davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (AZ)

I received a debt collection notice for {$200.00} from a company called Online Collections. Website is payments.onlinecollections.com and phone XXXX, address XXXX NC XXXX. XXXX XXXX, zip XXXX. Originating debt supposedly from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, phone XXXX. Address XXXX. XXXX XXXX XXXX XXXX CA XXXX. 

I called XXXX  XXXX  phone line and they say I owe XXXX  dollars. I never received any other bills than the one I paid for {$1800.00}. In fact, I overpaid and I am due funds. 

I believe this debt is fraudulent. They are also trying to collect info they dont have ( phone number ).
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NJ)

I am writing to file a formal complaint against TD Bank concerning multiple instances of mishandling, lack of communication, and unprofessional conduct. As a consumer, I have encountered numerous issues with TD Bank 's services, particularly regarding the handling of convenience checks and subsequent customer service interactions. 

On multiple occasions, TD Bank sent me convenience checks, ostensibly for use against my TD Bank credit card limit. However, my attempts to utilize these checks have been met with frustration and incompetence on the part of TD Bank. 

Specifically, on XX/XX/2024, I attempted to deposit a convenience check in the amount of {$19000.00}, out of my {$20000.00} credit limit with TD Bank. Despite promptly informing TD Bank via its message center on the same day, I received no acknowledgment or response from the bank. XXXX days later, I received notification from the financial institution where I deposited the check that it had been returned without cashing it, citing reasons unknown to me. TD Bank failed to communicate with me regarding this issue, leaving me uninformed and bewildered. 
Subsequently, on XX/XX/2024, I reached out to TD Bank once again, informing them of my intention to use another convenience check and requesting that they honor it. Despite my efforts, I received no response until I resorted to contacting TD Bank 's CEO, XXXX  XXXX, via the bank 's XXXX messaging system on XX/XX/2024. 
Then, TD Bank sent me another batches of convenience checks and emails to encourage me to use the credit limit against my credit card. 

Therefore, I attempted to deposit another convenience check sent to me by TD Bank in the amount of {$6000.00} on XX/XX/2024. Once again, the check was returned uncashed on XX/XX/2024. 

Additionally, on XX/XX/2024, I received an email notification from TD Bank informing me that my personal online banking username had been retrieved, despite my not initiating such action. Upon calling TD Bank 's customer service line, I encountered another unhelpful representative named XXXX, who failed to address my concerns and seemed disinterested in assisting me. 

I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against TD Bank for its failure to uphold basic standards of customer service and consumer protection. Additionally, I demand reimbursement of return check fees and honor its offering of using up to {$20000.00} of my credit limit. 

Thank you for your attention to this matter. I look forward to a swift resolution and appropriate measures to prevent such incidents from occurring in the future.
Consumer complaint received 2024-04-08
Product: Credit 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: GOLDMAN SACHS BANK USA (FL)

Its for 2 different disputes that I disputed and they were rebilled. 


Services werent provided for XXXX. Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX XXXX XXXX XXXX XXXX XXXX amount : {$230.00} XXXX. 1 product wasnt received from Dispute case number : XXXX Transaction date : XX/XX/2023 XXXX name : XXXX Disputed amount : {$50.00}
Consumer complaint received 2023-02-06
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. (RI)

had 2 late payments due to covid 19 epidemic was XXXX XXXX from work was late in XXXX of XXXX and XXXX of XXXX never missed any other payments trying to buy a home and late payments are really hurting credit score account is now and always has been current with NO other late payments
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Submitted complaint to Transunion LLC. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). 

Due to request being > 1 month old, legal process to remove the information has begun. 

Third parties involved : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX in XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with convenience check
Company: Conn's, Inc. (FL)

I made a payment to my account in XXXX to pay off the account. I was going to receive a refund because the check was more than the account balance. I have called asking for my refund check numerous times and told I should receive the refund within XXXX business days. It has been two months and I have yet to receive anything. Each time I call I told someone will call you regarding this matter and no one ever calls.
Consumer complaint received 2023-01-21
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. (CO)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

Before the news came out about a decade ago, that Wells Fargo was criminally opening fake accounts, I submitted a complaint to CFPB about 5 accounts, in my name and SSN, that we opened up fraudulently. These accounts had a New York address. Later, the world found out that it was not just me, but that Wells Fargo was committing this crime on a regular basis. 

Yesterday, I receive a mailing from Wells Fargo, about opening up new accounts. It was addressed to my current address in Georgia, but IT WAS ADDRESSED TO XXXX XXXX XXXX. I am NOT Mr. XXXX.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Velocity Portfolio Group (MO)

This is for the following debt collection companies. XXXX XXXX XXXX XXXX LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (MO)

This is for the following debt collection companies. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MILAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.
Consumer complaint received 2020-03-10
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. (GA)

Experian investigation is wrong. XXXX  & XXXX  changed this information.I paid a loan off with XXXX XXXX in XX/XX/XXXX. They reported me as 30 days late in 2020. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.
Consumer complaint received 2023-06-10
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX 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 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 2023-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I made a {$1000.00} electronic payment from my bank account to Synchrony Bank for my Care Credit account. On XX/XX/XXXX the payment posted to my account but when I checked my available balance on XX/XX/XXXX it did not reflect that recent payment. I called customer service and they said they had it but would hold the payment for 10 days before it will reflect on my available balance. This is not a paper check this is an electronic payment where they have cash in hand and won't give me credit. 

I have never seen a company do this to people. This is a medical credit card and I'm waiting to move forward on medical procedures.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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. (NC)

Sent letters to request an investigation and to remove inaccurate information from my credit report. In my understanding with the Federal Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit file. The reponse from the credit bureaus stated my file was properly investigated, how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal, they have violated my rights under ; -15 USC 1681 section 602A -15 USC 1681 section 604A section 2 -15 USC 1681s-2 ( a ) ( b ) ( i )
Consumer complaint received 2023-01-24
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/ I received a phone call from someone from Wells Fargo with the correct phone number claiming to be from the bank. I gave my access number by accident. 
The person wire transferred {$5000.00} from my savings account and we notified Wells Fargo fraud department right away within 5 minutes of this transaction and we were told that they will investigate. We received a letter dated XXXX  and stated that they initiated a wire recall to attempt recovery of the funds but unfortunately the beneficiary bank responded that they were no funds available to return as as result they were unable to reimbursed me.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NJ)

I am a XXXX XXXX of very advanced age : nearly XXXX  years of age, in fact! 
I live Exclusively on my monthly Social Security bank deposits.

My monthly Social Security bank deposits, unfortunately, do not always coincide with the due date on my Valley Bank credit card as I have so informed the Valley Bank! 
The Valley Bank, in an act of outrageously brutal cruelty charges me XXXX XXXX AND XXXX ( XXXX ) XXXX IN FEES THAT I CAN NOT AFFORD WITHOUT GIVING UP SOME OF MY VITAL MEDICINES! 
IN GOD 'S GOOD AND WISE NAME, THESE FEES MUST BE REMOVED AT ONCE! 
XXXX XXXX, " Justice, justice alone shall you pursue ''!
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a charged off card with Capital One. They offered me to settle for an amount and I accepted. They are still reporting the card as charged off and with a balance. On their email it stated this Credit Reporting of Your Settled Account. If were reporting your account to the credit bureaus and you settle your account for less than the full balance, well update the account reporting to paid in full for less than the full balance. They did not do that.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (TX)

I submitted a credit application with XXXX XXXX XXXX XXXX credit card which is evaluated by XXXX XXXX XXXX. I received a letter stating they were unable to approve my application at this time for the following reason. Inability to verify your previous credit experience and as of XX/XX/2023 my credit score was unable to be calculated through Equifax. 
I reached out to Equifax and my credit report is available along with my credit score. I would like to take adverse action on this since I was evaluated and a decision was made without a proper evaluations from the credit bureau or XXXX XXXX XXXX
Consumer complaint received 2020-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

In XX/XX/2020 I made a {$1400.00} instant transfer by my Venmo account to my XXXX XXXX account. They promised money will reach my account in 30 minutes but passed 24 hours and money wasnt in there. 
I called Venmo and opened a dispute and they send me in couple hours a transaction ID number that I could call my bank and find where the money was. I called my bank and they said with that number wasnt possible find any transaction by Venmo to my account. 
I called Venmo again and they said the transaction was completely successful and my dispute was denied. I called again and they said for another kind of tracking number I need to reach a XXXX XXXX  branch manager, get a official letter and send to Venmo. 
I made a lot of transfer before and I know all my account information is correctly. I understand this problem isnt my business and a issue between Venmo and XXXX XXXX. It was a 6 days ago and I still without my money and I can be overdraft if that money doesnt show up asap. Unfortunately I cant waste my time calling everyday and going to the bank to solve this once I tried and I figured out I can do anything more.
Consumer complaint received 2023-03-07
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: SANTANDER HOLDINGS USA, INC. (MS)

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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

My insurance is included in my mortgage I was told that my insurance was dropped the insurance company said that they didnt receive a A payment and the finance company said that they didnt receive a bill so while theyre disputing the account both companies in the middle of doing so they dropped my insurance which is in my mortgage so now theyre telling me that theyre going to add their own insurance to my mortgage if I dont find insurance for that and they are were yelling at me they were telling me that I have to take their insurance and that if I dont that you like lose my home they would like making threats to me and Im very afraid Im lost my husband to XXXX and Im Im here trying to hold my own with my house I just wish someone could really help me but Geo XXXX I did contact them they did try an help it was Fay Servicing LLC.
Consumer complaint received 2023-05-26
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. (NY)

My name is XXXX 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.