davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

I opened an account with TD bank on XX/XX/2023 with a promotion that if I have a direct deposit post to the account I will receive a {$400.00} bonus I have completed the requirements by XX/XX/XXXX my direct deposit posted to my account in the amount of sent over XXXX XXXX was also a promotion to open a savings account together with the checking account and maintain {$10000.00} balance for 90 days which I completed as well. I was promised an additional {$200.00} for the savings promotion. I have called the numerous times inquiring when I will receive my bonus. I called on XX/XX/XXXX and XX/XX/XXXX and was assured that I will receive the bonus as promised by no later than XX/XX/XXXX. I still have not received it
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Armstrong and Associates, Inc (AL)

Account Number XXXX showing as Collection/Charge-off which means debt was already paid. Also per 15 USC 1681-2, 1681b, 15 USC 6802, per The Privacy Act of 1974 they can not report any adverse action on said report Nor report without my consent or verification of debt
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: A&D Mortgage LLC (IL)

Checked my credit and it dropped XXXX points and I was shocked. Checked into it, they added {>= $1,000,000} plus to my loan amount. I owe only around {$140000.00}. Now they say I owe over XXXX. Never received the money from them and didnt apply for the extra money either. Im close to trying to receive another loan, but now with this showing this amount and credit dropped. Never be able to buy another property with this problem.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-22
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. (FL)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This is a fraudulent account ; I did not open any account with this company.
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (WA)

I do not have any contract with this company and they are alleging I have a debt with them and have violated my right in consumer law to illegally collect this debt I am victim of identity theft somebody stole my personal personal identity and used it to obtain rental leases and other accounts I reported the fraud with police report ftc report to companies to then have the companies assign Me to a person who never answers the phone or follows back up knowing these accounts are fraudlent and do not belong to me. I had the accounts removed from XXXX credit agencies only for them to go to XXXX and report these fraudlent accounts I have tried everything to talk to somebody about me being a victim of identity but they purposely ignore me and try to report items to credit file after deletion
Consumer complaint received 2024-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PRIMARY RESIDENTIAL MORTGAGE (GA)

Hello XXXX XXXX, Attached is further evidence of the contract breach on behalf of PRMI for your review. 
>Evidence of XXXX XXXX XXXX to XXXX >Evidence of Payment Confirmation Post Sale to XXXX >Evidence of electronic funds transfer payment to PRMI XXXX Sale to XXXX XXXX from XXXX XXXX Please provide me with proof of the payment entry from ( my payment to PRMI draft date : XX/XX/XXXX ) applied to my loan account serviced by XXXX XXXX. I do not see such an entry ; can you please explain why that entry does not exist on my account ledger with XXXX XXXX? 
Again, we need not be at odds ; the Breach has been proven with clear substantial Evidence. I implore you to work with me for the continued prosperity of your company. I look forward to hearing from you by XX/XX/XXXX with my orders delivered regarding DEED OF DISSOLUTION OF SERCURITY DEED BY GRANTOR FOR LACK OF EXECUTION BY BENEFICIARY. XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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. (NM)

XX/XX/XXXX ; Purchased Vanilla Gift Cards from XXXX XXXX as XXXX gifts. XXXX {$100.00} cards were faulty. XX/XX/XXXX ; Notified company and they gave me an email address ( XXXX ) and case number ( XXXX ). I emailed requested information and was told to wait 3 - 4 weeks for a response. XX/XX/XXXX ; Called to check up on issue, and provided additional information, replacement cards should be sent out. XX/XX/XXXX ; Called to check status of replacement cards. Was told that case number and information provided did not match what they had on record. XX/XX/XXXX ; Called about case number, and provided additional information. Was told that information did not match what they had on record and could not pursue this matter and further .....
Consumer complaint received 2024-05-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/2024 I attempted to use an atm, I was trying to withdraw {$400.00}, the atm lagged, gave me an error message, then the display said amount requested {$400.00} amount dispensed {$0.00}. Initially, Id assumed maybe Id reached my daily limit, so I tried again, but at {$300.00}. Same delay, same error message, then again amount requested {$300.00} amount dispensed {$0.00}. Immediately I pulled up the Serve app to make sure there was enough funds available ( I had just received my tax refund, so that wasnt the issue ), but I noticed my account had been charged/debited the {$400.00} + atm fees, and the {$300.00} + atm fees. So I tried to contact Serve. Apparently since I NEVER received my personalized card, I have no way to speak to anyone or further my complaint thru the app or website or anything. I then tried again to reorder a personalized card as I never received it, but Im unable to because I already requested one months ago. 

Initially I was hoping maybe they would realize the error by the following Monday ( I believe it was a Saturday ), but nothing happened. Ive tried several times to contact Serve to no avail. Ive also contacted XXXXXXXX XXXX XXXX as that was the location of the atm I was using, via telephone at their corporate office 2x, via email to the owner of the company, and via their websites contact us feature. Including my name, phone number, email etc and letting them know my situation, even telling them Im just trying to cover my bases if they have any documentation of the atm transactions and then realizing that {$700.00} was not dispensed, either to prove to Amex or whatever. 

On XX/XX/2024, I sent a handwritten letter to the address listed on Amex Serves website for any dispute ( since I cant speak to a real person ), sent certified mail I have the receipts, but it was apparently only picked up today ( as I received the confirmation email this morning ). 

Thank you for your time and any help you can provide
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The account XXXX XXXX XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tenaglia & Hunt, PA (VA)

On XX/XX/XXXX my husband and I found out a lien was placed on our joint bank account. On XX/XX/XXXX we found out it was from XXXX XXXX XXXXXXXX for a XXXX XXXX which we have never had. Apparently the credit card was opened in XXXX using my social and my address and it was closed in XXXX. The attorneys who filed garnishment could not find my name on file. Neither could XXXX XXXX XXXX. I asked to claim fraud or identity theft and was told to contact the Credit Bureau... .the Credit Bureau said that they cant file a dispute on something that doesnt exist ... .nothing regarding this credit card has ever shown up on my credit report. I go to court tomorrow for a garnishment exemption hearing but then what? Does the Virginia statute of limitations come into play?
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Future Judgement Solutions (GA)

Please be advised, Future Judgement SolutionsXXXX XXXX XXXX &, XXXX XXXX calls me mutilpe times a day, They contuine to threaten to sue, or leave messsge about a debt that doesn't belong to me.I also asked for them to stop calling me XXXX XXXX and they have still continued to call.
Consumer complaint received 2022-10-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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: CAINE & WEINER COMPANY, INC. (TX)

I am filing this complaint to report illegal credit reporting activities conducted by Caine & Weiner Company , INC . Despite lacking the necessary authorization to operate as a credit reporter in the state of Texas, they have continued to report inaccurate information regarding my debt to credit bureaus. 
This violates the regulations outlined in Texas state law, which mandates that only properly licensed and registered entities are permitted to engage in credit reporting activities within the state. Despite my efforts to rectify this situation, Caine & Weiner Company , INC persists in reporting unauthorized and inaccurate information about my debt, causing significant harm to my credit score and financial well-being. 
I request immediate action to address this issue and ensure that Caine & Weiner Company , INC ceases all illegal credit reporting activities related to my account.
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (CA)

I contacted the XXXX, and sent in the XXXX different amounts of payments. Mr. Cooper keeps changing the amounts from XXXX, to XXXX, to the ever increasing XXXX, to XXXX, to the current, XXXX. They call these " subsidies. '' This could be anything they deem as a subsidy, which the previous mortgage company had the same amount each month, no added " subsidies '' or other strange and unorthodox terminology. 

Sadly, I am in the process of having to sell this much loved home, because the price of the mortgage continues to be a moving up without any real explanation. 

The current company is called, Mr. Cooper. The previous company was called : " XXXX XXXX XXXX, '' which sold my mortgage to the current Mr. Cooper company in XXXX XXXX last XXXX months have been a financial nightmare, due to the uncertainty that Mr. Cooper practices XXXX i.e., elevating the amount of the mortgage due each month. 

THE XXXX  has all the forms of the changing amount due, with the less than comprehensible rational for the changing the amounts. Moreover, there is no resolution in sight.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

I am writing to express my frustration with Truist bank. I have been banking with this company for a while & have been treated unfairly. I contacted Truist on about fraudulent charge on my account dated XXXX in the amount of {$240.00}. The charge is associated with parking boot removal fee. 

I would like to provide context for this dispute. On XXXX I parked my vehicle in a valid parking lot, which I believed to be a legitimate parking lot associated with XXXX XXXX. However, upon returning to my vehicle, I discovered that it had been booted, and I was required to pay a fee of {$240.00} to have the boot removed. 

Upon further investigation, I discovered that the company responsible for booting my vehicle is not a legitimate business operating within the city of XXXX. There were no no parking signs or subject to tow or boot notices in the parking lot, leading me to believe that my vehicle was parked legally. 

I did not receive any documentation or receipt from the company responsible for booting my vehicle, making it impossible for me to contact them to dispute the charge directly. I am unable to contact this company due to no information, I have expressed that to many different representatives that I have spoke with over the phone and have not gotten a resolution. I have been told oh well, you need to contact the merchant which I have advise they are not a real company. I even tried to dispute the charge on XXXX my account via the app. 

Once the dispute result were completed, I called to get an explanation why my account was not credited and spoke with a supervisor by the name of XXXX, who advised me this is fact was fraud and was going to be re opening my case. 

I attempted to call again on XXXX spoke with a supervisor who was very transactional & would not assist. 

I am requesting that the fraudulent charge of {$240.00} to be reversed and credited back to my account. 


Truist has been NO HELP with me getting my refund back. I have been giving the boot and pretty much an oh well, sorry not sorry
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (MD)

I filed two previous complaints, the first one was submitted but my bank disputed the wrong transaction so i made another one to correct it because its nearly impossible to get in contact with them. However the last complaint was marked as a duplicate when it wasnt it was to get them to dispute the right transaction. Please help me get this resolved because i really need those funds back and this process has been extremely hard and they havent started investigating the right dispute yet.
Consumer complaint received 2023-05-02
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: Waypoint Resource Group, LLC (WA)

WAYPOINT RESOURCE GROUP is using the Color of Law to publicize and furnish inaccurate and private information that has resulted from Identity Theft as defined by 15 USC 1681a ( q ).

A certified notice providing more details is being attached to this complaint and mailed via XXXX XXXX mail # XXXX XXXX XXXX XXXX XXXX You have 4 days to block this information pursuant to 15 USC 1681c-2 or further legal action can and will be taken against you.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

CHIME IS COMMITTING FRAUD BY KEEPING DISPUTED REIMBURSEMENT PAYMENTS & CHANGING THE STATEMENTS TO MAKE IT SEEM THAT MY ACCOUNT WAS CREDITED BUT NO MONEY IS IN ACTUALLY REIMBURSED TO MY ACCOUNT. I WAS ON THE PHONE FROM XXXX XXXX XXXX TIME TO XXXX on THURSDAY XXXX XXXX. IVE SPOKEN TO A TOTAL OF 24 REPS & SUPERVISORS. AS HIGH UP AS THE DISTRICT XXXX XXXX. I WAS DISCONNECTED A TOTAL OF 28 times MID SENTENCE LITERALLY BLAMING TECH.DIFFICULTIES FOR OVER A PERIOD OF XXXX. Day # 1- 5 TIMES. Day # 2- 28 times IN 7.5 HRS! Calling BACK EVERYTIME TO GET PUT ON HOLD FOR SIGNIFICANT TIME PERIODS.. THEN ..CLICK FOR 7.5 HRS STRAIGHT. THEY NEED TO ANSWER FOR THE HARASSMENT, DISRESPECTFUL, INCOMPETENT, & FRAUDULANT LIES & BLANTANT THEFT THEYRE COMMITTING! PLEASE GET BACK TO ME ASAP. WHEN I TELL YOU WHAT IVE BEEN THROUGH XXXX THIS JOKE OF AN ONLINE DISFUNCTION YOUR JAW WILL BE DROPPED & SPEECHLESS WILL BE AN UNDERSTATEMENT.!, WITH SINCERE RESPECT, .. XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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. (IL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC (TX)

These hard inquires on my credit report do not belong to me. its inaccurate information and its being reported on my credit. 
XXXX XXXX ( finance ) XXXX XXXX XXXX ( finance ) XXXX XXXX ( auto )
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

In XXXX of this year, I reached out in hopes of getting LVNV to remove these 2 fraudulent accounts from my XXXX Credit Report. I received a letter on XX/XX/24 saying they will not remove it without a Police Report. I am attaching the police report. For the last several years, LVNV/Resurgent has been harassing me and is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with LVNV Funding and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal. Even the print out said information may not be accurate. This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the CDIA laws!. **This collection account is not accurate, verifiable, nor is it compliant to CDIA or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory Metro 2 Compliance standards. As you are aware, these standards are clearly outlined in the CDIA 's nearly annual CRRG, which stipulates that any deviation from these standards risks compromising the integrity of the data. Please DELETE ASAP! I am in the process of closing on a Mortgage in a few days and these 2 accounts are hurting my score. I request a removal within 3 business days and for XXXX to be notified to remove it as well because they are violating my consumer laws too by not making sure this was a legal and verified debt. XXXX was supposed to remove it while they investigated and never did or provided any proof outside of a copy of my credit report that said " Verified ''.