davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
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 (ID)

On XX/XX/XXXX I received an email asking me to rate my online pick up experience at Target.com in XXXX XXXX, FL. I do not live in FL nor have I ever. I immediately checked my account balance online. It was at a XXXX  balance. I called customer service, asked if there was a computer glitch, explained the email. I confirmed that my account was at a XXXX  balance. I did not feel comfortable with the call. At that time I asked that the account be closed and a new card reissued to me and to record my call. Six days later I recieved a courtesy email from Target.com that my account balance was over {$600.00}. I immediately called and the charges totalled {$1000.00}. All charges made on the same day, all charges were in store pick up, all in XXXX XXXX, Florida. I initiated a fraud report and asked that the my account be permanetly closed. Getting the account permanetly closed tood several calls. I recieved a form to complete where I was to list all charges I believed were fraud. I completed form and mailed it back. The form included all the necessary details : 3 separate charges all made on XX/XX/XXXX ( {$83.00}, {$470.00}, and {$470.00} again, all charges were in store online orders picked up in XXXX XXXX, FL ) I just received yesterday a letter from Target Credit Card Fraud reading that my claim has been denied for the following reasons : 1 ) Our records indicate that the order ( s ) being disputed were placed using a Target.com account that verfies to you 2 ) Our records also indicate that there are previous orders placed using the same Target.com accoun that have not been disputed. I called on XX/XX/XXXX and was hung up on twice. I called again on XX/XX/XXXX and was told I my story was verified. My account was noted of all the above but that I need to file an appeal letter and hopefully my account will be cleared. I just recieved an online statement for {$1000.00} with a due date of XX/XX/XXXX. I have exhausted many avenues to seek help. No one is helping.
Consumer complaint received 2020-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (MI)

I took a loan from upgrade for loan amount XXXX to consolidate bills.My credit score at the time of the loan was XXXX ( XXXX  ) .The APR or rate is 32.27 % .Upgrade is ripping me off with this rate.My monthly payment XXXX, which is way to much for this loan.Also, since this coronavirus pandemic, And was laid off of work because of coronavirus pandemic, I called upgrade for there hardship program because of coronavirus.They approved a three month program with payments of XXXX.They said at the time of setting me up with hardship program, that this program wont affect my credit AT ALL as long as i pay the hardship program.My first hardship payment was on XX/XX/2020.On XX/XX/2020, I recieved a email saying im past due XXXX and im delinquent.How can I be Delinquent if im on a hardship program because of coronavirus? Therefore, My APR is way to high and cleary upgrade is taking advantage of me.Therefore, I shouldnt recieve any email saying im delinquent when im on the hardship program and this should not affect my credit.Also, if my normal payment XXXX and they cut the loan down to XXXX due hardship program because of coronavirus shows how much money upgrade loans is making off of interest.
Consumer complaint received 2020-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (OK)

After noticing a fraudulent account on my consumer credit report, I notified the 3 major credit bureaus, affectively disputing the alleged debt. I.Q. DATA INTERNATIONAL, INC. was contacted by the 3 major credit bureaus, but has subsequently disregarded 15 USC1681 ( b ), constituting a willful violation and possibly a tort claim. 

I demanded proof of documentation with respect to either an application for credit, services or employment executed with I.Q. DATA INTERNATIONAL , INC., supporting their ability to obtain my consumer credit report. They have failed to do so and continue to violate 15 USC1681 ( b ). Civil liability for I.Q. DATA INTERNATIONAL INC. 's willful violations exist within 15 USC1681 ( n ).
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

i have been a customer here in good standing for many years. I had asked for a call back got one friday wherein i requested some follow up info. Specifically, why is my apr 18.99 for interest? when why how did that change? also asked as to the check i got the terms. can i deposit it? when will it be due WITHOUT penalty? XXXX  said she would call me on card ending XXXX nothing. i am busy not going on a wild goose chase. i tried chat got me nowhere with in accurate info. I am tired of scripts and being sent on wild goose chase.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (TX)

On XX/XX/2020 I contacted Citi-Bank about relief from making payments during these unprecedented economic times, a stock market crash and the XXXX XXXX Virus XXXX. Citi-Bank has refused to help me in any manner what so ever. 
My payments were due on XX/XX/2020 and XX/XX/2020. 
Please see Citi-Bank 's XX/XX/2020 attached response letter. 
This morning I was on Citi-Bank 's webpage and Citi-Bank is offering 2 months of no payments, waive late fees and no impact on Credit Card account. 
I need help with Citi-Bank please.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I submitted a dispute on my debit card. XXXX XXXX due to a flight they cancelled at the last minute. They refused to refund my debit card. So I filed a dispute with USAA. I called the CS Rep who initiated a temporary credit. I received a Dispute Letter asking for documents. This is what I told USAA : I submitted 4 documents. One was the narrative and the other document proof of my ticket after payment. Flight information and all that. 
This information was submitted on XX/XX/2020 the same date received. I received a email back that the documents were received. Fast forward last night received a letter that my credit will be reversed that they could not read a document. USAA would not give the courtesy of informing me that they could not read a document. They waited two weeks until the time was up for me to resubmit to send this letter out. I called spoke to two reps and a executive person who stated their DISPUTE department do not take calls and there is nothing they can do to rectify. Due to the coronavirus and what is going on in our world to expect USAA to be there for their members is too much to ask. I have stopped all direct deposits and removed my money to XXXX XXXX. This back in absurd and they poor bank practices leave much to be desired. I would like for this complaint to be posted to your website. I can't totally close my accounts with them until my stimulus check hit. But rest assured I will not be doing business with this amoral company ever again. USAA conveniently states they can't read a document or they say they never received a document. They are liars and I know {$270.00} is not a lot of money. Karma is a XXXX and I plan on getting as many people I know to leave USAA.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (NC)

XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2020-04-07
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my XXXX id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my XXXX id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (TN)

On XX/XX/2021, I sent a letter to XXXX, XXXX, and Equifax to dispute to 2 public record accounts ( bankruptcy ), 2 collection accounts from XXXX XXXX and 16 inquiries in total which is in violation of FCRA 15 USC 1681b ( a ) ( 2 ) : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is also a violation of FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681a ( b ) defines person as : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

I am the consumer in fact and I never gave anyone permission to furnish my information. No consent is identity theft. 
The person or persons who invaded my privacy are fault via FCRA 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2020-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Delta Management Associates, Inc. (CA)

Delta Management Associates is out of compliance with the CARES Act. 

In reference to XXXX, Delta Management Associates states, " Delta Managements Associates , Inc. ( Delta ) is in compliance with this Act as the garnishment payment in question had already been processed prior to this being put in place. This went into effect on XX/XX/2020 and the pay period for this check ends on XX/XX/2020. '' The CARES Act is clear about garnishment date. The pay period does not matter because garnishment did not occur on XX/XX/XXXX it occurred on XX/XX/XXXX, which is the effective date of the CARES Act. 

Furthermore, this answer from Delta Management Associate is different than their previous response. They are now changing their argument as they concede that XX/XX/XXXX is included in the CARES Act.

Now Delta Management Associates attempts to argue the pay period date, which is not included in the CARES Act. 

This is yet another attempt by a predatory company breaking the law.
Consumer complaint received 2021-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

after cancel a dispute with bank of america.they went a head and order a merchant to give them money said i made a dispute with them.hence forth money was taking from the recepient account where i had to pay him back.i asked the give me funds that they requested from XXXX XXXX.they refuse to give me back my money.and on top of it they keep stealing money from my account every week i asked about my money they refused.the amount that was took away was a XXXX and bank of america refuse to give me my money
Consumer complaint received 2021-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (VA)

On XXXX XXXX I put XXXX on a bitcoin through XXXX  it went through fine on their side but when I went to check and finish set up on Coinbase wallet they had cut me off and I went to check the wallet it said wallet not found I never got to finish setting up my coinbase wallet and can't access my bit coin at all. The second time it happened on XX/XX/2021 I put XXXX on another bit coin on XXXX. The transaction went through again fine on XXXXXXXX XXXX side but has never showed up in my bitcoin wallet on XXXX. I have emailed support several times from XXXX and Coinbase and have not had gotten a response back from either one. There is no phone number to call just email or text also texed both companies and once again no response back.I put cash in the bitcoin machine and have the recipets to prove the money was put on there. But, has never showed up on the coinbase wallet or on the XXXX  wallet.
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

I sent out my first dispute letter to Equifax ( notarized ) on XXXX XXXX and they had thirty days to respond within that timeframe. They responded back and sent me my dispute results which I have uploaded as well. It clearly states the account status updated, payment history, and negative remarks removed / changed. I refreshed my credit report and got a notification from my monitoring app that the status was changed updated or changed back. They did not notify me at all of this change via mail since they have sent me my results after the investigation period. This has negatively affected my ability to obtain new credit and a mortgage loan. They never provided any proof as I requested in my letters from the original creditor, they have ignored my request.
Consumer complaint received 2021-06-20
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. (IL)

On XX/XX/2021 I notice there were inquiries add to my credit report and filed a identity theft report with all 3 credit bureaus asking them to remove the inquiries however I never received a response and its been well over 30 days with no response
Consumer complaint received 2021-06-20
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. (KY)

I have been a victim of identity theft submitted multiple requests to have fraudulent accounts removed from my credit report have submitted identity theft report from ftc listing fraudulent accounts as well as a police report and they still refuse to delete and block the accounts from my report I have provided all that's required by law to have them removed and they still won't remove them I don't know what else to do
Consumer complaint received 2020-04-07
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: Capio Partners, LLC (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Consumer complaint received 2020-04-07
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-06-20
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 ()

Hello CFPB, Paypal permanently limited my account for no specific reason. They also held my money in my Paypal Account email address XXXX and Its been 180 days. My funds are still on hold and every time XXXX email or call them I get no solution at all for this problem. Would really appreciate your help. Thank you so much. 

Best Regrads, XXXX XXXX Paypal Account XXXX - XXXX XXXX
Consumer complaint received 2020-04-07
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. (TX)

XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$230.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I cancelled this account well within the time allotted per the contract but they continued to charge the account. The representative I spoke with at XXXX assured me that this was their error and that they would correct the issue. The representative also assured me the account was in fact closed and in good standing and that this account would not go to collections. There is no outstanding balance due and therefore nothing to collect/chargeoff. I never received any correspondence from XXXX that this account was allegedly in jeopardy. I did not know this account had even gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have called XXXX and I have contacted the bureaus to remove this however, I have not been successful.