davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (GA)

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/1994 FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TD AUTO FINANCE conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TD AUTO FINANCE will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a security deposit refund check from my previous landlord on XX/XX/2023 named to everyone on the lease. The check was for {$4300.00}. Everyone signed the check but my checking account was frozen and later closed without the funds being released to me. If I hadnt called Chase would not have informed me they needed to verify the other names on the check. However, they could only verify them using their system and no one came up in their system not even the apartment complex that wrote us the check. According to Chase we could not all come to a branch with the check and multiple forms of ID to prove it was us who the check was made out to. The funds are now suspended and Chase says they cant do anything to release those funds to me since they were never verified. This has caused emotional and financial strain on everyone named on the check. We have exhausted every other possibility to get those funds. I have called Chase multiple times, my previous landlord, and the issuing bank, XXXX XXXX XXXX, to resolve this issue but they all say it is out of their hands.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem
Consumer complaint received 2020-11-11
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: EQUIFAX, INC. (NY)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2023-01-02
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: Onity Group Inc. (CA)

In Accordance with the fair reporting act, this creditor Has violated my Rights under 15 u.s.c 1681 section 602, states I have the right to privacy 15 usc 1681 604 A section 2. states a consumer reporting agency can not furnish a account without my written instructions15 usc 1666b states A creditor may not treat a payment on a credit card account, under A open end consumer credit plan as late under any purpose
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

I have a XXXX XXXX credit card. Wells Fargo is saying that I transfered an amount to their credit card but are sending everything to an address that I lived at over 20 years ago. I didn't make the supposed transfer. I live in XXXX. I have received 2 emails from them and nothing else. I've called about the issue 50-75 times now and get put on hold for 15+ minutes. Majority of the calls last over an hour and this has to be the worst phone service that I've ever dealt with. Why am I the one who has to call them when there's supposingly an issue on their end? I was also told from 3 different reps that the account was closed and reversed and I had nothing to worry about. There was about 1-1 1/2 month gap and then I received an email about a late payment about an account that was supposed to be closed. I'm confused on pretty much everything about Wells Fargo. Everyone I mention this to tells me that it's probably a scam and to stop calling them because they do ask for my information every time I get transfered which is at least 5 times per phone call. I'm not sure if I should be worried. They also mentioned that I have made several transactions with the card/account but I've yet to hear where the location of the transactions are. I guarantee they were not made in XXXX.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

An application for SAVE IDR was submitted the first week of XXXX and I received notice that it should be completed in about XXXX weeks and that I would receive updates on the application status every XXXX days. I was notified that due to the increased number of applications, processing time would take longer than expected, however, no timeline for the expected decision on the application was provided. Due to an over two-month delay in processing of my IDR ( SAVE ) application, my loan payments were placed on administrative forbearance and continued to accrue interest. While it was expected that interest accrues during the first month payments began in XXXX the delay in processing has resulted in three additional months of accrued interest, totaling {$6900.00}. I have emailed Nelnet and spoken to a customer service representative regarding this and was told I would be responsible for the additional months of interest while the IDR application was being processed. I was also told that due to Nelnet and federal agencies not having an adequate number of employees after budget cuts, the processing times for IDR applications took longer than expected. The poor planning on behalf of Nelnet and the federal government should not make me accountable for the additional interest that was accrued as a result. My application was submitted in early XXXX and I expected to be making payments in XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (FL)

I recently had a business transaction done where a customer paid me {$7700.00} for my services. CHASE WePay decided to hold these funds for 120 days from XX/XX/23. I provided them all information about my business, including invoices, etc. They decided to continue holding my payments. I do not understand why they are continuing to hold. They stated it was because of high risks of chargebacks or disputes. Since that day, I have not received any chargeback or dispute notifications for my business for that transaction. I would like my money back. This caused a lot of stress for me since the customer paid for a service and the funds never arrived to me. I also reached out again in XXXX and they gave me the same answer, that the funds would be reviewed for release 120 days from XX/XX/23. Im tired of waiting and would like the funds released.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

On XX/XX/22 I opened a U.S. Bank Smartly Checking account, with the promise of {$500.00} as a bonus for depositing over {$6000.00} or more in direct deposits. In addition, the fine print also stated that you needed to have mobile banking and you could not have a previous account with the bank within the last 24 months. The offer code of XXXX was attached to the application and the the application was directly submitted from the US bank website. No third party sites were used. The deadline to receive the bonus happened last week, and now the bank is stating that this offer was a targeted offer only and Im not eligible. This bank and its promotional offers are deceiving to clients, as the bank uses a bait and switch approach to lure its customers to open accounts and not pay out the bonus. They have multiple offers for checking account bonuses and each one worded differently. There was no verbiage of XXXX  Offer in the disclosures. Ive tried to reach out to the bank and they tell me that the offer was a mistake, or that there is nothing they can do because it was targeted ( which there was no verbiage ) of that being a case. I literally got the offer code from their site. Be careful about using this bank and their offers.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Birthdate : XXXX  FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TRUIST BANK conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TRUIST BANK will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Consumer complaint received 2023-02-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Southwest Stage Funding (NJ)

I applied for a XXXX mortgage through Cascade Financial Services based upon their rules and criteria as stated on their website and I received a Pre-Qualification Letter dated for XX/XX/XXXX, in the amount of {$71.00}, XXXX. The website states that a certain XXXX had to be met, minimum and maximum loan amount, single-wide or multi-sectional homes are eligible, 5 % down payment, debt to income ratios as high as 50 %, and loan terms XXXX years. 

After receiving Pre-Qualification Letter, I made a deposit in the amount of {$1000.00} to purchase a single-wide house from XXXX XXXX XXXX XXXX XXXX WV. The sales contract is in the amount of {$67000.00}. I shared with XXXX that the house would be placed on property that I purchased in West Virginia as the XXXX XXXX  is for the house only and not the property ( land ). 

The loan then moved through the Processing Department of Cascade after sending the required documents but on Friday, XX/XX/XXXX, I received a phone call from the Processing Manager explaining that the loan was denied by underwriting because of a deed that is in my name for a property in New Jersey. She also told me that underwriting denied the loan because of a foreclosure on the property. I explained a foreclosure is not on my credit report therefore your company is making up things that are inaccurate. Then she explained that underwriting denied the loan because of a past bankruptcy that was discharged in XXXX of XXXX. After listening to all the excuses for denial by underwriting, as per the Processing Manager, I believe the mortgage application was denied because of my race ( I'm bi-racial ).
Consumer complaint received 2023-07-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

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.

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 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/23. I went to a XXXX XXXX made a purchase. store was very busy. After I purchased the items I was driving home and got an alert from chase that someone was trying to take {$1000.00} from an ATM in XXXX XXXX on XXXX XXXX. 
I immediately informed them it was not me using the card because I had just left the store with my purchase. 
I called Chase and they were going to investigate it. They said the money would be put back in 12 hours. The following day the money was in my account. Then it was removed the same day. 20 days later my account was in the red! They deducted the withdrawal on XXXXXXXX XXXX. They removed my money I called the fraud department, and they denied my claim and said their wasn't anything they could do since my pin number was used! They suggested that I wrote the pin # on the card somewhere. I would have never known if thos transition was done if they wouldn't have notified me. The ATM thst the person used has camera 's or video. Also the XXXX XXXX has camera 's on when I was in line and left the store with the people around me. Social security is my only income and they are letting this thief take my money. This is fraud. My card was stolen at some point and I have never given my pin to anyone or family member. I know I'm just an old XXXX but this bank is doing the wrong thing to me. They notified me! They knew it was fraud and have pictures who took my money out of the Atm in XXXX XXXX. Please help me collect my money back.
Consumer complaint received 2018-09-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (MD)

I noticed this company on my credit report not once but twice with the same amount of debt with two different account numbers. I attempted to call the company and advise them that they should contact the school regarding the matter. I was a involuntary withdraw from online classes due to a car accident that left me incapacitated during the time class were in session. Therefore the debt that have as owed is incorrect. I gave the company my attorney information however, they have since done nothing about this. Not only do school policy relieve me of financial obligation but so do federal regulations. I was hospitalized for almost one month putting me behind in the class. I was not able to attend and NEVER logged back in after the accident happened. I only called the school to advise them of what happened some time after by way of attorney.
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (OH)

On XX/XX/XXXX. Our accounts were levied by the IRS. It was supposed to held for 21 days per the IRS Code and the letters that Key Bank was served. We resolved the issue on the XXXX and they sent Key Bank the release. We called on the XXXX to see when we can expect the funds to be redeposited from the hold. At that time. They told us that the funds were gone. That they sent them to the IRS already. It was a mistake. Nobody knows where our funds are and nobody knows when we are getting them back. This is roughly 20k. Would love assistance. Thank you.
Consumer complaint received 2023-09-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC (SC)

XX/XX/2021 this this vehicle was in a car accident and was totaled and I was not aware of this showing up on my credit report as an repossess when this car was totaled due to an accident. How can you put repossession on my credit report when this car was totaled due till a car accident. This is really stop me from purchasing a vehicle because its showing up as an repossession on my credit report when car dealerships is pull my credit when this vehicle were totaled two yrs ago and my insurance paid this car off
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I attempted to contact XXXX XXXX XXXX & XXXX XXXX XXXX XXXX since XX/XX/2018 and even sent a written correspondence requesting that they remove an inquiry that was reported on my Credit Report that I did not authorize. 

They informed me that they have no information on file for me. They told me they would have the inquiry removed and never removed it. 

I tried to reach out the all three credit bureaus ( XXXX, Equifax & XXXX ) and was told they will not remove any false or inaccurate inquiries and I would have to contact the " furnisher '' myself.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

XXXX Has been texting me on behalf of XXXX XXXX XXXX ( XXXX name ) They are running an internet scam. I got the answer correct to their quiz, and then send money with a promise to get a bigger return which of course never happened.