davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (WI)

I was shopping online on the XXXX/XXXX  website for exercise equipment. In the process, the website stated credit terms and invited me to see what limit I would qualify at. I filled in the requested data and an amount was listed. I selected an item and placed the order. About two days later, I received a letter from TD Bank that my credit was denied. I immediately contacted XXXX and canceled the order due to the credit denial letter. The product was never delivered. I then began receiving statements from TD Bank that I owed them over {$500.00}. I explained to TD Bank what happened and sent them a copy of the denial letter. They continued to bill me even though I never purchased anything. When I contacted them they continually denied my requests for a review and threatened to contact my employer.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We charged to our account cabinets for our home on XX/XX/XXXX. The cabinets arrived heavily damaged and not as described. Original Charge was for XXXX. After countless emails and calls with the vendor they promised to credit us for the issue and replace the damages. We want back and forth for weeks and they never followed up on there promise that we have in writing in an email. We turned to BOA to file a dispute for an items not as described. We started our investigation with BOA and provided them all the details. We only disputed XXXX of the charge to cover the damages and the issues with the merchant. BOA at first denied our claim saying we provided the incorrect information. We called then back at once and wen over the information they requested. The rep said they made a mistake and the claim was reopen again. Fast forward 1 month and we got a denial letter again from BOA. This time they stated they needed a complete part list of the damages. We provided that to them within 24 hours. A full detailed list on what parts were damaged. They would not accept pictures to prove the damage. The claim was open again. Fast forward to XX/XX/XXXX and the claim was closed for a third time. I was on the phone for over an hour until I got transferred to a rep in Florida who handles these cases. She told me she would send me the documentation but we lost the claim with Visa and I need to take the merchant to small claims. I asked the case to be forwarded to the executive team and she also refused. On the phone she claimed there was nothing I could do and they lost. I am very disappointed with Bank of America. I feel they let me down and my claim from day one was not handled properly. Low level reps who handle these claims made incorrect decision 's. On a letter dated XX/XX/XXXX From Bank of America the letter stated the reason we lost the claim was We Didnt Receive specific Cancellation information or Documentation that was requested. They also claim we did not contact the merchant to attempt a return of the merchandise or request that it be picked up and that is a 100 % False. We requested that info several times and the Merchant denied our requests to return. We also have in writing the merchant agreeing to compensation for all the problems. We want the entire case reviewed from step one. We feel BOA handled the claim incorrectly and did not represent us in good faith to get the matter resolved, We spend thousands on this card because we thought we were protected for matters like this and BOA did nothing but let us down. Please advise on what can be done. We will attach our letters to BOA regarding this claim.
Consumer complaint received 2022-04-14
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)

THIS COMPANY DID NOT DO A PROPER INVESTIGATION ACCORDING TO FCRA AND ARE VIOLATING MY RIGHTS WILLINGLY. ATTACHED IS A NOTARIZED AFFIDAVIT OF TRUTH AND SOME COPIES OF HIGHLIGHTED INACCURACIES ON MY CREDIT PROFILE WHICH WERE DISPUTED AND IGNORED. THIS COMPANY IS ALSO IS VIOLATION OF 15 U.S.C 1681 sections 602A, 604A. I DID NOT GIVE ANYONE WRITTEN INSTRUCTIONS TO REPORT THESE ACCOUNTS TO MY CREDIT REPORT.
Consumer complaint received 2019-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc. (IL)

applied for XXXX  XXXX  credit card at the register in XXXX  XXXX  store.  Denied.  Attaced letter was sent as reason for denial....applicant reported as deceased....called Sagestream LLC 5times, left 5 messages and call was never returned.  Called XXXX  XXXX  who verified credit was pulled but had no idea why I was denied as I have a XXXX  account currently active with them.  Couldn't explain anything about Sagestream, how they work or why I was denied.  Representative told me over the phone that the attaced letter must be a scam and I should contact the social security administration to see if I've been reported as deceased. She told me XXXX  XXXX  has nothing to do with this and she couldn't help me.  Called SSA and everything looks fine.  I pulled my 3 credit Bureau reports same day and all looked fine that day however I'm not comfortable with Sagestream rep;orting me as deceased and XXXX XXXX telling me letter is a scam when I received it in response to their bank denying me credit for XXXX  XXXX  card. ( FYI  since I checked my credit reports I see the XXXX   XXXX/XXXX  XXXX inquiry has been removed).
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MI)

I paid off some negative things that was on my credit, because I'm trying to build and established credit. Once I did that I started getting a lot of emails saying I'm pre-approved for credit cards. Once I started the process I was getting turned down left and right, I couldn't even get a secured card. Now all these hard inquiries have dropped XXXX  score XXXX points. I was in a car accident and was in need of a car I went to XXXX XXXX XXXX to purchase a car, once they came back with an offer I refused and left. I went to a XXXX XXXX and was able to get the car I wanted with a low interest rate, but XXXX XXXX XXXX keep running my credit after I told them I didn't want to work with them anymore. I think that it is unfair that all these hard inquiries will be on my credit report for 2 years when I am trying to build and do the right thing. Credit card companies can lure you in to apply for there card with pre-approval emails know darn well they are not going to extend credit to you and be able to have a hard inquiry on your report for years. I also feel that once you leave a dealership they should stop try to run your credit to try and make a sale knowing that all those rejection will hurt your credit score even more.
Consumer complaint received 2022-01-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I recently requested a forbearance extension from Rushmore loan management and was told that it was denied by the owner of the loan. There was no further explanation. When I called to discuss this I was told that most likely forbearance were no longer being offered. I would like to appeal their decision and request a forbearance extension. I am only working part time due to my ssi XXXX and can not yet afford my mortgage payment.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My XXXX year old XXXX  father deposited a check from another bank - an investment account - to his Bank of America checking account. The investment account requires my father to verify the authenticity of the check. Bank of America rejected the deposit because his signature was shaky - due to his age. They did not call him or communication in any way with him but reversed the deposit from his account and then wrote him a letter, which he received EIGHT days later. He wrote many checks on the Bank of America account after he deposited the money on reliance of the deposit. 

The night my father received a letter I spent over two hours on the telephone with Bank of America. They refused to resolve this matter other than to say he had to bring a new check into the bank and hopefully it would not be rejected. I explained over and over to them t that the closest bank is not accessible for him and he could not get someone to do it for him tomorrow - we are concerned that the checks he had written were going to bounce causing him significant embarrassment and hassle. He just came out of 5 hospitalizations over the last 3 months. 

List of problems and refusals to help : 1. Rejected a deposit without any communication with the customer. 
2. Refused to redeposit the check once it was verified that it was written by the customer. 
3. Refused to stop any rejection of checks written on the account. 
4. Refused to have a manager with authority to handle the situation come to phone to address the situation or handle it prior to noon the next day. 
5. Refused to contact the fraud department ( department who rejected the deposit ) by email, phone or fax to advise them of the problem. 
6. Refused to have any communication with anyone before noon eastern standard time. 

As an additional problem, the first customer service person refused to validate his account with him any way other than by text. My father does not know how to use a microwave let alone text - he does not even have a smart phone. I did not realize that being old disqualified one from service at this bank.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

on XX/XX/XXXX, XXXX I sent letters to Credit Acceptance about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

I bank with chime and they suspended my account for some policy i broke that i wasnt aware of. I have over XXXX in that account and want my money back i even sent them the necessary documents needed to prove where the money came from and still no reply its been a week nobody contacted me or emailed me and after looking at all them reviews i feel like i will never see my money again please help
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (NC)

Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

So somebody opened a XXXX  under my fathers name and been taking money out of my chase checking account for months and I really did not look into it until one day I realized how my money was negative and it was down to a point where the bank started charging me XXXX $ fee a day and night and unfortunately whoever was doing these transactions had my online banking or my debit card access to be able to take money out of my account thru XXXX  and Ive called the bank let them know what was going on they told me I was supposed to receive all my money back to my account by next 10 business days and I never got a XXXX XXXX back from them and I called them afterwards they told me that they closed the case and I am not receiving the funds back and its really a huge amount of money for me when I have a XXXX XXXX XXXX and also has XXXX kids to take care of and its just stressful for me to get robbed for almost like XXXX XXXX dollars out of my bank and I dont know what to do at this moment please help me out with this situation
Consumer complaint received 2023-06-22
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3900.00}
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (UT)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There a major data issues with this vendor. They show my Daughters name on my file as per XXXX XXXXXXXX posting and it can not be rempved. Disputes go unanswered and my credit file remains a disaster incorrect and wrong and you sit there filing paperwork WOW
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

Equifax is reporting inaccurate and incomplete information on my credit report and it is damaging me in multiple ways in life, Alleged charged off Account XXXX is inaccurate for the reason The consumer reporting agency Failed to furnish the date of last activity and the date this alleged charged-off account was closed as requested. Date of last payment not furnished. This Consumer reporting agency is in violation of USC Title 15 1681B " Accuracy of report '' For failing to ensure maximum possible accuracy before furnishing this incomplete information on this credit report related to me. Equifax is also in violation of USC Title 15 1681i 5 1-2 " treatment of inaccurate or unverifiable information ''.
Consumer complaint received 2020-11-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I pursued getting product, XXXX mislabeled product poorly packaged without a portion of order. It was labeled as a skin XXXX  XXXX which I had not attempted to purchase from this person whom I did not initially require or query that was legal in their country. It made me hAvd XXXX and XXXX  for weeks, as I go not know what substance was, I refused to send back to XXXX. I showed pictures of pills, XXXX in toilet and told them how deceptive and wrong thst was- asked my enraged messages bd copied to ceo as well as mislabeled product, never promising product and never producing product - which made me so very ill I will be sick  for weeks.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (PA)

I Placed a call to Experian, also mailed Experian and this is my second CFPB complaint regarding inaccuracies being furnished on my credit report that need to be removed immediately due to it causing extreme difficulties in my everyday life. I was told by a supervisor that the items that I reported as inaccurate would be removed within 4 business days according to federal law. It has now been two weeks and nothing has been removed. All incorrect address that are not XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX, all invalid phone numbers that are not ( XXXX ) XXXX XXXX, all incorrect employers that are not ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and specific collections & closed account reporting inaccurate information, I was advised these items would be deleted in XXXX days, I was also told that a dispute was not filed but a request for deletion. I have made several attempts to remind them of their duty of 15 USC 1681 accuracy and fairness of credit reporting. It seems as though Experian is intentionally neglecting remedying my affairs. Also my life! 15 USC 1681 a ( d ) states as a consumer I and due, promised accuracy on my credit report based on Federal Law. 15 USC 1681i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons Im asking that ALL NEGATIVE closed account, charge off accounts, collection accounts, incorrect reported invalid addresses, employers, phone numbers, incorrect spelling of names, to be removed from my credit report per federal law. I can provide the confirmations numbers from the call as well as recordings, not only are these companies violating our rights they are lying in our faces!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

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. 

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 2022-12-28
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. (GA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. In addition, I am including more accounts below there appear to be new accounts that are reporting erroneously. 
XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX  XXXX XXXX XXXX : {$560.00} XXXX XXXX XXXXXXXX Balance : {$420.00}
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 4th time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.