davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I deposited into my TD Bank checking account a check of XXXX dollars yesterday morning XX/XX/XXXX2020 around XXXX XXXX. It was a valid check from a known organization. The check was from XXXX. I did it using a teller. I did not deposit it from the ATM or from a mobile app. Today, I checked my account and I see that TD Bank placed that deposit on hold the description read " FM Deposit Hold-See SM ''. I called the bank and the rep said that it's standard practice that they place the deposit on hold for verification. I asked for how long and they said for 6 days! possibly. That got me very upset. I asked to speak to a manager, and I asked the manager why I was being targeted when I never bounced a check etc. She said that there was nothing she can do. I then asked who was responsible for this and she said that it was the fraud department. I asked if she can transfer me to them so I can ask them directly why I was targeted. I spoke to them and they said that there was nothing they could do about it!!! She also said to me that this was done for my protection! They are holding my funds from me for no good reason for my protection! So outrageous! 

Please note that this is the second time that TD bank has done this to me. Previously I deposited my paycheck ( a City of XXXX XXXX paycheck .... ). I used the ATM then. They placed a hold on it like this time and it took about ten days to clear. Their excuse then was that I used the ATM and they advised that next time I use the teller. Well, this time I made sure to use the Teller for my deposit and low and behold they targeted me again and placed my deposit on hold again. 

This is outrageous and completely inexcusable especially that there is no reason for this hold as there is no history of any bounced checks at all. And for them to tell me that there is nothing they can do about it is beyond wrong when they should have never placed my deposit on hold in the first place. Additionally, I have direct deposit set up for my account which is another security for them and another reason that they should never place my check on hold for no reason.
Consumer complaint received 2023-01-06
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: JPMORGAN CHASE & CO. (TX)

I filed a dispute on a purchase made on XX/XX/XXXX for XXXX} as the product does not receive. 
The dispute was denied due to Chase 's claim merchant providing sufficient tracking information. 
I filed an appeal and request the tracking information and proof of delivery. 
On XX/XX/XXXX Chase denied my appeal and favored the merchant without providing the tracking information and proof of delivery chase claims obtained from the merchant.
Consumer complaint received 2022-12-19
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Dear Experian, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX5 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2020, I called Capital One to request a credit limit increase. I have paid in full approximately {$100000.00} on a card with a {$10000.00} credit limit, in less than six ( 6 ) months. I was discouraged by the agent to request the increase. I explained that  before, when I applied in XXXX, I was told the account was too new. I requested the policy information on what is considered too new. I was told there is no written policy. I told them that if I was given that reason again, I would file a complaint. Using a reason with no policy means they can apply it discriminatorily. Their website says you can request at any time, without mention of what is too new. 

On XX/XX/2020, I received an electronic letter that said I was denied because I have debt that is too high. On XX/XX/2020, I called and reached XXXX who Transferred me to supervisor XXXX with id number XXXX. My personal credit is used to determine this small business card. I relayed the exact reason in the letter, which is " your financial obligations reported to us are too high. '' I asked for clarification on what was too high and what the exact percentage is or the percentage that I am too low. I was told that information is proprietary. I told him that they have to give specific reasons and the reason given is nebulous like the too new reason. 

Capital One states they are recording the call. I was told that the recording could not be turned off. When I informed that I was recording the call, the person refused to communicate further saying it was against their policy to allow phone calls to be recorded. Under Federal, Georgia, and Florida law, I can record calls. I refused to stop recording unless they did. 

I even explained that I have no mortgage, I have credit balances on all but two ( 2 ) cards and that is because I have had to use them to bolster the low credit limit they provided. My car note is paid 2 months in advance and so the balance is lower than would otherwise be. I explained that I 10 times more per month on the cards than the minimum due, for the cards which have a balance. 

Their explanation does not make sense. They are refusing to provide exact reasons for the denial in violation of federal law. 

Lastly, I have filed other complaints against this company about their practices and I think this is also retaliatory for that. I have the right to file a grievance and it is illegal for them to retaliate.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (GA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EDULOAN DOCS (MT)

Was being charged XXXX for 32 payments for a XXXX. I am currently enrolled in PSLF and was being hoaxed by Eduloan as an addition 3rd party payer. They requested my income stubs yearly and log in information and also filed for a forbearance which was not authorized for consented by myself.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

LVNV Funding Collection Company has Placed an Account on My XXXX Consumer Report without providing Prior Notice Or Validation Information under 12 CFR 1006.34 ( b ) ( 5 ) Date Opened XX/XX/XXXX Balance {$710.00} Date Last Active XX/XX/XXXX The Statute of Limitations for Debt Collection in the State of Illinois has obviously expired. 
The Date Last Active is Obviously A Deceptive and Incorrect Status. 

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) LVNV Funding Collection Company is violating my consumer rights by Using False, Misleading, Misrepresentation, and Deceptive Means.

LVNV Funding Collection Company has no authority to furnish any Account to a Consumer Reporting Agency Without providing any and all disclosures Required by law and are in clear violation according to 12 CFR 1006.34 ( d ) AND 15 USC 1681-S2 ( 7 ) ( A ) I Dispute Owning Any and All Alleged Debt to this Collection Company. 
I Revoke All Rights of this Collection Company from Communicating with Me via Mail, Email, Text or Telephone Calls. 

I am requesting Proof of Notification that LVNV Funding Collection Company Ever provided any notice, validation or method of validation prior to this Account being added to My Consumer Reports. 
I am requesting the Method of Validation for this Alleged Debt. 
I am requesting the Purchase Agreement between this Collection Company and the Original Creditor that this Alleged Debt was Purchased from. 
I am requesting Proof that this Collection Company is Licensed and Bonded to Legally Operate as A Collection Company
Consumer complaint received 2020-08-04
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: Cedars Business Services, LLC (OK)

For the past several months I've continued to reach out both to the credit bureaus and collection agencies regarding the fact my identity was stolen and has been compromised. As a result there several fraud related accounts established online through identity theft without my knowledge or consent. For some reason an account by the name of Cedars Business Services continues to report an amount for a loan that I never taken out or received any money from after being notified by both myself and the major consumer reporting agencies that this is account is from the result of identity theft and or fraud. By continuing to report this fraudulent account, it violates both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. This issue has been going on Since XX/XX/2020 and I would like something done about it.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The following issues are incorrect : : - still reporting status as of XX/XX/XXXX - incorrect past due amount and balance - last reported date of activity - incorrect credit usage percentage This account has been charged off since XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX Experian is reporting multiple outdate/incorrect negative items to my Experian credit report. Also, the account was charged off therefore according to the FCRA it is illegal to continue to report the following items : - Credit Usage - Balance - Past Due Amount All of the factors above should be blank or at {$0.00}. For months Experian has allowed these negative items to remain on my report regardless of my many attempts requesting an update.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (PA)

The Home Depot has cash my official bank check of {$500.00} has haven't acknowledged that they cash my check. I wrote to the customer service with proof and fax to the Resolution Expeditor Executive Team this bank is playing games with my money. I don't understand Citibank this has been a nightmare for this senior. 


account # XXXX Citi : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa XXXX
Consumer complaint received 2023-01-04
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Applied for loan XX/XX/XXXX with Citizen 's Bank, agent XXXX XXXX ( NMLS ID XXXX ). I was told 15 year fixed would be 2.5, closing costs {$3400.00}, I did not have to have Citizen 's account, and I did not have to escrow. I was approved on XX/XX/XXXX and asked for the details again. He said, " we already went over them, we don't have to do it again ''. After pressuring him, he said, It would be 2.65 paying 0.25 points, I had to have a Citizen 's checking account, I had to escrow, and closing would be XXXX or more. 

XXXX is either incompetent or a scam artist and I am guessing the ladder
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

Hello I opened a bank account and was waiting for my debit card to arrive by a mail from M & T bank but I never received it and there has been 8 unauthorized transactions each for {$1000.00} form XX/XX/23 to XX/XX/23 it says atm withdrawal and i was denied of dispute because they think that I had the debit card in my possession while this transaction were made, I visited a branch to dispute the transactions but was denied, can you please help me resolve this issue thanks.
Consumer complaint received 2020-08-04
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: Resurgent Capital Services L.P. (MD)

After reviewing my credit profile, I noticed I had several fraudulent accounts reporting my credit profile. 

XXXX ******* LVNV FUNDING LLC Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Balance on XX/XX/XXXX {$460.00}
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

Back in XXXX we purchased a used XXXX XXXX XXXX after our car was totaled in an accident. Wells Fargo financed that loan. The interest rate was through the roof! When the government shut down my family was affected due to my husband working for the governments I went into the local Wells Fargo bank to let them know what was happening. They were nice in helping me but they had to call their corporate offices to see what could be done. We qualified for disaster relief due to all the wildfires in our area. However ; it impacted the loan terms because we were not able to make the payments. It ended up adding a ton at the end of our term and the original interest-rate that they gave us was already a ridiculous amount. Long story short we ended up refinancing with a different bank to get our from under their ridiculous rates/terms. Their helping us would have ended up in us pay an additional $ XXXX $ XXXX on our loan. Not only that but it was also right around the time they were busted for opening accounts in customers name without their knowledge. We didnt want that to happen to us. Even though we were only with them for a short time it still was such a hassle to work with them.
Consumer complaint received 2020-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

In XXXX, former President Obama announced the Public Service Loan Forgiveness Program. My wife and I lived in XXXX. I contacted Congressman XXXX XXXX XXXX  office to find the link and gain assistance in submitting in the application. 

Over the next three years, I encountered numerous problems with the Department of Education ( DOE ). I completed the application six times. I submitted it six times. DOE officials stated the paperwork was not received electronically or by certified mail. DOE claimed the XXXX XXXX where I worked as a full-time XXXX  did not qualify for the program. Yet, the nonprofit organizations with whom I volunteered or worked for as part of my community service obligations did quality. DOE claimed that I did not qualify for the program even though I made 120 payments. DOE again claimed that I filed for forebearance during this period or reduced payments which resulted in my denial. 

My wife and I moved to XXXX, Texas and I contacted Congressman XXXX XXXX XXXX office for assistance. This occurred in XXXX. His staff worked with me to coordinate my paperwork and obtain a consistent response from DOE. 

In XXXX, XXXX, I received a phone call from XXXX in XXXX XXXX, CA. Their representative, XXXX XXXX, stated that I was now approved to have 75 percent of my remaining student loans forgiven. Their organization contracted with DOE. I would pay {$510.00} for the next three months. My remaining student loan payment would be {$200.00} for the next few years. I agreed. However, my FedLoan account showed the reduction was not applied to the account. Congressman XXXX XXXX office staff worked with FedLoan, XXXX, and me periodically over the next nine months. A staffer finally inquired into XXXX. While their email address implied XXXX was a government agency, it was a third-party organization who had misrepresented themselves to me, to a Congressional office, etc. as part of DOE or held a contact with DOE to process such paperwork. At which point, FedLoan recommended that I contact the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Texas Attorney General 's office and notify them of the situation. 

I had completed and battled with DOE for years over my application. How XXXX had access to my electronic information baffles me. They knew too much about what I owed and guaranteed that the remainder of my student loans were forgiven through the program. I would like the money I paid to XXXX returned. If it is possible, I would like DOE to finally acknowledge the receipt of the paperwork and apply not just the letter but the spirit of the law as was promised to me and countless others who dedicated their careers to public service.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

Us Bank is withholding XXXX dollars in my unemployment account. 
Initially they asked for proof of identity, which I uploaded on their website.As of XX/XX/2020 in my last conversation with customer service they say they need my drivers license, social security card, and tax returns faxed to a number I cant validate.I can't get a name from any customer service person or talk to a supervisor.this is very suspicious and I'm not about to just send this important info to a random fax number when I've already sent it via website
Consumer complaint received 2023-01-04
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1000.00}