davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2023-01-24
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. (VA)

Equifax ignored my letter and did not perform a proper investigation like I asked on account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX before sending the account back verified.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Hello so its been now 3 months Ive been calling Citizens Bank to report fraud that happened in my account I sent them proof even filed a police report months ago and I was told i was supposed to get provisional credit and a call from the claims department but its been its months and Ive been calling every single day for the past 3 months Im seriously thinking about taking legal action against citizens bank those fees and transactions caused me financial harm Ive been trying to show them as proof as possible but still nothing has yet to be done
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

The predatory lender, Capital One, extend me credit without verifying my employment or my ability to repay this debt that is loaded with high interest and exorbitant fees. I have not worked or filed taxes in 5 years nor do I owe anything to levy, garnish or seize. They are now continuing their predatory assault against me by selling this debt to XXXX XXXX XXXX and having them report this negative information to the credit bureaus. Credit should have never been extended to me, yet it was.
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

Twice I've written letter to Enhanced Recovery Company and I've never received anything from them in the mail! They are still reporting the item on my credit despite my many attempts to find out why they are there in the first place! They are not allowed to report a disputed debt. They must provide validation when requested. They have standards that they are not committed to and you are supposed to help! PLEASE HELP ME!
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc. (NY)

Support will NOT help me, I have no access to acct XX/XX/XXXX was the start of the credit building account. Have made automatic payments ever since opening account and all of a sudden now I can not access the account. I contacted " support '' and after a few emails, I was told that since my information didn't match, XXXX XXXX could not help me. Mind you, on the website, it says that Kikoff support would be happy to help. I changed my email address and was pretty sure that I contacted Kikoff to get that changed and even if I had not changed it yet, the response I got from XXXX XXXX as " support '' is a joke, she does not want to help me and is now ignoring my emails. The money that I have in the account is not much, but since it is my money, I would like to be able to access my XXXX account. Complained to XXXX also. 

Date of experience : XX/XX/XXXX XXXX
Consumer complaint received 2021-11-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( XXXX ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been disputing this account for validation, verification and inaccurate information reporting from XXXX XXXX XXXX. The Bureaus and Creditor have failed to accurately report or removed on my credit report. My husband had the same account on his credit file and it was removed from his with no issue. I have sent countless letters and its still remains on my file with inaccurate information. Please investigate as necessary.
Consumer complaint received 2020-03-10
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. (IL)

XXXX XXXX XXXX made a hard inquiry at Transunion on XX/XX/2020. I did not authorize this, as I did not apply for any sort of financing with them. It appears that this hard inquiry happened after I sought pre-qualification through XXXX. My understanding was that pre-qualifying for an auto loan does not involve a hard inquiry.
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (NY)

my mortgage payments are {$2800.00} plus i pay an extra {$150.00} Principal payment so a total of {$3000.00} monthly. I have it set up with automatic payments. XX/XX/2020 Sierra Pacific started to automatically withdraw more then the agreed amount. XXXX- {$9300.00}, XXXX- {$8000.00}, XXXX- {$8000.00}. When we looked into it we seen that they had started paying taxes on our property, which we were also paying. It turned out there was unpaid taxes from the year we bought the house that the title company had taking money to pay but did not. And then they started putting money into escrow for taxes and paying taxes a month before they were even due. the taxes that we had paid that they tried to pay were returned to them by XXXX. altough they are not showing this online in the escrow account. Also the took out an insurance policy on our property over double what we pay even though proof of policy was sent to them directly from the insurance company. I never received letters or a phone call that they were going to take more money/pay taxes or take out an insurance policy.I tried to contact them by phone but it took weeks before i could even speak with someone. when we did get to speak with someone, I 1-asked for proof that I had given them permisson to withdraw more the the agreed mortgage monthly amount 2-we pay our own taxes so to stop what they were doing in regards taxes and refund the money they had taking into escrow. 3- refund the money they had taking for the insurance policy.we started emailing XX/XX/XXXX with the 3 issues. We got letters in the mail stating they received our inquiry and they would make every effort to provide a response within the time limit required by law. they have only emailed back and answer on the insurance ( 4 times we emailed all the evidence of proof of insurance ) saying they received and allow 10 days for a reply. this has been going 6 weeks and not one issue is sorted.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

I had a savings account with Chime with {$60000.00} in it. Chime said they were giving 1 % interest and that is why I opened the account. This was the first scam. They quickly cut their rate in half. Because I was not receiving the interest rate that I expected, I started transferring funds out of the account. Because I tried to transfer funds to my XXXX savings account, they closed my Chime account. My account has been suspended for a week and I have not had access to the money. I call them every single day. They tell me it will only be another day or two. I spoke to a supervisor named XXXX who promised I would have the account open either yesterday or today. I had to call again and I spoke with a supervisor named XXXX who was very rude. She told me that my account was closed. She would not tell me why. She would not let me update my address. She told me that in 30 days a check will be sent to an old address that I dont live at anymore. I need this money ASAP. This is my savings.
Consumer complaint received 2024-06-08
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: FIRST NATIONAL BANK OF OMAHA (NV)

I contacted FNBO when I was initially charged for unauthorized charges from XXXX XXXX for {$29.00}. FNBO initially credited my account for the unauthorized charges, and I requested that after I was credited that a PERMANENT BLOCK be immediately placed on my account blocking further charges by XXXX XXXX  Instead, FNBO allowed XXXX XXXX to CONTINUE TO CHARGE ME, despite the fact that I NEVER RECEIVED ANY GOODS OR SERVICES FROM XXXX XXXX 

*1. Therefore, I want AN IMMEDIATE CREDIT for EACH AND EVERY TIME XXXX XXXX  CHARGED MY CARD. *2. Unfortunately, I also want a NEW CARD NUMBER because XXXX XXXX keeps charging my card without my authorization or consent and I can not trust that FNBO will not allow them to keep charging my card. 

I have recently discovered that XXXX XXXX has thousands of complaints by consumers because they are running this same scam of unauthorized charges and repeat charges on thousands of customers.
Consumer complaint received 2023-05-17
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: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX To Whom It May Concern, You are in Direct Violation of the Fair Credit Reporting Act. Chase Auto Acct # XXXX has violated several of my rights. 

15 US.C 1681 section 602 A. CLearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely XXXX XXXX
Consumer complaint received 2021-01-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group (AL)

Approximately XX/XX/XXXX, Foundation Finance Company called my home about my XXXX monthly {$50.00} payment. I have paid them each month on time and sometimes more than my $ 50 monthly. But we are having a COVID-19 issue in our household and informed them that I would be late this month. I will pay my bill on XX/XX/XXXX. I was sent a late payment warning of {$100.00} if not paid by the XX/XX/XXXX. This is accessive ; ridiculous when the whole country of consumers ' are facing job loss ; late fees with the creditor, debt collectors, and more. There is no need to telephonic harass the consumer when all of us are trying to take care of our needs and families with the conditions of our finances due to this COVID-19 issue. All late fees need to be waived and some type of compassionate understand between debtor and creditor during this time.
Consumer complaint received 2021-01-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION (MD)

At the end of XX/XX/XXXX, I attempted to make a payment on a personal loan I had with M & T Bank, only to find out the loan had been paid off without my knowledge. I suspected it was a mistake and called to find out what happened only to be told by my loan officer, XXXX, that he couldn't tell me where the funds came from and that I should " not worry about it, since it's paid off. '' The loan was closed and an additional {$3500.00} was sent to me via check. I deposited that money into my savings account and sat on it, strongly suspecting it wasn't mine but not knowing to whom it actually belonged. I also received a letter dated XX/XX/XXXX, informing me that the loan had been paid off and closed. 

It turns out, a car dealership from whom I purchased a vehicle in early XXXX sent a payoff amount for my trade-in to the wrong bank. ( In order to facilitate the sale of the vehicle, the dealership actually issued a second payment to the correct bank. ) The dealership had been attempting to recover the funds mistakenly sent to M & T Bank beginning less than 48 hours after the mistake had been made. 

On XX/XX/XXXX, I received a phone call from M & T Bank informing me that there had been a mistake and that they had taken out ( WITHOUT my authorization or signature ) a new loan in my name back-dated to XX/XX/XXXX and were taking ( again, without needing my signature or other authorization ) the amount of {$3500.00} from my savings account to rectify the mistake. 

Meanwhile, the dealership had been trying to get its money back unsuccessfully until the funds were returned to them on XX/XX/XXXX. So that means that, during all this time, M & T Bank had possession of the funds. 

My complaint against M & T Bank is this : they have issued a new loan in my name with backdated interest to XX/XX/XXXX in the amount of {$110.00}. It can not be stressed enough - this is interest on money that was in their possession during this period of time. The dealership had not been reimbursed, and I did not have an open account from XXXX until XXXX. 

The remaining balance of the loan at the time the mistake was made was {$4000.00}. The loan reopened in my name was either reopened without my knowledge in XX/XX/XXXX or backdated to accrue interest from XX/XX/XXXX and was reopened in the amount of {$4100.00}. 

I have spoken to several members of M & T Bank, from the branch manager to the corporation 's customer service line. I have told them that the loan should have been reopened in the amount of {$4000.00}. All of them told me " tough luck '' and refuse to change the amount. 

It should be noted that, given the fact that my " new '' loan number is the same as my " old '' loan number, it would appear that M & T Bank has actually attempted to erase the mistake from its accounting records altogether.
Consumer complaint received 2023-02-27
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. (NC)

In accordance with fair credit reporting act XXXX 15 USC 1681 section 602 A states I have the right to privacy.15 USC 1681 604 A section 2 It also states a reporting agency can not furnish a account without my written instructions. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I purchased Tickets XX/XX/XXXX of 2020. Due to COVID-19 the vendor postponed the event. 
In XXXX I received an email from both my emails : XXXX and XXXX. The emails mentioned that the event was canceled therefore, the refund will be expected within 30 days. once XXXX came and i did not see a refund i contacted XXXX, However they said they refunded me on my old debit card and i would need to contact my bank. I mentioned that since XXXX i lost my old debit card which is why i did not see a refund, they still said i need to contact my bank. 

I contacted my bank ( Bank of America ) and the bank said they would open a claim and resolve my claim as unclaimed due to the fact there was no refund in my account. 

I contacted XXXX this week and said i still have received my refund and that they bank resolved my claim as unclaimed which means i never received anything. The customer service was very rude and unhelpful. Customer service kept sending me back and fourth for information between Bank of America and them. They also mentioned that a third party received my refund in New York and i do not live in New York nor did i use my card in New York to purchase these tickets in XX/XX/2020. 

Bank of America directed me to CFPB due to it being past 78 days of the ticket purchase and suggested i would have better assistance to get to the bottom of this matter.
Consumer complaint received 2021-01-14
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. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2020-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

PayPal payment system debited the incorrect bank account, not the preferred bank account, & caused me an overdraft fee. 
Paid with XXXX XXXX, INDIANA ( XXXX  ) Transaction ID XXXX Seller info XXXX XXXX. 
XXXX XXXX XXXX XXXX Invoice ID XXXX Purchase details Upgrade XXXX XXXX 12 Months - # XXXX {$8.00} XXXX XX/XX/2020 I have contacted them many times, through many avenues. 
I have racked up over {$100.00} in bank fees due to their error.
Consumer complaint received 2023-01-24
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. (NJ)

When I looked into my credit report, I noticed that some of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) mandate that these items be verified by the three credit bureaus ( 1 ). ( A ). It is unacceptable to treat these reporting items as unverified allegations without providing evidence within the prescribed window of time. Sections 611 ( a ) and 609 ( a ) ( 1 ) ( A ) ( 1 ). ( A ) Could you look into the unverified items and remove them from my file right away? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-14
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. (SC)

Since XX/XX/2020 I have requested Experian to delete the account in question because of the wrongful reporting. Experian is still reporting a Chargeoff account with a balance from XXXX  XXXX  XXXX. According to the FCRA there should be a {$0.00} dollar reported when the account has been sold to a collection agency. I have attached the invoice from the collection agency and my response letter to the collection agency.
Consumer complaint received 2020-03-11
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. (CA)

I AM A VICTIM OF AN IDENTITY THEFT, THE THIEF OPENED A FRAUDULENT ACCOUNT AND THEY MAINTAINED THE ACCOUNT WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT AND ARE NOT MINE. I HAVE NO IDEA WHO THE THIEF IS, I UNDERSTAND THAT XXXX IS A BIG COMPANY BUT ITS NOT FAIR FOR ME TO BE A VICTIM AND HAVE A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS IS DISCRIMINATION AGAINST A VICTIM OF AN IDENTITY THEFT, I AM TRYING TO EXPLAIN TO THE BUREAUS AND TO THE XXXX CARD THAT SOMEONE STOLE MY INFORMATION AND THEY FRAUDULENTLY OPENED THIS ACCOUNT.