davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

I was unaware of the unauthorized use of my card until it was declined for a very small purchase in early XXXX. I Called them immediately and I was told that the reason was because they suspected fraudulent use and that they had tried to contact me and couldn't. I did not receive any such mailing ; they have my cellphone number email address and work number. I was assured that I would not be responsible for charges that I did not make or authorize. I have been working with Target fraud department and hoping to resolve this issue to no avail. I did receive questionnaire asking which charges were fraudulent and I sent paperwork back. Only to receive the very same paperwork sometime later. That was a problem because I didn't retain a copy and requested they send another which they did not however on XXXX XXXX XXXX  I discovered the information and resent it certified mail to the address provided. I have received a bill from Target that states Only that " this is an attempt to collect a debt '' and asks for a payment of XXXX payment on the full amount of XXXX. These transactions are for several fast food purchases made on the same day and several online purchases including from Target and sports equipment stores that they did not tell me what the items are. Several alcohol purchases online to other states and even to XXXX. They were not made or authorized by me. And I made that adequately clear to a customer service representative who told me that the letter should not have been sent because the issues were clearly still under investigation And that the have erroneously categorized it as a dispute rather than Fraud. This has been unresolved since XX/XX/ and involves charges from as early as XXXX XXXX XXXX The bill sent to me prior to the statement in question had a balance of approximately XXXX XXXX
Consumer complaint received 2023-10-03
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MS)

on XX/XX/2024. I made two claims on my wells fargo account. Both claims were denied without full explanation YET wells fargo canceled my card and sent a new one out. I called to get additional money info as to why it was denied and there was no reasoning given to me. If wells fargo was planning to deny my claim why even cancel the card? The buck stops here! I want my money refunded and I will be taking my business elsewhere as soon as my funds are returned!
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

XXXX ) On XXXX XX/XX/XXXX the lender took {$5500.00} from my escrow account and had the description as County Taxes. 

XXXX ) I didn't notice the discrepancy until XX/XX/XXXX when I was checking on my property 's tax balance and found out that the actual tax amount was only {$1000.00} and that it is actually still unpaid. 

XXXX ) I followed up immediately with the lender and after many email and call exchanges, I started getting responses that they confirmed with the county and county confirmed they paid it and it will update in a week or so. 

XXXX ) In a week or so I check and nothing is updated. I call the county and they confirm there has been no communication from my lender regarding my property. 

XXXX ) Realizing that I have consumed all reasonable routes with the lender and that if they do not fix it, the property tax will start accumulating interest and ultimately hurt my credit, I gave the lender a deadline. I gave the lender a final chance to do the right thing and pay the taxes or I will escalate and report them for financial fraud investigations. 

XXXX ) On XX/XX/XXXX the lender paid the due taxes plus the accumulated interest for a total of {$1000.00} which I confirmed on the county records that they received the payment on XX/XX/XXXX. However, the lender still did not refund the {$5500.00} they took from my escrow account on XX/XX/XXXX. 

XXXX ) I gave them sometime to adjust records and such and on XX/XX/XXXX, I following up again confirming that now I see my property taxes have been paid ( and they charged me another withdrawal for it from Escrow ) and asking them to make sure they refund the amount that they mistakenly withdrew earlier on XX/XX/XXXX from my account. 

XXXX ) On XX/XX/XXXX the lender responds to my message saying that my account is now short in the amount of {$5500.00} ( which they have wrongfully withdrawn from my account and do not know where they spent it ), and that I have insufficient funds to male all the necessary payments for property taxes and insurance. 

XXXX ) I followed up again on XX/XX/XXXX explaining the issue and again asking them to take care of it before XX/XX/XXXX or I will have to report them for financial fraud. 

XXXX ) On XXXX XX/XX/XXXX I received a message from the lender apologizing for the inconvenience and asking me to check back again on XX/XX/XXXX. 

Now it is XX/XX/XXXX, and I still have {$5500.00} that the lender took by mistake from my escrow account on XX/XX/XXXX and they are not showing any concern or real steps to refund it to date. 

Your help is highly appreciated,
Consumer complaint received 2023-10-03
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (KS)

I have been charged interest 3 times on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a 12 month interest free promotion for purchase over XXXX $ made at XXXX XXXX XXXX  The fraudulent activity nos from the company that issues the card that company is comenity also known as bread financial https : //d.comenity.netXXXX  They would not assist me without going to XXXX XXXX XXXX and having one of their employees call comenity, they were on the phone with them for over 2 hours while I was there..this was in XXXX XXXX XXXX I believe, I heard the employee from comenity confirm with XXXX XXXX that the interest would stop being applied namd they would credit me for the 2 interest payments they have already taken..well they took interest again,, I called on XX/XX/ amd tyey said it would be escalated to a review,, amd thats ridiculous, intold them they are scamming people I would love for someone to look into this and assist people being taken advantage of..the employees at the XXXX XXXX XXXX in XXXX XXXX XXXX are aware of this problem and have to assist other customers as well ... they even told comenity they were being dishonest with customers please help!! 
XXXX
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC (CA)

I had a mortgage with United Wholesale Mortgage and they granted a 3-month forbearance due to the coronavirus. I received notification that the forbearance was granted, yet I got a message that they sent a bill ( during the forebearance ). Then they sold the mortgage to XXXX XXXX XXXX. I called United Wholesale Mortgage to ask them to send accurate information and they did not, instead they reported me to XXXX. Then I received notification that XXXX XXXX XXXX  had transferred the forbearance, today, I received a letter from XXXX XXXX XXXX saying that I'm two months behind.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MS)

Citibank has been giving me the run around interms of my account. I was told that my account was being closed back in XXXX and that they were sending my funds that were in my account via check and the XXXX  could not give me a reason as to why it was closed and than they are telling me my account was reinstated just a whole bunch of lies they have hung up in my face. It has been longer than 90 days and they are still telling me the account is in process of closing they are the worst bank to work with and should be personally shut down because they do not try to help there customers.
Consumer complaint received 2023-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

I am writing to formally notify Fidelity Information Corp of my intent to take legal action against your company for the inaccurate reporting on my credit file, specifically the collection account with account number [ XXXX ] amounting to {$370.00}. I hold no knowledge or association with this account, and it is a clear result of identity theft. 

I was affected by a data breach in XXXX  with XXXX, during which my personal information was compromised. This incident has directly impacted my credit file, and I hold Fidelity Information Corp responsible for failing to adequately protect my personal information and allowing false and damaging information to be reported. 

I hereby request the following actions : 1. Immediate removal of the erroneous collection account from my credit report.

2. A thorough investigation into the source of this false information and its subsequent reporting.

3. Provision of all relevant documents, contracts, or evidence linking me to the reported account.
Consumer complaint received 2023-10-03
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (MS)

Ref # XXXX I received a preapproval letter for a personal loan. Around XX/XX/XXXX I inquired and decided to apply because the first lady XXXX XXXX was highly informative and polite. She needed information that I did not have available and I called back the following day. I spoke with XXXX from Utah. He was polite but instructed me to use the website. Which most companies do these days. The website stated that I had been approved and to upload the last three statements of the bank account I wanted the funds deposited into. I did that. Then I received an email on XX/XX/XXXX that my loan was denied due to " insufficient ability to repay ''. I assumed it was an error because I have my direct deposit split over a few accounts. I did write a letter to Discover asking for reconsideration and providing my last XXXX pay stubs to show that I could pay the loan back and explain that the purpose of the loan was debt consolidation. The XXXX monthly payment to Discover was hundreds of dollars cheaper then what XXXX currently paying to each company. I figured it was close to the XXXX mark, so I decided to call. I spoke to XXXX different people. XXXX was polite but he told me it was beyond his control, and I would have to reapply, but he transferred me to XXXX. She explained there was nothing she could do since the loan was denied on XX/XX/XXXX even though I was not informed until XX/XX/XXXX. I explained to her that I had written a letter and provided proof of income. She told me that Discover was not concerned with the income but the in 's and out 's of my account. That was not explained to me. I submitted the account that I use to pay my bills because I was going to be paying off bills with the loan. Also, I work at a bank and I didn't want my coworkers in my personal business. Any one at the bank can see into our accounts. She repeated there is no one here that can help you. It sounded like she was working remotely, so Im sure no one there could help me. She did not try to ask a manager or supervisor because this was a misunderstanding. A week or so later a man called stating he received my letter and the only thing I could do was reapply. This is unfair and misleading. Had I known what Discover was looking for I would've submitted a different account. Being a financial institution Im sure they're aware that customers can have multiple accounts. I would've been open to reapplying if I had made a mistake and If my credit score had not taken hit from the first application. I know that it has been a few months, but it just seems unfair and misleading.
Consumer complaint received 2018-05-03
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 — Problem with personal statement of dispute
Company: Sa-Vit Enterprises, Inc. (NJ)

I have three collection agencies trying to collect on the same debt and reporting on my credit report. Seriously, I thought is was against the law and I was protected as a citizen to keep credit pirates off my credit report. This sucks I can get a house or car because I have 9 collection debts and three collection agencies showing. IN REALITY I have none. I know it has been a write off and these collection agencies just want money. The have no proof this is my debt. I tried communcating with all of them but no one will delete the duplicate accounts. 
HELP!!!!!!!
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

I moved from Virginia to Illinois in XXXX after getting married. 
I did not know I was served to appear in court in Virginia till I returned to Virginia in XXXX and requested that XXXX verify my debt. This is when I saw that there was actually a hearing XX/XX/XXXX. Upon more research, I was served at XXXX, VA where I had not resided at for years. The last residence I had in Virginia was in XXXX XXXX. My addresses are all listed on my credit report so this was not hidden information. This debt was not even obtained in Virginia but in Illinois. They sent me the last XXXX XXXX XXXX XXXX had and that my most current address at the time of XXXX XXXX Illinois. The letter sent to me in the debt verification is dated XX/XX/XXXX and also dated to the XXXX XXXX address. So, XXXX knew I was not residing in Virginia, let alone at that address in XXXX. I'd always done a change of address with the post office so if anything, they had me served at the XXXX XXXX address, it would've been forwarded to the most current address. 
Because I did not show up ( because I was intentionally served at the wrong address ), they won their judgment and for years they have been adding interest and fees to the balance. 
This year they attempted a garnishment and had a lien on my bank account. I was able to get that dropped due to receiving child support and this caused and IMMENSE amount of stress as I was unable to pay bills and had to borrow money. Also, the bank in which they put a lien on, charged me XXXX that they will not return.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. 

XXXX, 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 an 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 2023-10-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose.

I am demanding this account be updated to paid as agreed and never late. 

Creditors Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report 12 student loans as paid in full and as agreed since XX/XX/2022 and they still are not reporting my loans as paid off and as agreed. See below Group Total Applied Applied to Principal Applied to Interest Applied to Fees* XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX  {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4500.00} {$4500.00} {$0.00} {$0.00} Total {$37000.00} {$37000.00} {$0.00} {$0.00}
Consumer complaint received 2022-12-08
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. (AL)

In accordance with the XXXX XXXX XXXX. The List of accounts below have violated my federally protected. consumer rights to privacy and confidentially under USC1681 account # XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights 15 USC 1681 section 602 A States I have privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting can not furnish a account without my written instructions. 15USC 1681c a section states no consumer reporting agency may make any consumer report containing any the following items of information. any other adverse item of information other than records of convictions of these crimes which antedates the report more than seven years 15 USC s 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.