were paid, photos of the damage, the paperwork that shows the stolen car and key to the car was returned. 

The amount of the benefit due me is {$800.00}.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (NJ)

On XXXX I canceled the use of my card which I had for XXXX years. They charged an annual fee and I asked them to remove the charge. They did not and charged me {$39.00}, Then I wrote them a letter stating I had canceled the card. They sent me a blank piece of paper back and charged me again. They reported this to credit bureau. this lowered my score by XXXX points! I called at least three times and could not get through to anyone to help me. I then contacted the three credit bureaus to file a dispute on XX/XX/24
Consumer complaint received 2023-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Online, on or about XX/XX/XXXX I attempted to transfer XXXX from my checking account at Citizen 's Bank to my son 's back account at XXXXXXXX XXXX I entered all of the requested information and when I clicked on the " submit '' button, I rec 'd an online error message stating that the transaction was denied and that I should contact the bank. I called the XXXX number for the bank and I was told by customer service that the transfer did not and could not go through because my name was not on my son 's account at XXXX. I believed what the customer rep had told me and that the XXXX could not be transferred from Citizen 's Bank to XXXX. I then made other arrangements ( not involving Citizens Bank ) to get XXXX to my son. A couple of weeks later I checked my account online and I saw that XXXX was in fact deducted from my checking account and transferred to my son 's account at XXXX. I called the customer service department at Citizen 's Bank and they confirmed the transfer. The rep informed me that I could file a claim and that I would receive a response in the mail. A few days later I rec 'd a letter from Citizen 's Bank stating that " the claim was closed as per customer 's request ''. I called the bank and filed and filed the same claim and a few days later I rec 'd yet another letter stating that " the claim had been closed due to customer 's request ''. I filed the same claim again shortly thereafter and I did not receive any response. I called the bank on XX/XX/XXXX and filed the same claim again. I have not rec 'd a response from Citizens yet. I would like to get refunded the XXXX that was transferred to XXXX XXXX  without my knowledge and without my permission. Thank you.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Throughout my many years of being a consumer with Bank of America, my checking account was charged extended overdraft fees on numerous occasions. Whenever incidents occurred, I called to complain. Some fees were partially refunded but, many were not. This caused me great hardship. I'm now learning that the bank 's practices were illegal to begin with. I'm currently going through my past bank statements. I see many occurrences and I'm just on years XXXX and XXXX. My overdraft fees doubled from {$35.00} to {$70.00} on numerous occasions.
Consumer complaint received 2024-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (PA)

I spoke to a representative 3 weeks back and was told that I owed XXXX because the insurance took the payment back. I did reach out to XXXX XXXX and was told there was an error and that they will reprocess it and that XXXX XXXX will have it. I spoke with them as well 3 weeks ago and the eta they gave me was 7-10 business days.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a {$9500.00} check on XX/XX/23 at XXXX : XXXX XXXX. No one at the branch informed me that the check would be placed on hold. Indeed the teller advised that the fund would be available by midnight. Then I got an email from the Bof A that they are placing the check on hold until XX/XX/XXXX. I contacted the bank, and XXXX XXXX XXXX XXXX said that he saw the deposit was made at around XXXX XXXX, and that's why the system placed it on hold. I discussed the matter with supervisor XXXX ( XXXX ), who referred to an agreement. I was making large deposits previously from the same company and never had an issue like this one. 
I have bills to pay, and now I am stuck with no funds, and the bankers don't care besides saying sorry and advising me to use funds from my other bank accounts. 

This is unacceptable.
Consumer complaint received 2023-11-14
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was reviewing my credit report the other day and was thrown into a XXXX XXXX when saw the number of inaccuracies being reported on my credit. These errors are affecting my life far too much all because the baseless and unauthenticated items and information that is being reported on my credit report without any proof. I need this information investigated and these errors corrected.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The other day I was looking at my credit report and was shocked to find a number of errors being incorrectly and verifiably reported on my credit. This lack of diligence by the bureaus is incredibly wrong and frustrating and is causing a lot of stress in my day to day life due to the bureaus reporting misinformation without verifying it and without getting my authorization to do so.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NM)

On XXXX XXXXXXXX I opened a checking account with Truist Bank using their {$400.00} bonus promotion. I sent an opening deposit of {$50.00} to the account. On XXXX XXXX my online access to the account was removed as I was instructed to call their fraud department. On XXXX XXXX, I called their fraud department and was informed that my account was closed. When the reason for the closure was requested, I was told that they did not know and would have to wait for a letter in the mail. When asked when I could expect the opening deposit to be returned, I was told that there was no deposit made to the account.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please see FTC report attached to this complaint. Equifax and XXXX are both knowingly and continuously reporting fraudulent information on my credit report which is a violation of the Fair Credit Reporting Act. For whatever reason, they refuse to remove the collections I have already reported as fraudulent. The accounts in question are XXXX XXXX XXXX {$2200.00} opened XX/XX/2020 for both Equifax and XXXX and XXXX XXXX XXXX XXXX {$130.00} opened XX/XX/2020 for Equifax. Equifax has stated that they neglected to remove these fraudulent accounts simply because the account numbers were not present in the report. However, after including them in the report they are still refusing to remove said items from my account.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Recently I was looking into my credit and what I saw caused me severe panic. When I saw the false and baseless claims that were being reported on my credit report it sent me into a tailspin of panic and XXXX and has been really affecting my life in a negative way ever since. It is clear that the time and effort was not taken to ensure that the information being reported on my credit was absolutely and 100 % accurate and I need this corrected at once.
Consumer complaint received 2024-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am composing this urgent correspondence to implore the intervention of the Fair Debt Collection Practices Act ( FDCPA ) to halt the illicit foreclosure proceedings that are currently targeting my residence, which is presently in a state of pre-foreclosure. These proceedings have been relentlessly pursued by XXXX XXXX XXXX XXXX XXXX, headquartered in XXXX, Texas, and XXXX XXXX XXXX, based in XXXX, California. It is pertinent to note that the fraudulent Home Equity Line of Credit ( HELOC ) account, complete with fabricated and forged signatures and fingerprints, was initiated 19 years ago. 

I have lodged formal complaints with several authoritative bodies, including the Consumer Financial Protection Bureau, the Federal Trade Commission ( Account number : XXXX ), the California Attorney General 's Office ( Case number : XXXX XXXX ), and the XXXX XXXX XXXX XXXX Attorney 's Office ( Case number : XXXX ), in addition to corresponding with the California Secretary of State, XXXX XXXX XXXX XXXX Regrettably, my efforts have brought to light discrepancies, such as the discovery that a notary public had misrepresented her last name. Furthermore, I reported these egregious acts of fraud to the Federal Bureau of Investigation ( FBI ) on XX/XX/XXXX, and despite numerous interviews, the FBI has not pursued the matter, citing a statute of limitations related to the financial crimes committed nearly two decades ago. 

The financial toll resulting from this duplicitous conduct, which transpired in XX/XX/XXXX and XX/XX/XXXX, amounts to a staggering {$180000.00}. Moreover, the perpetrators made regular interest payments for 27 months to conceal their actions. To compound matters, the fraudulent HELOC account was sold to a debt collector by Bank of America in XXXX, leaving my wife and I ensnared in a web of deceit and accruing interest. 

In light of these distressing circumstances, I urgently implore your immediate intervention to engage the debt collector, XXXX XXXX, to halt the impending foreclosure proceedings scheduled for XX/XX/XXXX. 

Sincerely, XXXX XXXX and XXXX XXXX Homeowners of XXXX XXXX XXXX, XXXX, CA XXXX