davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY (SC)

On XX/XX/XXXX I initiated an ACH Transfer from XXXX XXXX XXXX  to TD Bank from my computer for {$5000.00}. I unfortunately had my old TD Bank account number so it never went thru. I contacted XXXX XXXX XXXX  the next day when I realized what happened. They said there was nothing they could do so I contacted TD Bank. No less than 5 times they told me that there was no active account to the number I gave them and it would get kicked back and returned to XXXX XXXX. After several conversations of XXXX XXXX trying to help me, they initiated a three way call on XX/XX/XXXX. It was agreed on that call that XXXX XXXX would need to issue a ACH Recall and we did that. I have followed up with TD and XXXX XXXX. XXXX XXXX is only one trying to help. They are following up with TD Bank almost every day and get no response and struggling with TD Bank to get them the trace number. So TD Bank has had my {$5000.00} ( which is significant to me and my family ) since XX/XX/XXXX. This is abusive from them and I have checking account and mortgage with them.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX XXXXXX/XX/XXXX XXXX Account # 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 ( XX/XX/XXXXl : Act # XXXX ) XXXX : Opened, N/A : Reported, Unknown : Condition Balance : {$310.00} ( XXXX XXXX. # XXXX ) XX/XX/2017 : Opened, XXXX : Reported, Closed : Condition Balance : {$13000.00} ( XXXX XXXX XXXX. # XXXX ) - XXXX : Opened, XXXX : Reported, Unknown : Condition Balance : {$880.00} XX/XX/Acad XXXX, Contact : Not Available ( XX/XX/CcXXXX, Contact : Not Available ) ( XXXXXX/XX/XXXX Act. # XXXX ) XXXX : Opened, {$13000.00} : High Balance, {$14000.00} : Balance, Installment : Account Type, Open : Condition, XXXX : Reported, {$390.00} : Payment
Consumer complaint received 2022-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

XXXX XXXX XXXX issued a student loan refund to my student Visa card and never informed me of it. The company was then bought out by Nelnet and a check was issued out. I never received the refund. Nelnet is requiring me to pay back a loan that I did not use.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IA)

{$580.00} balance transfer, sent digitally to my account. It cleared & was charged to me. But never made it to the payee. Was sent to wrong bank, they also never received anything & was willing to refund if located. Citi bank would not refund my account and is holding me accountable for this transaction. It was done incorrectly & the other account was never paid either. A representative performed this balance transfer via phone & was done incorrectly. No accountability has been taken & XXXX stuck with the {$580.00} in addition to the account never paid via balance transfer. Citi claims since it cleared it was resolved. The funds never paid off my account & never showed up. No one can locate the money. Ive called & called. Citi offered only solutions of me calling again & again to the payee, they refused to give them additional information they needed to do their own investigations as well when i did call them. Non complaint to their requests. Another investigation after there was already XXXX for 30 days. No refunds or credit was offered to me & they said i was responsible for figuring it out & paying it back.
Consumer complaint received 2022-04-09
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)

I checked my consumer report and found inaccurate items on my consumer report. The following items are XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, INACCURATE NAMES, AND ADDRESS.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I was granted Forebearance by my Mortgage company Citizensone from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to CitizensOne... they have ignore my request. XXXX XXXX was a XXXX XXXX working the XXXX  Covid-19 ward at XXXX XXXX and also at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing XXXX XXXX in his body. I requested Citizensone for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.
Consumer complaint received 2022-04-09
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. (NC)

accordance to the Fair Credit Reporting Act XXXX Account # XXXX has been violated my rights. 15 U.S.C 1681 602 A. Section 1 have the right to privacy. 15 U.S.C 1681 section A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions
Consumer complaint received 2022-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 

I never authorized or consented to any of the accounts being reported on my credit report. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-07
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. (TX)

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. 

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 2022-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (AL)

I sent Merchants Adjustment Service a debt validation letter XX/XX/2022 I have proof of a return recite. So I waited until XX/XX/XXXX to call them and ask them where are the validation of this debt I need proof they avoid sending me it. Then I call back and spoke to a male representative and ask them again about this debt validation letter and he said that they sent it out on the XXXX but I never received this. So he advised that he will send it to my email I gave him my email address and he said it will be sent out before the day end I waited and never received the validation and I also check my spam box to make sure it didnt went to spam. Its a violation of the collection practices act for a debt collector to refuse to send me a validation notice or fail to respond to my validation letter. The law is very clear as to the Civil liability and the remedy available to me for negligent XXXX XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. From the date I sent the debt validation letter which is XX/XX/2022 I gave XXXX 30 days to send me validation documentation thats this account is mines if I dont receive anything as In proof of what I listed in the debt validation letter from Merchants Adjustment Service by XXXX XXXX please remove this account from my credit report immediately and dont say you sent it out because I didnt receive it if you sent this out please provide a certified recited with the date that the male representative told me it was sent out which is the XXXX please show me proof of you cant show me proof Im asking that you delete this account from my credit report Thank You
Consumer complaint received 2022-04-09
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. (TX)

XXXX AND TRANSUNION IS REPORTING INACCURATE INFORMATION. THE FOLLOWING INQUIRIES ARE UNAUTHORIZED. PLEASE REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (TX)

To whom this may concern, Yesterday, at approximately XXXX I called Chase to ask for some help to lower my payments and if possible lower my interest rate. I told them I am an XXXX XXXX XXXX and was about to spend the next three years NON-Deployable and I wanted to get aggressive on paying off my credit card. I explained to them that lowering my payment or lowering my interest rate would really help me during these hard times. I also explain to them that my wife had her hours drastically reduced due to COVID. After spending 1 hour and 20 minutes on the phone I was told that they could not do anything to help. They could not lower my payment or lower my interest rate. At one point a representative told me " that's why you need to look at the APR before getting a card ''. The first representative I talked to told me they had to send me to collections. I explained to collections " I have never missed a payment in over 8 years, I do not want to close my account just would really need help ''. He said " oh okay let me transfer you to customer assistance they have programs they can help you with ''. When I spoke to customer assistance and I mentioned I was XXXX XXXX, she said " I'm going to have to stop you right there, since you said you were XXXX XXXX I cant help you, only our Military team can help you ''. When I spoke to the XXXX XXXX team they tried to see if I was eligible for the Service Member Relief Act, but I wasn't. That is when I was sent to the last representative who told me " I do this everyday, people call everyday to see if we can lower their payment or their interest rate, we can not do anything to help you, I am sorry. That is why you need to look at the APR before getting a credit card ''. 

I am filing this complaint because as a consumer who has never missed a payment in all my time having responsibilities they told me they could not help. Nothing at all. I pleaded with them to help me due my circumstances and they did not. They even told me, " but if you want to make your monthly payment, I can help you ''.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK (CA)

I wasn't a customer of MONIFI ( and/or Midfirst bank XXXX before. In late XX/XX/2021, I found their advertisement ( see Attachment {$250.00} promo for new relationship ) on the Internet, then I opened the checking ( so-called 'spend ' ) and saving accounts online to be a new customer. I met their XXXX direct deposits requirement from my employer on XX/XX/2021 ( amount {$1000.00} ) and XX/XX/2021 ( amount {$1400.00} ). However, this bank didn't deposit the {$250.00} into my account as their advertisement said in 45 days after meeting the direct deposit requirement. I am afraid it is a bait and switch to bolster their account openings and to deny the right for me to successfully obtain the {$250.00} promo.
Consumer complaint received 2021-05-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

Nissan Motors Acceptance Corp, my lender, sold my debt to XXXX XXXX XXXX ( XXXX ), a credit collections agency sometime after I defaulted in XXXX or XXXX. I contacted XXXX to settle the debt and they agreed to accept a settlement and report the debt as " paid in full ''. 

However, now in XXXX, although XXXX shows it paid in full, Nissan is still showing a balance in excess of {$3000.00}. They advised that they do show the debt as " settled '' but maintain that though they won't collect the $ XXXX that they will continue to report it as a balance due. This completely contrary to the agreement I made with their agents at XXXX and contrary to the specific verbiage provided for in my settlement letter from XXXX which reads : " ... your account will be shown as settled in full and final compromise of the debt. '' I believe Nissan must honor this agreement and report my debt as settled in full as agreed to with VRS. I also believe that they are in breach of FTC reporting laws, which I have advised them at least twice on a recorded line. 

CC : Nissan Motors Acceptance Corp Nissan Motors Accept Corp XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-01-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (MS)

I am a veteran with a mortgage being serviced by Mortgage Solutions Financial ( MSF ). I enrolled with the company for a Covid 19 forbearance due to hardships caused by the pandemic a little over a year ago. Upon the completion of the year of forbearance, XX/XX/XXXX of 2021, I informed them I was still experiencing hardship and requested XXXX VA XXXX XXXX Refund Modification Loan, attaching VA XXXX XXXX to affirm my qualification ( Attachment A ). They instead said that I did not qualify for the no document deferment and put me on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without notifying me or getting my consent. Upon learning of the modification when I saw it on my online mortgage profile, I informed them that I did not want to do that modification loan, I asked that they take me off that modification loan. I had my attorney reach out to them and reassert my wish to be on the CRML and provided to them the specific VA XXXX affirming my qualification for the CRML option which they denied ( Attachment B ). MSF then sent my attorney a letter stating that they would review me for the CRML but it would take up to 60 days to complete. They also stated that I sent them an application for the XXXX on the XXXX of XXXX but I never did ( Attachment C ). On XX/XX/XXXX, MSF sent me a letter stating they could not complete an application for the " no documentation '' CRML unless I sent financial documentation. On XX/XX/XXXX, I contacted MSF Loss Mitigation department and asked them why they need financial documentation for the " no document '' CRML. The MSF representative informed me that they needed it to process an application for a CRML that achieves a 31 % reduction in my monthly principal and interest payment. I informed the rep that in my request for the CRML I attached the specific VA XXXX XXXX that explicitly stated that service providers are to consider Steps A and B of the CRML before Step C and asked to have the underwriter review the Circular. On the XXXX of XXXX, I spoke with XXXX XXXX another MSF rep who advised me that a third party submitted and signed an application on my behalf requesting the XXXX XXXX CRML. MSF notified me if the " application '' is not approved, they can initiate the foreclosure process.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why XXXX XXXX is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliver Adjustment Co. (IL)

After noticing OLIVER ADJUSTMENT COMPANY on my consumer report I contacted them and asked for validation of this alleged debt. When my request went unheard I contact the CFPB because they refused to give me the information I requested and I now see why. I received in the mail the alleged itemized statement showing literally nothing but a falsified piece of paper. There wasn't a contract I requested that shows my wet ink signature and agreement with the original creditor or with OLIVER ADJUSTMENT COMPANY, nor was there any description of services they alleged I received, just medical procedures including blood count, troponin and lipase which I have no idea what they mean or how they validate this debt to be mine. My social security number thats attached to my consumer reports isn't even on here which further proves they are just trying to falsify this information. Furthermore my address is copy and pasted onto this false statement & I wasn't even living at the address they have on the statement when they say this debt occurred on XX/XX/2019! I am demanding for the last and final time that this debt be prematurely closed, stop reporting to any third parties, and removed from all of my credit reports because now this is becoming intrusive and premeditated.
Consumer complaint received 2022-01-25
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. (TX)

I have provided Equifax Credit Reporting Agency with an Affidavit for Identity theft. Requesting for a fraudulent account to be removed from my credit profile. Resulting in a negative impact on my credit report. Equifax has failed to comply with the Fair Credit Act for victims of identity theft.
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

Comenity Bank has repeatedly called me from over 200 different phone numbers. They will threaten me in voicemails, they will call 10+ times a day and I asked them to stop. Ive resorted to blocking all phone numbers but they change it and call 10 more times. They even XXXX searched me and started harassing estranged family members or people I havent talked to in 20+ years. Its non stop harassment. 
Ive attached proof of all the phone numbers and times they call daily.