davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
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: TD BANK US HOLDING COMPANY (NY)

-On XX/XX/XXXX ( XXXX XXXX Evening ) I made a payment to XXXX XXXX amount to {$900.00} from my TD Bank Visa Credit Card for a canopy bed ( brand : XXXX XXXX ) at their outlet. 

- Despite several reminders they did not deliver the goods on stipulated time. 

- XX/XX/XXXX ( evening ) they delivered the bed broken with a promise to fix it next day. 

- They refused answering my calls and on XX/XX/XXXX I filed a dispute with my credit card company- TD Bank XXXX 

- Before dispute and after filing dispute I had informed XXXX XXXX to remove the damaged bed from my home as it can be hazardous and can cause an accident in case of malfunction. And that I am no longer interested in it. They refused to even acknowledge or respond to my concern. 

- On XX/XX/XXXX my transaction my dispute was resolved and TD Bank reversed my transaction. 

- While on XX/XX/XXXX without my consent and informing me- the same transaction was reversed in favor of the merchant- without my knowledge. 

- On XX/XX/XXXX I immediately took the notice and called the dispute department. 

- I was told that since the furniture was still with me, and there was clause on the receipt ( that I had originally provided ) that says if I did not inform the merchant- the furniture will not be returned. 

- After I was asked for a rebuttal I faxed all the evidence of the calls I made within the clauses mentioned on the receipt. 

- Also I provided the necessary detail that it was not a portable merchandise as it require experts to dismantle and transport it back to XXXX XXXX XXXX. 

- Additionally I also agreed to pay for the re-transportation back to XXXX XXXX. 

- Finally I also asked TD Bank to provide me the supporting documents that XXXX XXXX had given them to justify my negligence of fault in the dispute. 

- TD Bank dispute assured me that I will get all the documents and supporting papers within a week. 

- After 15 days I called TD dispute department again and I was told that the documents will be sent. 

- Throughout XXXX and now towards the end of XXXX I still haven't received these documents. 

- I also contacted online secured servers messages but to no avail. 

- Hereby I conclude that TD Bank has violated my consumer rights but misusing my credit line by providing undue favor to the merchant- XXXX XXXX XXXX. I entrusted my credit with this Bank through Visa but as a matter of formality they did reverse my transaction only to pay it back to Merchant. 

- There was no additional evidence given by the Merchant except from what I had submitted, furthermore TD Bank failed in providing me the documents that the merchant had submitted- despite repeated reminders. Primarily, because they didn't want me to get in possession of this mishandling as I had informed them of my reporting to CFPB in case they abuse my credit line.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP (OH)

Today is XX/XX/XXXX. I am receiving calls from KeyBank stating I owe {$30.00} for a service fee on an account ( maybe a checking account ) closed in XX/XX/XXXX. I have never received any previous written communication or phone calls about this. It would seem that KeyBank would have an obligation to notify me in writing with a statement, or some other means, rather than waiting nine years to bring this to my attention with a phone call.
Consumer complaint received 2020-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (MT)

I RECEIVED A NOTIFICATION ON MY XXXX  CREDIT REPORT FROM CREDIT SYSTEMS, WHEN I GOT A COPY IT INDICATED IT WAS FROM " CREDIT SYSTEMS '' FROM XXXX XXXX  XXXX IN THE AMOUNT OF {$25.00}. CREDIT SYSTEMS HAS MY CURRENT ADDRESS ON FILE AND I DID NOT RECEIVE ANY NOTIFICATION ABOUT THIS DEBIT, IF SO I WOULD HAVE PAID IT IMMEDIATELY THIS COMPANY MADE NO ATTEMPT TO SEND ME A COPY OF SAID DEBT
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

this company have ignore my requested since XX/XX/2020 i requested an investigation to inaccurate information that is been report to my credit report. ands i have not received any update or respond i been ignored. 


SEE ATTACHED
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Since XX/XX/2022, the account has been disputed with XXXX XXXX multiple times. XXXX refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Since XX/XX/2022, the account has been disputed with XXXX XXXX multiple times. XXXX refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.
Consumer complaint received 2020-11-08
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. (GA)

The debt that XXXX XXXX XXXX is claiming in not a valid debt and no debts are owed XXXX XXXX XXXX XXXX 

In 2017 XXXX XXXX  a closed several accounts that had been opened for months with over drafted balances due to fees XXXX XXXX  added to the accounts. Once the account were closed XXXX XXXX  sold those debts for those accounts to multiple people. In XX/XX/2017 the FDIC sent notifications to me that XXXX XXXX  had failed and all future payments owed to XXXX XXXX  would go threw them. Months later multiple companies contacted me regarding debts owed. One of those companies was XXXX XXXX on Behalf of XXXX XXXX XXXX . The date of this conversation was XX/XX/2017. I spoke to XXXX XXXX regarding this debt several times. During my final contact with XXXX XXXX via phone I asked them for the direct contact information of the company claiming ownership of this debt. XXXX XXXX refused to provide the debt owners information. This was a direct violation of my rights under the FCRA. In accordance with the FCRA the name and contact information for anyone claiming a debt is owed must be provided. XXXX XXXX did not provide this to me at all. Because these rights were violated by a third party acting on the behalf of XXXX XXXX XXXX Any debts they claim are owned are null and void. XXXX XXXX was given a opportunity to verify the owner, the debt amount and come to a settlement. They chose not to do so and never informed XXXX XXXX XXXX .
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Storm damage to my home. Insurance company ( XXXX ) inspected and estimate for repairs approved. Every call to PennyMac there was another reason that a document wasnt correct. After getting what I thought was approval for documents, they then said they wanted contractors license ( does not exist in Texas ) and then a surety bond which is not available for residential repairs. Next they said W-9 had to be approved by IRS. After finally getting all those issues resolved and check deposited into escrow, was given a different reason every day for 4 days why check had not been issued.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT. PLEASE HELP ME RESTORE MY IDENTITY. THE FOLLOWING ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME. PLEASE BLOCK THE FOLLOWING DATA FROM MY CREDIT FILE. PLEASE UPDATE MY ADDRESS TO THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX. 

PLEASE UPDATE MY PHONE NUMBER TO THE FOLLOWING : XXXX ACCOUNTS : XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (AL)

I contacted TD BANK on XX/XX/1925, and XX/XX/XXXX for help with registering on line. 

They said they needed to set up a profile for me but it was never resolved. 

Spent hours on hold with them and get nowhere.
Consumer complaint received 2023-03-14
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 XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, Santander was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to SCUSA over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement Santander was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. Santander continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX of XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and santander 's blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn
Consumer complaint received 2019-04-26
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: ALLY FINANCIAL INC. (FL)

Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from Infinity of XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, Ally Financial on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, Ally Financial on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (LA)

contacted this company Midwest Recovery System in regards to a collection account advised them that this was not my account they sent me an invoice that doesnt show validation of this debt belonging to me. i have asked to have this removed from my credit report as it is showing negatively.
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (MI)

I have a loan with GM FINANCIAL. I have always made my payments on time yet the item has been repossessed. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX, XXXX, and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (NY)

I have had a netspend card for months which I have activated and used for months without an issue. Today XX/XX/2018 I tried to make a purchase online and the transaction were declined when I know I had funds on the cards. 

I called customer service and was told my balance was {$300.00}. And that they would now need ID, Social Security card and a Utility bill to release my funds. Please keep in mind that I have had the card for months and have loaded it and used it for many transactions. now after having the card, loading and making purchases froze my account without warning and are holding my funds XXXX. 

ID and social security cards were not requested during activation and now all of a sudden they need this. I am requesting my netspend account be closed and my funds which total around {$300.00} be sent to me via check at the address on file.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NC)

I set up a business bank account to transfer funds to my Synchrony Bank personal account. Evidently this is not allowed but I was not told that is was not permitted. Synchrony deposited two small amounts to verify the account and the account was accepted by Synchrony. I then tried to transfer {$50000.00} to my synchrony account from my XXXX XXXX account. The transfer was not allowed but the {$50000.00} was removed from my XXXX XXXX account but not placed in my Synchrony account. I don't know where it went but in about two weeks, the {$50000.00} was replaced in my XXXX XXXX account. 

The problem is that Synchrony Bank now has my savings account on restriction and will not let me access the funds ( XXXX ). I have called every week for four weeks and been told that the issue has been expedited but as of this morning, the account is still on restriction.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (AZ)

I need {$130.00} refunded to me from PayPal Dropbox # XXXX, XX/XX/2023. PayPal preventing printout. This amount was deducted from my XXXX XXXX XXXX XXXX checking account and claimed to be from XXXX as a recurring charge. The phone # PayPal provided for this fraudulent charge does not work : ( XXXX ) XXXX. When I explained to PayPal that this was a fraudulent, they stated they would tell me the result of their investigation on XX/XX/XXXX. Instead PayPal in a nano second sent me an email stating it was a proper charge. 
I googled XXXX 's contact email. XXXX responded with an email that they had no record of charging me {$130.00}.
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Paypal has placed a reserve hold on my account due to the fact that I have sold a few items that were on preorder. There were three items in total which are no longer on preorder and have been or are in the process of being shipped to the customer. I have been a long time PayPal user in excellent standing with hundreds of transactions that were made as a seller and all items have been processed, shipped and delivered to my customers. PayPal has chosen to flag my account without any merit and has held to date {$1600.00} of my money without releasing it to me. If you review my account, you will see that every transaction has been successfully delivered to all of my customers and that there hasn't been any chargebacks etc. There is no reason for PayPal to hold my funds despite their claims that they are doing this out of caution. They has caused harm to my business by freezing my hard earned funds in which I need to pay off my creditors for supply that was sold. I have contacted everyone up to the executive office and PayPal just refuses to help me and resolve this matter by releasing my funds. Again, I have never had any issues with any of my transactions that would have even warrant such a hold, and now that everything is said and done, I can no longer operate as a PayPal merchant due this practice and all I want at this time is what is owed to me. PayPal has been holding my money hostage. They may claim that they are in the right for doing this, however this is completely without any merit. They continue to hold funds for all of my items, those that were even originally preorder items, and as a result I had to spend additional money in shipping costs, funds out of my pocket for issuing refunds and having to issue additional money from my pocket to pay off creditors in which the funds being held by PayPal are owed to me. No bank or any other company does this, especially without a valid reason that would warrant this action. Again, my transaction history with PayPal as a long standing user for over a decade speaks for itself. Never had a chargeback, never have not shipped an item to a customer, never had not communicated with my customers. Also with transactions linked to XXXX sales, I have 100 % positive feedback on my account as well. I am an exemplary PayPal user yet, they refuse to release this warrantless hold and after all efforts in trying to speak with them, they have not been forthcoming in any attempts or helping me resolve this issue.
Consumer complaint received 2020-11-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX, I sent JP Morgan Chase Bank a validation request for validation that all required notices under UCC Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

XXXX for years has blocked access to the federally guaranteed free annual report unless you provide a phone number and email, conditions that are inconsistent with the law guaranteeing access. Now Equifax is doing the same, and the website that hosts the free reporting has a button to lodge complaints but they call them " comments '' and my repeated comments have resulted in no action. Everyone 's answer is " you can get your report by mail '' but the Fair Credit Reporting Act does NOT say consumers have a right to a report online IF they disclose phone numbers and email addresses and so there is no question that XXXX and Equifax are flagrantly violating the FCRA.