davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

I went to XXXX from XX/XX/2018 - XX/XX/2018 and while there my debit card was used without my authorization for 5-6 days. I didn't realize my debit card was missing or that transaction had taken place until after my return to the US. I went to XXXX to have 2 medical procedures, a XXXX XXXX followed by a XXXX XXXX a week later. I had some medical treatments after. I was under very strong pain killers and sedatives for several weeks. 
A claim for almost {$2000.00} worth of unauthorized charges is being denied by TD Bank. TD Bank is claiming there was no fraud simply because the transactions occurred while I was in XXXX, the debit card was not used after I left XXXX and no report was filed. I believe it is important to know that I had limited movement due to the XXXX   and drugs I was under and had nurses 24 hours a day ( on 12 hour shifts ) during my entire stay, as well as cleaning service that came daily to clean and cook. I don't personally know any of them and while I would like to think that none would steal from a patient/client, they all knew the length of my stay and had access to my belongings. A police report was not filed because I didn't realize the card was missing until my return to the US. I was on bed rest upon my return to the US due to partly to normal recovery XXXX XXXX and then extended because of complications caused by an XXXX. 
I filed a claim with the bank on XX/XX/XXXX and the first time the debit card was used without my authorization was XX/XX/XXXX. 
I have had a very tough few months with health complications and with an obnoxious amount of debt as a result of medical procedures and having to take time off. I am battling XXXX and while everybody has their problems I filed the claim within reasonable time. I believe the reasons TD bank is claiming to deny the claim are unacceptable. 
It may be relevant to note that I deposit on this bank account an average of {$10000.00} every month and filing a fraudulent claim for 1/5 of my monthly deposits makes no sense. 
I urge you to look into this and help me get my money back. 
Thank you! 
XXXX XXXX
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

1. I had dispute/fraud claim on another Chase owned credit card. 
2. Chase had failed to resolve the issue. 
3. without any previous or apparent explanation, they closed the account on my XXXX card. 
4. I have been using this this card and was making payments on time.
Consumer complaint received 2020-05-28
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. (AL)

THE BELOW ACCOUNT DOESN'T BELONG TO ME, I HAVE CONTACTED THEM MANY TIMES AND THEY HAVE NOT REMOVED IT FROM MY CREDIT REPORT. I DON'T KNOW WHERE THIS COMPNAY CAME FROM, OR WHO THEY ARE XXXX  Opened XX/XX/16 Balance {$630.00} Account # XXXX
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

My Bank started and Escrow account for me in XX/XX/XXXX, for home owners insurance {$1300.00} and Property Taxes for {$5000.00} totaling {$6400.00}. 

My mortgage payments were {$520.00} per month, my Bank is charging me {$1000.00} per month I have being paying every month and only missed 1 payment however to correct that problem I made 2 payments in one month.. 


I also told my Bank in XX/XX/XXXX that I wanted to reduce my payments to my original amount of {$520.00} and if they would please give me the amount that I can pay now so I can go back to my normal payment. 

I being asking several times and even faxed my request to the fax number they have for assistance on mortgage, they have not responded to me at all, I being asking every month the last 3 months on the phone when making my payments. 

Is like they don't want me to stop making those big payments, as far as I am concern that most be illegal from an institution like a XXXX XXXX. 

I would appreciate any help or advise from your group. 

Sincerely
Consumer complaint received 2018-04-17
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. (NJ)

( Note : not sure if this is correct section to send this to -- as it involves both a credit card company and credit reporting services -- - but if not please either forward or let me know so i can redirect. Thanks. ) I discovered that XXXX, specifically XXXX credit card/ XXXX XXXX card ( acct ending in XXXX ) WITHOUT AUTHORIZATION OR NOTIFICATION, starting in XX/XX/2018, switched my billing to " e-billing '' and additionally were using an old email address that has not been in use for some 10 years. Without authorization, they ceased sending paper bills ( which they had been sending since the account was opened many years ago ). 
I discovered this when I received TWO outside credit monitoring reports showing that XXXX had reported my account as delinquent to TransUnion, XXXX and to XXXX, resulting in damage to my credit rating. 
They also charged me two months worth of late fees 9 $ XXXX/mo ) which they have reversed. 
On TWO separate phone calls when i demanded to speak to someone who would notify the credit reporting companies of their unauthorized action and provide me with copies of the communication sent by them, they disconnected the call. 
I therefore demand that XXXX communicate immediately with all three credit reporting companies, see that the negative information is rescinded and provide me with proof thereof. 
The unauthorized nature of their action that caused the problem is self-evident. Not only were they NEVER authorized to switch to e-billing but it is patently absurd that I would ever have provided them with an old, unmonitored email address. 
Thank you for your attention to this matter.
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$2700.00}
Consumer complaint received 2021-12-22
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. (VA)

XXXX XXXX was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2020 a transfer for XXXX was executed from my td bank acc. Thru XXXX the app. When i got aware of it i contacted customer service and informed them about the situation. They took all the inf. And told me that they were going to transfer my call the the fraud department and after 1 hour the call got hang off. This was on XX/XX/XXXX. I called the next day and explained the operator what had happened and he told me that he saw the notes and that by monday XX/XX/XXXX the money should be in the account. Today wednesday XX/XX/XXXX i called again to td bank and they transfer me to the fraud department and now they are telling me that they concluded that the transaction was made from my phone and they cant do nothing about it. Now im a 100 % sure i didnt sent the money. I dont know the person the money was sent to. Even know the person has the same last name i dont have a family or relative named like that. They know where the money went. They can contact that institution and make the person receiving the money responsable for the scam but td bank decided to turn their back. The amount was XXXX dollars. I dont understand how in this era banks are not able to stop scams like this. For me it will be easy to the bank to identify the recipient of the money because for anyone who has a XXXX account you need a bank acc. You need to submit your mame and social security so i think that for any bank will be easy to stop this type of scams and make people responsible for their crimes.i dont make td bank responsible for this but i think that they should give more protection to their customers and make companies like XXXX be more helpful against frauds
Consumer complaint received 2022-05-04
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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.
Consumer complaint received 2020-01-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION (NC)

I closed on my home in 2015. I was recently told about the MCC option to file on my taxes for the life of the loan. My lender never offered this option to me, and I would have gotten an additional tax refund of over {$1300.00} this year alone if it would have been added. I reached out to my lender, and she stated I am unable to add it after the fact, but I do not feel this is fair as I was never given the opportunity initially. I am a single mom and this type of money would have helped me so much and I am so disappointed. Mortgage through USDA, payment comes from BB & T, loan officer XXXX XXXX XXXX
Consumer complaint received 2018-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I have attempted to dispute this collection off of my credit report twice. The second time i mailed a certified letter to XXXX and they received it and signed for it XX/XX/2018. I mailed them a demand letter for verification of debt as well as a request to remove it due to me disputing it and it is not my debt with other documents. Nobody has ever responded to me. I called in on XX/XX/XXXX in regards to why i have not heard anything and why is it still on my credit. I was asked at that time would i like to start a dispute and i told them " NO. '' this has already been a process why start over. An representative decided to go against what i requested and per them ALL CALL ARE MONITORED OR RECORDED. I have also received two letters from XXXX XXXX   executive office stating they do not have any record of debt owed by me to their company. The last letter received from XXXXXXXX XXXX was XX/XX/18 which is 1 of 3.  On XXXX i spoke to XXXX XXXX who advised me she will request a supervisor to call me back within 48 hours, and also made me aware of the dispute being opened XX/XX/18 without my permission and as of today i have heard nothing.
Consumer complaint received 2018-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

My mortgage statement dated XX/XX/XXXX, in the transaction history, has 2 amounts paid in the amount of XXXX each. One amount was applied on XX/XX/XXXX as the XXXX payment, the other amount applied on XX/XX/XXXX to the principal balance. 

This is the second time I've sent conforming payment, after making the scheduled monthly payment where the amount is applied as a curtailment to the loan balance instead of a contractual monthly payment to advance the next payment due date on the loan. 

I called on XX/XX/XXXX and talked to XXXX in the customer service who placed me on hold presumably to send a task to have the payment application corrected. When I asked XXXX about what I could do on my end to prevent future errors of this nature ; he says nothing can be done, the system is automated and decides where the money will be applied. This is unacceptable given the fact the amount I sent was a CONFORMING PAYMENT AMOUNT and should have been identified as such and applied as the XX/XX/XXXX payment. 

The correction to my transaction history should reflect that XX/XX/XXXX payment was applied on XX/XX/XXXX and the account is next due for the XX/XX/XXXX payment. 

It's unacceptable that I send a the exact payment amount and it's not applied as a monthly payment. 

I do not want an apology - I would like the issue fixed correctly on my mortgage loan.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

OnXX/XX/XXXX I walk in US Bank and deposited {$3000.00} which requires 3 to five day hold for verification. OnXX/XX/XXXX after  approving fund the bank placed a secondary hold on fund and route the funds to XXXX  fraud department knowing this is personal account not associated with business activity and therefore, a fraud alert process was initial to remove funds from personal account. On XX/XX/XXXX when I called the fraud department to inquire about the funds being placed in the fraud department for what reason I was told by XXXX in the fraud unit it was because they couldn't verify the funds, I explain to XXXX  that XXXX XXXX inform me that the funds were there and they have not received a request for verification.
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (LA)

On XX/XX/XXXX I, XXXX XXXX XXXX, was sent a notice from Enterprise billing and debt collection department and emailed twice by XXXX XXXX while I was dealing with my children who were sick at the time. I was referred to make payment at XXXX XXXX The amount of loss {$1000.00}. 15 U.SCode 1691 ( f ). This company is also in violation of 15 U.S.Code 1692 ( b ) ( 1 ) ( 2 ) ( 5 ) .15 U.S. Code 1692 ( d ) Enterprise also violated my rights to financial privacy ; sold debt to a collection agency TSI whove I have never consented to the right to share my personal information with this company. This activity is illegal and against the law made by congress. Those who violate must pay.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-05-04
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. (FL)

I sent a letter off on XXXX XXXX. Here is the tracking number XXXX. I sent the letter to remove personal information that I do not want on my consumer report. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people. 

They are in clear violation of my federally protected consumer rights.
Consumer complaint received 2018-12-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BB&T CORPORATION (MS)

We financed a XXXX XXXX in XXXX, XXXX for 6 years. XX/XX/XXXX should have been our final payment. However, we took two ( 2 ) extensions and one date change. That should have made the final payment to XX/XX/XXXX. We filed a complaint with CFPB during late XXXX.We received a letter from CFPB dated XX/XX/XXXX. We received a letter from CFPB dated XX/XX/XXXX stating the company ( XXXX XXXX XXXX ) had responded to our complaint. That letter stated that XXXX XXXX received our complaint and that a XXXX XXXX had satisfactorially explained to my wife the terms of the financing. That's a blatant lie. The truth of the matter is that XXXX XXXX was supposed to explain the matter to my satisfaction. I personally made three ( 3 ) phone calls to XXXX XXXX, none of which she answered or returned. To make matters worse, CFPB simply closed the complaint without lifting a finger to check the merit of XXXX XXXX claim. I will continue to follow up on this claim until i get a legitimate response.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (FL)

I was in jail and XXXX again collecting the money for me I can provide proof of the fact that I have been in jail in XXXX XXXX Florida Pay Pal allowed use of my credit card and then grave him my money from arritration for violation of copyright.
Consumer complaint received 2022-05-04
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. (NY)

( XXXX XXXX XXXXXXXX, ACCOUNT # XXXX ) and ( XXXX XXXX XXXX, # XXXX ) broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, Equifax who are furnishing inaccurate and unverified information on my consumer report. 

Proof of inaccuracies is attached example date opened ( XX/XX/XXXX ) on ( XXXX ) but on ( XXXX it XX/XX/XXXX ) date last active ( XX/XX/XXXX ) on ( XXXX ) but on ( XXXX it XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or Equifax the permission to furnish this report I demand that they delete this account from my consumer report. 

in accordance with the fair credit reporting act XXXX  ( ( XXXXXXXX XXXX XXXX, ACCOUNT # XXXX ) and ( XXXXXXXX XXXX XXXXXXXX, # XXXX ), have violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.