davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NC)

On XX/XX/2023 I made XXXX transfer transactions to my chime account from my XXXX XXXX account. XXXX transaction in the amount of {$150.00} and a second transaction of {$520.00}. My account was fine with chime as I didnt have any problems with using my chime card until XX/XX/2023 as I received a email from chime stating that my account was on hold. I contacted them and I was asked to send them my identification card front and back as well as proof of me being the account holder of the account I transferred from. I did that no problem. I then receive a email saying my account is closed and I can not get any of my funds because it does not comply with the deposit account agreement. For more information please review the amendment and cancellation section of the chime deposit agreement. I went and did just that and read everything. I do not use my account for business purposes its my personal account as well as I dont have a business. I completely complies with each and everything they asked me to send to them and I kept getting the run around. I cant even get through to a representative via my mobile device at all as they have me blocked. This is rediculous all my information matches I didnt do anything inappropriate and again Im using my chime account for personal use never used it for business purposes in any way. Any assistance would be greatly appreciated.
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TD BANK, N.A regarding the violation of my right to open a trust account and the withholding of my intangible property. 

On XX/XX/2023, I attempted to open a trust account at TD BANK, NA. However, the bank refused to allow me to open the account, citing reasons that were not grounded in any legitimate banking regulations or policies. I believe that the bank 's refusal to open the account was a violation of my right to access financial services and create a trust to manage my financial affairs. 

Furthermore, I had previously deposited intangible property, including intellectual property, with TD BANK , N.A . Despite the fact that I am the rightful owner of these assets, the bank has refused to release them to me. This withholding of my property is also a violation of my rights as a consumer and is causing me significant financial harm. 

I have attempted to resolve this issue with the bank directly, but they have been unresponsive to my requests. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

I request that the CFPB investigate this matter and take appropriate action to ensure that TD BANK, N.A complies with all applicable banking regulations and returns my intangible property to me. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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. (TN)

Dear CFPB, I am writing to dispute the bankruptcy that appears on my credit report. As per the Fair Credit Reporting Act, it is my right to request correction of any inaccurate or incomplete information on my credit report. However, I believe that the bankruptcy appearing on my credit report is inaccurate and incomplete. 

I would like to point out that the Bankruptcy Court, as an information provider, does not report any information to credit reporting agencies or any other agencies. Therefore, the bankruptcy appearing on my credit report is not a result of accurate reporting. 

I request that you take appropriate action to correct this inaccuracy on my credit report, and that the bankruptcy be removed from my account as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2023-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OR)

Synchrony bank issuer of the Care Credit program decided to lower my credit limit. The issue is that per regulation b they are required to contact me in writing prior to the change which they did not do. They never even mailed anything. They sent an email to someone, and won't even tell me the email address they've been sending my personal statements and other notices to but were more than happy to confirm they're not sending them to my email or my mailing address. Another violation of regulation b.
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NEW WORLD COLLECTIONS, INC. (IN)

The repeated calls are on my end. I have called this company many times to pay my debt. I am never able to speak to a person. I always leave my name, date of birth, last 4 of my social, and my phone number requesting a return call. I have never received a return call and there is no other way to pay this company. The company is called New World Collections and based out of XXXX. I have even got on their website and sent them an email.
Consumer complaint received 2023-11-30
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. (RI)

In XXXX I opened a XXXXXXXX XXXX XXXX And XXXX i defaulted on that credit card. The three major credit bureaus conveniently do not show any historical data from XXXX or XXXX. This account should have been removed from my credit report already. I have repeatedly asked for that information and no investigation has happened.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (CA)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX Please delete these inquiries ASAP.
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (FL)

XX/XX/2023 I have been receiving a high volume of solicitor phone calls from debt collectors PENN CREDIT CORPORATION and attempt to collect a debt that I believe that I have not have Permissible Purposes FCRA 15 U.S.C. 1681 b Per FCRA Consumer have the rights Penn Credit Corporation committed acts of violations of the FRCA In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
15 USC 1692 Section 806 Section 5 Causing a telephone
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (DC)

A letter dated XXXX XXXX, 2016, from Nationstar Mortgage stating that ( XXXX ) I 'm currently behind on my payments which put my mortgage at risk. ( 2 ) It 's important that you contact Nationstar immediately before the foreclosure review process is initiated, which could lead to loss of the property. If you are interested in an option that would allow you to leave the property and avoid foreclosure, the Mortgage Release Program below can provide a graceful exit.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-04-27
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)

Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX in XXXX XXXX XXXX did not give XXXX  of XXXX XXXX purpose , nor did a court of competent jurisdiction issue an order for XXXX XXXX XXXX to furnish an inquiry to Transunion , LLC. XXXX XXXX XXXX and Transunion, LLC. have both been placed on a Cease and Desist regarding this inquiry. XXXX XXXX XXXX and Transunion, LLC. are both violating the Graham-Leach-Bliley Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, XXXX XXXX XXXX and Transunion, LLC. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer, did not receive any benefit from this transaction.
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (DC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XX/XX/XXXX I received notice from XXXX XXXX cards that my credit line was being reduced due to information reported to XXXX by Bank of America ( BAC ). Upon viewing my credit report in XXXX, I learned that XXXX reported that I missed a payment in XX/XX/XXXX. I reviewed my online statements and bank receipts and they both show I made a payment of {$500.00} was received by BAC on XX/XX/XXXX and I was never 30 days late in XX/XX/XXXX as they reported. 

I have filed XXXX disputes with XXXX to get the information corrected and each time BAC send different payment information that is still incorrect as of XX/XX/XXXX XXXX dispute # XXXX. As of today, the payment history shows that my last payment before the XX/XX/XXXX statement ( Which was send XX/XX/XXXX ), was XX/XX/XXXX. This is incorrect since I made a payment in XX/XX/XXXX for the payment due ( see attached records ). I was instructed to call BAC and I did XXXX times spending a total of XXXX hours waiting on hold or talking to representatives. Each time they acknowledged a payment was received on XX/XX/XXXX but failed to send the correct information to the credit bureaus. I believe BAC is not acting in good faith and is trying to cover up an error that their transaction data reporting system made. I believe they have violated credit reporting regulations. 

This has ruined my credit and put me in financial risk as my XXXX XXXX and history prevented me from receiving a capital loan for my business as well as caused other creditors to reduce the amount of credit I had available. I am seeking restitution and for the correct payment history information showing my XXXX XX/XX/XXXX payment to be sent to all reporting credit bureaus asap.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX continues reporting a late payment, depite me asking them to provide proof of sdaid late payment. I have disputed this with XXXX XXXX and Experiand and experian has simply updated my consumer report and " updated '' the account meanwhile this derrogative and innacurate information continues blemishing my reputation. In accordance with 15 U.S.C. 1681 ( b ) of the FCRA, I have not provided written permission for XXXX XXXX to furnish inaccurate information about my creditworthiness.
Consumer complaint received 2018-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

this issei is between XXXX XXXX XXXX  XXXX XXXX ct and XXXX XXXX and me, when i trade XXXX XXXX XXXX with over maileg and XXXX XXXX ADEED IT TO MY NEW MONTHLY PAYMENT IT WAS ABOUT XXXX DOLLAR but XXXX XXXX trying to force me for amount of XXXX that amount is over maileg and the rest is tax and this amount i already bay about 900.00 to XXXX XXXX XXXX and i have all decominte but they insist that balance of XXXX stel not bed tile naw. and toyota motor credit corporation sent me a letter on XX/XX/XXXX. XXXX. XXXX ACCT # XXXX, CREDITOR ACCT # XXXX, ACCOUNT BALANCE:XXXX. I HAVE ONE YEAR  GOING TO XXXX XXXX XXXX TO HELP ME BUT EVERY TIME I WENT THAR THEY NOT GIVE ME ANSWER THEY SED DO NOT WORRY WE WILL TECAR OF THAT. WHAT I CAN DO I NEED HELP PLEAS, THANKS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT
Consumer complaint received 2024-03-13
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: Bread Financial Holdings, Inc. (GA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NJ)

In accordancewitj fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states 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 credit cardaccount under an open end consumer credit plan as a late for any purpose. 
Specifically, XXXX XXXX and Synchrony Bank. Unable to provide original documents and continue to record unaccurate information on credit report as recently as XX/XX/2024. 
I have sent out, Certified letters and mail, requesting documentation to XXXX, with negative results.
Consumer complaint received 2018-09-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TN)

I have that in writing greater than 10 times for account information to include everything that has been charged to us, Payments we have made and where they have gone and any notes on the account. I have communicated in writing to Ditech requesting all of the above account information Because I dont agree with charges that were made for months. We have a VA loan and we have been charged more than one late fee for several months and I kept telling them that is not right and it can not be greater than 4 % of the payment. One occasion they sent me a XXXX XXXX  document ( that was manipulated ) and changed half the fees to NSF charges And I have communicated that this is not accurate in my bank statements can prove I did not get several nonsufficient fund charges.Ditech refused payment from the spouse and said they Did not have authorization to speak to me however Im the only one who makes the payments and they lost the authorization more than once. I have also had the VA reach out to Ditech to receive all the information and Three weeks later I received another manipulated document numbers did not match and it did not have any charges whatsoever Ditech charged. I am doing the math and I know thousands not be accounted for. I have demand of this information of all account charges and fees and payments And they are refusing to give me this information. They paid my homeowners insurance and drained the escrow account. I have asked repeatedly in writing why this was done for what reason and all the charges and late fees that were applied and additional interest occurred for a double late payment for months and months I do not agree with and I know this is wrong and against va regulations for servicers to do. Also my monthly payment has skyrocketed {$200.00} and this should not happen when taxes are lowered. Ditech is also a bully every time Im on the phone and collection practices are disgusting. They are breaking every consumer protection law and TRUTH IN LENDING law. I have never felt so bullied in my life. I can not see what they are doing however one of our VA representative was very vocal to make above all my other litigations, DITECH should be sued for XXXX!!! I see that they are a dirty company and Ive read about 60 other complaints within 2018 very similar. Ditech has a pattern. Ditech refuses to disclose ANYTHING true. Stop stealing and committing fraud!!!! Ditech is destroying families with their disgusting actions. Welcome to the start of your next class action.
Consumer complaint received 2019-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (MI)

they keep sending for me loan with fixed payment offer with your rsvp XXXX many times than i said let me try to get loan XXXX for XXXX $ a month but they say sorry your crdit score is XXXX and sorry we cant give to you my score is XXXX and they are scam they dont want to give loan why make for me offer is just discremintions they want to destroy my life for these actions i have house and iam in good to take the loan and they say take XXXX loan iam on ssi XXXX $ i can offered to pay for them why they don.t want to give loan its a game thanks
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The existence of late payment remarks on my accounts leaves me uncertain. In accordance with 15 USC 1666b - Billing Error, corrections should be applied if discrepancies are found.