davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

TD bank utilizes a money transfer system named XXXX. This system was used by scammers pretending to be TD bank employees and calling with caller id displaying as " TD Bank ''. The scammers were able to penetrate the TD security system and generate text messages to the account holder ( me ). These XXXX messages were portrayed as transfers to the account holder for the purpose of replacing funds misappropriated from the account through unauthorized transactions. 
Two attempts at trying to rectify this resulted in two denials. The bank refused to provide any information detailing how the scammers access the account holders financial information to generated XXXX text messages transferring funds out of the account. I, the account holder never enrolled in the XXXX system. I was misled by the scammers due to the fact that they were able to generate texts from TD bank pretending to transfer funds to me when in fact they were stealing funds. No further information was provided as to how the scammers were able to access " secure '' financial systems and generate funds requests. The 4 transfers for {$500.00}, {$200.00}, {$200.00} and {$200.00} totaling {$1100.00} through XXXX were all to the same email and occurred consecutively on XX/XX/XXXX starting at XXXX. The fraud was reported to the bank shortly after the transfers took place. The bank fraud department employee was questioned as to how 4 transfers to the same destination in a matter of minutes did not raise any flags. It appears there are no safeguards, accountability or monitoring of XXXX, transfers or account activity which appears suspicious. 
*****************************************************************************Original complaint was phone activity on XX/XX/21 with no case number or advisements presented. Follow up two weeks later with bank fraud department indicated denial without any notification to date. During the course of this phone activity, after being advised to file a police report, case number XXXX was assigned. Third instance of filing a complaint for further review by investigative management in case # XXXX resulted in a second denial again with no accounting of how the records were authorized XXXX document attached ).
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I filed a complaint against a creditor on my credit report about last payments.It was reported I was late XX/XX/2022 though XXXX 2022 of 60 to 30 days late. I disputed those late charges with proof of payment and those late payments was corrected except XXXX 2022. Again I'm sending proof of payment of XXXX, my payment is due XX/XX/XXXX I my payment XX/XX/XXXX according to my bank statement I attached as my proof. I was not 30 days late with my XXXX payment. Please delete late payment and update my report as payed as agreed
Consumer complaint received 2023-03-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date Opened : XXXX/XXXX/XXXX  Balance : {$71.00} or XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00}.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (CA)

I have made all the necessary steps to have my consumer report reviewed and get the accounts deleted because of inaccurate amounts, no investigations, and no deletions. The only thing thing they did was vertify this information and i did not give any written approval of putting my information on my credit report. There is a need to insure the consumer reporting agency 's exercise theri grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Any other adverse items are not to be written on my credit report. They have reported inaccurate information. I have written to them 3 times to conduct an investigations and they did not follow the laws when conduction these investigation because no one around me has been contacted by these agencies. I want them to deleted these items immediately.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

i recently reviewed my credit report and i seen there was a account that i did not apply for or authorized which violates my consumer rights under 15 USC 1861b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and i want this off my report immediately because it has a negative impact on my report
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I currently have a checking account with Chase bank over 2 years. On XX/XX/XXXX I received my federal tax return I signed the back and deposit the check same day through ATM. On the XXXX I called to check the status and was told by XXXX rep it was a XXXX  day hold, which I did not have a problem with. The representative place me on hold several times to come back and say she verified my refund check with the state treasury department while I was on hold and they verified the check and said the funds would be available on XXXX XXXX XXXX XXXX XXXX XXXX XXXX after speaking with that rep I get an email stating my account will be closed due to fraud because Chase seems to believe my check was altered. I called the number provided spoke with XXXX account XXXX she advise they would have to call and verify the check with the treasury dept and once they verify that the check is valid from them they would release the funds but if they can not verify before my account closes then I would have to request another check from the IRS. XXXX advise me to call back early XXXX morning to speak to the department XXXX refuse to transfer me to the escalated department. If Chase can call the treasury department to verify checks, why do my account need to be closed when they can verify my funds with the IRS. FYI my check was for a large amount.
Consumer complaint received 2023-05-29
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. (TX)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}
Consumer complaint received 2020-12-17
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: EQUIFAX, INC. (OH)

XX/XX/2016 I went to XXXX XXXX XXXX XXXX for a consultation. I wanted to know what my options were. Later Id started getting phone calls concerning payments, later in mail about a court date. Id called several times to speak with the attorney, I wasnt able to reach her, later was told she no longer works for the company. Filed a complaint with Ga XXXX XXXX, basically the attorney stated she could not make any statements because she didnt have any information in front of her. I simply went into the office to find out what my options were. I did not file bankruptcy.
Consumer complaint received 2017-04-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California (CA)

I have repeatedly requested that Collection Consultants of California provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2023-03-20
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. Please remove ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

In XXXX due to the holiday my direct deposit in my bank posted later than usual. I realized this immediately and contact Citi to ask how to correct the issue. The rep told me not to worry about. That they didn't see anything reversing. I specifically asked them about fees and if they would run the charge through multiple times and once again I was told there would not be an issues. A few days later I see that the payment didn't go through as expected and I submitted a second payment. But citi ran the first payment through a second time. So the second payment decline and then it was ran through 3 times. I asked citi countless times what the issue was. How i could resolve it. How I could get the fees removed off the account for the returned check etc. I was never given any clear direction from Citi. Suddenly after what I though was clearing up the payment citi closed the card because of returned payments. This is extremely unfair to me. I caught the intital issue and contact the bank multiple times about the issue and was never given a clear answer. I asked about fees, processing and everything and it was not until the card was closed that I was given clear information. Now I have a closed card and fees on top of it that they are requesting to be pay. Had I been told when I first contact citi that they payment would be tried three time this issue would have never occurred. In my attached screenshots you will see my multiple conversation with Citi bank. As well as emails from my bank showing the payment posting just slightly before the deposit did. ( which caused the issue ) I have had this card for almost 2 year and had NO issues. Never missed a payment in fact I paid half the balance every month. To be punished for being misinformed
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

I would like to draw your attention to XX/XX/year> - I sent my complaint letter to XXXX, in which I clearly stated how this scam has affected me personally, psychologically, and financially. I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, XXXX never acknowledges my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I refinanced into my current loan in XX/XX/XXXX. We were very conservative when taking out this new loan because our home is our families biggest investment. At that time we were a 2 income household and the increased payment was very affordable. Several years later, my loan was assigned over and over again to many banks due to them going out of business after the mortgage industry imploded. We stayed current and always communicated with our new banks. A couple years ago my husband was laid off from his job of several years and our now adult children were able to help out with our household expenses. We maintained until my son was in a car accident and was unable to work. We incurred expensive medical bills associated from this accident. This along with lessened work hours for me at work and the lack of income from my husband caused us to fall behind. We were now with SPS and this is when our troubles began. We reached out for help with our missed mortgage payments and in XX/XX/XXXX we applied for a modification. I was unable to complete the application due to not having the documents they were requesting. Our hardship was still very present-my husband still looking for work and my son 's therapy expenses taking a big chunk of my now full time income. As of today we are all doing much better. My Husband has found a great job and I am full time, my son is almost back to his old self. We reapplied for a modification on XX/XX/XXXX and shortly after I received a letter from SPS denying me for all retention options because we have a foreclosure sale within 27 days of the date of our application. This letter was dated XX/XX/XXXX, one day after they received our application- it was not reviewed at all just denied. When I called into SPS to go over the details of the denial I encountered a very rude representative that was just compassion-less. She was very difficult to speak with and combative when I asked her basic questions about my application. Again I am just seeking clarity on this denial as I do not do this for a living. I was reminded about how we applied last year and the file was incomplete. The representative basically advised that they are unwilling to help me today because there is a sale date on my property, that they already offered me a review and I didnt complete it. That was last year and my circumstances today are better than they were last year. I felt as though this person was very unnecessarily rude towards a homeowner that is only seeking to keep their home. I submitted a complete package and it wasnt even reviewed by them after all of our troubles this was very un-expected.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (HI)

I have been recently informed that there is negative information reported by your company, Sears, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see and entry listing a balance of {$970.00} as of XX/XX/2020. 

I challenge the accuracy, compliance and report-ability of this listing. I have no knowledge of every doing any business with your company. Please validate this information and provide me with copies of any documentation associated with this account, BEARING MY SIGNATURE. I am keeping careful record of your actions, including your Method of Verification. I don't consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this complaint letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (CA)

This is in regards to " BMW FINANCIAL SERVICES NA , LLC '' only. 
A complaint was filed on XX/XX/2020 ( Case XXXX ) against " BMW FINANCIAL SERVICES NA , LLC '' along with " XXXX XXXX XXXX XXXX, XXXX dba XXXX XXXX '' " BMW FINANCIAL SERVICES NA , LLC '' was served on XX/XX/2020. 
" BMW FINANCIAL SERVICES NA , LLC '' retained attorney " XXXX XXXX XXXX '' or " XXXX '' who is the owner of " XXXX XXXX XXXX '' Law firm. 
On XX/XX/2020 XXXX contacted me and left me a voicemail. 
Since the beginning XXXX is trying to confuse me and thinking she is an owner of a Law firm so she knows it all and I was born yesterday. 
When she contacted me on XX/XX/2020 she away told me to dismiss the case, but one needs to have a common sense that I prepared a case, filed it and then served it, took all the pains, not to dismiss it. 
XXXX is trying to be over smart, she behaves naive at lot of times as if she doesn't know anything and then other times she behaves as if I was born yesterday and doesn't know anything. 
On XX/XX/2020 she offered me {$2000.00} to settle the case and on XX/XX/2020 I agreed to that amount. 
After I agreed to that amount, XXXX stepped back and saying that her client is not agreeing to the amount and specially after the arbitration hearing. 
Now the arbitration hearing was pertaining to " XXXX XXXX XXXX XXXX, XXXX dba XXXX XXXX '' or XXXX, what is " '' BMW FINANCIAL SERVICES NA , LLC '' s business in that? 
Who XXXX is trying to make a fool of? To me or herself? 
I had a arbitration agreement with XXXX not with " '' BMW FINANCIAL SERVICES NA , LLC '' I would request the court to please ask XXXX of stop making a fool of me and speak to me directly and rationally about the matter. If she is an attorney doesn't mean other people are fool. 
She was the one who asked from the court not to include " BMW FINANCIAL SERVICES NA , LLC '' or " XXXX XXXX '' in Arbitration as " XXXX XXXX '' finds arbitration to be too expensive and difficult of a process. After she asked the court not to include " '' XXXX XXXX '' in arbitration, she is trying to make me a fool as if " XXXX XXXX '' is associated with XXXX in the Arbitration clause. If that is the case why XXXX doesn't ask the court for an arbitration for " '' XXXX XXXX ''? 
I also emailed XXXX on XX/XX/2020 to call me and discuss and she hasn't given me a call yet, its been 6 days. 

I want BMW FINANCIAL SERVICES NA , LLC to look into this matter.
Consumer complaint received 2023-05-29
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. (MD)

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 2023-03-20
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. (MD)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX  Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX
Consumer complaint received 2017-04-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I stopped in to the bank ( Huntington Bank ) XXXX branch to close an account and was shocked to hear the account was closed on XX/XX/2017 due to inactivity. 
There was not money left in the account because they charged a inactivity fee. 
I was never notified of this and they could not produce any evidence that they tried to contact me.