davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma (OH)

Id like to express my extreme dissatisfaction with the recent unauthorized illegal activity on my Credit Karma Money account. On or approximately XX/XX/24, I discovered that {$2000.00} was transferred from my account to XXXX, in the name of XXXX XXXX in XXXX XXXX CA, on XX/XX/24 without my knowledges or authorization. 
This situation is particularly concerning due to the complete lack of notification I would have received from Credit Karma Money regarding this transfer. It is crucial for a financial institution to inform its customers about any activity affecting their accounts, especially potentially unauthorized transfers. 
I contacted Credit Karma Money customer service department on almost everyday in regards to this matter since I discovered this unauthorized transfer happened, and spoke with a representative who claimed that a notification email was sent to me on XX/XX/24 informing me of the transfer. However, I can assure you that I never received such an email. My settings on Credit Karma app indicate that all of my notifications are on for both SMS and email for any changes ; nevertheless I have never received such email or sms notification. 
Furthermore, when I requested to see a copy of the alleged notification email or any record of its delivery, the representative refused to provide any proof. This lack of transparency is deeply troubling and raises serious concerns about the security measures in place for Credit Karma Money accounts. 
Due to the absence of a notification, I was unable to take any action to prevent this unauthorized transfer. I am requesting that Credit Karma Money investigate this incident thoroughly, including the missing notification and the unauthorized activity itself. 
I also demand a full refund of the missing {$2000.00}. This unauthorized transfer resulted directly from a security lapse on the part of Credit Karma Money. 
I have attached copies of the documentation regarding this incident. 
I expect a prompt and comprehensive response to this matter.
Consumer complaint received 2021-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I apply for an unsecured credit card in XXXX. I was told to send a deposit for {$200.00} and I sent it, and in XXXX they sent me a credit card. They ask for Documentation as proof of resident so I sent a copy of my Driver 's License and a bank statement that is what they ask for. Then they said they need to do a third-party call to my bank. And they would not activate my card because my Bank does not do the third party. So they stated that I should close the account and they would send me my deposit. I did this to build my credit. This has been horrible and now it's XXXX and I still don't have my deposit. I wrote to the corporate office and no one respond to my letter. This bank is horrible. I am sure I am not the only one that has gone through this. Please help me, no one should ever have to go through this. They sent me statements for a card I can not use. 

XXXX XXXX
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Equifax is reporting a medical bill for {$57.00} Account XXXX XXXX with no Collection or Original Creditor Name with no address or phone number as to where to call about the collection charge. I can not confirm or deny this charge without contacting the company who is reporting it and therefore this Inaccuracy should be removed or updated correctly asap with the Complete Collection Company Account information. Equifax is the only one reporting this and it is hurting my credit rating. I have submitted two letters requesting validation and proof of method of verification to Equifax on this account on XX/XX/2021 and XX/XX/2021. I have attached the letters for your reference. I have also included a copy of my credit report that shows the collection listed.
Consumer complaint received 2023-11-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MI)

I recently set up an account with TD Bank Card Services to finance the purchase of a lawn mower and was provided a XXXX credit card with a 48 month interest free period through them. The account was applied for on XX/XX/23 and I received my first correspondence from TD Bank on XX/XX/23 at which point I promptly set up my online account and automatic payments. The first bill due date was XX/XX/23. 

I noticed that auto pay pays the bill on the due date and I reached out to TD Bank customer service expressing concerns about any potential glitches on their system whereby the ACH payment would not process thus making my bill late and was reassured by the representative at that time, in an almost laughing tone that I did not need to be concerned about that happening. 

On XX/XX/23, wanting to be clear as I was still unconvinced by this call, I made a payment of {$300.00} which was marked as posted and credited to my TD Bank account on XX/XX/23. I again reached out to customer service because while TD Bank was crediting me for the payment and marking it as posted no money had been pulled from my bank account and my bank had no record of incoming ACH transactions from TD Bank. The rep again reassured me that everything was fine and that it could take up to 4 business days ( it had been 5 at this point ) Wanting to make sure I was in the clear I made an additional payment of {$150.00} ( the minimum was {$140.00} ) on XX/XX/23, on top of that my auto pay was also credited so at this time TD Bank had credited me with XXXX payments on the account ( {$300.00}, {$150.00} and another {$150.00} ) none of which were pulled from my bank account. 

In all I have made about 10 phone calls and sent 3 messages to TD Bank about this matter and gotten know where. On XX/XX/23 the payment of {$300.00} was reapplied to the TD Bank account and I was assessed a return check fee of {$25.00}. The other 2 payments have not yet bounced back, but in talking to the rep on XX/XX/23 they verified with me that the account and routing numbers I provided matched that of the numbers on my XXXX XXXX  XXXX  and reps from XXXX XXXX  confirmed that the numbers on the checkbook are valid. Additionally I use those same numbers to pay XXXX other credit card company which process my payments with no issue. 

After the rep had confirmed the numbers for me, I logged into my XXXX XXXX  account got another XXXX  based routing number from my account and set up a new payment, this time for {$450.00}. After submitting that payment it again never posted and this time was never credited so I canceled the payment and submitted another payment of {$450.00} on XX/XX/23. 

I have made way more attempts at resolving this and given this way more effort that TD Bank and it almost feels like their payment issues and continued reassurances are intentional to disqualify me from the interest free promotion.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been having a whole lot of trouble communicating with the credit bureaus. I have no idea why. 

If I call, I get put on hold for what seems like forever- with the worst hold music, to boot. I think that they put terrible hold music on in hopes that people will simply hang up. If anyone ever answers, it's always a foreigner with a thick accent that is difficult to understand. I threw my voice out and injured my throat yelling last night on the phone with a TransUnion rep after she told me twice that I was being rude or mean to her when I literally was not. My spouse as my witness.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: STATE EMPLOYEES CREDIT UNION (NC)

The following amounts were charged on 3 separate days ( XXXX ) but XXXX waited until XX/XX/2023 to post the charges from lowest to highest by manipulation of the bank backend code, to hopefully cause the account holder to overdraft and be able to charge fees for each overdraw, but the total balance was XXXX which left XXXX, I checked the account on XX/XX/2023 and it was missing another XXXX. Leaving XXXX in the account. They are intentionally deducting money from accounts to induce overdrafts that can be charged, and if the " Deductions '' are in error account holders will dispute, and they reverse BUT the bank still gets to report the erroneous fees in " Income ''. 

See Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ______ XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AES/PHEAA (WI)

I am not able to contact this institution. 


" Cornerstone was originally contracted to service federal loans through XXXX, but it ended its contract in XX/XX/XXXX due to financial loss. Its website no longer exist, and all loans were transferred to FedLoan Servicing. '' - XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I am chosing to OPT OUT. But i am unable to contact this Loan Servicers 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I had many problems with my chequing acount, fraudulent charges. Where I had stated to the rep. Not to dis-activate my card. Because I will fix the situation with the merchant because I new the issue, but chase dis-activate the card anyway. So they send me a new card. Which was no delivery with the 2 to 3 days stated by the rep. many issue have where I had to call chase many times. Getting in contact with Chase and obtaining inf is a issue. Rep. not providing they complete name to use as a reference as needed many time. Specially rep from XXXX and the XXXX. They hang the phone on me, they put me on hold for long periods of time and they act unprofessional when I ask for they information, but they ask me all kind of personal information but they can't provided me with they name. And yes it had been many time where my frustrations level had made me act uncivil ( use XXXX language ). 
According to chase rep. it is protocol not to provided me with only they first name. Security purpose. But that is my money and my personal information and I can't received information of the person that is handling my money and my information. This situation happens very often.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I have contacted Equifax multiple times in regards to these inquiries that I need removed, I did not authorize these inquiries. There was an identity theft alert put on all 3 of the Bureaus, because of this issue months ago, and Equifax still has not removed them from their report. Because of this, I have been declined for funding I need to start my business. The last letter was dated XX/XX/XXXX, in which Equifax responded with these inquiries are factual and will remain on my file for 2 years. 

Confirmation # XXXX
Consumer complaint received 2023-11-21
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. (KS)

my information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts and hard and soft inquiries on my report as well as remove false personal information that has caused me so much harm since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged off i have also been sued for a payday loan from online in XXXX as far as i know i have at least 60 hard inquiries on my credit report i am unable to get loans or apts or a bank account i have to use prepaid cards for everything which has really affected my life i opened my own business tis year and i cant get a business loan to support my business i have suffered so much these past 4 years and i need this fixed please please help me get these things off my credit s \o i can have my life back
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

I was trying to get a house and realize I had damages on my report that I did not authorize according to the 15 U.S.C 1681 there should not be any damages on my report it is an deformation of my character
Consumer complaint received 2023-11-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX I. Contacted Navy Federal Credit Union to have my son 's social security funds released. The day before I called as well because the funds have been sitting in pending for a few days but was told to call back at XXXX the XXXX so they can be released. 
I called and the automated message mentioning to release the funds was not there and I wasn't able to release them through the app. When I called I was told by XXXX they can not release my funds because of me having a charge off account..nothing in their brochures mention that and I've never had this issue before. I can understand if it was my money but I don't even have my account with them anymore because of all the bank fees I was charged and them not doing the math correctly on a returned check. That is not my issue though. None of my past with the bank should affect my sons account. The brochure doesn't mention any of the reasons I wave given. I called multiple times and was told he wasn't him and he became upset so I became more involved. His age and my reported issues are not grounds to go against policy. It indicates that funds can be released one day early. The funds have been in pending on this account for well over a week so they have them. The release date is the XXXX and we're trying to get them a day early, like we have always been able to except for today.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear XXXX, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My complaint is against ford credit.

I feel ford credit doesn't really care about there customers. Nevertheless I feel that they use scare tactics, And looks to harass people who has nothing to do with loan. 

This year, my wife has been admitted into the hospital. Been in the hospital multiple times this year. With that being said, I had a loss income from her. Then medical bills for her. I was facing financial hardship. When I brought it up to the attention to ford credit in the beginning of the year, they told me they can not help me until I make the next payment. When I make the next payment, I'm told. I still couldn't get help they have to wait until I make the next payment. Every single month they told me. I will have to wait for the next payment before get any type of help. That they could not put me on no type of hardship program. So each one I made a payment I reached out to ford for help. Just to keep getting pushed to the side, and waiting another month, after month.

I thought what ford did to me before, last year was bad. When they gave me a due date and told me if I pay by this certain day. I could avoid the car being repo. At that time they gave me a date that I had until to pay. However they repo the car, even when I paid. Way before the repo date. Costing me more money to take my car out. Engaging in unfair acts or practices of repo. I incur significant costs related to repossession, and negative marks on my credit reports. 

When I had them before help me COVID-19 pandemic, i feel they added on other cost that lead me to face financial hardship. 

I am so upset with Ford. On XX/XX/20, in the after XXXX call my wife in the afternoon on her cell phone. Demanding loan payment and providing info on me owning on loan. However, my wife is not even on the loan. She is not a cosigner. Share my personal information on her cell phone about me. My wife has a serious XXXX XXXX My wife got so upset. Because she felt she was harassed. Then my wife got really XXXX. She couldn't understand why would they be calling her on her cell phone. When the loan has nothing to do with her. 

My wife is Innocent party that was harassed by ford about my debt. She should had been protected under the FDCPA. 

Even again I asked him to put me on a financial hardship program. I was told again. I have to wait until my next payment. On going for the whole entire year like this. 

Ford makes it hard for me to make payment. They will only take a payment from me if I pay at XXXX. They will not allow me to make payment over the phone or online. Due to the hours that I work at my job. It makes it very difficult to get it to XXXX. Because by time I get their customer services close. 

I am afraid of repo