davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (CA)

Received and a bill dated XX/XX/ stating that they are trying to collect a debt on behalf of TD bank N.A. for the amount of XXXX XXXX 

I responded with a written letter dated XXXX XXXX USPS XXXX XXXX XXXX XXXX  requesting : 1 : Notice of Assignment ( NOA ) from original creditor to XXXX XXXX XXXX XXXX XXXX XXXX  regarding alleged debt. 
2 : If they purchased this debt and for how much. 
3 : Name of person with first hand knowledge about the debt at XXXX. 
4 : What due diligence did XXXX conduct to verify the legality of the debt. 
5 : If they are in possession of my original security instrument ( contract with TD bank ). 
6 : Legal relation ship between XXXX and me and/or contract and terms of such contract if any. 
7 : Evidence of my agreement with TD Bank. 

XXXX responded to one of my inquiries only ( A copy of agreement between me and XXXX XXXX  ) and ignored all other inquiries. 

I responded with another letter dated XX/XX/ requesting same information in my previous letter. 

XXXX continued to call my private tel # and leaving messages. 

I sent a seize and desist letter dated XX/XX/2023 which XXXX ignored and continued to contact me. The last call was earlier today at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (AL)

On XXXX XX/XX/2023 from an individual claiming to work at US BANK phone number XXXX asking if I was applying for another car loan in Arizona or another state. I have not ever applied for a car loan. He advised I check my XXXX. 

The next morning, I checked XXXX and saw an auto loan in the amount of XXXX dispersed and in my name as the cosigner to an individual named XXXX XXXX who I do not know. The employer and one address associated with my name are incorrect and I presume them to be " XXXX XXXX 's ''. 

I then filed an FTC identity theft report number XXXX And also a local police report incident XXXX Also a complaint on the FBI website. 

I then placed a freeze and fraud alerts with XXXX, XXXX, and XXXX and filed a dispute with XXXX about the false reporting. 

I contacted US BANK on XX/XX/2023 and spoke with their fraud department with an individual named XXXX, who said they would investigate the issue. The only thing that has happened since then from US BANK is one letter reading about a hard credit inquiry removal but nothing about removing the fraudulent reporting to the credit bureaus. In a letter from XXXX, The dispute results claimed that the lender stood by the loan claiming that is my loan. So they did not remove the information from my credit. 

Since the initial contact with US BANK the fraudulent person using my credit has missed a payment and my credit has dropped over one hundred points. The amount is now XXXX due to the late fees I presume. 

I reached back out to US BANK on XX/XX/XXXX to see what was going on and they would not help me. I spoke with XXXX people each who sent me to the next person, only to get to the last person instructing me to call the number I was already on the line with. During this series of calls, they would not verify my Identity over the phone and instructed me to visit a local branch, there is not one in my home state. I do not know the account number or anything other about the auto loan. I have never received a bill to my home address in regards to this.

I am working on writing dispute letters per the FTC guidelines to each credit agency per the FCRA 605B including copies of my credit reports, requiring the bureaus to block this false reporting. These will be certified mail.
Consumer complaint received 2023-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the accounts of the FCRA I will have no choice but consider the possibility of litigation. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (FL)

I paid XXXX and was up to date with my payments at which point I starting having issues with the service. I called XXXX to resolve the issue. They even provided me with the date and time someone was coming to resolve the issue. No one to this date has showed up to restore service. For several weeks I was without service to function as a business. XXXX  could not reach me, I could not service any customers. This was during the holidays XXXX XXXX XXXX XXXX and several customers needed XXXX XXXX XXXX. My only solution to this problem was to go back to my previous provider. XXXX did not even take my calls when I tried to reach them after they told me they we sending someone. 
After several weeks I finally got someone on the phone in customer service. I explained the situation and told them I wanted to find out how to return the equipment and phones. I also asked if there was anything further I needed to do. I was told no and I would be receiving the label in the mail to return the phones and equipment. When I didn't receive the label after several weeks, I emailed the account manager. He tried to reach out and was not successful. He then said I could take the phones and equipment to the store. I took the equipment and phone to the store and the associate on duty told me I would have to keep it because I already paid for it. I emailed the account manager and he said that was not correct so I went back to the store and returned the equipment and phones. 
XXXX is seeking to bill me for service I did not received. They seem to have taken back credit they gave prior. I have never received such horrendous service with any company other than XXXX. I have received letters via mail from waypoint and have responded, but I still continue to receive these letters in the mail
Consumer complaint received 2022-11-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/2022 i was requesting the credit agencies to remove all fraud alerts from my consumer report i never got a response back nor fraud alert was not removed
Consumer complaint received 2023-12-27
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I was gifted three American Express Gift cards over two years, totalling over {$1000.00}. The cards are no longer accepted at any online retailers ; all cards are rejected or declined.

I have a total of {$400.00} balance remaining from the three cards, and no merchants will accept the cards. The error message received when attempting to check out online is that the " card issuer has declined '' or rejected the card.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a high yield savings account with capital one. I transferred funds from XXXX XXXX savings account to capital one. Funds kept getting sent back to firefighters first account. XXXX XXXX  only allows a certain amount transfers a month. Capital one closed my account. They are now holding XXXX dollars of my money. They have given me no time frame of when my money will be sent back or why my account is under investigation.
Consumer complaint received 2023-12-27
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

Company : SYNCHRONY AMOUNT : XXXX $ & XXXX $ and additional NSF for ACH trying to withdrawal. 

DATES : XX/XX/2023 & XX/XX/XXXX COMPLAINTS : Around about XXXX of 2023 I got a sudden notification that my account had been closed for CARE CREDIT whom I had the debt with. Now SYNCHRONY is the parent company and arbitrarily closed the account even though my payments were on time and current. Then after they closed it, they just went into my account without permission and started taking ACH withdrawals. I did not authorized this.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : 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 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I sent my payoff, which was received by RoundPoint Mortgage on XXXX. I called on XXXX to see where my {$270.00} overpayment refund was. I was told by " XXXX '' that I would receive it " in a few days ''. On XXXX I called backe because I still did not receive it. XXXX told me it was processed on XXXX and mailed on XXXX. I called back on XXXX because I still did not have the refund. " XXXX '' told me he didn't know anything about how to help me and did not know where my refund was or when it was processed. He said he would transfer me to " accounting '' so they could help me and he transferred me to XXXX. XXXX said he was in customer service and that there is no accounting office I could be transferred me to. He then went on to tell me that the refund was mailed on XXXX. On XXXX I called back and asked to speak to a supervisor, I spoke to who said that it was processed on the XXXX of XXXX and mailed on the XXXX. He went on to tell me that if I don't receive it by the XXXX of XXXX, a full month and a half after I made the overpayment, I could call and per their " policy '' they would cancel the original and send the new refund within ANOTHER 30 days. I called again on XX/XX/XXXX and XXXX told me the same thing. I also asked that they simply send me something to verify that they actually sent my refund and when it was sent and they told me that they would have to go to " legal '' to provide such a document and that would take about 30 days to provide. I also sent 2 emails and thus far, even though one of them was acknowledged, NO REPLY!
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

Hello, I was asked by Nelnet to recertify income to continue my eligibility for the SAVE IDR. Ive done so on studentaid.gov. They are now asking for additional information like a paystub to show recent proof of income. I recertified on the government website because they asked me to. Now that doesnt seem to be good enough and they want other information besides my AGI . Should they be requesting that information? I was reading online where other people submitted such information to them and they used that to increase the monthly payment amount greatly instead of using the payment plan generated by a borrowers most recent AGI. That was never requested when Great Lakes was my servicer. The recertification process was also seamless by giving studentaid.gov access to my most recent W2 on the IRS website. This time around it was buggy and said my servicer would choose my repayment amount. Based on my experience and the experiences of what other users shared online, this seems very unorthodox. Has the government process changed? If not, I want to make sure someone has reported Nelnets behavior. This change in practice has the potential to make the repayment process even harder on borrowers. If the government only requires AGI to calculate SAVE payments, the government appointed servicer shouldnt be requesting anything else.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-08
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

There were two fraudulent transactions originating from a company called XXXX XXXX XXXX XXXX on my JP Morgan Chase Debit Card. The following will be a timeline of events.

Incident # 1 : XX/XX/23 : XXXX XXXX XXXX XXXX XXXX Method : Online Shopping Charge : {$39.00} Action taken : XX/XX/23 : Called Chase Bank and created a claim on the full amount. Chase issued temporary reversal and credited the {$39.00} to my account. They also shipped a new card out. 
A digital card was issued while the physical card was in the process of being delivered. Incident # 2 occurred during this time.

Incident # 2 : XX/XX/23 : XXXX XXXX XXXX XXXX XXXX. Method : Online Shopping Charge : {$39.00} Action Taken : XX/XX/23 : Called Chase Bank and created a claim on the full amount. Chase issued temporary reversal and credited the {$39.00} to my account. They also shipped a new card out. 
XX/XX/23 : Chase Bank denied incident/claim # 2. They claimed this was an authorized transaction. 
XX/XX/23 : Called Chase Bank and spoke to the claims department. The reason given for the denial was that I had recently used this new digital card that the fraud had taken place on. I did use the card to buy food, but that does not mean I authorized this fraudulent transaction. The charge appears to be a reoccurring charge as the second incident happened exactly one week after the first as seen on the screenshot. Chase bank did not properly stop the recurring charge after the first incident even though I called to report it as fraudulent before the second charge occurred.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-12-27
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

On XX/XX/2023 I got a Visa Gift Card as a XXXX gift in the amount of {$50.00} it was fully sealed and never opened from what I can tell. I went ahead and went to the website that the card suggested on the back of the card and " activated '' it upon doing so I noticed 2 things. In the transaction history it showed the date of when it was bought which was XX/XX/2023 and loaded up with the {$50.00} but less then 48 hours later there was a transaction at a XXXX location using the full amount which was on XX/XX/2023. Right away on the same exact day I contacted them and wanted to dispute this. From what I can tell I suspect this card was tampered with I tried to explain this to the company but they keep dragging me in circles asking for the receipt when in fact its a gift card to me why would I have that?
Consumer complaint received 2019-11-10
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: GOLDMAN SACHS BANK USA (WA)

I received and activated my Apple credit card on XX/XX/2019. I purchased an XXXX  for my son on XX/XX/XXXX. On XX/XX/2019, I went to use the Apple credit card and it didn't work. Upon investigation, I found my account was locked. I called Support and I was informed that they couldn't tell me why and a Goldman Sachs specialist would call me. On XX/XX/2019, I call Support and paid off the balance on the card, as, I wasn't sure if payment would happen with my card locked. In the intervening 10 weeks, I have called support at least 6 times to find out why my account is locked and on each and every occasion, I have been told the same thing, that they can not tell me and a Goldman Sachs specialist would call me. 

As my credit score is over 800, I know the issue is not my credit worthiness.
Consumer complaint received 2023-12-08
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-08
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. (KY)

I have reviewed my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Please snd me copies of the documents that you have in your file as of this debt that you used to verify the accuracy of the accounts listed below. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
XXXX XXXX XXXX XXXX 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 2023-12-27
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: U.S. BANCORP (MI)

I was given a gift card as a present, I registered the gift card as they requested, and when I went to use the gift card, it declined. After calling the company, they told me it was locked for fraud, and I had to wait one hour. I waited well over the one hour and attempted to use it again, only to still have it decline. When I called back, they said I now had to wait 24 hours because of suspected fraud, even though, I already cleared out that I was the one using it. I have looked into the issuer of this gift card and this seems like a common problem and people are often not available to use the funds. I am worried they will keep locking the card and I will not be able to use them.