davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY (NE)

I have two target red cards, a debit card & a credit card. At this time I always just used my debit target red, because it come straight out of my bank account and I still receive the 5 % off all purchases. I purchased a {$7.00} sweatshirt with the target app. And Im not sure if there was an update to the app that switch it over to my credit red card, but the purchase went to the credit red card instead of the debit red card. I hadnt used my credit target red card in forever, so I to my knowledge I had no balance on the credit card. So 4 months later I checked my FICO score on my XXXX app and my credit score dropped from an XXXX to the low 600s. I paid the {$7.00} + {$3.00} in late fees to target, but I cant get this mistake off my report. And Ive been trying to get my credit score back, but after 2 and half, 3 years My score is XXXX. Im so frustrated bc I definitely had {$7.00}, but I had no idea it was on the credit target red card. Please help me.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account on XX/XX/2021, due to a previously closed account. However, I've disputed the previous closure as unjustified and that's why I was allowed to open new accounts, yet they still closed my accounts.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

Since XX/XX/XXXX I have my XXXX XXXX XXXX and I made monthly payment to pay my bill at XXXX. I should be receiving XXXX Dollars ( this is the reward program XXXX XXXX has ) but today is XX/XX/XXXX and I'm not able to see and redeem my XXXX Dollars. When I check my account it says that I have {$0.00}. But when I check all my statements I should have until today an amount of {$68.00} XXXX XXXX. But I can not see them anywhere and I'm not able to redeem them anywhere neither.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

Several companies have tried to pull my report and I did not give them access to do so. I also have old accounts on my credit report that were closed and should should have been removed. XXXX XXXX, XXXX and XXXX XXXX XXXX are the only one I authorized to run my credit. I have disputed with all of the credit bureaus and nothing has been removed. I have sent letters and none of them can provide information verifying that these inquiries are mine. Yet they still remain in my report. I have also reached out to XXXX and they agreed to removed the {$130.00} from my credit report but it is still there, this was a part of my XXXX  bankruptcy.
Consumer complaint received 2021-10-22
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 (MA)

Discover was given the tracking number in a dispute I opened with them -- they seem to be siding with XXXX who I also filed a complaint on with another agency for how they stated that they handed to me an order when in reality it was refused for being late. I never got the package - never opened it etc, and XXXX knows that but is lying to Discover. Discover could EASILY look at This is what XXXX says Order placed XX/XX/2021 Total {$22.00} Ship to XXXX XXXX XXXX Order # XXXX View order details View invoice Delivered XX/XX/XXXX Your package was delivered. It was handed directly to a resident. 


But the tracking number is Shipped with USPS Tracking ID : XXXX And if DISCOVER was to simply put it into USPS tracking ( not that hard just pop in usps track a package into XXXX -- they would see this : XX/XX/2021, XXXX XXXX Return to Sender XXXX XXXX, MA XXXX Your item was returned to the sender on XX/XX/2021 at XXXX XXXX in XXXX XXXX, MA XXXX because it could not be delivered as addressed. 


XX/XX/2021, XXXX XXXX Refused NORTH XXXX, MA XXXX So it could not be handed to me on the XXXX like XXXX says DISCOVER because it is in the USPS 's possession going back to the original sender. So if I don't have it and you can see that then I expect the credit of XXXX because you and XXXX are incompetent! You have issues you and XXXX take that up with the USPS not me who never even got it handed to me as XXXX lies to you and you are just as stupid to believe them.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, 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. (KY)

Several companies have tried to pull my report and I did not give them access to do so. I also have old accounts on my credit report that were closed and should should have been removed. XXXX XXXX, XXXX and XXXX XXXX XXXX are the only one I authorized to run my credit. I have disputed with all of the credit bureaus and nothing has been removed. I have sent letters and none of them can provide information verifying that these inquiries are mine. Yet they still remain in my report. I have also reached out to XXXX and they agreed to removed the {$130.00} from my credit report but it is still there, this was a part of my XXXX bankruptcy.
Consumer complaint received 2024-04-09
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: FIRST PORTFOLIO SERVICING INC (VA)

Here is extra information regarding the fraud case for the XXXX XXXX. As far as the XXXX address, it states yes there is a XXXX XXXX XXXX however there are several units. The order had to be sent to someone's it didn't belong to. Further, the company themselves admitted it was fraud as the carrier confirmed this and my name is not the name of the person on the order, I don't know the person either.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (MD)

I have been having issues. But the real concerned started on XX/XX/2021. I have direct deposit set up. So basically almost everytime I use my card it it declined or state dont not honor. This is happening because in the state of Maryland a forgery Maryland Durable financial power of attorney was processed through out financial institutions to gain access to my employee benefits including stocks and XXXX account. The forgery power of attorney have a unknown agent listed that states the agent controls my money if I am able to or not.I believe that I might just in fact know the person or persons who hold the money transmitter license to act on my money which is apart of my identity theft and my identity theft is committed by a government entity contractor individual group and or business. Since XXXX my card have been declining everywhere but after the second attempt it will go through. This is being done to embrass and harass me to know where my where abouts are. Everything is wrong with finacial regulators that getting license to transmitte money illegally.
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (AZ)

I recently pulled my credit and see a collection that Ive received no communication from via XXXX mail nor phone call attempts. If I had, I would have advised that this debt is time-barred. Due to being time barred the collection must be removed from my credit profile as it is outside of the window to collect upon.
Consumer complaint received 2021-10-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 I applied for a HELOC to Bank of America who has been my mortgage lender for over 20 years. After almost 6 months of going back and forth in this process and me satisfying all requests made I have been denied an approval. BOFA failed to be transparent with this process. I have been basically denied the loan for no substantial explanation. My loan went from one processor to another and such created a big and obscure confusion. The initial processor who at present time is not longer part of BOFA was removed from this process abruptly. However, prior to her departure from BOFA she led me to believe that each " hiccup '' that we encountered and I was questioned was resolved. On XX/XX/2021 my application was transferred to another processor who claimed that he has been assigned and will pick up where processor 1 left off. However, this has not been the case. After almost two months of working this the second processor and my loan being at BOFA I have been denied the loan. Please note that I have a relationship with this Bank for over 20 years. I started a loan with BOFA 0f XXXX today the balance of this loan is XXXX. My property worth XXXX the amount I am requesting. Yet BOFA denied credit. For the past 20 years of paying my only mortgage there has NOT been one single late payment. My credit and all documents provided for this loan speak of my character. I feel that I have been discriminated. I wasted 6 months working on a loan application with a negligent person. Bank of America has refused to take responsibilities. They have denied me a waiver to policies implemented since my application has been filed. Bank of America does not stand for America values.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

I have had several phone calls with the credit card company, the last of which was in XX/XX/XXXX. I thought the matter had been resolved. It is a business card from a company I left over two years ago. I alerted the corporation I was working for that my name should be removed from the corporate account ( there were at various times 3 or 4 people who had card ). The business apparently failed to do this and continued to use the card after my departure in XX/XX/XXXX. I was completely unaware of this fraudulent action I explained at length in several phone calls, over many long months that I did not make the charges, authorize any new charges, or ongoing automatic payments. I also did not receive any " material benefit '' from the purchases as would be required by the law. I ended my last call with the company hearing directly from them that " so, you are claiming that the charges were fraudulently made as you had left the company ( incorporated under NJ law ) two years before. I replied, " Yes! '' I have not received any communication from the company since XXXX of this year and I was under the assumption that the case was closed. I have now retained legal counsel to plead my case should the company continue to actively pursue this matter and to protect me from this continued harrassment.
Consumer complaint received 2021-10-22
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: DISCOVER BANK (NJ)

Im aware that DISCOVER has closed my account and from what federal laws states in 15 USC 6801S-2 ( 4 ) ( 7 ) If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 15 USC 1681a ( p ) of this title furnishes negative/closed information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative/closed information, in writing, to the customer. As a natural person and consumer clearly, Ive been abused by your corporation. I found out my account was closed through third-party companies which is a violation. I didnt give your company permission to close my account or expose my privacy. Since closed my account please send my rescission forms for my remedy and Im demanding you to remove this closed account from all three of my consumer reports from all three consumer agencies.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021, XXXX dollars were taken out of my checkings account inside my local Bank of America branch with a teller. My account was a shared account with my father XXXX XXXX XXXX. This account is used by me to put my XXXX XXXX money. I did not authorize or make this withdrawal, neither did my dad. Two days later, on XX/XX/XXXX, I called BofA and made a fraud claim. The fraud department took three months with their investigation and replied to me on XX/XX/2021, denying my claim to refund me my money. The reason, as stated on their letter, was because my pin was used. I appealed this decision and asked them to re-open the case and investigate. On XX/XX/2021, they denied my case once again. Having no other option to appeal since my case was denied twice, I went to my local branch and spoke with the branch manager named XXXX. She told me the branch would start a branch investigation. This process took long as well, about 2 months, with me always checking on the status of the investigation. On one of my checkups she told me the fraud department had sent her some footage and it looked like neither me or my father on the footage. I later checked in with her again and she told me that their case was closed for the same reason, that they found my pin was used. I am now with my arms crossed since I need those XXXX dollars to pay my XXXX. Someone stole XXXX dollars out of my tuition funds.
Consumer complaint received 2021-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (CA)

My Discover card was closed without notice and this will have an effect on my credit score. In fact, when I paid off my XXXX XXXX, my credit score went down XXXX points?????????? 

I called Discover to find out why they did this without notifying me and they claim they sent an email back in XXXX and a letter I never got in the middle of a pandemic. 

I spoke with Discover XXXX XXXX on XX/XX/2021. Requested a copy of the letter. This is what banks do with consumers. I had not used the Discover card, as it had a very low limit and they were rude when I inquired about it about two years ago. My credit score is currently XXXX. It was XXXX. It went down to XXXX after car was paid off. So its not your good pay that counts. Its the banks abusive behavior towards middle class honest consumers. 

Whats worse is knowing that this agency the CFPB is in the banks pockets. Just wished to make a record. What a waste of time and money we might as well all go live in XXXX XXXX.
Consumer complaint received 2020-12-30
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: EQUIFAX, INC. (IN)

On XX/XX/20 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (MT)

The Third party liability denied my undue hardship wavier for the outstanding medical debt my mother had..she passed away in XXXX  they already filed a claim a yr ago ... .we r still living in the home n my nephew also has a XXXX n us living in the home they are telling me there taking me to Cort ..please this debt is not mine
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (IA)

TO WHOM IT XXXX CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXX AUTO XXXX, THAT ARRANGED THE LOAN TO BE CARRIED BY XXXX XXXX XXXX. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF LA XXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " XXXX '' COSTING ME THOUSANDS OF DOLLARS IN XXXX MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH XXXX XXXX XXXX TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE XXXX DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE XXXX DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE XXXX BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE XXXX BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE XXXX BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE XXXX LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE