davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

XXXX XXXX XXXX group has been sending automated phone calls. I finally called back one time and it was answered by someone that posed as rep for the company. They transferred me and never mentioned the company until I asked them. They said I was going to civil court over a " debt '' I had with Fifth Third Bank, which is impossible because I closed banking account I had with them over 10-20 years ago. They first asked me to confirm if my last 4 digits of my SS # was. I told them I never received anything in writing about this " debt '' and said they've been mailing letters to outdated address. They asked for the new address and I was XXXX them while I was on the call because I was getting a ton of red flags. They knew my ss # and read it back to me in full without me prompting them. I ended up hanging up on them. They are definitely scammers.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Today XXXX I tried to login to my TU account to find it was blocked ... .they stated it was because it was cancelled. FIgured out how to finally login and put my credit card info in and my apple card was charged but they refuse to give me the service. When you talk to someone its someone from another country with a thick accent and the phone cuts in and out - when ask to speak with someone in the us they can not - when ask for a supervisor they can not- they can have them call back in about 72 hours. The FTC states that if you ask to speak with someone you can understand they are required to do so... .they are refusing. Taking money and not providing services.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prosper Marketplace, Inc. (OR)

I took out two debt consolidation loans with Prosper Bank and paid timely on both loans, I reached out to them in XX/XX/2020 to see if they could lower my payments since collectively they were over {$1300.00} per month which was fine when I had a roommate, but they moved out due to loss of work in early XXXX. They told me that there was nothing that they would do for me at this point since both loans were in good standing. I was hired as an XX/XX/XXXX for the upcoming XX/XX/XXXX, and this was going to help me get through COVID since having another person move in during COVID was out of the question since I am considered at risk. Due to COVID, I was never scheduled for work with the XX/XX/XXXX XX/XX/XXXX. I called Prosper once again, and they told me that they would not help me, again since both loans were in good standing. I had been taking out payday loans, borrowed from my XXXX, and paid my other bills on my credit cards until XX/XX/2020, I stopped paying. I contacted them again and they offered me " a deal '' on one of the loans which was still not sustainable in the current environment, and the other they said that they couldn't do anything for me. That loan has been sent to collection now, and they are threatening to enter a judgement against me. I fully intended on repaying, but I do not have the means and they will not accept anything but the full amount of the payments at extremely high interest and carrying it over another year at the rate that they are charging would cost me thousands of dollars. Even though I contacted them, they still placed me with collections which is wrong!
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I was contacted by someone impersonating my bank telling me that my account had been compromised. While I was on the phone, I XXXX  the phone number to make sure it was a chase number, and it was. The fraudster created a false sense of urgency by demanding that I transfer funds between my savings and checking accounts to avoid any overdraft fees. When I logged into my account to do this, the fraudster intercepted the transfer then wired my money to an unknown bank without my knowledge or authorization. When I realized my account had been compromised, I went directly to the bank to " recall '' the wire, but the money was already gone. I was instruction to file a police report, which I did, then I was told that the report wouldn't change anything and was unnecessary. Since this happened, I have contacted Chase every day both by phone, secured messaging, and in person at my local branch. Nobody is able to help me, give me an idea of when the funds will be returned or give me any information about who is investigating the fraud. The amount of money stolen from me was {$4100.00}. I have since been furloughed from my job. I need this money ; I need someone to help me.
Consumer complaint received 2023-03-03
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. (IL)

In accordance with fair credit reporting act convergent XXXX XXXX account # XXXX has violated my rights. 



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

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (MD)

I ADDED XXXX PICTURE SCREENSHOT 'S OF PROOF! 

On Tuesday XX/XX/XXXX, at XXXX I made a bill payment in the amount of {$270.00} on XXXX online website. 

I am a joint owner on my husband checking account ending in # XXXX with NFCU. 

My husband has Overdraft ( OOPS Protection ) on his checking account that covers up to {$500.00} in transactions! 

It takes normally XXXX days for NFCU to process and pay a XXXX item. This wasn't my first time paying my XXXX XXXX bill payment using my husband our joint account ending in # XXXX, It took them XXXX days! 

I think a phone was made between the XXXX companies and NFCU charged our joint account the returned fee of {$29.00} to make the bank money! 

NFCU purposely charged us a {$29.00} Overdraft fee for NO REASON! This check for {$270.00} should've been paid. There was a running balance of available funds of {$760.00} to cover my bill payment check! 

I'm asking for letter of explanation from NFCU saying it was there fault so I can provide it to XXXX XXXX! 

I have email confirmation with a date and time proof from XXXX XXXX of payment made! 

I'm requesting a audit of our NFCU joint checking account of ALL the {$29.00} fees they charged us for XXXX and XXXX, they might have purposely charged these {$29.00} fees to male NFCU money!
Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

I called Midland Funding, they are the Collection Agency for XXXX XXXX XX/XX/XXXX. Midland Funding claims I owe {$170.00}. I contacted XXXX XXXX XX/XX/XXXX after speaking to Midland Funding and they claim this account was paid in full. I thought it was because XXXX XXXXXX/XX/XXXXapproved me for a credit card. So I spoke with both Collector and original Lender. Original Lender said must be an error. 
Thank you for helping me have this removed.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (TX)

This is my 1st complaint to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$620.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-03
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. (CA)

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. 

XXXX XXXX  XXXX, Account XXXX, XXXX XXXX, Account Number : XXXX, XXXX XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX  Account XXXX XXXX XXXX, XXXX, Account Number : XXXX has violated my rights. 

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 St
ates : 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 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX XXXX two ach transactions from Navy Federal Credit union in the amount of {$410.00} and another for {$200.00}. The-money was debited out of a checking account and suppose to be sent to XXXX bank. The funds never posted to the XXXX bank account which normally takes 1-3 business days. It is now XXXX XXXX and neither bank has taken responsibility of the missing funds and Ive been in communications with both By phone and in Person. Ive submitted ach disputes through navy federal and also XXXX has conducted investigations on tract numbers that they concluded to be correct. However I still have no funds and Navy federal insisted that they could not help me!
Consumer complaint received 2024-03-22
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. (RI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-03-03
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. (IL)

In accordance with fair credit reporting act XXXX XXXX  XXXX account # XXXX has violated my rights. 



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

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-26
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. (CA)

I've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (PA)

I have been trying for years to get a loan modification on my mortgage with TD Bank. They always claimed that they did not receive my application when I sent it back to them. So I am consistently behind on payments that are hard for me to afford on a fixed income as a retired person. I recently obtained a lawyer to help me try to get a loan modification and try to communicate with TD Bank. Through her fax line and email, I have submitted a loan modification application packet to TD Bank to the fax number and email that they provide. I have submitted this application 6 times : XX/XX/XXXX via email, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, and XX/XX/XXXX via fax. I have never received any acknowledgement that the fax or email was received or is being reviewed. The only response I got was once to receive a form letter and a brand new application packet in the mail, with no indication that I had already sent them my income proof, my bank statements and a signed and completed application. I am sending everything to the fax number and email that is provided on their application. I have gotten confirmation that the faxes and emails were successfully delivered. I believe there is a federal regulation that states that if I ask for a modification, TD is supposed to respond within 10 days with further instructions or review. They have clearly ignored this requirement. I feel trapped and totally ignored.
Consumer complaint received 2021-01-08
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: EQUIFAX, INC. (GA)

Equifax, XXXX, and XXXX  have not responded to my attached dispute that was sent on XX/XX/2020. They were sent certified mail and I have not received any resolution to the erroneous accounts that are present. 

Certified mail slips evidence XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a record of them receiving the requests with no response since.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I received a letter in the mail yesterday from Chase Bank stating that they would be " ending their relationship with me '' as of XX/XX/2021. They are closing all of my accounts without any explanation as to why. I called to inquire and they told me they were not obligated to give a reason for their decision. My accounts have been open with them for over 20 years and have always been in good standing and are frequently used. I can not think of a legitimate reason for this decision. Now I have to relocate my accounts and change all of my payment information over to the new accounts.
Consumer complaint received 2020-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

This account was open on XX/XX/2018 This account was reported as unpaid medical {$110.00} I don ' have contact information I would like to know what services I had to accrue the amount of {$110.00}
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

Hey May I ask when do I get a refund for XXXX dollars and XXXX for a refund back to me my name is XXXX XXXX XXXX XXXX the dates are XX/XX/2020 other date XX/XX/2020 thank you
Consumer complaint received 2022-06-03
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. (AZ)

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened my checking account ( account number XXXX ) online using the promotion code XXXX from BOA advertisement. 
Link XXXX XXXX XXXX XXXXXXXX It has been almost half a year and I'm still not receiving my promotional {$200.00} bonus. In the term it stated that the {$200.00} should be deposited into my account within 60 days of meeting the requirements. I met the requirements of {$2000.00} direct deposit on XX/XX/XXXX and the promotional bonus should be deposited by XX/XX/XXXX, which is not there. I contacted Bank of America twice. The first time I was told that I should wait 60 days which apparently is not stated in the offer terms. The second time on XX/XX/XXXX I was told the offer code can not be even found and the customer representative redirected me to a branch and refused to connect me to her XXXX or escalate the case.
Consumer complaint received 2023-03-03
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Back on XX/XX/2020, I was granted a Payment Deferral for the month of XX/XX/2020 in the amount of XXXX for my Bank of America mortgage. I have complied with every requirement of this Deferral. Since then, I have received monthly debt collections calls from BAC. I have made no less than 10 calls to the debt collection department trying to get this resolved. Each time someone rightly was able to verify that indeed I have this deferral in place and they claim to try to help and get this corrected, and to date it still hasn't been resolved. I even created a complaint within BAC to try and resolve this and it still hasn't been resolved. The complaint case # XXXX was assigned and I was told would be completed by XX/XX/2020. It still has not been resolved. At this point I am concerned that this will shortly begin to affect my credit, as I am sure this will be reported to one of the credit houses. How is it possible that a large institution such as BAC can not resolve this internal situation for me. Especially since they are the one that offered the deferral to me. I did not go out and apply for this deferral. Because of Covid, they offered it to me and I accepted. I am hoping that someone will be able to assist me with this situation.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX