davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2019 my husband XXXX XXXX went to TD bank to pay a negative balance on our account. XXXX XXXX asked one of the tellers if he can use my debit card to put money on his account to pay off his negative balance. I was outside in the front of the bank on the phone. I happen to walk in and the teller said his name isnt XXXX XXXX. I told her Im XXXX XXXX and she asked for id which we gave her. She looked at the ID And looked at the debit card and looked at me and asked us what is it that we wanted to do. XXXX XXXX explained to her again. That he wanted to use my card to pay the negative balance on his account. Durning the entire conversation she wouldnt look at my husband who was speaking to her. She was just giving me eye contact. She said she process the payment and it was decline. She was extremely rude still no eye contact with XXXX. She came back with no receipt of proof that is was decline. she was talking to my husband without eye contact again. I didnt believe she even really swiped the card. After she said it was decline my husband asked her to put in a lower amount to see if it would go through.She automatically said no she cant do that and pushed our IDs and debit cards back to us. After my husband went to their atm right outside the door. XXXX put my debit card in to see if he can withdraw money. XXXX XXXX was able to withdraw the money from my debit card that she said declined, and was able to deposit the money into the TD bank account. I feel she was discriminating against us because we are XXXX customers. She was rude the entire time, And we check my bank statement to see if she attempted to take out the amount that was asked, to see if it declined. No transactions were shown other then the one my husband took out himself. So it kind of looks like she lied about even trying to take the money out. Im disappointed in being treated in such a manner with my husband. I will like to go further with actions being taken against the bank teller. We dont know the bank teller name but we do know how she looks like. I wonder how many others she discriminated against the same way as ours.
Consumer complaint received 2023-11-02
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-05-10
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. (FL)

I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  is negatively reporting accounts that have been paid. The charges have been paid in full ; however, these accounts are still reported negatively. I have attempted to get this matter resolved with XXXX XXXX, however, they are making to attempts to correct their issue. This is negatively affecting my approval chances with other companies.
Consumer complaint received 2023-04-05
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: Nelnet, Inc. (SC)

I have disputed the Nelnet accounts multiple times on my credit reports. They keep coming back as verified but they are still reporting inaccurate information. The most noticeable error being that it goes from current to 90 days past due from one month to the following month. It's impossible to be current one month but then 90 days past due the following month. In addition to that, these accounts first went past due prior to XXXX of 2016 so no longer should be reporting on my credit report anyway. The information reported to each bureau is also different. How can the information be different, but still accurate?
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greeting Team, LLC DBA Customer Care Global (MI)

On XX/XX/XXXX I received a call from customer care global a debt collection agency. They told me I took out a look in XX/XX/XXXX through withuloans for {$1200.00} and now have a balance of {$2200.00}. The representative had my dad 's email address on file, his mailing address, but my social security number and my phone number. The loan was deposited to truist bank with an account number ending in XXXX. I called truist bank to confirm i didn't have an account under my name which i didn't, also my Father also does not have an account through them and did not take out this loan.
Consumer complaint received 2023-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

I recently looked at my credit report and saw this company LVNV reporting a account. Funny thing is I have no clue who they are and don't owe them any money. I am filing a complaint against them demanding to see a contract I signed and proof I owe them. I demand they cease any and all contact with me and their reporting of this damaging info to third parties. I want this account DELETED from my credit reports now. This company has violated so many laws under the FDCPA and I plan on holding them liable as far as court if I need to. LVNV violated the FDCPA by not providing me with a notification before reporting the collection account to a credit reporting agency. The FDCPA requires debt collectors to provide consumers with a written notice within five days of their initial communication, which must include : The amount of the debt The name of the creditor to whom the debt is owed A statement informing you that you have 30 days to dispute the validity of the debt A statement informing you that if you dispute the debt, the debt collector must provide verification of the debt In addition, the FDCPA requires debt collectors to provide validation of a debt if a consumer disputes the debt within 30days of receiving the initial notice. I expect a speedy response
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

In 2009, I filed for bankruptcy for Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first house or transferring credit card debt to a 0 % APR so that I can pay that down faster with out any interest. Please advise. Thank you!
Consumer complaint received 2023-05-10
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. (NY)

I have been struggling to get this negative account off my credit report. I have report this fraud, contacted original creditor and I am still not seeing any results. The account name is XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I never knew anything about this account until I found out it was reporting o my consumer report. I had found out that it was attached to an address that was my ex boyfriends. I had just got results from getting the address that was not mine off my consumer report. I am still seeing this negative account and I would truly appreciate it if you can assist me in getting this negative account removed.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed my complaint saying it has already processed my earlier complaints about this problem when I haven't got any response from the involved companies. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2023-11-02
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I had refinanced with Caliber home loans, but HUD contacted me to collect a debt that I owe them, that debt was suppose to be paid off in my refinance. 
Caliber had missed a payoff during my refinance. They messed up because the title company XXXX XXXX thats mostly owned by Caliber missed the partial claim lein that is public record. So now Caliber has put me in a bad situation. Because HUD has forward my debt to the Department of US treasury and added a 30 % penalty to the debt and is garnishing tax refunds and wages. Caliber and Caliber Fort Settlement title company should take responsibility for what was missed.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (GA)

Someone used my name to committ fraud with Affirm. They sent me an email confirming that they will remove the fraud, I also sent a copy of that email to XXXX for removal with the FTC affadavit and police report to have the information immediately deleted and or blocked however neither Affirm nor XXXX have responded and everyday this is on my credit its causing me financial distress.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MoneyLion Inc. (GA)

I requested a withdrawal from my MoneyLion investment account on Tuesday, XX/XX/ for the total amount of {$480.00}. After waiting 5-7 business days, I checked my account only to see that it had been cancelled and not by me. A member of the team put in a ticket to resolve the issue and said I should receive a follow up email. After about a week, I called in to see what was happening. Another member put in a ticket and marked it as urgent and said that I would receive a follow up email. On XX/XX/XXXX, I wrote in to their chat to get an update. I was told that it was still under review and to send in a picture ID to further the review. I also asked to speak to a supervisor, which couldn't happen over chat. So, I was supposed to receive a call from one within 24-48 hours which has not happened. Today it is XX/XX/XXXX and I wrote in the chat to express my frustration. The issue is still under review and they can't release my money. They have no idea what caused the transaction to cancel and I don't know how much longer I will have to wait.
Consumer complaint received 2024-05-10
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Navient Solutions, LLC. (TX)

I am a full member of the XXXX XXXX XXXX automatic relief group my loans were obtained in XX/XX/04 for XXXX  XXXX XXXX XXXX XXXX XXXX ( this school legally closed before I attended but remained operating under it XXXX for XXXX seems really illegal ) through nefarious practices. The government has seen that I am unburdened and refunded for the harm caused and I would like Navient to do the same and give me back what is mine monetarily since I can never get back the decades of struggle they perpetrated on me by predatory loans. I am aware of the Navient school misconduct discharge application and believe I am due one.
Consumer complaint received 2023-11-02
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. (GA)

This is my fourth attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Received a notice from XXXX XXXX and XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX attorney for XXXX  and file number is XXXX. 
XXXX XXXX XXXX vs myself Judgement owed is XXXX now the balance due is XXXX. 
They are stating this is an important notice : please read carefully failure to comply with this information subpoena may result in your arrest and incarceration.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice
Consumer complaint received 2023-11-02
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. (MI)

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found some accounts XXXX  account # XXXX and XXXX XXXX  XXXX my credit report that was not opened by me. I dont know if someone has this account in my name or added me to an account but these accounts do belong to me This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Consumer complaint received 2023-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank Of America accuse me of pssing a bad check account XXXX XXXX XXXX written by my wife XXXX XXXX on XX/XX/2023. the fraudulent claim locked my XXXX XXXX endind in XXXX causing XXXX XXXX to lock my account ending in XXXX. On XXXX I called XXXX XXXX for an explanation and they responded you are accused of writing a check from the account ending in XXXX.
Consumer complaint received 2023-05-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC (CA)

Contacted store XXXX was referred to XXXX XXXX. Contacted California Check Cashing and paid {$300.00} pay day loan XXXX years ago. 

Received XXXX calls this week for " XXXX XXXX XXXX '' XXXX referring to case # XXXX. First call send my former XXXX had retained XXXX to sue me for a loan received. Checked with former XXXX and XXXX denied. 

Second call said check cashing service was suing me for a loan from $ XXXX {$700.00}. 
The amount they were requesting was {$1300.00}. Said they had tried to contact me at a former address and email address. Neither was the legal address given when the loan was obtained. They did not have my legal address on my XXXX  XXXX which was used to obtain the loan. They said they weren't collecting but it was there job to " notify '' me of pending court action. I told them it had been paid and they continued to call. They are argumentative and only want to talk and shout and state untruths and won't listen to What you have to say. I am retired and paid off my bills acquired due to injury before I retired. They would not give me the contact info of the company that supposedly retained them to collect a paid debt.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I moblie deposited a check from the NEW YORK STATE DEPARTMENT OF CORRECTIONS THE BALANCE OF {$530.00} and Citibank told me that the check was fraud. I deposited the check XX/XX/XXXX. And still havent received my money. They closed my account because they said the check was fake and it was fraudulently. I even had my payroll contact the bank. The bank been giving me a hard time and its now XX/XX/XXXX and I still havent received my money. And my account is closed and th bank told me I wont be getting it until they have a verification from where the check came from. Mind you payroll said on there end the check was cash by the bank so if it is why havent I received it and why was my account closed. Citibank is working with me or helping me they just dont care. Ive looked online at review and over XXXX people have this same problem and nothing has been solve. I just dont understand I need help, and I would like to have my money. I just dont understand how my check can be fake or fraudulently if its from the New York State department of corrections .
Consumer complaint received 2023-05-10
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. (IL)

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 : XXXX XXXXXXXX XXXX  Account Number : XXXX 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 an 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.