davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

XXXX   XXXX    claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made  XXXX  took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in  XXXX  favor based on the documentation the judge received from   XXXX   XXXX   never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent to  XXXX , but the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place
Consumer complaint received 2018-05-10
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: CITIZENS FINANCIAL GROUP, INC. (NJ)

I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a Citizens Bank account of any kind. Citizens Bank is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent. Citizens Bank does not have my consent to report any of my private information with any person or any company. Citizens Bank may only communicate with me in writing..
Consumer complaint received 2023-11-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: TD BANK US HOLDING COMPANY (NH)

Good Afternoon, I believe TD Bank has made a UDAAP violation. I called and inquired about a HELOC on an investment property. They told me they had a great HELOC program that would not have any closing costs. There was only an application fee of {$99.00}. This was discussed multiple times throughout the entire process that can be verified on their recored lines. Once they called me with my clear to close they now are saying that this loan does not fit the product they initially put me in and say closing costs would be {$930.00} in addition to the {$99.00} application fee. Had they mentioned this earlier in the process could have avoided this by not moving forward. the entire process I told them the only reason I'm working with TD is because there were no closing costs. at no point until I received my clear to close had they admitted there would be closing costs, the lied through the entire process and took advantage of a well qualified individual. 

I feel like I was put in an unfair position as I needed the funds to use on my properties and have now wasted an entire month that I could have been applying for a loan somewhere else with less closing costs. 

I called and asked what they could do about this and the loan processor XXXX XXXX instead of trying to remedy said ok we won't close and ended the call. I tried to speak to the lender who said they would escalate it and their manager said they couldn't help at all.

I'm concerned many other individuals are being taken advantage of by TD Bank and this is not right. Personally I work at a bank and understand the rules and regulations and this is absolutely deceptive and taking advantage. 

The offenders include : XXXX XXXX - Loan Processor XXXX XXXXXXXX XXXX XXXX - Loan Officer XXXX XXXX XXXXXXXX XXXX - Loan officer XXXX XXXX
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: LAKE MICHIGAN CREDIT UNION (MI)

On XX/XX/XXXX  and on XX/XX/, I called Lake Michigan Credit Union to inquire about why they were charging me for overdraft fees when I left enough money in my account to make my payments. And I also told them per 12 C.F.R. that a customer can opt out of overdraft fees. I did opt out on XX/XX/. LMCU still charged me {$30.00} on XX/XX/XXXX  and {$30.00} again on XX/XX/XXXX  after I opted out of overdraft. In addition, my payment to XXXX was already processed and validated as gone through on XX/XX/XXXX   in the amount of {$35.00}. Therefore, I had to pay that {$35.00} once again because LMCU sent the overdraft on XX/XX/XXXX  as my payment not going through. I can verify I made this payment a second time through my XXXX XXXX  account. Charging for overdraft fees when a customer has opted out is illegal and fraudulent.
Consumer complaint received 2023-11-17
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. (NC)

XXXX XXXX ( This information is incorrect ) Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX ( This information is incorrect ) Account # XXXX XXXX  ( This information is incorrect ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (DC)

I require mortgage to be reported as mortgage and not landlord debt. XXXX has provided this information to XXXX which is incorrect and discriminatory. 

Consumer Attorneys- Dispute to First Advantage Inbox XXXX XXXX XX/XX/2023, XXXX ( 10 days ago ) to me Hello XXXX XXXX I got a response from our attorney about the issue with your First Advantage report. Reporting the account as a debt to a landlord is misleading. 

You already disputed the report over the phone, but we would like to have written proof of dispute. So we advise you to file another dispute via email. 



You can use the template below Subject : Report Dispute Hello First Advantage, My name is XXXX XXXX, my date of birth is [ your XXXX ], and the last XXXX of my social are [ last XXXX digits of your SSN ]. Recently I was denied an apartment based on your screening report. The property management company is XXXX XXXX XXXX. Your report is showing my mortgage loan with XXXX XXXX  as a debt to a landlord which is not correct, reporting a mortgage as a {$510.00} debt to a landlord is misleading. Please remove this account from the LANDLORD DEBTS section of my report and provide an updated copy to the apartment complex and to me at XXXX. If you have any questions you can reach out to me at XXXX. 



Please fill in your date of birth and the last XXXX of your social and send this template in an email to First Advantage at XXXX Keep me posted on any responses or other correspondence you receive from First Advantage. 



If you have any questions, let me know
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (OK)

I went to discount tire at address XXXX XXXX XXXX XXXX. XXXX XXXX, ok and applied to get a loan for tires. They use Synchrony bank to either approve or not approve. I was not told by dicount tire nor Synchrony they would be running a hard credit check but a month later my credit dropped heavily and it affect my other loan company 's as well XXXX would loan me up to XXXX dollars to XXXX on my auto work done at XXXX XXXX after Snchrony hard credit check now they will only approve XXXX to XXXX dollars where's before it was XXXX or more.that is fraud and wrong to be deceptive Noone said a thing about hard credit checks but this has affected my credit score in a negative way it just not right to fraud consumers and not reveal that information first.something must be done to fraudulent banks who decieve consumers like discount tire and synchrony did to me thank you for taking the time to read my story
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is reporting that both of my accounts with XXXX are past due one for 60 days and the other for 90 days : 1. XXXX XXXX  account XXXX XXXX past due 90 days 2. XXXX XXXX account XXXX XXXX past due 60 days. 
This information is incorrect. These accounts are up to date and show in XXXX and XXXX the correct information.
Consumer complaint received 2023-11-17
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. (NY)

These accounts have incorrect information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
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: Experian Information Solutions Inc. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 ( Original Creditor : XXXX XXXX ) XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MI)

i am writing to assert my rights and demand lvnv and consumer reporting agencies stop racketeering in attempt to extort me. i demand lvnv account be remvoved promptly along with all late payments on the report. LVNV has stolen my identity. I do not and have not ever consented or contracted with LVNV i have never consented to them sharing my information with anyone and this is a federal crime 18 usc 1028, 18 usc 1341. the supreme court has also ruled that LVNV is a debt collector meaning they are violating FDCPA. this is a misrepresentation and misleading. they have purchased my personal information which is also illegal discclosed my personal information which is also illegal. compromised my identity and privacy. this is a gross violation of my rights and will be treated as such. All claims by this false creditor are hearsay and could never be admissable in court. if lvnv doesn't want to be sued i highly suggest ease and desist. This is also a violation of XXXX, XXXX XXXX XXXXXXXX. this is also a breach of contract.Transactions and experiences are to be excluded from the report. 15 usc 1681a ( 2 ) a ( i ) the fees for these violation are around XXXX per set of violations. Im giving lvnv and the consumer reporting agencies 5 days to cure these infractions after which i will be charging XXXX for violations and lawyer fees. the date XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The problem is regarding the capital one quicksilver card. 
When you apply For the card it says theres a {$200.00} sign on bonus after spending XXXX. 
So I did so, I spent XXXX over the last 2 months and was expecting to get the reward. 
However I was not receiving the reward so I called capital one to ask where it was, and they told me the card was not eligible for the reward, even though it is advertised with the sign up bonus.
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

For Year Bank of America has been collecting via ACH payment for a deb that is not mine. It sees someone stole my account and RTN number and i did not realized until a few month ago that every moth i was being debited around {$70.00} the description of the transaction in my checking account is as follow : ONLINE PMT BK OF AMER VIXXXX XXXXPOS INTERNET PAYMENT I have not being able to get help from Bank of America since i nothing to go by other than the debits i see on my account. I am just being debit via ACH by bank of America and i have no idea why since the amount is small and my husband is the one that reconcile the account, he never questioned, until 3 moth ago I noticed there is no reason why BOA to debit my account. I went to my bank TRusit and i requested a stop payment and they did, but this month BOA submitted a payment for the 3 last payment that were rejected by my bank debiting my account {$170.00}. My bank could not return the debit since we had a stop payment for a rage amount of XXXX to XXXX due to always being that amount. I now will have to close my account to stop BOA to continue still my money I demand a resolution since I have never authorized BOA to debit my checking account, I am 100 % sure they do not have a debit authorization signed by me or a consent to debit my checking account at XXXXXXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Since XXXX I've kept my credit frozen with Experian. 
On XX/XX/XXXX XXXX contact Experian to thaw my credit. I visited the Experian website and attempted to thaw my credit report using my personal identification number. Instead the website prompted me to create an account. Half way through the account creation process, the system timed out and said my identity could not be verified. I made repeated calls to customer service, but was unable to reach a person for assistance. At this point I'm unable to determine if my credit is frozen or thawed and I don't have access to my newly created Experian account.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIBANK, N.A. (GA)

My elderly batchelor uncle, died in California in XX/XX/2020. He had no living heirs, beside myself and my three sisters who all live out of state and were not contacted about his death until the XXXX XXXX XXXX called us in XX/XX/2020. 

By the time we learned of the death, individuals unknown to us, had cleared out his condo ( where he had lived for XXXX years ), and were in the process of clearing out his approximately {$200000.00} of bank accounts- with the assistance of his two banking institutions. At the time of his death, ALL of his money was in his PERSONAL NAME. He had {$0.00} in any account titled as a Trust Account, and funded no trusts. Irregardless, CitiBank turned over more than {$170000.00} to an individual who claimed to be his " Sucessor Trustee '', and converted personal funds into Trust funds... POST DEATH. By doing so, CitiBank employees violated its own internal bank policies, and California Trust law. The individual to whom CitiBanks gave his money, had no right to his Estate Assets, without approval of the California Probate Court. 

In our subsequent lawsuit against this individual, through discovery we were provided a copy of a {$20000.00} CitiBank Official Check our uncle had purchased in XXXX,XX/XX/2020 That check is still outstanding - as the interloper/ '' crook '', has not able to negotiate it. Only his true Estate Executor can do so. 

Using the same CitiBank " Small Estates Affidavit '' that Citi let the interloper use to drain all the bank accounts- I have sent three written requests to Citi to both be named legal successor, and to gain access to this {$20000.00} check. I believe there may be other funds of our late uncle also 'stored ' in Official/Cashier checks. This was his long-time practice. Citi has dodged, delayed, and obfuscated on my requests, no doubt understanding their culpability in this matter. I had hoped to resolve this issue without having to use the California court systems again, but that seems now hopeless. The bank 's legal liability here, is crystal clear.
Consumer complaint received 2023-11-17
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. (MI)

i am writing to assert my rights and demand XXXX and consumer reporting agencies stop racketeering in attempt to extort me. i demand XXXX account be remvoved promptly along with all late payments on the report. XXXX has stolen my identity. I do not and have not ever consented or contracted with XXXX i have never consented to them sharing my information with anyone and this is a federal crime 18 usc 1028, 18 usc 1341. the supreme court has also ruled that XXXX is a debt collector meaning they are violating FDCPA. this is a misrepresentation and misleading. they have purchased my personal information which is also illegal discclosed my personal information which is also illegal. compromised my identity and privacy. this is a gross violation of my rights and will be treated as such. All claims by this false creditor are hearsay and could never be admissable in court. if XXXX doesn't want to be sued i highly suggest ease and desist. This is also a violation of MCPA, MICHIGAN PIPA, MCRA. this is also a breach of contract.Transactions and experiences are to be excluded from the report. 15 usc 1681a ( 2 ) a ( i ) the fees for these violation are around XXXX per set of violations. Im giving XXXX and the consumer reporting agencies 5 days to cure these infractions after which i will be charging XXXX for violations and lawyer fees. the date XX/XX/2023 XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (DC)

Subject : Cease Unauthorized Credit Reporting Violation Dear JPMCB - XXXX XXXX, I am reaching out regarding a significant issue concerning unauthorized reporting to my credit file, a direct violation of the Fair Credit Reporting Act ( FCRA ) and pertinent XXXX XXXX state laws, including Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ) of the FCRA, Sections 392.301 and 392.305 of the XXXX XXXX XXXX XXXX, and XXXX XXXX Penal Code Section 32.51 pertaining to identity theft fraud. 

It has been brought to my attention that JPMCB XXXX XXXX XXXX has reported information to my credit report without procuring my explicit consent, which is a clear infringement upon my rights as guaranteed by federal and state legislation. The FCRA expressly mandates consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Moreover, XXXX XXXX state law, particularly Section 392.301 of the XXXX XXXX Finance Code, emphasizes the critical requirement of consumer consent for credit reporting. Section 392.305 further delineates fair reporting practices, while XXXX XXXX identity fraud laws, exemplified by XXXX XXXX Penal Code Section 32.51, underscore the gravity of unauthorized access and misuse of personal information. 

I want to unequivocally state that I have not provided consent for JPMCB - XXXX XXXX to report any information to my credit profile. This lack of explicit authorization constitutes a serious breach of my rights and could detrimentally impact my creditworthiness. 

I insist upon the immediate cessation of any further reporting of information to my credit file without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA, Sections 392.301 and 392.305 of the XXXX XXXX  Finance Code, as well as XXXX XXXX FCRA identity theft fraud laws. Failure to comply within 30 days will be construed as willful noncompliance, subject to penalties under relevant laws, including identity fraud statutes. 

Obtaining consent is not discretionary but a legal obligation under these statutes. This is not a negotiable matter ; it is a demand for adherence to federal and state regulations designed to safeguard consumers like myself from unauthorized credit reporting. 

I anticipate prompt attention to this issue and expeditious rectification of these violations, respecting my rights under federal and state laws. 

Sincerely,
Consumer complaint received 2023-11-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

I got credit carded to buy some tires through XXXX XXXX XXXX via synchrony bank. I before the 6 months was done they closed the card. I had one month left. The also charged XXXX $ in interest, I called them and they told me that I was not eligible for any more credit. I told them that was fine but why did you cancel my account? Because the promotion was over ok I guess thats what they were saying but that I could still pay the remaining balance and get the interest free. So I did so however they did not remove the interest and they are charging me XXXX $ a month late fee. They call me all the time. When I try to address this they hang up on my. They text, called leave prerecorded messages all the time day and night non stop. I will not pay them because I do not owe them. They also speak really poor English and I having a slight hearing defect can not make out half of what they say.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

THIS COMPLAINT IS A CONTINUATION OF THE COMPLAINT I ALREADY SUBMITTED BUT CFPB DECIDED TO CLOSE THE CASE WITHOUT HAVING IT RESOLVED!!!!! 
INSTEAD OF TRANSUNION FIXING THE ISSUE OF THEIR SYSTEM NOT EMAILING VERIFICATION CODE THEY INSTEAD CLEARED OUT MY PASSWORD AND CLAIMED BUT NEVER SENT AN EMAIL WITH LINK SO I COULD CREATE NEW PASSWORD! NOW SYSTEM DOESN'T RECOGNIZE USERNAME AND INSTEAD HAS ME ENTER SS # & LAST NAME BUT AFTER I CLICK CONTINUE BUTTON IT ONLY CLEARS THE FIELDS AND WON'T CONTINUE TO NEXT STEPS!!!!