davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NC)

There was fraud on my account and the company is investigating it but said could take up to 3 months. Because of the fraud the company locked my account which is fine but I moved and changed my address, phone, and phone number and they are not allowing me back into my account to see the account status. They won't update my number or address in the system and said they will mail a letter to my old address and won't do anything about it. I went in person to prove my identity with my lease and license and they won't do anything. I had fraud regarding XXXX XXXX and XXXX and they gave me provisional credit which I still don't have access to for 3 months.
Consumer complaint received 2023-09-08
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TX)

This account was opened through fraud. 
Company : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Amount : {$1700.00} I contacted this company as this account was opened fraudulently in XX/XX/2023. I did not authorize this account to be opened or the purchases made. I am not even sure what was purchased from this company.
Consumer complaint received 2024-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALPHA MIDCO INC (TN)

recently checked my credit report it is showing XXXXXXXX XXXX XXXXXXXX has an open account with a balance of XXXX not only is medical not supposed to be reports. im confused as to who and why its on my account ive never been or received treatment through any facility there associated with. under fair credit reporting act using 15 u.s.c 1681
Consumer complaint received 2018-10-19
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. (AZ)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX  XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2022-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX ACCT # XXXX Amount : {$2200.00} Date Opened : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-11-26
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: CITIBANK, N.A. (MI)

I have been overcharged for a hotel stay and have two companies ( XXXX XXXX and XXXX XXXX ) pointing the finger as to who has overcharged me. As both merchants charged my Citi card, I have filed disputes with Citi. However, I only receive form letters back from Citi indicating they have found in the merchant 's favor because the amount billed appears to match the invoiced amount. This is a more complex and nuanced issue than a typical dispute and I can not get ahold of anyone at Citi that can sufficiently discuss the situation with me. Citi reps have instead told me to send in appeal letters to update the reason for appeal, etc. I initially sent dispute documentation on XX/XX/XXXXXXXX  and sent additional documentation on XXXX, XXXX, and XXXX. However, I keep getting the same type of form letters back from Citi with no indication that anyone has reviewed the nuance and details of this situation. The form letters indicate I'm only claiming there is a discrepancy in the amount charged versus the amount invoiced, which is not at all correct. 

In summary : I relied on misinformation from a merchant, XXXX XXXX, when booking a pre-paid hotel stay at the XXXX XXXX. With this misinformation, I canceled an XXXX {$2800.00} order and rebooked on XXXX in the amount of {$3200.00} for the same exact hotel room and dates of service after a rep confirmed the higher cost avoided being charged fees by the hotel directly. 

At check in, I provided my Citi card to the XXXX XXXX so a hold could be placed for any incidentals. There was no mention of any resort fees, tax charges, or anything other than a temporary hold. Upon check out, I received a bill for {$320.00} and my Citi card was charged on XX/XX/XXXX for a daily Service Fee, Service Fee Taxes, Service Fee City Tax. XXXX XXXX  own Terms of Sale state : With respect to hotel products, the rates offered on this Website are rates for pre-paid reservations. Your credit card will be charged the full amount immediately and the total price includes all tax charges and service fees. This amount was to be included in the payment to XXXX XXXX. 

I have tried disputing ( and appealing ) the XXXX XXXXXXXX XXXX charge as one XXXX  XXXX  rep indicated I should not have been charged the {$320.00} as it was paid to them. However, Citi found in the merchant 's favor. I have tried disputing ( and appealing ) a partial amount of the XXXX XXXX for the {$320.00} that their own terms state were to be handled by them. However, Citi found in their favor as well. 

If Citi is fully investigating, I fail to see how they could find in favor of both merchants. I have certainly been overcharged by at least one of them.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (TX)

Previously I submitted documentation disputing the {$730.00} charge from XXXX XXXX   XXXX # XXXX on XX/XX/18. I originally submitted the dispute on XX/XX/18, then again with more information on XX/XX/18 and again on XX/XX/18. The charge was disputed as I had returned the purchased merchandise but not received a credit from the merchant. I provided all the relevant information including my call log with the merchant and original billing statement. Chase either neglected to acknowledge the dispute or the acknowledgment sent did not have any information identifying this charge. The same is true for Chase 's written request for further information. 
Despite not providing any information identifying the charge in either the acknowledgment of dispute or request for further information on XX/XX/18 Chase sent a letter stating I had failed to provide information on the dispute. I'm attaching all disputes filed as well as evidence the information was received. Thus Chase failed to comply with 15 United States Code 1666 Correction of billing errors statute.
Consumer complaint received 2023-07-09
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. (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. 
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 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 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 602A STATES I HAVE A RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES NO CONSUMER REPORTING AGENCY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 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 2023-10-07
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. (TX)

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. 

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 inructions 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 2023-05-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MECHANICS BANK (CA)

A fiduciary account was closed with Mechanics Bank. A request for bank statements was requested but not provided when requested. At one branch location a request for a court order was required before bank statements. At another branch location the employee was unable to locate the account in banks computer. No record of a closed or a previously opened account was found. A request was sent by the employee to the research department with no record found of the account. The customer service center advised that statements can be requested with in the branch for a {$5.00} per statements. This is a violation of consumer rights for bank statements to be provided for customer own records. A complaint will be filed with the FDIC.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MI)

Background & situation : I have an Apple Card that is issued by Goldman Sachs. I received the card in XXXX XXXX  with a {$1500.00} credit limit. I had some financial emergencies in the fall of this year, fell behind on some payments ( not with my Apple Card ) and took out a loan from my XXXX to catch up. My bank told me the check would clear by XX/XX/XXXX but they decided to hold it longer because it was a large check ( I had to call the bank to correct ). I had made a payment to my Apple Card on XXXX but it was declined by my bank. I then made a payment on XX/XX/XXXX and called Goldman Sachs to tell them what happened. Because this payment was declined and other creditors reported that I had late payments, my credit limit was downgraded to {$800.00} on XXXX I did not know that this downgrade was happening and made payments totaling {$1400.00} on XXXX XXXX  and XXXX. 

Situation : I paid {$1400.00} and I spent {$600.00} by XXXX On XX/XX/XXXX they downgraded my credit limit from {$1500.00} to {$800.00}. Now they're saying that my only available credit is {$190.00}. However there's {$680.00} that is unaccounted for and Goldman Sachs is saying that they do not owe me the money. The customer service agent didn't understand the issue and didn't take the time to understand it. So we didn't get anywhere through both phone and text support. I'm at a loss and don't know how to get my money. 

SUMMARY OF NUMBERS CITED : Balance on XX/XX/XXXX : {$1400.00} XXXX payments : {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$880.00} on XX/XX/XXXX TOTAL PAID FOR XXXX : {$1400.00}
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

For the past few years I have been receiving notices from the company " Jefferson Capital Systems '' for an extraordinary debt. I requested verification of debt and received no response. I immediately went to the XXXX credit bureaus where I disputed and had the debt expunged from my reports. 

Last month I received another piece of mail stating that while they were not suing me that this supposed debt had been marked for attorney review. I find this extremely concerning and I am hesitant at this point to communicate further with them. 

My credit disputes were were successful on XX/XX/23. 

I was provided with the following Report number : XXXX Investigation ID : XXXX Any help in having this fully removed from my credit history and removed from my name and social security number would be very helpful.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filled disputes with the credit agencies via the CPFB web site, each agency, the date of submission and the CPFB case number is listed below XXXX XXXX XXXXXXXX XXXX XXXX However XXXX the credit bureaus said they completed my investigation and everything was 100 % accurate for majority of the items that I disputed. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation? 
Did they only communicate with the companies listed on my credit report to verify information? 
Which one of my neighbors, friends or associates did they have a personal interview with? 

In the complaint I sent, the below accounts on my credit report were being disputed. 
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 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act, Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. ()

Greetings, Chase has closed my account due to the overdraft fees. The issue is I can't open a new account immediately and there is a due balance on my credit card that I can only pay via a bank account.
Consumer complaint received 2023-10-07
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. (TN)

I am a victim of identity theft. I filed a FTC report and police report in accordance with the FCRA and submitted disputes. The paperwork was not filed correctly and the disputes were not submitted correctly. And I have not gotten copies of the verification process
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2023 I received a letter from my mortgage lender ( National Mortgage LLC Mr Cooper ) asking me to shop for another home insurance compony until XX/XX/2023 ( when my policy expires ) due to its " low rating. '' I called them the next day without resolution. 
The letter reads " National Mortgage LLC routinely verifies the financial size and rating of insurance companies. Our resources book, the nationally published XXXX XXXX XXXX XXXX XXXX indicates the strength of insurance companies. A company B or better provides the coverage and protection our investors require. Your policy does not meet our acceptable coverage standards. Please contact your agent and provide us with new policy to avoid placement of temporary coverage on your property. '' I am a humble homeowner for XXXX plus years and have been with a number of mortgage lenders before and this was the first time I have heard of this. I am with same home insurance company for years ( XXXX XXXX with my auto insurance to get discount ) and never lapsed on payments. I live in California and some homeowners here are being dropped by other big insurance companies as we speak due to California being a fire hazard. Hoping for resolution on your behalf. Know that your help will be greatly appreciated!
Consumer complaint received 2023-05-11
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)

I'm making this complaint so that the credit bureau is AGAIN made aware that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit agency could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (OH)

BMO and Bank of the West merged recently. I was a Bank of the West customer. I went to make a transfer from my now BMO account my XXXX XXXX XXXX. I have verified the deposits from BMO to my XXXX account and put in for a transfer now that I was able to link the external account. My account was put on hold and I was not told why. I called and thought I had the problem fixed, I got an email confirmation that the transfer was under way. Shortly there after I got 4 emails. The first one said that my XXXX account was locked and I would not be able to use it from BMO. I already use it with a different bank so I could not use it any way. The second was that my transfer had been cancelled now. The third was that my verified XXXX external account had been suspended. The fourth was that my account had been suspended and I would not be able to transfer money. 

My complaint is that when I was with Bank of the West, I could transfer money, write checks, and spend my money. Now they have locked my account since the merger with BMO. BMO now states that I can not handle this matter over the phone and that they will need me to go in person to one of their branches. I live a XXXX  round trip away from a branch and XXXX mile so this is unacceptable. Before I tried to resolve this over the phone I would have been able to write a check or transfer money for rent, but now I can not. I am wishing that I can get my money back and be able to transfer the money for I can close my account with them.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.