davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (CA)

I made a purchase from Nordstrom.com evening dress for an occation on XX/XX/XXXX by the amount of {$360.00} ( Nordstrom order # XXXX XXXX. I did not get the dress because instead of delivering it to my address they delivered it to the XXXX  location and no note was left for me to pick it up. I got another dress from XXXX and went on the party and after a week while checked the order status and saw that it is hold at the XXXX location called Nordstrom and told them that I need my noney back because never got the purchased item and i dont need it anymore cause the event is passed. They checked and told me that they need to contact XXXX requesting the item back and since it is more than {$300.00} they need to get it back in order to issue me a credit. I waited then called again. Same Thing ... 
I waited again and on XX/XX/XXXX they send me an email saying that I can pick it up from XXXX location. Something I did not need and I can see on the portal by tracking the item that it is still there. I called the company again and now they are saying it is 30days passed and they can not do anything. How is it fair. Item needs to have holding time at the XXXX point and after that timeframe be sent back if is not being picked up. I am being charged money and accruing interest on nordstrom card for the purchase I did not get and use. Please help I do not know what to do.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (KY)

I have called BBT 8 times of the past few months. The month they reported I was late is not correct. The account was setup the month prior at the last payment. I knowingly changed it to auto pay as I had XXXX the following up and did not want to worry about missing a payment. I check my credit and they reported it being late. Furthermore they stated the account is reported on the XXXX, the XXXX at XXXX. I checked the account again and they have failed to report the correct balance. This has gone on for several months and I can not express how frustrated I am. I am a XXXX vet with a very tight budget. I had a few heath issue arise and used them to boost my credit. They are trying to hurt my credit! I have plans on purchasing a new house and land the first of the year and now they have hindered my ability to do so.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The online website keeps saying my account is suspend and Ive called and was sent to tech support and was told they would email me to reset and I havent heard anything!
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WI)

Hello, I am reporting Barclaycard services. I have a credit card with them for over 5+years.  The account is closed and have been making my monthly payments. My online account was locked and it is requesting my account number to reset password. I do not have my account number, and the card is destroyed as the account is closed. I called Barclay services today XX/XX/19 at XXXX to get my account number to reset password. They are telling me they are not able to give me my account number because it is on the card, and they can't issue me a new card as the account is closed so my only option is to contact them via phone and pay over phone with a fee until the card is closed. This is credit card fraud, and I will not be paying over the phone this bill and this debt will not be paid and will forgo legal charges against them for debt fraud.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In XXXX of 2024 I the consumer attempted to have my credit report updated to reflect the accuracy of the information necessary to be 'shared '. The accounts that are to be removed are XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies, I am the Consumer. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those. 
customers nonpublic personal information. '' ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) are a financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to XXXX, Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
As of XXXX, XXXX, and XXXX of 2024, I the consumer have sent correspondence to these entities in regard to my privacy as a consumer and according to 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

This is concerning sloppy and illegal practices with my mortgage escrow account. In the past year, except for one month, I've kept my mortgage pre-paid by 4-8 weeks. For the last two cycles it's been six weeks ahead. 

When I logged on to make the monthly payment last week ( XX/XX/XXXX ), I was shocked to see a big increase in the escrow amount. There was no explanation for this. When I clicked " see escrow analysis, '' it didn't have one listed. Past escrow analyses are not posted there, either. Because I wanted to be sure to get my payment done, I went ahead and paid it and called WF. I was told that this was the new amount because there was a shortage of {$230.00} Well yes, my XXXX insurance is that much higher, however the XXXX premium is already paid in full and at the time of that conversation, there was over {$700.00} in the escrow account. As of that evening, there is more than {$900.00} and the only upcoming bill before fall XXXX is the XXXX insurance charge of $ XXXX. By then I will have made at least two more escrow payments, bringing the amount to double what is needed for that tax bill. 

The next day, XX/XX/XXXX, the escrow analysis did show up in my online account, but it gave me a choice to 1 ) pay the {$230.00} up front plus $ XXXX more than I was paying last year, or 2 ) pay $ XXXX. to pay it out over time. Given a choice, I would've taken 1 ). But I had no choice as the {$250.00} was automatically added to the escrow fee on my account when I logged on, before the latest escrow analysis was even published. 

This is a violation of RSPA X, which specifies that lenders will provide the escrow analysis by postal mail to consumers. I was given no choice but to make the higher payment before it was even published. 

It is also a failure to meet the RSPA X requirement to do an aggregate analysis of my mortgage. There were a couple weeks during which there was a negative balance, due to the early-bird collection of premium by my previous insurer and immediate collection of premium by the new one. When I received the refund check from my canceled policy, it was deposited into the account electronically on the same day. So there is no lack of diligence to keep current on my part. 

I have attached the escrow analysis and screenshots ( with date visible ) showing the period of time payments were made. To date I've not received the mailed analysis. Thank you for your attention to this matter.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (OH)

I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (CA)

I recently review my credit report from the three major reporting agencies. I found that there was a charge-off account from XXXX XXXX credit card in the amount of {$2300.00}. I couldn't figure out how I have this account. I gave XXXX XXXX credit department a call. After entering the basic verification information, the center transferred my call to the Citi 's Recovery department. 
I spoke to a recovery representative ( ID # XXXX ) ( department line : XXXX-XXXX-XXXX ). 
During the verification of my social security number and account number. There was an issue. The department have a mismatch social security number on file. Which meant that this debt or account was suppose to be mine. After the verification issue, she transferred me to the " fraud department '' to find out the discrepancies on my account and social. I spoke with XXXX and he couldn't located the account or verify that my information is on file or ever owe anything to XXXX XXXX nor Citi 's. 
XXXX did recommended that I file a complaint with the CFPB to contact XXXX 's credit department and they will verify that I do not owe any debt.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (KS)

Both my husband and I received bills in the mail for XXXX separate Best Buy credit cards with purchases on them. We never opened these credit cards, nor did we make those purchases. 
The credit card in my name was opened XXXX XXXX, 2022, and a charge of {$1400.00}. 

A card was opened in my husbands name on XXXX XXXX, 2022 and charged for {$2200.00}. 

When we received these statements in the mail, we contacted Best Buy to report it, and told them to immediately freeze and close the card. We also called to freeze our social security numbers and put an alert on them. 

Best Buy responded to me and said they denied my fraud claim. 

please let me know what other information you need, thanks!
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

Toyota Motor Corp has responded stating that they are reporting accurately I have stated several laws that they have violated they have stated that I signed paperwork please provide me with the original paperwork that I signed giving the authorization to report to the bureaus also GLBA stated that I am supposed to be notified of options to withdraw from reporting y personal information please provide paperwork where you have given me the options to withdraw from reporting my info if not provided in 10 calendar days remove late payment and change to current status immediately
Consumer complaint received 2019-11-19
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: Commonwealth Financial Systems, Inc. (MO)

I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. 
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a  ) ( 5 ) ( B ). The accounts in question is as followed **** Account number XXXX Common wealth fin. Account # XXXX XXXX XXXX XXXX.Also XXXX  there is an account that was previously deleted and re added XXXX XXXX  that I would like a certificate of accurancy.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (IN)

After attempt to validate debt, company responded poorly with all answers. XXXX previous complaints filed with CFPB about company. After complaint filed, previous collections debt on credit report removed and another debt placed for different amount and different account number, same " creditor '' named. Why is this occurring?
Consumer complaint received 2023-01-16
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. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting 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 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 2023-01-16
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. (VA)

I contacted the XXXX bureaus : Experian, XXXX, and XXXX and disputed personal info that was incorrect and XXXX collections : XXXX XXXX XXXX, and XXXX  XXXX. Pursuant 15 usc 1681 section 602 A. states that I have the right to privacy and 15 USC section 604 section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b states that whats reported must be assured maximum accuracy and XXXX acct XXXX XXXX XXXX have a late payment. 15 usc 1666b states that a creditor may not treat a payment as late for any purpose
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (DC)

In XX/XX/XXXX I received a solicitation letter from a company called JFQ Lending saying that my current mortgage is eligible for removal of an adverse market fee. It appeared legitimate and advised me to Please keep a copy of this notice for your records. When I called their XXXX XXXX XXXX number to get the fee removed they started an aggressive process of trying to get me to refinance my loan with a new lender which would result in little tangible benefit to me. They did not, in fact, have any ability to remove the adverse market fee from my current loan. This was deceptive, predatory, misleading, and overall a lie. Thankfully i understood the bait and switch they were pulling and knew better than to move forward but had i not i would have been lured into a product i did not need. I hope JFC will consider adjusting its advertising practices to be less deceptive and stop claiming to be able to remove any fees on my current mortgage. Ive attached a copy of the Notice ( in reality, false advertisement ) so you can see. Thank you.
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

Please accept this Qualified Written Request under 1024.36, as a formal request for life of the loan : 1 ) Accounting and 2 ) Escrow Statement, for loan number XXXX. Thank you. XXXX XXXX XXXX
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations. Please immediately remove these fraud alerts Without my phone number these fraud alerts are useless. Please sent me proof the I requested these fraud alerts. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights. Please send me a record of of the fraud alert request made by me or should I should subpoena such records, please advise
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

On XX/XX/XXXX XXXX XXXX a collection agency was added to my credit file. This was shown as a new collection with the originally creditor as XXXX the amount of {$1300.00}. I have no contact with XXXX XXXX and they are attempting to collect on a debt that was previously paid with XXXX XXXX in XXXX as an agreement to pay for delete. Convergent is attempting to again collect on this debt. They have not responded to multiple disputes and requests for validation.
Consumer complaint received 2023-01-16
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 Balance : {$0.00}.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

inquiries below are unauthorized and does not belong to me, there should only be 2 inquiries from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX XXXX XXXX XXXX erroneously paid, through their online bill pay account, the Bank of America {$700.00} for a payment that should have gone to XXXX XXXX. When I found out I files a payment dispute with both banks. XXXX said that they couldnt do anything about it. Bank of America told me that they could put the money back into my checking account from which it came in 7 to 10 days. This was on XXXX XXXX. After 5 or 6 calls to Bank of America they told me that it was in process. The last cal they insisted that they gave the money back to the payment service used by XXXX on XXXX XXXX XXXX I called the payment service on XX/XX/2023 and they said that no such payment was ever received and that they had unsuccessfully tried to recover the money from Bank of America when the original payment dispute was files. I have called Bank of America numerous times and they just keep cutting me off.