davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was extremely disappointed this morning when I checked my credit report and I saw that I have a XXXX  showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. According to 15 USC 1681 { a ) ( 4 ) it states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-10-31
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-31
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-04-03
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: AES/PHEAA (SC)

I have gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )
Consumer complaint received 2021-04-02
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. (TX)

Experian lists one of the negative factors on my credit report to be too many recent credit inquiries however all of the inquiries are within a period of less than 21 days and all are related to shopping for a mortgage. In other words, comparing rates among lenders. According to CFPB 's website, these should all be treated as only one single " hard inquiry. '' See CFPB webpage XXXX XXXX XXXX XXXX. 
I called Experian and asked why my score was being impacted by all of the inquiries. Experian said they drop my score by 3 to 5 points for every single inquiry and there is nothing that can be done about it. I informed Experian that since all were within a 45-day window for the purpose of shopping for a mortgage that it should only count as one hard inquire. Experian said they have never heard of that rule/policy and that is not how they calculate the score impact. I asked to submit a protest or complaint about this policy being in violation of CFPB guidelines, but Experian said there is no way for me to dispute it with Experian directly. They told me I should file my complaint with the FTC. 
I have not called the other to bureaus, XXXX XXXX XXXX  I do subscribe to credit monitoring with both and my activity monitoring for both show the same information that too many recent credit inquiries is lowering my score. 
I have gotten mortgage pre-qualification worksheet estimates from around 8 different lenders and ALL OF THEM pulled my credit report with a hard inquiry. I would NEVER have done this with this many lenders if it were not for the advice from CFPB that the all of the inquiries will only count as one " hard inquiry. '' Now I am stuck with score impacts from all of those hard inquiries unless the credit bureaus change their policies to be in alignment with CFPB advice.
Consumer complaint received 2021-04-02
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. (IN)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Orig Cred : XXXX XXXX ) - XXXX
Consumer complaint received 2021-04-05
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: SYNCHRONY FINANCIAL (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank withdrew 100.00 from my XXXX  XXXX XXXX debit card ending in XXXX on XX/XX/2021. I have emails to prove that the money was taken from my account and bank statement also reflects that XXXX was taken by TD Bank. I have been treated very poorly by TD Bank, while I have been trying to find out what TD Bank has done with my opening deposit of XXXX. The bank states that they have no idea that the bank withdrew my XXXX because there is no trace of the transaction. Then they told me later on XX/XX/2021 that the XXXX was sent back to my account and I should receive it in 24-48 hours. 
One representative even told me that the XXXX  would be placed on the TD Bank debit card that I received in the mail. It is now XX/XX/2021. I have disputed this what seems to be fraudulent activity by TD Bank with my bank. I was later contacted by the XXXX Branch after I submitted an online form to complain about my deposit that was stolen. She seemed nice, but she she later called to ask me if my deposit was XXXX and not XXXX. How could I get that amount confused. I am very upset. I feel like I am being given the runaround every time that I call the bank and even now that I have been contacted. On XX/XX/2021 she asked me to submit my XXXX  XXXX XXXX Statement to show that TD Bank took the 100.00 out of my account on XX/XX/2021. I was asked to drop it off at the door and I will be contacted later to see if my deposit can be found or refunded. I also stated that TD Bank can get that information directly from my bank, since I have disputed this. This is the worst banking experience that I have ever had in my life!! I am not going to drop off my personal information from my bank to this bank, especially after my money has been stolen and I was treated poorly at the branch. I feel as though I should have been asked to come into the branch with my documentation, so my money can be refunded. At this point, I am pretty sure Fraud is going on at TD Bank. I am sick and tired of all of this.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I got my statement and immediately reported it to the bank they gave me copies of three checks which had been forged. They were in the amounts of {$8900.00} XX/XX/XXXX check # XXXX $ XXXX check # XXXX $ XXXX check # XXXX A total of {$19000.00} I then filed a police report on the same day. 

I had my checkbook in a locked room. Family members who I thought were trustworthy, got into the room and stole checks out of the back of my checkbook and wrote them for almost {$20000.00}. Chase bank will not reimburse the money because they said I had a lack of care because it was not in a safe place ( I was told on the phone a lockbox ). I believe that it being in my own home in a locked room is a reasonably secure location. In addition Chase never notified me when out of out of sequence checks were cashed on my account. The last check legally written was check # XXXX. The bank also didn't notify me when 3 large amounts were taken out of the account when there had been no withdrawals in well over a year. The last check written was written by my late husband on XX/XX/XXXX so these are definitely not my spending habits. Also, the culprits forged my signature, but the pay to the order section is in completely different writing. There were plenty of red flags and Chase did not catch any of them. It seems to me like Chase Bank is the one who did not have care In this situation and should be required to take the responsibility for their lack of care. That is why I put my money in their bank, so that they would protect it. Therefore I believe that they should reimburse my money. Otherwise under what circumstance would the bank ever have to reimburse peoples money if they can just put the blame on the victim and completely overlook or ignore all of their own mistakes? 
I was already a victim of financial elderly abuse by the culprits, and now I feel like I am again a victim of the bank. 
I have called the claims department several times and they still say it was my lack of care. I asked to file an appeal and they said it would be the same result. This was more than a full year of social security that was stolen from me.
Consumer complaint received 2022-01-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

My loan was in Covid19 deferment through XX/XX/2021. Now, they are demanding all of the payments due at once, a total of {$55000.00}. My latest bill says that I am 657 days delinquent on my mortgage, as though there was no deferment and I simply made no payments. I have submitted paperwork for assistance 3 times and was told after the first two times that they had not received anything, even though I received a confirmation email from their system. 
I do not understand how it can be considered a deferment and still show as delinquent payments for the entirety of the time period.
Consumer complaint received 2021-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I used the bank of America 's ATM machine at work ( which is at XXXX  ), to withdraw XXXX dollars, I have been doing the same thing for a couple of months since the bank branches are always long wait during the pandemic, only this time no money came out of that machine. so I immediately called the number it posted and filed a claim. I thought of nothing since it's a bank 's machine malfunction problem that should be easily solved. After the claim was filed, a temporary credit was issued the next day. however, after XXXX weeks I received a denial notice stated that money was dispensed to me and If I disagree. I had to use an old fashion fax machine to apparel, which I did XXXX, all are denied. and the bank refused to show or state that they actually have a video showing i did receive the money
Consumer complaint received 2021-04-04
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STATE FARM BANK, FSB (PA)

XX/XX/2021 I received a letter from XXXX, XXXX saying i owed a balance of ( {$9200.00} ) for a debt that has been sold to them from State Farm Bank , F.S.B . I Wrote XXXX a letter certified mailing, asking for debt validation XX/XX/2021, I havent yet got any form of response. I am very concerned on how cant I get the information when I see the activity dates on the account is constantly updating. XXXX told me to contact XXXX XXXX XXXX for more information regarding the debt and I have already did that before the debt was sold to them. It seems like I cant get any where with either XXXX of these companys when I am asking for validation.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2023-08-11
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: TD BANK US HOLDING COMPANY (NY)

I have the TD cash card. That is a card I have not used in a very long time. TD bank keeps denying my claim. I am from XXXX and I saw a whole bunch of charges on the west coast. I called and blocked the card. I got a new card and opened the dispute. The charges were from XX/XX/XXXX to XX/XX/XXXX. The biggest problem is that I had to call, there were some big charges and as I stated earlier I havent used the card in over a year. Not once did they send me a text to make sure it was me they let everything go through. I called and they opened the dispute but has still not solved it. They are no help I spoke to a supervisor and told them if they would have just sent me a verification text this could have been avoided. I do not use this card. I am from XXXX not from the west coast and I have not been to the west coast since XXXX.
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: eToro USA LLC (TX)

On XXXX XXXX, I downloaded an app for a company trading in Crypto currency called " eToro.com ''. I signed in giving all my credentials, snap of my driver license, Passport, and a selfie for my self holding my driver license all as per their request. and then proceeded to depositing a trial {$100.00} at my eToro account via direct login into my XXXX  XXXX XXXX account, then, I bought with the {$100.00} a crypto currency called Cardano ( ADA ), in the meantime I kept receiving more and more requests for my personal info that I have already summited. I got kind of spooky about this whole thing and decided to sell my position and withdrawal my fund. I sold my position for a total of {$110.00} t but, when I summited my fund withdrawal request a note popped up " We are unable to submit your request. Please contact our customer service for help '' so, I contacted customer service, Their respond was " issue is solved ''. I tried again to request fund withdrawal without success, I tried many times over and over and only receiving the note " issue solved '' and sometimes they ask me to send more personal credentials that I have already sent
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

This item XXXX XXXX XXXX # XXXX is inaccurate and I am requesting that XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX BANK have the item removed and deleted from my credit report. 
This item XXXX XXXX  ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX  BANK have the item removed and deleted from my credit report. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established since the account was sold to another company and I am requesting that XXXX XXXX have the item removed and deleted from my credit report. 
This item DEPT OF THE TREASURY ACCT # XXXX is inaccurate and its credibility must be established because I do not know what this cost is, I wrote a letter to the company to establish credibility but the address on the account is incorrect and I am requesting that the Department send me an interpretation or have the item removed and deleted from my credit report. 
This item BANK XXXX XXXX # XXXX is inaccurate and its credibility must be established because I have fully paid and I am requesting that BANK XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXX  # XXXX is inaccurate and its credibility must be established and I am requesting that CENLAR have the item removed and deleted from my credit report since the account is still open and have no issues. 
This item XXXX XXXXL ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX  have the item removed and deleted from my credit report since the account is still open and have no issues. 
This item XXXX  XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX  have the item removed and deleted from my credit report. 
This item XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX who is no longer handling this account have the item removed and deleted from my credit report. 
This item XXXX XXXX # XXXX is inaccurate and its credibility must be established because I have no information about this account and the collections company is very abusive and threatening and I am requesting that XXXX XXXX have the item removed and deleted from my credit report
Consumer complaint received 2021-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I am submitting a complaint against Bank of America. This is regarding a XXXX XXXX and both my name and my husband 's name is on the account. 

I deposited XXXX checks simultaneously on XX/XX/XXXX, through online deposit. The majority of the checks since the account 's opening in begin XXXX have been deposited online. The XXXX checks were written by the same customer, and it was in exchange for painting services. The checks totalled {$10000.00}. 

The bank has decided to hold the checks for an investigation for XXXX  days, from XX/XX/XXXX to XX/XX/XXXX. This is the date that is reflected on the online banking. A representative I spoke with on the telephone on XX/XX/XXXX mentioned it could take up to 90 days. 

I called customer service twice on XX/XX/XXXX to talk about why the hold has been placed, and both times I had to wait about XXXX minutes before I was able to speak with somebody. The first customer representative I spoke with told me that he could not give any details about the hold. My husband went into the bank and was told the deposits were on hold for having a negative account balance. Online banking does not have a justification for the hold. 

The negative balance has been a direct result of hardships related to XXXX. The account currently has a negative balance of about - {$400.00}. In the past, it has gone down to about - {$2000.00}. The account experienced a negative balance only recently ( the past XXXXXXXX  months XXXX. Before that, the large majority of the time it had a positive balance. The negative balances have always been paid. The fees for the negative balances have always been paid. 

The account has never had a check deposited that resulted in it bouncing. Further, I have another account with Bank of America for over 15 years ; it has no history -- or if there exists a history it is very minimal -- of depositing checks that result in it bouncing. I have another business acount with Bank of America of about 3 years, also with no, or very minimal, history of depositing checks that result in it bouncing. 

We are running a XXXX, and we have XXXX  to pay. It is not only unreasonable to have to tell our workers to wait 11 days for their next paycheck, but it is embarassing. I can understand the investigation length if there was a history of bouncing checks ; but in this case, there is none. 

In a moment when the business is able to pull ahead of the XXXX hardships, I feel like Bank of America has pulled the business back and may potentially make the negative balance even worse. This is frustrating because we have the funds to cover upcoming costs -- we just can't access it.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2021, PayPal limited my account for no specific reason. I have tried to get my account back but PayPal is unwilling to cooperate. I am assuming the limitation is a mistake as my PayPal account has no unusual transactions or history. When I spoke to their customer support, the representative I spoke with agreed that there was nothing out of the ordinary with my account and that she could not identify why my account had been limited. I have not been able to get help from them so far so I have decided to file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. I am willing to cooperate with CFPB and PayPal, and will provide anything that is required to get the account back. My email linked to my PayPal is XXXX.
Consumer complaint received 2021-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.