davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (VA)

TD BANK REPRESENTATIVE ARE INSTRUCTED BY THEIR SUPERIORS TO INFORM CUSTOMERS THAT THERE ARE ONLY 30 DAYS POST STATEMENT AND POST THE POSTING DATE OF A DISPUTED TRANSACTION TO INTITATE A DISPUTE AND THAT THE ONLY WAY TO INITIATE A DISPUTE IS TO HAVE A TELEPHONE CONVERSATION WITH THE REPRESENTATIVES. BOTH ASSERTIONS ARE FALSE. THE FAIR CREDIT REPORTING ACT REQUIRES BANKS TO ALLOW 60 DAYS POST STATEMENT DATE, NOT POST POSTING DATE, FOR CUSTOMERS TO MAKE A DISPUTE. SECONDLY, THE FORM IS AVAILABLE AT 
https://www.td.com/ca/en/personal-banking/documents/pdf/credit-cards/TD_dispute_form.pdf
ALONG WITH FINDABLE INSTRUCTION ON ITS USE WHICH ARE DUPLICATED IN THE FORM. THIRDLY THE FORM INSISTS THAT CUSTOMERS SELECT ONLY ONE OF EIGHT AVAILABLE CATEGORIES. THIS CAN BE BYPASSED BY SELECTING OTHER OR NONE AND COMPLETING ALL RELEVANT SUBSECTIONS UNDER SECTION 5, ALONG WITH REMARKS
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX flagged a collection account on XX/XX/2021 for {$980.00} for original creditor XXXX. The amount was paid in full on XX/XX/XXXX. Please see see attached correspondence from both XXXX and XXXX XXXX XXXX that account is paid in full and closed.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (CA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (VA)

have been a Chase United Milage plus explorer for a long time, I had no issues till recently, when I found a charge of XXXX $ XXXX in one day dated XX/XX/2016, The XXXX documented as XXXX.TX, I talked to customer service and they first told me they will send me a refund for the total of XXXX $ refund check ; when I did not see the check I called and was told that this charges are fraud and they will open an investigation on it, I kept on calling for follow up and I was told although the charge is reflected on my statement I do not have to pay util they evaluate ; on further contacts with them I was told this was not a fraud but a dispute, and they will look into it, until XX/XX/2016 I received a letter stating that I had authorized those charges, and have to pay for it! 
I am attaching the letter and the charges indicated in it for your information, Sorry about the doodles in it I did not know I will end up sending this to you, those doodles are a small part of my communications with them, I have called Fraud dept several times and dispute department several times, last call was last night with dispute department the agent connected me to the charging merchant XXXX XXXX XXXX after several rerouting we were told that those charges are not originating from XXXX XXXX XXXX. 
I have many issues here : 1 ) When such aberrant charge occurred on XX/XX/2016 x XXXX on the same day why Chase card services did not alert me? 
2 ) If XXXX XXXX XXXX states that the charges were not originated by them why the letter says that I authorized the charges? authorized who? 
3 ) Why customer service, fraud department and dispute section gave me run around transferring me from one dept to another and to XXXX XXXX XXXX? last call took exactly 2 hrs 4 ) When customers pay a yearly fee are n't we suppose to be helped rather than asked to directly talk to the merchant? 
I appreciate if you look into this and ask card services to credit my account on the total amount of XXXX $ XXXX for I have not authorized any such charges. 
Thanks Sincerely XXXX XXXX Scanned Image chase.tiff
Consumer complaint received 2022-01-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX our house was damaged during Hurricane Ida. 
We filed claims with our insurance providers who paid a small percentage of the damage. 
The covered items were electrical, heating systems and unfinished Sheetrock plus a small percentage of contents which was approximately 30 % of our actual loss. 
Both insurances provided funds to repair the house but because we have a mortgage with JPMorgan Chase, both claim checks included the bank as a payee. The bank deposited these funds into an escrow account and blocked the disbursement of funds to us. 
The bank then instructed me to sign into XXXX in order to manage the disbursement of funds. After the initial inspection in XXXX XX/XX/XXXX which showed that all the items covered by the insurance payments were repaired, the bank issued a small percentage of the claim funds and claimed that I needed to complete the repairs in order to receive the rest of the funds, even when the claim funds did not cover any of the additional repairs such as painting, moldings, etc. 
We were forced to pay from our savings for all the repairs which were completed at the end of XX/XX/XXXX. 
Since then, we called the bank numerous times to request the release of funds without avail. 
After calling both the bank representatives and insurancecheckfunds.com ( also part of JP Morgan Chase ) numerous times we were unable to get the funds released. 
JP Morgan Chase is still keeping these funds at the writing of this complain on XX/XX/XXXX. 
Even when we pay our bills on time, pay for the insurances, pay our mortgage and never fail to pay ANY bill, the process of collecting the insurance claim funds has been incredible difficult and time consuming. 

In addition to this, after voicing our concerns we were told lies after lies by the bank employees. We were told that the funds were released twice but never received. 
Even XXXX shows all parts of the process completed for 2 months now but the funds not yet released by the bank. 

However the biggest concern is that we needed to have savings in order to front all expenses. 
If we did not have available savings XXXX young girls, my wife and I could have spent this winter freezing in our own house because of the way the bank handled this process. 

We would really appreciate any help to fix this process for us and all others in need that may not have extra money saved and could be put in such dire situation. 

Is this even legal? 

Thanks.
Consumer complaint received 2023-07-20
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. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts blow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. # XXXX XXXX XXXX / Account 2. # XXXX Service/ 3. # XXXX Service/ 4. # XXXX XXXX XXXX  XXXX/ 5. # XXXX XXXX 6. # XXXX XXXX/ 7. # XXXX Service. 
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. ( aX5 ) Section : no comsumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C1681s-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 2022-01-30
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. (NY)

XXXX XXXX XXXX is reporting my closed account XXXX XXXX credit card usage as open and with 0 usage. This account is not active or open. XXXX XXXX is reporting XXXX XXXX as open.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 XXXX
Consumer complaint received 2015-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Platinum Holdings Group, LLC (FL)

I was contacted by " XXXX XXXX '' said he was calling from worldwide recovery and claimed to be in the legal department. they are using an auto dialer.. and requesting alot of personal information.. where Im living and my building number. also, said he were collecting on behalf of EQR for a broken contract. 

I spoke with EQR and we have a settlement agreement already on the outstanding debt. and they confirmed they are not affiliated with the said : world wide recovery company or Credit Management.. 

These people call me all the time. from different numbers XXXX, XXXX, XXXX, XXXX Etc. constantly threatening legal account. they say there are court processors. and filing a case against me. they tell me there send court processors to my house and work place. and they have warrants issued for me and my employers has been verified. Etc. 

XXXX man screamed and cussed at me then hung up on me.. XXXX Way to represent the Federal Courts XXXX XXXX Processor/ Attorney. ) they never say the calls are recorded nor identify where there calling from ( only say its a personal and legal matter and address everything by their names. ) I have had my number registered over a year on the XXXX list. and these people do not care.
Consumer complaint received 2022-01-30
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: Experian Information Solutions Inc. (FL)

This is a copy of one of many correspondences we had with XXXX XXXX starting in 2019. 

We had been with XXXX XXXX and XXXX XXXX nearly 8 hours and XXXX was in severe pain. XXXX XXXX took our drivers license and credit card and took them upstairs. We desperately needed to leave but could not without our license and credit card. We continued asking how much longer things would take and they kept running into one problem after another. We even asked for our license and credit card to be returned so we could leave, but XXXX XXXX would return to the room each time telling us that it would just be a few more minutes. We felt that we were being held hostage! We explained multiple times about XXXX health issues and told them that she was in pain, but no one would listen, and no one cared. Over 8 hours later we were finally given papers to sign. The notary continued having issues with the paperwork and when she would leave the room, XXXX XXXX would come back in with us. We purposely were never given a moment alone to talk about the contract. The documents we were signing were flipped through so fast we had no idea what we were signing or what any of it said. There was no time taken to explain anything. When we did ask questions, XXXX XXXX was there telling us that it was all information we had already discussed. 

We were made to believe what we paid monthly would be the ONLY expense involved. There is absolutely NO location that we are not forced to pay additional costs. 
We were not informed of the additional costs or fees involved and there is no way we can afford the monthly payments, additional fees, and the costs required just to travel. 
We have not been provided with the services or the product that we were promised. 
We were not provided with truthful or thorough information about this contract. 
We signed the contract under severe duress due to XXXX pain and our desire to leave after being held hostage for over XXXX hours. 
We were never told about the cancellation period until we wanted out. We were not given the opportunity to use the cancellation period as we were not able to access our account for 21 days after signing the paperwork. 
We were given 2 different versions of the timeshareone by the sales team and one by customer service when we tried to book a reservation. Customer service version of the plan was more inline with reality and not what was represented by the sales team. 
The above are all severe misrepresentations, and we continue to demand that contract XXXX be cancelled. We believe it is only fair to refund us for the amount paid on this account as it has never been used despite our many attempts.
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Issue 1. BofA allowed a XXXX transfer to be rerouted to another account in Kansas belonging to who knows. This was done by an individual adding my phone to their account which was done immediately prior to the transfer. Their ( BofA ) employees gave me the runaround until the time to file a claim ( which they would not allow me nor the sender to do, both are BofA clients ) had passed. Fraud told me they were aware of the problem. Had been for some time, and they are unable to do anything about it. ( Not even tell the customer. Cost me countless hours, a customer, and {$300.00} Issue 2 : fraud department made sure to place my card on high risk causing it to get locked repeatedly week after week causing me to go without food or beverage while working in the desert heat Issue 3 : Unauthorized loan placing XXXX in account which went mostly unnoticed and caused confusion as to why they did that. I believe they did so in just the manner to be able to collect the most fees from their clients. They are taking the XXXX back out and I m not paying it
Consumer complaint received 2023-07-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : 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 2022-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/21 I was scammed by someone who had hacked into a company that I was paying an invoice through. My initial email was from the actual company XXXX XXXX in Massachusetts the follow up email a day later was from the scammer who hacked her email including bank routing info to Chase Bank. I paid the balance of {$15000.00}. XXXX weeks later I received a phone call from XXXX pools that her email had been hacked and had paid someone else. I filed a report through XXXX XXXX XXXX but the could not recover the funds. I tried calling Chase but the would not help, they said along with XXXX XXXX XXXX without the permission of the bank account holder who is the scammer they could not relinquish any information. Sound absurd that they have any legal rights after stealing money. And electronic check in my account to Chase Bank made out to Chase Bank and cashed there, and no one could help recover my funds. 

Info from scammer. 
XXXX XXXX our chase bank for ACH payment and below is the details you need. 

Banke Name : Chase Bank Account Name : XXXX XXXX Bank address : XXXX XXXX XXXX, XXXX IL XXXX Account : XXXX Routing : XXXX Thanks, XXXX XXXX Sent from my XXXX
Consumer complaint received 2022-03-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (CA)

Since XX/XX/2021 till now, there have been reps from Navient that when I have explained to them I am on a health leave and dont have the means to pay they insist and insist that I get in a plan and make a payment. I have told them that I am also trying to finish up some courses that will help me get some income when my Dr takes me off the health leave. All I hear from the reps are that I need to get in some pay plan and if not I will be sued. What am to do then I say if they are not willing to help me then I will have to file XXXX I dont want to do that but their calls are only based on threatening to sue me they dont offer me any reprieve and yet there are other loans they put in deferred b/c I am In School yet these tLoans they are threatening to sue me for are not in forbearance and put a lien on any property I may own. Those to me are threats and no offer of help
Consumer complaint received 2017-06-26
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: Avadyne Health Holdings, Inc (IA)

There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

XXXX I faxed my " Loss Mitigation " Paper work to the XXXX AZ office. I called the phone number on the loss mitigation papers { which was completely different than XXXX Number } later that day to see if they received it and I was redirected to XXXX XXXX She told me it looked like they got some of the papers I sent. Then quickly changed the conversation to needing a payment I explained that I was calling just to confirm that my papers were received and that my husband would be calling in with the payment information. She yelled at me and said my husband and I need to get things straight. She said you have to answer to payments and continued to scold me on how I purchased a home knowing that I could n't afford it. She put me on hold and sent me to another representatives which would n't give me any information regarding my paperwork sent. She continued to harass me for payment. I felt like I was being " BULLIED " by these XXXX Green Tree Associates!! I had to hang up because I was brought to tears and for the first time I felt hopeless. I was scared that this new provider was out to take my home. We just recently got sold to Green Tree. Our last mortgage company was XXXX XXXX XXXX. Green Tree has no soul.. I 've never been subject to such brutal tactics. XXXX I called the loss mitigation number and XXXX XXXX Answered and again she would n't tell me what was missing from my submission of paperwork before she told me I had to make a payment. I told her she was wrong for treating me this way and that I 'm trying to get help so I could make my payments on time. She told me that she was sending me to her manager. XXXX is her name and she was completely understanding and told me what was missing and listened to my concerns and lastly before we hung up she reminded me of payment and I was cooperatives with confirming a confirmation on calling on Monday to schedule a date for payment. I know they are changing to XXXX in the coming months. I hope that they clean out the Rude and unprofessional associates XXXX.
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OneMain Finance Corporation (LA)

i started having problems after I bought a car at XXXX in XXXX XXXX XXXX, La. they took my deposit on my vehicle out 2-3 times ( i will know for sure when i get chase to show me my account ) they would do a REVERSAL on the deposit and other bills. I didnt catch on to the other bills until i got a letter saying my insurance had lapsed. I looked at my account and they were reversing bills repeatedly, XXXX would not do anything. I have had 3 personal loans taken out in my name, my credit cards ran up and my credit score dropped from a XXXX a XXXX. I was building a house and i lost it right before closing bc of my credit score. It was XXXX time. My kids were devastated and I feel like a failed mother and I dont know how to make him/her stop. Ive changed cards, banks, phones, and phone numbers A loan made with One main Financial for 8000, a loan for XXXXXXXX XXXX ( Ive never heard of them and dont know the amount. 

XXXX didnt help me when I asked them to put a freeze on account costing me approx 2500 and causing my insurance to lapse and go up 300a month. 

I have a XXXX XXXX  card where at least 1,000 isnt mine, XXXX  about 500, XXXX most of it and i cant get in the account t to make payments to stop the fees. My XXXX card Im unsure of because I cant get into it. 

Whomever this has a pic of me holding my license and ALL OF MY INFORMATION. 

PLEASE GIVE ME MY LIFE BACK I also just saw i have a ridiculous Amount of inquiries