davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On Friday XX/XX/XXXX, at approximately XXXX XXXX XXXX, made a XXXX transaction to my bank account for {$500.00}. As per TD Bank 's Mobile App, the money was to be deposited in my account " within minutes '' as it always has been with XXXX since the very beginning. The whole purpose of XXXX is to receive and send money instantly. We have used this service several times and there was never an issue. On XX/XX/XXXX at approximately XXXX I spoke to XXXX a supervisor at TD Bank. There were numerous excuses given regarding their policy and XXXX 's policy. Point of the matter is this : TD Bank allows XXXX to tell customers " available within minutes '' when sending a transaction and once the transaction is processed, the customer receives an email advising the money won't be available for 3 days. " next business day ''. this is defrauding customers who use the XXXX service on TD bank mobile app. Furthermore, no one at TD bank could tell me where the money is located. The monies have been taken out the sender 's account and not put back nor deposited where it should be. Who gave authorization to XXXX or TD Bank to Hold on to the money? TD will not accommodate customers, their response is we can cancel the XXXX transaction and you can resend the money with hopes that it will be available within minutes and if not oh well you have to wait 3 business days for the transaction to " clear '' it was a money transfer from TD bank to TD Bank-wait for it to clear? TD Bank did not want to take the extra step to contact XXXX Thier response to get me off the phone was " Ma'am there is nothing we can do about it '' meanwhile, about 3 weeks ago I was a victum of fraud were almost $ 5k came out of my account and what do you know that was instant, " within minutes '' as XXXX likes to portray.
Consumer complaint received 2024-04-09
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: JPMORGAN CHASE & CO. (AZ)

Purchased an item on Amazon Order Was Placed on XX/XX/2024 Amazon Order Number ; XXXX Price ; {$930.00} Item Was not as Described, when it Arrived, Package already opened Item Returned to Amazon Via XXXX Pick-Ups tracking Code ; XXXX Return was Delivered to Amazon on XX/XX/XXXX from XXXX  Amazon Has received the return, and refuses to Refund the purchase Contacted Chase to dispute the Purchase, as Amazon was refusing to Provide the refund. 
Chase contacted Amazon, but then refuses to continue further with the dispute removing the credit for the product that was given during the dispute process. 
Chase states that the merchant, Amazon should be liable for the Product, but refuses to Assist me further and closes the dispute process.
Consumer complaint received 2020-03-13
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. (TN)

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. The amount reporting is incorrect and needs to be reporting a {$0.00} balance. I contacted XXXX and they told me they had no information as to whereabouts of the vehicle and whether or not the vehicle was sold. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-13
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. (TN)

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. The amount reporting is incorrect and needs to be reporting a {$0.00} balance. I contacted XXXX and they told me they had no information as to whereabouts of the vehicle and whether or not the vehicle was sold. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-31
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-30
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX XX/XX/XXXX {$320.00} ( Original Creditor : ) XXXX XX/XX/XXXX {$2700.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TX)

The XXXX XXXX XXXX  XXXX XXXX, who represents National Credit Systems, is not licensed and bonded in the state of Texas to collect a debt from me, according to nmlsconsumer.org. I am willing to open up a civil claims suit for the number of times they have attempted to collect a debt while in the state of TX. They have falsified email records stating they are licensed to collect in TX, which they are not! Remove this collection from my credit report.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

I disputed multiple charges from my checking account with Truist Bank, haven't received any documentation from Truist. The charges that I disputed, Trusit hasn't blocked the company from taking my money. 

I have reached out for new debt cards and still haven't received them.
Consumer complaint received 2021-03-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I missed a payment with XXXX XXXX due to having COVID-19. The charge was for a promotional service who automatically charge my card for {$10.00}. When I became aware this account was past due I made a payment right away on XX/XX/XXXX. I called XXXX and explained I had COVID and was not aware of this charge. They removed the late fee and said they would update my account. Instead of updating my account they reported me late to the credit bureau and now my credit was reduced by over 50pts. I disputed the late payment through Transunion and XXXX reported I was late and it should remain on my account. I called XXXX on XX/XX/XXXX asking if they could remove this from account due to me having COVID along with me being a loyal customer for over 20 years. They told me no because it was not their error. I explained again the payment was missed due to me having COVID and not being able to check my mail they refused to remove it.
Consumer complaint received 2020-03-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (OH)

In XXXX, 2019 the house went into foreclosure due to financial issues. My ex-husband had taken out the mortgage, while we were married, in his name only. I filed with the court and mortgage company to get the loan put into my name. A modification was put into motion. After completing the 3 month trial, it was finalized - however, the amount was for close to {$8000.00} more than was owed originally. I was told that there would be NO additional fees to the modification. Upon seeing the final modification papers, I was under the impression that once the first permanent payment was made the loan would go back to the original $ XXXX. I even noted this in correspondence with the mortgage company in an email that included their attorneys and the magistrate overseeing the case. Since then the amount has not been fixed. In XXXX, 2019, I had a phone conference with XXXX XXXX and XXXX XXXX, of Flagstar Bank. It was explained that I would be given a trial modification for XXXX, XXXX and XXXX and provided I met the requirements, the loan would be modified in XXXX permanently. I was told that any late fees, penalties, etc my ex-husband owed would not be put on the loan or be my responsibility. XXXX, XXXX and XXXX, I made payments. When I got the modification in XXXX it was for {$99000.00} - it was my understanding that it would return to the {$91000.00} balance once XXXX XXXX payment was received. I have tried to contact Mr. XXXX several times with no luck. Attached you will find the transactions on the loan, modification, emails and confirmations of messages to and from all parties involved. Last attempt was XX/XX/XXXX -I have received NO response. 

My original complaint : XXXX was dismissed for the very issues I am complaining about. Your response was : The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

BUT they have had this authorization since last Summer and I have re-sent it several times. I am not only resending the original documents but also the signed authorization they keep claiming they need. 

Also the trial agreement, which clearly states ( Section 4 ) that additional charges can not and will not be added to the mortgage.
Consumer complaint received 2020-03-13
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. (TN)

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. The amount reporting is incorrect and needs to be reporting a {$0.00} balance. I contacted XXXX and they told me they had no information as to whereabouts of the vehicle and whether or not the vehicle was sold. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NJ)

This is a complaint which is in connection to my previous complaint # XXXX. M & T bank consumers complaint team did nothing to resolve the mistake their XXXX made which resulted in my loan mod being denied. They acknowledged she made a mistake but did nothing to fix it. Instead they released my account to collections pending review with their foreclosure team. I was on the Covid Forbearance program from XX/XX/XXXX to XX/XX/XXXX they offered me a loan mod with a partial claim which was denied because XXXX of their managers took my XXXX trial mod payment and told me I could use my suspense funds as long as I paid the difference which I did. Months later after paying all my trial mod payments and my XXXX and XX/XX/XXXX payments along with executing and notarizing the loan mod docs they deny the loan mod telling me that the {$1000.00} used for my 1st loan mod was not allowed to be used from my suspense bucket. Once they denied the loan mod they left the Covid Forbearance payments on my account applied the funds in suspense and show me delinquent for XXXXthey never took my Covid Forbearance payments and placed them in a partial claim to be placed at the end of my loan. if they had did this I would be due for my XX/XX/XXXX payment. I am going to go into foreclosure for their mistakes and violation of the CARES Act I am going to seek legal representation to see what I can do to take legal action
Consumer complaint received 2021-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (KY)

I had a HELOC  with XXXX XXXX XXXX  secured by my home. I owe nothing on the mortgage or theHELOC. 

When bank was sold to Specialized Loan Servicing my loan documents were apparently sent to a wrong address. I knew nothing of change until a check on my XXXX   was returned for NSF. 

I have called Specialized more than 20 times and have spent hours on hold. Every customer service agent says to email them a change of address request and copy of my drivers license. I have done this five times. 

I have repeatedly asked that they either send my documents and check blanks for my HELOC  or release my mortgage so that I can take my business elseware. I have a mid XXXX credit rating and will have no problems replacing their loan. 

It appears that since they refuse to release my mortgage or honor our loan agreement that they are hiding something. I think that they are stealing my identity for some reason. 

They will not give me a name or phone number of one person who can fix this.
Consumer complaint received 2021-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (VA)

I purchased a used vehicle and financed it through Westlake Financial Services. The loan amount and the interest rate do not calculate to the 40 % interest being applied to some payments. I've overpaid my monthly payments to the sum of {$2500.00} in 5 months and only {$1300.00} has gone to principal at 11 % APR. I called Westlake Financial and was put on hold then disconnected. I called again and was to " just consider what's not in the contract, there is a $ XXXX charge for interest. '' At this rate, with an XXXX APR, I will pay almost $ XXXX on a $ XXXX loan. 

Please advise.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 



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
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is a follow up to my original complaint that Capital Once closed my account and reported me late XXXX due to an issue on their end! Each time I called they say too bad and nothing can be done. I know I have been wronged here so I filed a compliant and Capital One came back that they were working on it. That was simply not true and was told the same thing. It went to another department and they looked at it and said NO. I never even got to explain my side and how this is hurting my credit rebuild. They didn't care and are so wrong here and have harmed me as the consumer for some XXXX XXXX and XXXX  policy without looking at the real issue. This is so wrong and want to know my options since this big XXXX  is bully me.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (LA)

someone has been going to the hospital under my identity, which is fraud. I also have active XXXX XXXX. the date of this account open is XX/XX/XXXX, XXXX and it is placed for collections.
Consumer complaint received 2021-03-18
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: Resurgent Capital Services L.P. (MS)

Lvnv funding is reporting violations on my credit first. 

First, under the FCRA 605 section C running of the period it is a violation to re-age an account. LVNV is reporting the date of last activity on XXXX  as XX/XX/2019. XXXX is reporting XX/XX/2019 i have sent them several debt validation notices through the cfpb in which they still fail to provide proof that i owe this account besides my address, i have no knowledge of this account, and credit one bank failed to provide any verification of the debt, i attempted to settle an account that not mine and they are not complying the to the amount that i can afford under the FDCPA 809 b i can file suit for not validating the debt yet they continue to collect on it futher in case from Lefevre Boatley vs Diem corp, it was ruled that if a collection agency have not violated your debt and they still continue to report to the credit bureaus they can be sued. 

they have not provided a copy of the account or written contract, and are refusing to do XXXX and XXXX has responded both times saying this account has been verified as accurate i have attached the information from my XXXX  credit file where they claims the information was verified as accurate and that it meets fcra requirements
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, and Equifax continue to report inaccurate information on my account. They continue to report medical accounts and place recently removed accounts back into my credit profile with out my knowledge which is violating my consumer rights. I have provided a dispute with these accounts as I have never opened an account with these creditors. 

In addition, the bureaus have never provided me with any executed contracts/agreements to show proof that these are accounts that I opened or request. How do I know it was someone else opening the accounts?
Consumer complaint received 2020-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (WA)

As a borrower, I have been paying back my student loan debt ; however, and per usual Fedloan has not acknowledged any aspect of my complaint - that I have not been credited for payments totaling over {$26000.00} + over {$3000.00} in accruing interest. 

When I contacted FedLoan again throughout XX/XX/XXXX - and since XXXX - the statement Fedloan mailed to me on XX/XX/XXXX is missing {$26000.00} + over {$3000.00} in accruing interest and the response I receive is keep submitting additional records. 

I have years of detailed records showing my payment history and Fedloan mistakes. 

I am asking for assistance and protections granted to borrowers under the law. 

Thank for so much for your time and consideration in this mater. 

Respectfully, XXXX XXXX
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (WV)

True Accord keeps emailing me about a debt I owe to XXXX in the amount of {$260.00}. I have never had any accounts with XXXX. I have emailed them and told them this is not my debt. They continue to email me. Today I called and told them this is not my debt and to quit sending me emails. I also told them, I will be reporting these actions. I believe this is a fraudulent collection company harassing people over debts they do not owe. They had nothing on file for me that is current.