davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I have a checking account with TD Bank. On XX/XX/20 I was charged in XXXX with several unauthorized transactions. The amounts were {$400.00}, {$390.00}, {$350.00} and {$840.00}. The company that charged me these amounts was XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. As you can see this company is a food company. How am I going to buy all this food in one day? 

I filed a dispute with TD Bank and they said that these charges were valid. I refused to pay these amounts because they used the information of my debit card to rob me. 

XXXX XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stokes & Wolf, P.C. (CO)

Stokes & Wolf , P.C . mailed a collection notice to friend who resides at a different address dated XX/XX/2022. This is not consistent with the practice of not contacting parties who were not listed on the collection notice in an effort to collect a debt.
Consumer complaint received 2020-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains a late payment reported on 2019 XXXX, XXXX, XXXX, XXXX, XXXX for my Fedloan account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had lost my job and moved to XXXX NC. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on 2019 XXXX, XXXX, XXXX, XXXX, XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! Thank you for your consideration. Have a blessed day!
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (LA)

My Regions Checking Account has been compromised due to the following unauthorized charges made via XXXX XXXX XXXX {$1500.00} XXXX {$940.00} XXXX {$600.00} XXXX {$190.00} XXXX {$100.00} XXXX {$100.00} I have spoke with representatives from Regions Bank on several occasions -- and they have concluded to NOT provide any credit to my account because all the transactions passed a " fraud analysis. '' When I asked Regions bank to provide more in depth information on the process of this analysis, they responded with the resolution that I needed to reach out to XXXX XXXX. This has been an on going issue for the past month, as I have tried reaching out to XXXX XXXX in which automated email responses have been the form of communication from this vendor.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

This is not a duplicate complaint but a complaint of credit cards payment policy. My credit card was stolen and because of Chases payment policies the credit limit was exceeded and even doubled when payments were made by the thieves. Let me explain. The thief used the card up to the credit line and then made bogus payments as many as 4 times in a short period! And Chase kept accepting the payments and freeing the card to use. Chase never put a hold on payments like banks even when the thief used the same bogus account number multiple times. Chase surprisingly was not aware of this tactic until I brought it to their attention and requested the method of payments. I am not responsible for Chases 21st century payment inadequacies. We are in the year 2020 and it should be easy software to put a hold on a payment like banks especially when the same bogus account is used. Chase could have prevented the theft of more than {$5000.00} by having a policy holding payments until cleared through bank. Even if Chases software doesnt allow a hold, they should have at least be alarmed when multiple bogus payments were made on the same account. I did not authorize the payments and the account used was not mine. Clearly fraud. However, Chase denies fraud, and accuses me of siding with the thieves to my own detriment. Unbelievable!
Consumer complaint received 2023-01-06
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. (NY)

I was a victim of identity fraud and was notified that a thief opened a fraudulent account without my authorization. I have already reached out to the creditor and closed the account. The bureau told me to get a ftc report and mail it in before they can remove the account. Below i have attached the FTC report, id, snn, and proof of address. Remove this account as soon as possible as it doesnt belong to me and is reported to be identity theft and fraud. I know it against the law to report items on my report that do not belong to me. 
It would be illegal to keep it on my report while it is identity theft and a fraudulent account. 

XXXX XXXX
Consumer complaint received 2020-10-05
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: Experian Information Solutions Inc. (PA)

Experian is not reporting this account correctly and it's hurting my chances of purchasing a new home for my family. As you can see, XXXX  is reporting correctly that the account was current and paid but Experian show it as a collection/charged off account. 
XXXX Opened XX/XX/2019 Balance owed {$0.00}.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Opened my account with USAA whove Ive banked with for 6 years and have been using my hometown bank so I just opened a new checking and savings account and transferred just under 4 thousand dollars from my checking and savings account with XXXX XXXX to USAA and they said they would place a hold on the funds until XX/XX/XXXX and then extended the hold to XX/XX/XXXX leaving me with absolutely no money. My own money
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (LA)

I have two accounts old accounts listed from chase appearing on my credit report as a charge off. The accounts and charge offs are over 7 years old they should be deleted from my report. The company refuses to verify any of the information as well
Consumer complaint received 2020-10-05
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: Financial Management Solutions, LLC (GA)

i sent out disputes to the credit bureaus on XX/XX/2020 about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed a police report also filed an ftc report as well.
Consumer complaint received 2023-01-06
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. (AZ)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I rece

ived two unauthorized charges on my checking account, I tried to have them stopped and reversed. Each time I talked to the bank they gave me a different reason why they could not stop the transaction or revise the charges. I chose not to continue my phone service with XXXX XXXX ( XXXX XXXX XXXX ). I started service with another cell phone provider ( XXXX ). On the same day, I started the new service XXXX XXXX XXXX charged my account for coming month. I contacted XXXX XXXX XXXX. The phone representative told me we do not make refunds under any circumstances. I immediately contacted 5th 3ed Bank to request the transaction be stopped. 5th 3ed Bank told me they could not stop the transaction because it had not posted.

Four days later contacted 5th 3ed Bank after the XXXX XXXX XXXX charges were deducted from my account. I was told that they could not reverse the charge because the charge was not processed.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MI)

MESSAGE FROM EXPERIAN CREDIT bureau : Our office recently received your correspondence regarding the above-mentioned consumers rebuttal of our response to their complaint. 

We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows : not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes : not mine, paid/satisfied, vacated or filed in error. If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number. 

Please provide the consumers specific disputes along with their complete identification information ( Social Security number, full name, current address, previous addresses in the last two years and date of birth ). Also, please include one copy of a government issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. 

Please note that they may submit their request or documents supporting their claim electronically at www.experian.com/upload. They may also visit Experians dispute center by visiting www.experian.com/dispute. 

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX XXXX TX XXXX XXXX 

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. 

Sincerely, XXXX XXXX Senior Regulatory Affairs Associate Experian Consumer Affairs THEY ARE FULL OF XXXX! THEY CAN'T HAVE ACCURATE INFORMATION IF THEY DON'T HAVE MY INFORMATION. REMOVE THE NEGATIVE INQUIRIES FROM MY CREDIT REPORT NOW!!! EXPERIAN, XXXX, AND XXXX IS IN VIOLATION OF STATE AND FEDERAL LAWS.
Consumer complaint received 2020-10-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

The issue is that Experian is in violation of my rights under the FCRA. They have failed to provide me with the methods that they used to verify false information on my credit report. Not only have they failed to provide me with proof of an actual investigation, but they continue report accounts that could not be verified by to original creditor. 

OnXX/XX/2020, I sent a letter to Experian via certified mail ( tracking XXXX ) requesting that they provide a summary of how they verified the information on my credit report. Experian never responded to my letter and they continue to report unverified information and accounts. The method of verification should be provided within 15 days, but it has been nearly two months. It is my understanding that any information that can not be verified must be removed. Information that they fail to show how it was verified must be removed as well or I can hold them liable for damages. 

I also took the liberty of reaching to the individual creditors. XXXX XXXX XXXX  could not be verified because the address provided was not a real address ( a image of the returned envelope is attached ). The XXXX XXXX XXXX  was removed but added back to my report without any explanation by Experian or the creditor. The XXXX XXXX XXXX never responded to my request and they report that I live in Arkansas. I have never lived in Arkansas. 

By continuing to report this inaccurate and unverified information, that are in violation of the FCRA and could potentially be liable to fees and legal action. I have attached all of the letters and information that I have sent to them.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2023-02-18
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: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX I purchased a flight through XXXX XXXX. I used a XXXX account and the Citizen 's bank Debit card attached to it. The price was XXXX XXXX dollars. 

The amount was quickly withdrawn from my Citizen 's bank checking account. Simultaneously, a hold for an additional XXXX dollars was placed on my account, for a total of XXXX for my purchase for half that amount. 

I have called citizens, paypal, and the airline. Three times each. Each blamed the other in turn. I was told this is normal practice, and the hold will resolve on XXXX. In the meantime, my checking account is missing XXXX dollars that I can not access to pay my bills or make any purchases. 

I find it completely unacceptable that a company can withhold my money for double the amount. None of them can tell me even which is responsible for it. I was told if I dispute the hold I may lose my flights. So I have no recourse.
Consumer complaint received 2020-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NY)

I received a letter sent on XX/XX/2020 from Capio Partners, it said " Your XXXX XXXX  XXXX  XXXX  account has been sold to XXXX XXXX XXXX. Attention has been contracted to collect the outstanding balance. '' The balance due is {$1800.00}, but they offer to settle for XXXX if i pay by XX/XX/2020. 

I have XXXX and have XXXX which covers all my medical bills. I have tried to call XXXX  XXXX XXXX and Capio Partners. XXXX  XXXX tells me they are not the company I am looking for and Capio Partners goes to a voice mail. 
I noticed my credit score drop recently and I believe this is fraud.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION (OH)

On XX/XX/2019 we reported a fraud dispute form to SuperFleet Mastercard stating that one of our company gas cards had been stolen and there were multiple fraudulent charges made at a gas station in XXXX Ohio. There were multiple purchases of Premium Gasoline made on the same day very obvious fraudulent activity. SuperFleet would not cover the charges and sent our statement to a collection service.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (TX)

Beginning Monday, XX/XX/2020, I have attempted to contact my lender, XXXX, and the team ( copied ) numerous times via email, text message and phone to answer questions regarding my home loan. Each day, I have been told by various recipients that my questions and concerns need to be directed to my personal lender, as he should advise. Simultaneously, I am told by my lender himself that he is going to check with the team and get back to me, only to leave my calls and messages unreturned and questions unanswered. 

I have been trying to ask questions regarding compliance, policy, documents I have received and, most importantly, communication. I have asked multiple times why there has been a lack of transparency and honesty in regards to my loan in underwriting and as it nears closing. Once again, the team directs me to my lender, and my lender is not providing any explanation as far as the reason for any miscommunication. The lender also added additional charges to the initial closing disclosure, which have been question but he has not provided specific answers. 

Additionally, I have also been asking for a revised closing date for the last four days as my family and I have to make arrangements to attend. Initially, I gave a closing date of XX/XX/2020. Beginning XX/XX/2020, I began asking the lender and the loan coordinator if we are on schedule to close by the given date ; the lender has always told me that we are on schedule and should be closing. During the week of XX/XX/2020, I received communication via phone from the lenders assistant that we are definitely not closing on XX/XX/XXXX and the soonest would be Monday, XX/XX/2020. This was not communicated to me directly from the lender, who still said he had only hoped it would have closed on the original date. To my knowledge, my file was not sent to XXXX XXXX on Friday, XX/XX/2020 as the lender stated in the email below. The closer, XXXX, at the title company, has said to me that she has not received anything concrete from the lender and the team and will not schedule closing. 

To reiterate my concern, both the seller and the contacts at the title company both share the same sentiment : that XXXX and the team are not responsive to their calls and emails. I do not believe they are telling me this to get me worked up, as the lenders assistant said to me via text. Understandably, we are all trying to close on this deal ; however, this can only be done when there is communication between all parties involved. I, as the buyer, have the right to obtain feedback from all parties and have attempted to sort through the misconstrued information as best as possible. As the buyer, I also expect my lender to provide timely and truthful answers to my questions about my loan specifically and the buying process as a whole.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/2022, XXXX notified me that a creditor received a copy of my credit report, however I did not apply for credit. ComenityXXXX XXXX XXXX also sent a notice of denial to an address I have not used in over XXXX XXXX, using a last name that I haven't used since XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX who advised me to notify the FTC.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Ex boyfriend stole multiple cards while in hospital completely emptied all while in hospital for months he also had accident with my car and gave my information instead of his own to other car that he hit his name is XXXX XXXX XXXX of XXXX now XXXX ma he has continuously harassed me from XXXX online not only my cards my mothers card and ex husbands card