davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (WI)

The child support payments that I receive are deposited on to a Eppicard debit card by the state of Wisconsin. On XX/XX/XXXX I checked the balance on my card and discovered that there were 42 fraudulent charges to XXXX XXXX totaling {$330.00} between XXXX and XX/XX/XXXX and that the card now had a negative balance. It was clear that the transactions were fraudulent because I don't have a XXXX XXXX  account and I normally don't use the debit card for any online purchases aside from one or two specific places that I trust. I immediately called the customer service number listed on the card website. After waiting on hold for 62 minutes my call was finally answered by a woman with Eppicard. I explained the issue with the fraudulent transactions and I was stunned when she responded by being rude and accusatory, basically telling me that these charges had to have come from me or someone else I know. After answering all her questions she said they would have to close the account and issue a new card but it would be a {$15.00} fee to expedite the card to me. She then told me she would mail out a " fraud questionnaire '' to me which I'd get in 3-4 days and have to mail back. It would then take them 45+ days to conclude an investigation into whether it was or was not fraud!?! In the mean time, I am out XXXX XXXX because of the fraudulent transactions and the NSF fees that EPPIcard tacked on to the account! I have never heard of a legitimate bank or credit card company that operates this way! You would think that a legitimate card company would have a more expedited way to investigate and identify fraudulent charges! Most legitimate companies would have flagged these transactions as fraud to begin with! I logged on to my account today and see that the new card number is listed, but the XXXX charges, and the NSF fees are still on there. They even processed the XXXX transactions that were listed as pending yesterday! I don't feel that this has been handled adequately at all and I don't have faith that EPPIcard will do a thorough fraud investigation.
Consumer complaint received 2021-10-12
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. (OH)

I have sent three affidavit credit dispute letters starting on XX/XX/21. My written request was for XXXX to remove all unverified accounts from my credit report. One remaining account that is incorrectly reported is XXXX XXXX XXXX who sold the account to XXXX XXXX. Equifax and XXXX have ignored my requests and continue to report erroneous information on my credit reports. 

I have no signed contract with XXXX, no investigation of XXXX has been made to show an original credit application on file. Equifax has reported several accounts with XXXX XXXX XXXX XXXX, and XXXX XXXX of XXXX. I have been unable to look at my credit report with Equifax. XXXX has followed suit with several reports from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and others that have not been verified prior to adding the accounts to my credit report. 
Under Section 609 & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it has not been verified. I have been ignored by XXXX, Equifax, and XXXX. I demand that this illegal way of reporting ceases to exist on my credit report.
Consumer complaint received 2021-10-12
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: DLC, LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advantage Collection Professionals, Inc. (MN)

I have a complaint against the XXXX company, they say they sent the validation letter in 2020, but so far there is no letter that their legal department will be in charge. Are they suggesting that they will send me to court? 
In the absence of validation and violation of the FCR, remove this account from my credit as soon as possible.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MN)

I initiated an ACH transfer of {$2500.00} from my TD Bank checking account to my XXXXXXXX XXXX checking account on or about XXXX XX/XX/2022. I got a " Transaction Complete '' message right away. However, I found out on or about the XXXX of XXXX that my online account was locked when I tried logging in. I contacted TD customer care on the XXXX, and a customer care representative told me that the transfer was marked suspicious and had led to my account being locked. 

After verifying my personal details as well as transfer related details, I was told that the account would be unlocked the next business day. 
I waited until XXXX XX/XX/2022, and my account was still locked. I contacted customer service again and after verifying my identity once more, I was told that the account would be unlocked the next business day and the transfer would go through. 

I waited until XXXX XXXX and still, nothing happened. I called customer service once more and expressed my frustration. After verifying my identity and other details one more time, I was told that the freeze on online banking would be lifted in a matter of 30 minutes and the transfer would be received on the other side in 2-3 business days. 

After waiting for ~7 hours, I called again and this time, I was told that I would have to walk into a TD branch to verify my identity for them to unlock online account. The representative told me that the nearest one was in XXXX XXXX, MD. This was physically impossible as I reside in XXXX, MN. The representative advised me to contact the branch directly to see if they could make an exception. 

I called the branch on XXXX XX/XX/2022 and the branch " supervisor '' was just as condescending. He told me that the only way to get the account unlocked was to walk into a branch. I was willing to send them copies of my documents in the mail and even provide additional verification over phone and email, but he did not accept any of it. 

It is a shame that TD continues to have such needless verification requirements of having to come into a branch when they don't have any branches in over half the country. My funds ( ~ {$5000.00} ) is stuck with TD and this is causing me great amounts of XXXX and XXXX 

I would like to request the CFPB to do whatever is necessary to help resolve this issue at the earliest and take action against TD Bank for causing great inconvenience to its customers.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX I received an offer from Chase to refinance my existing mortgage held with them. I submitted the online application and received a follow-up call from XXXX XXXX where she quoted a 30-yr fixed loan rate of XXXX a full point lower than my current loan that made it an easy decision to proceed with the refinance. The same day I submitted all requested documents and received the mortgage commitment letter on XX/XX/XXXX. On XX/XX/XXXX, I received a call saying that my HELOC with XXXX XXXX  would have to closed in order for the refinance to proceed. The explanation given was that XXXX XXXX is refusing to perform subordination. The same day I called XXXX XXXX and they were surprised by Chase 's claim and didn't have any records of Chase requesting subordination and in general, don't have any issues conduction the subordination process. I communicated back to XXXX and she promised to follow up with underwriters. On XX/XX/XXXX, I received an email from XXXX XXXX again asking if I made my decision to close HELOC. Again, I asked for a reason why it should be closed. This time the explanation is given was that Chase guideline restricts subordinate financing with a prepayment penalty. I asked for an explanation of how the prepayment penalty would come into play but was told to set up a call with their manager for an explanation. I sent two emails to see when manager XXXX XXXX is available to discuss but never heard back. On XXXX I received a voicemail stating that the subordination restriction is not set by Chase but by XXXX XXXX policy and Chase can not proceed with refinancing unless I close HELOC. Given that this is a regulatory policy, I asked for a policy excerpt referenced in this decision hoping to find an explanation of how the prepayment penalty would come into effect if I'm planning to keep HELOC open but received no response. On XXXX, I received a call from XXXX XXXX, again pressuring me into closing HELOC, and was told to lookup XXXX  XXXX XXXX policy online if I need further explanation. Followed up today XX/XX/XXXX but received the same no answer. 

As a result of Chase 's incompetence, deceptive practices, and, more importantly, indifference I am no longer able to secure a loan with other lenders with the same terms which I could potentially suffer financial loss for the next 30 years. 

Keep in mind that I am Chase 's long-time customer, with an existing mortgage through them, with perfect credit history, steady employment, and sufficient funding. This begs a question, what would be the faith of someone else less qualified asking Chase for a home landing?
Consumer complaint received 2021-10-12
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: Aargon Agency, Inc. (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-01-07
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XXXX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

some people online manage to got hold of my SSN, and theyhave used my social security number to create and another account in my CapitalOne credit card, they have all my information and they might collect loan on my name. please stop this as soon as possible.
Consumer complaint received 2021-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

This company Medical Data Systems has violated the Fair Credit Act I never received anything in the mail regarding any of these balances. I have no knowledge of these balances and I am disputing every last charge from Medical Data Systems. Medical Data Systems reported XXXX ( XXXX ) accounts and I want them removed immediately, I was not notified directly to dispute these accounts. 

Medical Data Systems -acct # XXXX for {$220.00} Medical Data Systems-acct XXXX XXXX for {$160.00} Medical Data Systems-acct XXXX XXXX for {$160.00} Maybe I should contact an attorney and sue this company Medical Data Systems for damaging my credit report with these accounts and balances. I will if accounts are not removed immediately from all three ( 3 ) credit bureaus.
Consumer complaint received 2021-10-12
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. (CA)

I have been disputing and challenging Respectfully XXXX, Transunion and XXXX on the issues of debt collections and Charges Offs of XXXX XXXX of unknown debts of {$6000.00}, XXXX XXXX unknown debt Collection Charge Off of {$6200.00} and XXXX XXXX Charge Off of {$10000.00}. 
I don't have Auto Loans or loans with none of this companies and I don't owed them this debts. 

Also there is Bankruptcy on my Transunion that needs to be deleted, this derogatory item is not on my XXXX or XXXX credit Reports. Why is this Negative items are on my credit report.. 

I am XXXX Lifetime, XXXX. XXXX, XXXX and XXXX are trying to collect from my XXXX XXXX pension. income and Violating my XXXX XXXX Civil Rights Act under Department of Justice. 

Companies and XXXX, Transunion and XXXX has been sharing my information with other financial institutions and companies without my Consent.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted Capital One Credit Card Company and XXXX Credit Card Company when I became unemployed during the pandemic since I lost my job due to covid-19. I contacted both companies as they requested to update them with my financial status every couple months. Both company, allowed a short forbearance and decided to report my account to the credit reporting agencies when I could not pay the monthly amount they sent. I could not pay for the credit cards and asked for forbearance until I can find a job and pay my bills. Prior to the pandemic, I always paid my credit cards on time without any issues. I am devastated that as a former loyal customer of both companies they can not work with me during my time of financial family devastation. Although I am still looking for full-time employment, both accounts are now in collections on my account. As a single mother, this is devastating as I try to get my life back together and provide for my family. This betrayal has brought me to tears, keeps me up at night, caused my XXXX, and makes me feel like a complete failure. They have sent my accounts to collections which has decrease my credit score and has a negative collection mark on my account. Please assist!!
Consumer complaint received 2021-01-07
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. (AL)

XXXX XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I have filed for police report and sent these to the credit bureaus for couple of times.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Law Offices of Robert J. Colclough, III (FL)

On XX/XX/2013 I paid a debt of {$120.00} to Allied Collections for XXXX XXXX XXXX on a product in which I never received. I paid the debt to avoid any derogatory remarks on my credit report again even after I still did not receive the product. 

And now 6 years later when it shows as a derogatory remark on my credit statement and I need it removed immediately.
Consumer complaint received 2021-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX my sister notified me that her account had been hacked and numerous charges had gone through. She suggested I check my account upon review there wS numerous transaction I had never made including some in other countries I've never visited. I filed a dispute with chime and they immediately declined the claim with in a few days. The response I received is the charges did not appear to be outside my normal spending. I explained these were from places I've never visited and asked what I can do to appeal this decision and they said without proof I can not appeal this disputes.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Mention in their Privacy Notice ; No Sale, No Sharing We do not sell personal information. We do not share personal information for cross-context behavioral advertising. We do not allow our vendors to sell this information or to share this information for cross-context behavioral advertising. 

However my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX, XXXX, Transunion, XXXX, and XXXX. XXXX did not engage in this Transaction. This is Infringement to my Privacy. 

I recently disputed XXXX ( XXXX XXXXXXXX XXXX ), because laws were broken in regards to my privacy. They responded and stated that they Service the account on my behalf, which is A violation under FCRA. ( Please See Attachment With The Statement ) ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Also Under the FDCPA Violations were broken as well.

~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In  XX/XX/XXXX  I was forced to do a short sale on my home in  XXXX  Idaho., The mortgage holder was Bank Of Americ a .  THey took a year to process the short sale and it closed lat e  XX/XX/XXXX  or early  XX/XX/XXXX . I  have waited the required 7 years to get a new mortgage, only to find that Bank Of America did not close out loan until   XX/XX/XXXX .In  the meantime they sold the loan to  XXXX   XXXX   , who ha s been lax in crediting deposits on time.   Im  XXXX , retiring in 2 years, a  XXXX  Vet., with a credit rating from  XXXX  of  XXXX , and  XXXX   XXXX . I just ask Bank Of America to end this nightmare before Im to old to have any more decisions.
Consumer complaint received 2021-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.