davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

I opened a new TD Bank Cash Credit Card last XX/XX/2019 after receiving a pre-approved offer. I have excellent credit and have been receiving multiple credit card offers, but my main consideration was a 0 % introductory APR for purchases. I researched my credit cards well, and I know what I signed for.

Lo and behold, I scrutinized my latest account statement ( as of XX/XX/2019 ) and found that I was being charged interest for my purchases from Day 1. I then called up TD Bank Credit Card Services, and now they're telling me that 0 % introductory APR was for balance transfers, and not for purchases. I was in front of the computer while speaking to the customer service representative and found that the card has 0 % introductory APR on purchases. Source : www.td.com/us/en/personal-banking/credit-cards/cash-card/ The customer representative said that this promo does not apply to me since I applied in XX/XX/2019, and that promo is for XX/XX/2019. This customer representative 's statement infuriated me because I know what I signed for. I signed for a zero percent introductory APR for purchases, otherwise I would have opted for another card. I really felt defrauded, but my fault is that I could not find the credit card disclosure statement in my documents. I can not recall if I ever received one.

I am aware that 12 CFR Part 1026 ( Regulation Z ) XXXX requires banks to post credit card agreements on the internet. I searched the customer-facing website for cardholders ( www.tdcardservices.com ) and could not find the disclosure/ agreement that I need. I did a XXXX search instead, and found a disclosure statement, but the date is XX/XX/2019. 

I believe that as a matter of banking transparency, TD bank should : ( 1 ) make ALL credit card agreements available, including an archive of previous ones ( 2 ) make such agreements readily available in the customer website. I should not need to use XXXX to find the agreement, and ( 3 ) customer website should reflect front and center if there are interest rates being levied on the account. The Chase mobile app has this, and I have no complaints.

( 4 ) stand by their 0 % introductory APR offer.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (NC)

I recently submitted a request that in fact XXXX XXXXXXXX had to open credit cards in my name one ending in XXXX in the other ending in XXXX. We submitted a letter a suit last month and a payment was made in the credit card that was open XXXX XXXX XXXX submitted a letter to XXXX XXXX not crediting the payment that was made for some ungodly reason We are not sure. The account ending in XXXX along with the other ending in XXXX were both open as stated above without XXXX XXXX permission. This account was recently closed and as you know closing a line of credit or loan of credit on a credit card account decreases a credit score. XXXX XXXXXXXX bank needs to resolve this issue as fast as possible as again their issue originally calls me to get declined for a mortgage application. We are furious about this matter and this needs to be resolved ASAP
Consumer complaint received 2022-12-28
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-06
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. (GA)

This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In XX/XX/XXXX added money to a fixed mortgage credit score dropped because of it! paymeants were XXXX was paying XXXX a month couldnt tell me were my money is that I over paid for year and a half to be ahead then in XX/XX/XXXX this year closed my account a 20 yr  mortgage with no warning Im in middle of a loan that is on hold cause of virus going and was alerted that my score dropped 40points again because of same people which u cant get a hold of them sent me a statement for next month but nothing on being sold again had to reach to find who took over and now they are missed up to cause they dont have life insurance that I have paid for for 20 yrs also with the last year they have done but cost me money and hurt me financially for there mistakes!! the amount of loan the loan being closed adding money to the loan reunion my credit and takin my money on life insurance
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (CA)

The equipment and other cable boxes had been returned already, almost 3 years ago to their office. The receipts of that return had not been retrieved due to some unavoidable circumstance. Yesterday, for the first time, I received a collection notice in the total amount of {$300.00}.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

A man from XXXX called me claiming that someone from XXXX Texas had tried to open a charge card in my name with my social security number. It was not me he said his name was XXXX XXXX number XXXX XXXX XXXX x XXXX and I could call XXXX to verify. He knew my charge cards and the balances on the and tried to get my howl social security number he had the last four numbers. Gave me this number as a confirmation number XXXX. someone must have gotten into my credit report
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NC)

On XX/XX/XXXX I started to refinance my house and my credit report was ran, there was a account on my credit report that I was not aware of that was showing delinquent. the account was for XXXX XXXX XXXX and was reporting to credit report by Credence resource management. I attempted to call XXXX XXXX XXXX on XX/XX/XXXX and they couldn't give me access to the account because I didn't have the PIN, I didn't have the PIN because I didn't open the account. at that point I attempted to call Credence Resource. I have never received any bill or any notification of debt or lack of payment. Credence shared with me the address they send information to which is not my address or even the state that I live in. the employee with credence resource stated there was nothing they could do and I had to file a police report. the amount is {$780.00}, they stated the account was opened in XX/XX/XXXX and submitted to credence resource in XXXX XXXX the account number credence gave me was XXXX
Consumer complaint received 2020-04-01
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: Innovis (TX)

FTC VIOLATIONS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I received my state tax refund check in the mail on Monday XX/XX/2020. I immediately took it to the bank and deposited into my checking account at Chase Bank. I know checks take time to process so I didn't think anything of it and continued my day. The next day I go to buy food for my XXXX toddlers. My debit card is declined despite me knowing I have money on it ( money that's not from the check, but fromy XXXX XXXX ) So I look into it and find out that my entire account has been frozen. I have received no communications, letters, alerts, or any attempt of contact with Chase bank at this time. I reach out on social media to which I receive an automated response. Then I try to call about it and I sat on hold for 3 hours then got hung up. I called again and waited another 3 hours to get hung up on. Another 3 hours then told they are now closed. So the next morning on Wednesday XX/XX/2020 I receive an electronic letter from chase  stating I can not use my account and they are closing it because I didn't provide requested information. They never requested any information. So the second they opened, I called and waiting an hour to talk to someone. They told me the account would be fixed, the hold would be lifted, and I would have access to my funds as soon as my husband took two forms of identification to the local branch. So we did. And they said they couldn't do anything without calling. So 3 hours on hold and they answer talk to the representative, and hang up. Then they say there is nothing they can do I will have to wait three months to get my state of Colorado check back in the mail. I was lied to by someone because I was told if my husband brought identification it would be fixed and I'd access my funds. This was not the case and now we are unable to get through to any chase representative. I need this to be fixed.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXXMonthly Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment XXXX XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment XXXX XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT
Consumer complaint received 2020-03-23
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. (IL)

experian refuse to contact original creditor to correct info on acct. they refuse to dispute acct. they refuse to verify acct. they refuse to provide manner of investigation. they refuse to follow state and federal law on acct dispute. the acct is with XXXX XXXX XXXX XXXX ending in XXXX. they refuse to listen to original creditor to remove/ correct credit file. They have taken over 30 days to investigate complaint 4 times so far.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (NC)

I paid a debt that was for XXXX, and it was paid to UNIFIN. I was told by the representative on the phone the debt would be reported to the credit bureau within 30 days, as I wanted to be sure it was reported. I am a single mother trying to pay off my debts to get a home for my son and I, and this was very important to me. 30 days passes, and it was not showing on my credit report. I called back, and another rep told me it should show soon. 60 days passes. I eventually received another bill in the mail showing an oustanding balance, and I was very upset. I called and was told this was inaccurate and that the bill was already paid. When I asked why it had not been reflected on my credit report yet a lady named XXXX ( I believe? ) said " sorry, this account isn't reported to the creditors. '' I called XXXX, XXXX XXXX, Unifin -- - no one cares that it has not been reported to the creditors, although when I called Unifin and e-mailed in response to their receipt showing my payment I was told twice before it would be reported. There should be recordings of this since they always say " this call is being monitored '' .... yet no one can seem to pull up a recording when I ask them to, as that will prove what I am saying is true. This is not right. 

I reported to the XXXX, and the company still contested it saying the account is not reported to creditors. Why did two different reps tell me twice it would be reported- just to get my money? I still show a derogatory account on my credit report to XXXX. I even mailed XXXX a letter, and they were no help. THIS HAS BEEN PAID!!!!!!! I have the receipt where I paid the settled balance Unifin offered in full with my debit card on XX/XX/2020. Had I known this would happen, I would have required it be put in writing that it would be reported to the creditors. I took the reps for their word. 

This is so unethical, and I have done every possible thing I can to hold them accountable to what I was promised. Something as simple as reporting my account was paid in full for the settled balance -- to eliminate it showing as derogatory, because I did my part of paying my balance.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Franklin American was purchased by Citizens Bank last year. on XX/XX/XXXX, the servicing of my mortgage loan was transferred to Citizens One Home Loans. I did not see the change and my XX/XX/XXXX payment was automatically sent to Franklin American Home Loans. To date, Franklin American Home Loans has not sent that payment to Citizens One to credit the mortgage account. I have attempted to contact Franklin American to determine where that money went, but I get an automated response that states my  account was transferred, then the call ends.
Consumer complaint received 2020-03-23
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: EQUIFAX, INC. (OK)

After realizing my identity was compromised I immediately decided to take the necessary steps in attempt to try resolve this matter with all three of the major credit bureaus. I have sent several disputes including a identity theft report which included several of the fraudulent accounts in question. I have included several pieces of supporting documentation along with my identity theft report and Equifax has failed to provide accurate verification as per the Fair the Credit Reporting Act. Equiax has failed block the fraudulent accounts within 4 days of being notified as per section 605b. Equifax has also failed to abide by sections 609 and 611 of the Fair Credit Reporting Act by taking more than 30 days with the investigation and clearly violating my consumer rights. The fraudulent accounts in question are 1.XXXX  XXXX XXXX # XXXX, 2. XXXX XXXX FKA XXXX  # XXXX, 3. XXXX XXXX XXXX  # XXXX, 4. XXXX XXXX University # XXXX, 5. XXXX XXXX  # XXXX. All these accounts have and were included in my identity theft report as a result of fraud and in no way should not be listed on my credit report. Equifax continues to send out vague responses without any significant proof of showing any obligation connecting me to any of these debts.
Consumer complaint received 2022-12-29
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

Hired XXXX XXXX Law Firm a XXXX with XXXX in advance she announced ready XX/XX/2019 in front of Judge XXXX cause number XXXX XXXX - XXXX - XXXX - XXXX 
The docket was thrown out because she did not serve the opposing Party On that XXXX XX/XX/2019 she was fired in the district court docket inadequate assistance of counsel and malpractice.. 
In the court record of the XXXX XXXX XXXX XXXX documents of her termination as my representation ... 
She then married an attorney that owns Fidelity collection agency since then they have been sending me a bill of {$2100.00} for work that I did I pinned with my own hand ... 
XXXX XXXX is a fraud and should not have a license as a lawyer and has taking it to the point of destroying my credit since XX/XX/2019 she will never be paid by me another penny ... 
Because the charges are fraudulent charges not approved by me XXXX XXXX XXXX. 
I believe XXXX XXXX should be made to stop destroying my credit and that she should be made to give me back my {$4500.00} for her malpractice.