davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I filed two claims to charge back debit charges for canceled recurring subscriptions. Claim Numbers # XXXX and # XXXX Claim # XXXX {$89.00} for a recurring XXXX  Subscription charged to my bank card on XX/XX/XXXX, requested a refund from XXXX. XXXX sent an email on XXXX XXXX, confirming the refund. TD Bank reversed the temporary credit on XX/XX/XXXX. Bank denies a claim based on evidence provided by XXXX. I requested evidence from XXXX and sent an email to TD Bank. 

Claim # XXXX {$39.00} for a recurring XXXX  Subscription that was charged to my bank card on XXXX, XXXX, requested refund from XXXX. XXXX sent an email on XX/XX/XXXX confirming the refund. TD Bank reversed the temporary credit on XX/XX/XXXX, and caused NSF to be added to the account. Bank denies a claim based on evidence provided by XXXX. I requested evidence from XXXX and sent an email to TD Bank,
Consumer complaint received 2024-03-20
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: Incomm Holdings Inc. (PA)

I received a {$20.00} gift card at an XXXX office party. The card was from " XXXX  '' You log in, use the numbers on the card and exchange it for gift cards from their list of XXXX restaurants. On XX/XX/XXXX I logged into XXXX to make my restaurant selection and I kept getting an error message that the card was " not negotiable '', I called the phone number on the website. A male answered the phone told me the card was " fine ''. While he was on the phone and tried again, and suddenly it was active. Because the denomination options were such that I couldn't order a {$20.00} card, I had to request XXXX  {$10.00} cards from the restaurant. I chose XXXX XXXX Within minutes I received an XXXX certificate for {$10.00} from XXXX XXXX. So I waited about a couple hours, when I didn't get the second card, I checked the balance on the card I was sent to see if they had loaded the {$20.00} onto the one card, despite the card clearly stating {$10.00}. When I confirmed it was only {$10.00} I called the customer service # from the website XXXX. The male that answered the phone was very difficult to understand, he talked fast, with a dialect and told me I just needed to wait, that it could take up to 24 hours. 
Today, XX/XX/XXXX I called again, as a second XXXX XXXX has not arrived. This time a woman was rude and told me I needed to contact XXXX XXXX that there isn't anything she can do. When I attempted to tell her that I had already checked the balance and it was only activated for {$10.00}. Now when I try to call back it's as if someone lifts the receiver and immediately hangs up the phone. I realize it's only {$10.00} but with the behavior I have encountered I believe that there is something fradulent going on. I would like this corrected, please
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.A.C. INC (VA)

On or around XXXX of XXXX, I went to a dealership to inquire about purchasing a used XXXX XXXX XXXX XXXX. I was given the vehicle to test drive for a few days. During the test drive time frame, the vehicle broke down on the interstate. I contacted the dealership and had the vehicle towed back to the dealership. I advised the dealership that I obviously did not want to purchase a vehicle that had broken down. The dealership said they would take a look at it and if it was something minor would I still be interested in purchasing the vehicle. I advised, possibly but it would depend on what the issue was. A few weeks later I received a letter and email thanking me for joining XXXX  and a payment booklet. I was on my way out of town, so I took the payment booklet with me so that I could call the company when I landed. I called XXXX  and spoke to a man, I advised him that I did not have the vehicle, that I never signed for the loan and asked why I had received a payment booklet. He advised that they received documents with my signature. I advised that I never signed anything, asked for a copy of the documents and even asked for video from the dealership showing that i signed. They advised me they would investigate. Their investigation was them calling the dealership and telling them i called. Nothing more. I assumed that it was resolved because I saw the dealership list the same vehicle for sale. In early XXXX, I received a call from a woman at XXXX  stating that I was late on my car payment. I advised her that I did not have a loan with them. I did not have the vehicle and that I never signed any paperwork. She glossed over this fact and continued to try and make me pay for a loan that I never signed for. I refused. Later that year around XXXX or XXXX, I decided to check my credit report and saw that XXXX  had placed the loan on my credit report and said i was late. Around this time, i also noticed that the vehicle in question was listed for sale on the same lot. I disputed XXXX XXXX XXXX  ( XXXX  ). They updated the report showing that it was a high balance of {$32000.00} but the balance on the account was {$13000.00} and that my last payment on the loan was XX/XX/XXXX, and listed the account as a charge off. This is completely inaccurate. I have never made a payment to this company. I never signed loan documents for the vehicle or with this company. They also listed the loan term of 66 months. I have no idea what the term may have been because I never signed a loan document. Also, based on their fraudulent update, they are stating that {$19000.00} was paid towards this fraudulent loan in 7 months. If this was true, how would the loan be eligible for a charge off? This company is a complete fraud, and has prevented me from being able to obtain credit.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX of XXXX i closed my credit card with XXXX  bank, they sent me a credit balance check of XXXX due to a fraud issue XXXX XXXX of XXXX XXXX  put a charge of XXXX on the CLOSED credit card with out notifying me, no mailed statement. i noticed this charge when i checked my bank statement .i opened a fraud alert on XX/XX/XXXX was told they would investagate don`t pay at this time.i paid the owed amount XX/XX/XXXX all late fees and were forgiven BUT that they hit my CREDIT report with a LATE pay causing a XXXX drop in my credit score XXXX  years of perfect credit never a late pay and XXXX  pulls this stunt with a CLOSED credit card
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (VA)

My mortgage has been with UWM Mortgage ( aka XXXX aka XXXX XXXX ). They ILLEGALLY WITHDREW MONEY FROM MY BANK VIA ACH WITHOUT MY AUTHORIZATION TO PAY THE MORTGAGE FOR SOME RANDOM PERSON. This is After filing a complaint with CFPB on XX/XX/XXXX, the UWM responded to CFPB on XX/XX/XXXX stating the following : " our Servicing Team caused your bi-weekly ACH application to be used to establish bi-weekly payments for another borrowers loan ''. This is ALARMING, HIGHLY ILLEGAL, and highly concerning that UWM has withdrew money from my bank Illegally and without my authorization to pay for another person 's loan. 

In their response UWM also stated : " Upon discovering this error, the processing of payments to the incorrect loan was immediately cancelled and the amount of {$2800.00} for the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX erroneous debits was returned to your account on XX/XX/XXXX. '' THIS IS A LIE. Today is XX/XX/XXXX, till date UWM HAS NOT refunded the illegally withdrawn funds back to my bank account. 

I called UWM this morning ( XX/XX/XXXX ) and their agents have no clue about this situation and provided no answer and I wasted 30 mins of my precious time again without a proper answer. The UWM agents from all my phone calls took all notes but never respond back with a resolution. The emails I sent to XXXX does not answer my questions regarding this topic. 

UWM illegally withdrew money from my bank to pay for other person 's loan, compounding to this not responding to my several calls and emails to UWM since XX/XX/XXXX, they failed to resolve this matter. They LIED when they said they put the refunded the money on XX/XX/XXXX, as of now XX/XX/XXXX, I have not received the funds back into my bank account. 

This whole ordeal had caused me Tremendous financial pain and put me in a lot of stress of which ALL of it were of UWM 's fault. I had to borrow money to pay my bills, and If I had defaulted on my payment, only my credit history will be impacted and not UWM 's. 

I request the following : 1 ) UWM to fully refund the Illegally withdrawn funds from my bank account without my authorization to be fully refunded back into my account IMMEDIATELY 2 ) UWM to provide proper and Fair compensation for the financial pain, having wasted several hours of time in speaking with them and email them, and the distress they put me through this ordeal in dealing with UWM to find a resolution - ALL of which is NO fault of my own. 
3 ) Need guarantee from UWM that this Illegal activity of withdrawing money from my account to pay for some random person 's mortgage will not happen going forward
Consumer complaint received 2024-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

On XX/XX/year>, I sent an email to the Navient Advocate requesting that the Misconduct School Discharge Application to be emailed to me. 
Good Morning, To : Office of Consumer Advocate I am requesting a School Misconduct Discharge Application form to be emailed to me. 

Thanks in advance for your assistance, On XX/XX/year>, I received a response from XXXX XXXX XXXX  via XXXX The subject of the email was : Here 's your School Misconduct Discharge application On XX/XX/XXXX, I emailed and submitted my application to Navient. 

Today XX/XX/year>, at XXXX pm XXXX XXXX, I received 3 emails for my three student loans, with the subject " Your School Misconduct Discharge application is denied ''.

No explanation was given, even though I attended one of the Universities that was on the Borrowers Defense List of the Department of Education, due to misconduct and predatory practices. 

Navient requested that I provide evidence of misconduct from universities that no longer provide access ( school emails and portals ) to former students. In my case I attended the institution close to 20 years ago. The University closed it's physical campus and it's current online version does not provide any information to former XXXX XXXX  campus based students, only where to get transcripts. 

I provided emails and other pertinent information in regards to recruitment, management of loans and information that I was told by the university in regards to job placement. 

I am complaining because I do not know why I was denied, even though I provided evidence and the University is linked to the XXXX XXXX list outlined by the Government. 
I am current with my loan payments, but I am paying approximately half of my take-home pay in student loans, which is causing mental stress and health issues. I wanted to know why students who defaulted on their loans received a XXXX XXXX from Navient previously from the same University, compared to myself who is current. Can this be considered discriminatory?
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This account does not belong to me and I would like for it to be removed from my XXXX, XXXX XXXX Eqifiax Report. Please validate and verify this account belongs to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/20, the insurance company paid {$27000.00} towards the payout of the car which left a balance that I received a bill for in XXXX with a due date of XX/XX/20. On XX/XX/20 your company reported to the credit bureaus that I was 30 days late dating back to XXXX for {$920.00}, Which was incorrect because I was not late and the insurance company made payment on XX/XX/20. I called several times to correct the problem but all the CSR  I spoke with was very unprofessional and had no knowledge that the info they were providing was incorrect. On XX/XX/20, TD Bank charged the account off which the account still was not late due to the bill due date XX/XX/20, which from XX/XX/20, I have 30 days from the due to date to make payment before anything can be reported late to any credit bureaus.
Consumer complaint received 2024-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC. (DC)

Citizens Bank removed my XXXX ID from a loan application I submitted, for a borrower of mine. Removing a Loan Officers XXXX ID from a loan application is a regulatory violation.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (SC)

I originally reported the account- Barclays Bank Delaware ( amount {$4000.00} ) to the bureaus because I did not knowingly agree to Wyndham XXXX  putting a credit card in my name and charging it. XXXX removed the account, but XXXX and XXXX did not - due to the credit card company reporting as accurate. 

I contacted the credit card company on XXXX XXXX, 2024 and explained the situation. They closed the account and put it under investigation. I asked if I could receive something stating that the account was closed so that I can report to the credit bureaus. The rep told me I'd have to mail in a request for that, which didn't make any sense to me. I filed another dispute with XXXX and XXXX that the account was closed. The credit card company still reported the account as active. 

I called back on XXXX XXXX. 2024. They confirmed that the account was closed and stated that it would take XXXX  days to investigate. I asked why I needed to mail in a request for proof of account closure and/or investigation status. That rep to me I didn't need to mail anything. She confirmed my address and told me I'd receive something within XXXX business days. I did not. 

I called back XX/XX/year>2024 and they first said a letter did go out. After repeating that I never received anything- she said they don't have a way of resending. I told her that made no sense. She then placed me on hold and came back minutes later to say that a letter was actually sent out on XX/XX/XXXX. When asked why it wasn't sent out on XX/XX/XXXX - she stated that the address wasn't updated. I told her that I've spoken to Noone from XX/XX/XXXX - to XX/XX/XXXX - so what address did they send to? She refused to provide an address. She then said she needed to transfer me to security so that they can get the correct address from me ( despite them already sending me a bill previously ). She also mentioned that the investigation may take XXXX  days. I told her that I was first told XXXX - now she's saying XXXX. She said it takes up to XXXX billing cycles, not exceeding XXXX  days. XXXX billing cycle is XXXX  days - so nothing she said makes sense. 

She then transferred me to security, and I had to provide the address again. 

It seems as though I'm just being told misleading things. I haven't received anything regarding the investigation, and I don't understand why the company is still reporting the account as active to the bureau.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, as well as 15 USC 1681 section 604 A section 2 states also that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a open end consumer credit plan as late for any purpose. 

Not only is it violating my rights, the balances are not accurate as of XX/XX/2023 and accounts have been paid down in XX/XX/2023 and carry either a XXXX balance or low balance. 

The following accounts are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

A few weeks ago, I received an unexpected certified letter from a law firm representing Portfolio Recovery, detailing wage execution procedures with various numbers and percentages. The letter lacked any explanation of the underlying debt. It stated that I was being sued and had XXXX  days to respond to both the law firm and the court.

I promptly responded, expressing my confusion as I had no knowledge of the debt in question. Despite my response, I received a subsequent letter from the law firma copy of their communication with the courts finance departmentrequesting a constable to enforce the wage execution.

Shortly after, I was informed by the court that my objection to the wage execution was denied. I reached out again to the finance department, the law firm, and the court, reiterating that I had no information about the debt, had not waived any rights, and suspected a scam, as there was nothing related on my credit report.

As a resident of New Jersey, I am aware that the statute of limitations for such debts has long passed. Nevertheless, I have now been assigned a court date for next month, as Portfolio Recovery aggressively pursues this wage execution.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX XXXX an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : CCB/ALPCOS Account XXXX Balance updated XX/XX/XXXX Credit limit {$8500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$0.00} Highest balance {$7200.00} Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE 1000 ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED
Consumer complaint received 2024-06-22
Product: Credit reporting 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)

On XX/XX/2024 XXXX XXXX XXXX XXXX  added a derogatory mark to my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Media Collections, Inc (MI)

I called XX/XX/XXXX after receiving multiple calls from their XXXX number. I asked for a debt validation and verification letter to which the woman on the phone refused to send it out. She provided me with a reference number to pay the bill online but said she will not send out a letter. They have not only called me multiple times throughout the day/week they are making it even more difficult to verify information for said debt if there is any because I couldn't know as I haven't gotten any verifications or validations.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

ACCOUNT NAME : COMENITYCAPITAL/XXXX Account XXXX Balance updated XX/XX/XXXX Credit limit {$8500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type : Revolving Status : Charge-off Status updated XX/XX/XXXX Past due amount - Highest balance - Monthly payment {$0.00} Additional info Responsibility Individual Account Terms- Company sold - Original creditor - Comments CHARGED OFF ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number By mail only
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (NY)

I tried calling Tempoe LLC to find out what the collection for {$1000.00} on my credit report is but have been unsuccessful in getting the information. The debt is ruining my credit and I have no knowledge of what it is for. The number is automated and I cant get a live person to answer and help me.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC (KS)

They never sent me a statement so I did not know I owed anything, the charge me a {$45.00} late fee and and other fees I did not know of, when I told them to cancel the credit card they said they can not till I pay them. This credit card company is Revvi, it-is a high interest card out of XXXX XXXX XXXX Sd. I never used the card at all