davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been contacting XXXX along with providing proof of debt payoff but XXXX is not correcting the credit report at their ends. XXXX is report 2 debt collection 1 is from 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 for {$21000.00} whereas I have proof that shows the account is now with XXXX XXXX XXXX does not conduct servicing or debt collection activities. So, you'll need to contact XXXX XXXX  to talk about the status of your loan. You can reach them at ( XXXX ) XXXX. Best Regards, XXXX XXXX. I have settled debt with XXXX and requesting XXXX to remove both negative balance from my credit report which XXXX is not agreeing with.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX {$50.00} i ask to deleted this fraud account no method giving XXXX  XXXX  {$120.00} I ask for method of action for this account nothing giving XXXX  XXXX XXXX  {$560.00} I ask for method of method of this fraud account XXXX  XXXX XXXX {$82.00} I ask for method of this account nothing giving XXXX XXXX XXXX XXXX {$1600.00} I ask for info never was giving fraud XXXX XXXX XXXX  XXXX {$5700.00} I ask about this fraud account nothing giving
Consumer complaint received 2016-06-18
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK (IL)

i tried to refinance my mortgage due to separation .i am single and my husband moved away with his girlfriend and not paying a penny toward the mortgage or child support to my XXXX son so i decide to refinance. 
I went to bank and found that he had XXXX other loan with my forge signs and without my knowledge, i want to know how bank did this?
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (AR)

I was contacted by XXXX XXXX XXXX XXXX ) who states that her supervisor is XXXX XXXX from Dynamic Recovery Solution. XXXX called me from XXXX. She stated " is this XXXX XXXX? '' to which I said " yes ''. She then asked if she could " verify either my address or my last 4 or the social '' to which I said " sure ''. My expectation was that I would provide my PII ( Personally Identifiable Information ) to her, however, she began rattling off my old addresses without confirming who I was. According to https : //www.consumerfinance.gov/ they are allowed to " ask '' for this information but I see nothing that states that they can start " providing '' my PII to an individual who is not validated. In this case, I am one of two XXXX XXXX ( s ) who could be receiving this call, as my father, retired XXXX XXXX XXXX XXXX ASP is also a XXXX XXXX XXXX I asked to speak with a supervisor but was told they " were busy '' and was not given the chance to discuss this further. The company is listed at toll free XXXX. The agent verified that the call was being recorded from her end. My PII was put at risk because this company is not following standard procedures for protecting consumer information. My associate XXXX XXXX was here to witness this interaction by speakerphone if you need any follow up statements.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I responded to HSBC Premier account promotion by opening an account with them before XX/XX/XXXX. Before I opened this account, I did call to check with HSBC and did confirm that I do qualify for this promotion. 
However, I did not received the promotion after mid-XXXX. I chatted with the customer service and was told that I have satisfied all the terms for promotion but have to wait till mid-XXXX  for the promotion credit of {$470.00}. I checked again on XX/XX/XXXX and they confirmed I do qualify ( see attached first pdf email from them ). However, upon checking again, I was told that I do not quality today ( see attached second pdf email from them ) HSBC is cheating their customers. I have three times repeatedly confirm with them the promotion. If they were to tell me the truth at the beginning, I would not have to waste time open the account and made effort to fulfilled all their terms. 
Please help me look into this matter and have HSBC honor their words. Thank you.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$210.00} and XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}
Consumer complaint received 2020-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (NY)

To be fair, I am one payment behind on a loan, but I don't think ( especially since I continue paying and don't allow myself to get any further behind ) that warrants the level of phone calls I receive. 

Calls up to 6 times per day Calls my place of work without permission When I asked that they limit their calls to 3 per week, the representative responded, " It is our policy to call you 6 times a day. '' Considering they call on Saturday and Sunday, that's 42 calls a week! Certainly qualifies as " use of phone to harrass or annoy. ''
Consumer complaint received 2023-06-12
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: DISCOVER BANK (CA)

I ordered some shoes from a small store, and it seems the price was to good to be true, cause i received a box, but it was empty, and had nothing in it, so i should be refunded for my order  XX/XX/XXXX Description XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX # XXXX Current dispute status is Dispute Date XX/XX/XXXX Status Updates
Consumer complaint received 2020-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been attempting to fix errors on my credit report since XXXX of 2020. Since XXXX I have sent several letters to the 3 major credit bureaus asking for validation of several accounts. Since starting this journey I have not received ANY letters from the credit bureaus. When looking up the response times it states that the bureaus have 30 days to respond it has been over 75 days and I have yet to receive any notifications. I sent two letters asking for validation of the following accounts on my credit report ( XXXX, XXXX, XXXX, & XXXX  ). to this date I have not received a response from Transunion, XXXX  or XXXX.
Consumer complaint received 2020-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

My daughter was a student at XXXX living in a two bedroom apartment. We had to move due to the apartment was shutting down due to mold and other issues. I personally drove to Louisiana to move my daughter. I cleaned and made sure the apartment was in the same condition it was given to us. I gave them there apartment back cleaner than it was given to us. Upon returning the key no one came by to do a final inspections with us to discuss any issues. Then I received a bill for which I have no clue what it is for. I did not receive my deposit back but this bill. After receiving a credit report that my score was reduced because of a collection from National Credit Systems on behalf of XXXX  XXXX  XXXX XXXX. 
I was never informed as to why I am being bill the amount of XXXX
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

After over 20 calls to Lender, I can not seem to get any attention from Fifth Third Bank. I have a XXXX owned loan on my home service by Fifth Third. I entered the Forbearance program at the beginning of the pandemic when it was offered. I was able to miss 6 payments but I made 3 of the 6. The Bank and I elected to add the missed interest ( it's an interest-only loan ) payments to the end of the loan ... .and normal payments were to re-start on XX/XX/XXXX. Fifth Third charged my for an payment in XXXX incorrectly as it was still part of the forbearance period. Their own correspondence agrees with this date. I've made all of my regular payments since XXXX. Not only does the Bank list an erroneous payment ( that was part of the forbearance period ) ... they have now reported it to the credit monitoring agencies and are harrassing my by mail and phone. I believe this to be FRAUD. If they would only spend a little time on this ; they would find out their mistake as it is clear in their correspondence. They are trying to collect 13 payments on this loan in XXXX. 

XXXX XXXX
Consumer complaint received 2020-12-28
Product: Credit card or prepaid 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 logged into my TD Bank Credit Card account on XXXX to ensure auto pay was delivered electronically on a regular basis. 

Upon opening, I saw attempts from XXXX & XXXX to take money from this locked card. Immediately, I called TD Fraud, I rechecked my alerts to find the phone number on file was changed to XXXX. THIS IS NOT my phone number, my correct number is XXXX as it has been for over 20 years. I was unable to send text alerts to my phone number as this number was there, refusing to change to my number. 

Immediately I changed the PIN number online, as there was little else I could do. 

I called an agent for TD and asked the number to be MY OWN, not the unknown number. She made the change, she texted a 5 digit auth. code. to XXXX. I received and we seemingly made the change. 

In the second phone call on XXXX I logged onto TD again to turn on alerts and found the number changed back to XXXX leaving me unable to effectively use the precautionary measures to stop the fraudulent charges. 

XXXX XXXX # XXXX could not answer how my phone number was changed without my notification nor consent as that is the security measure he explained is in place, how can I see a different number if I never verified a number change? XXXX had no answers for me, I requested to escalate to IT, request unmet. 

I have been communicative with TD as this is not the first time I have been stolen from. Last time I was left with a bill that I did not charge, this complaint was filed with the consumer fraud protection bureau. 

I called again. XX/XX/20 XXXX am est my phone number still isnt my own- how can i be alerted and WHY was my number not given the protocol of verification of change?! I never was prompted to by TD device protocol in ph # change. 

My past complaint with TD follows the same pattern where I am responsible to pay fraudulent debt and cash advances. 

Past complaint # was XXXX submitted on XX/XX/XXXX.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX, a XXXX XXXX company, charged us in XX/XX/2019 an extra amount of {$23000.00} dollars. They argue that this charge is for an overtime services. 
1.- The contract DON'T STIPULATED overtime charges.

2.- BANK OF AMERICA paid this amount WITHOUT an authorization even when the credit limit of the account didn't support this amount. 
We contacted the Bank and they favor the Merchant. 
We couldn't contact the merchant, they don't respond.
Consumer complaint received 2022-10-02
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. (MI)

Failure to perform a proper investigation. I have submitted many dispute letters online and through the mail. I have provided them with proof directly from the credit report.They continue to report information that is inaccurate as accurate.This is a direct violation an damaging to my credit. 
XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX & XXXX. 
XXXX XXXXXXXX XXXX XXXX  # XXXX. 
XXXX XXXX XXXXXXXX # XXXX. 
XXXX XXXX XXXX # XXXX.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), DBA : XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the the total amount of XXXX USD utilizing Chase services.
Consumer complaint received 2020-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

On XX/XX/2020 a certified verification letter was sent to NCB management services incorporated. Per tracking details it shows they received the certified letter on XX/XX/2020, and as of today XX/XX/2020 I have yet to receive any information regarding The validation of the account.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AL)

On XX/XX/2023 I was navigating the Venmo app attempting to pay a tip to a vendor for a service I had paid for. Upon trying to send a {$10.00} tip to a company. I was somehow redirected through the app to request a credit card. I have no intentions of opening a credit card and they sent me XXXX in the mail without any type of confirmation that I actually wanted a credit card. I contacted Venmo through synchrony bank and they canceled the credit card and I also requested that they contact the credit bureau to remove the hard inquiry that they had made, I feel like the solution is resolved, but someone needs to know that Venmo is issuing credit cards with a little to no actual notification that youre applying for a credit card. It should not be XXXX clicks on an app to automatically get a hard credit inquiry and send you a credit card. I work very hard to keep my credit up and this negatively affected me by XXXX points. I felt like it needed to be reported.
Consumer complaint received 2022-10-02
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. (WA)

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : 1. XXXX XXXX XXXX  *Account # XXXX 2. XXXX XXXX *Account # XXXX 3. XXXX XXXX  *Account # XXXX 4. XXXX XXXX XXXX *Account # XXXX 5. XXXX XXXX XXXXAccount # XXXX 6. XXXX XXXX XXXXAccount # XXXX 7. XXXX XXXX  *Account # XXXX 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
Consumer complaint received 2021-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION (MD)

Under the fair debt collection practices act pursuant to 15 u.s.c. 1692b the laws were established and written to protect the consumer where debt collectors must abide by the laws accordingly.

Truist Bank has attempted to collect a debt illegally.

The fair debt collection practices act says any person, company or alleged creditor who attempts to collect a debt is a debt collector!

Ignorance of the law is no excuse.

15 USC 1692b ( 2 ) shall not state that such consumer owes any debt ; ( 3 ) shall not communicate with any such person more than once unless requested to do so by such person.

( 5 ) shall not use any language or symbol on any envelopes or in the contents of any communication. 
XXXX 's are illegal and a violation of a consumer 's right to privacy. 
Post cards are illegal as well and the amount on the post card shows a positive balance and not a negative which means only a debt can be shown as a negative balance. 
Each violation {$1000.00}
Consumer complaint received 2022-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

All XXXX credit bureaus have a data breach on my report and dark web activity. I am no longer able to dispute or add statements to these bureaus for aged accounts and inaccuracies. This has to be illegal and a violation of my consumer rights. I have disputed several discrepancies and accounts over the course of 3 years. Used several credit repair companies XXXX XXXX XXXX XXXX XXXX and many others to settle and improve over all credit. CFPB has also turned a blind eye to hard working consumers seriously trying to navigate and improve credit where there are obvious errors and mistakes on credit reports holding back millions of Americans their key to financial freedom and credit stability. What can be done to resolve this?
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have recently paid down several accounts of debt, substantially. My credit score was increasing daily. XXXX XXXX alerted me of a change. Upon checking into I see that XXXX has increased my score while Equifax has dumped my score by 25 points for PAYING DOWN MONIES. This is not the first time I have had this issue with Equifax. I do believe that this is unjust and I feel that they are specifically targeting my account as this seems to be normal practice for them. I would like a full explanation. I would also like my credit score to be increased, as it should be. I am concerned for other consumers who are being taken advantage in this manner. Why would a score decrease when a consumer is in good standing and is PAYING OFF DEBT?
Consumer complaint received 2022-02-22
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. (AZ)

I have been trying to remove these 2 accounts on my credit report this entire time and yet the bureaus will not remove them. They do not belong to me and should not be reporting on my account whatsoever. They should remove this information as it is impacting my scores and the ability for me to purchase a home. I've exhausted every avenue trying to get them to remove this false information on my report.