davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I filed FTC XXXX. The option selected was Identity Theft ; and my TD Bank account ending in XXXX was XXXX of the accounts that the suspect, XXXX, is still attempting to take over. 

Well, now, what XXXX has gone ahead and done on a repetitive basis is switch the debit card or the sim on my card in the midnight hours while I'm sleeping. Every time I leave my wallet in my XXXX XXXX unit, XXXX, he continues to trespass and go into my wallet there, XXXX XXXX XXXX XXXX, XXXX, FL ; or at my Mom 's apartment, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX. Each time XXXX and his team players switch my card, the history becomes " new '' again. So, as of today, I have NO WAY of looking back to anything that is older than 60 days ; and my account was opened by " me '' in person with Bank Employee XXXX back in XXXX of XXXX. 

With that said, there's currently two problems with XXXX different company/organizations. One problem is with the XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. So far, for my XXXX High School Anniversary ( Reunion ) that's taking place XX/XX/XXXX I have paid the {$50.00} Membership Renewal Fee, {$10.00} Registration Fee, and {$35.00} Luncheon Fee. This week, I authorized the Staff Helpers to run my card for {$150.00} for one hotel night, XX/XX/XXXX -the XXXX. Upon doing this, I decided to place the email in my XXXX XXXX Society inbox folder that I created for XXXX. When I clicked on the folder, I noticed the " receipt '' for the XXXX was missing. So, I attempted to look for it via the SEARCH icon in my inbox, and there was no history. Therefore, I emailed XXXX at XXXX regarding this matter and asking her to email me the receipt again. Then I went into my TD Bank online account and pulled up the history ( 60 days ) and the amount {$35.00} came up as cleared. So, I took a screenshot of that and emailed it to XXXX. Yesterday, XX/XX/XXXX, I called the Organization and informed them about the emails and how it's okay to run my card for {$150.00}. 

Well, today, the card still has not been ran and I perceive I'm dealing with a fictitious online account. This is why XXXX continues to tell everyone I'm spending his money and I'm really not! I'm spending money I deposited. The deposits are coming from my self hard earned money. So, if that's not the case, why is he busy trying to steal my luncheon ticket, and pretend he's paying for a hotel room when it's me? Also, why is my XXXX XXXX transaction missing for {$32.00}? I did not make XXXX  transactions with XXXX XXXX on XX/XX/XXXX. I placed an online order for XXXX transaction that contained XXXX items in it. Who deleted the {$32.00} and made it XXXX separate transactions? Since when does that take place?
Consumer complaint received 2022-05-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is and I am filing a complaint regarding the recent experience I had with Bank of America 's mortgage loan department. 

I applied for a mortgage at Bank of America, and my loan officers are XXXX  and XXXX. 

On XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX, I received a phone call from XXXX saying I need to provide additional information within the next 2 hours or I will receive the " Notice of Incomplete ''. I told XXXX this is unrealistic and unheard of because I am currently at work. 

A few hours later, I received an email saying I have received such notice. My application is getting delayed. 

I have never received a request like this before from other companies. I am really surprised, confused and unhappy. 

I think I am being treated unfairly. 

Regards,
Consumer complaint received 2023-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I attempted to transfer {$10000.00} out of my Bank of America checking account to my new XXXX XXXX XXXX joint account on XX/XX/2023. The money was immediately removed from my BoA account but never arrived in my XXXX account. I have called both banks dozens of times. BoA sent me a letter on XX/XX/2023 claiming the money went through successfully and they can not recover it but as a " courtesy '' they are still trying to resolve the issue with XXXX which can take an additional 45 business days. XXXX claims they have no record of this transfer and can not see it as an upcoming or pending transfer to either of our accounts. 

Neither bank will accept responsibility and I have yet to see these funds back in my account. I can not believe that Bank of America has no way to trace the funds as they try to claim and that this issue has still not been resolved over a month later.
Consumer complaint received 2019-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lincoln Educational Services Corporation (MA)

I'm receiving calls, 2-3 per day, by a schools collection department ; which, to this date, has never mailed me a 'Debt Validation Letter ' and is denying me my lawful right to dispute. Starting on XX/XX/2019, throughout the 8 hours prior of this XXXX-XXXX   & indigent man contacting the CFPB ; I have received an average of 2- 3 telephone calls per day, attempting to collect money from me money I do not have and will never have ... ALLEGEDLY in the amount of $ 4,000+ for 12 classes. XXXX XXXX XXXX collection department has never identified themselves ; it was only until today, that they did identify themselves as the Schools debt collection agency. The only way I was actually able to FULLY identify the exact name myself was by running a reverse search on their ( various ) telephone numbers on XXXX. The filing of a lawsuit is currently under serious consideration, as legal counsel has been consulted ... as well as the authorities. In closing, I would also like to note that they have also called my rather ill, elderly mother, for that matter torturing her constantly beyond belief.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This account was opened and I placed an order online. I was sent the incorrect items and when I contacted the company I was told I was being refunded, which wouldve brought my account to {$0.00}. They never refunded or emailed proof of refund and apparently never refunded. So Im being charged for things I never received. I did dispute and call this out and they said the charges were similar to those made on the account and would not be refunded. Which was a shock to me as it was my first purchase, so how would a pattern of charges even be established. A ton of charges started coming in on my account totaling around {$600.00}. I did NOT make these charges. When I contacted XXXX in regards to this, I was rebuffed. After contacting them several times with no resolution, I disputed the account and its balance in its entirety to the bureau. It was not removed, nor accurately reported, and has since dragged my credit score down over XXXX points. Ive attempted contacting by phone again and can not seem to get someone on the phone who can even communicate with me effectively. I am seeking legal recourse if not resolved now.
Consumer complaint received 2022-12-17
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX 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  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XX/XX/2024 Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureaus, XXXX, Equifax, and XXXX, regarding an erroneous reporting on my credit report. Despite numerous attempts to rectify the situation directly with the credit bureaus, the inaccurate reporting persists, causing adverse effects on my ability to obtain purchasing power and violating my consumer rights.

The erroneous information pertains to a debt allegedly owed to a Timeshare Company, which inaccurately reflects on my credit report under my name, XXXX XXXX. It is important to highlight that I have never engaged in any business transactions or agreements with any Timeshare Company under the mentioned name or any other.

Upon discovering this discrepancy, I promptly contacted the Timeshare Defense Attorneys, assuming they would rectify the matter. However, despite my efforts and repeated requests for validation of the debt, no action has been taken to correct the misinformation. Furthermore, the credit bureaus, namely XXXX, Equifax, and XXXX, have failed to update my credit report accordingly, leaving the erroneous entry intact. 

This inaccurate reporting is not only damaging to my financial reputation but also infringes upon my consumer rights. As a consumer, I have the right to accurate and verifiable information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). By allowing this erroneous entry to persist, the credit bureaus are in violation of the FCRA and failing to fulfill their obligation to ensure the accuracy of consumer credit reports. 

The adverse effects of this erroneous reporting are evident as it hampers my ability to obtain necessary purchase power, hindering my financial stability and well-being. I have taken all necessary steps to resolve this matter directly with the credit bureaus and the relevant parties, yet no progress has been made. 


Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your assistance in restoring the accuracy of my credit report.
Consumer complaint received 2022-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

I used PayPal to send money to XXXX XXXX at XXXX XXXX XXXX. I looked up XXXX account and sent the {$900.00} dollars using PayPal accessing my bank account for an ACH transfer. I called XXXX and asled if he received the money and was informed he did not. I contacted PayPal and was told the XXXX I sent the money to was the wrong XXXX XXXX, the money went to XXXX. PayPasl said I would need to request a stop payment form my bank XXXX and Paypal will notify XXXX to refund the funds. I contacted XXXX and paid for the stop payment, the ACH was refunded and I thought the was resolved. Once PayPal was notified of the stop payment and the money was not sent, paypal used my XXXX credit card on file and paid XXXX XXXX I sent Paypal a dispute and they denied both claims.
Consumer complaint received 2022-05-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

As a result of Suntrust Bank 's transition to Truist, they have incorrectly applied my payments on my HELOC account and, as as result, have suspended my credit line AND reported my account as delinquent to the credit bureaus. MY XXXX score has gone from XXXX to XXXX based on their mistake. I have NEVER missed or made a late payment on this account, or any other for that matter.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX my credit report, someone applied for a credit card in my name. I don't know the amount but the inquiry is on my credit report, I contacted the company and the XXXX XXXX about this and haven't gotten any satisfaction.
Consumer complaint received 2021-08-26
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. (GA)

TO WHOM IT MAY CONCERN, I HAVE RIGHTS WHICH YOU CONTINUE TO OVER LOOK! You the credit bureau are also a debt collector! And are in violation of my rights as a consumer! The FTC will be made aware of this also! For your deliberate abuse and malicious intent to not scrutinize the law carefully, I will be forced to take Federal Action! If I've told you ONCE I shouldn't have to tell you over and over again! This is my LIFE are you really doing your JOB? " SCRUTINIZE 15 USC 1681 ( a ) ( 3 ) ( 4 ) very carefully ''! You must not know who I am, and how much power I actually have! 28 USC 3002. The United States is a Corporation that I am not a citizen of, BUT A CONSUMER and also an administered agent according to 15 USC 1602 ( o ). Now the term Consumer means any natural person obligated or " ALLEGEDLY '' obligated to pay any debt. 15 USC 1692a ( 3 ). Under the FDCPA I want you to Validate any debt you say I have on my CONSUMER REPORT! There is abundant evidence of the use of abusive, deceptive and unfair debt collectors. Which you happen to be one of! There are no laws in place for debt, the only law is to protect me the CONSUMER from debt! 15 USC 1692g ( c ) ADMISSION OF LIABILITY. The COURT can't say I owe it if I say I don't! So who else can say I do ... YOU? NO ONE!!! PROFF THAT A DEBT COLLECTOR CAN NOT VALIDATE A DEBT. I am the original creditor and consumer, security interest secured my obligation. The term credit card means any card or other credit device existing for the purpose of obtaining money! So my social security card is also a credit card, with an INDEFINITE amount! 15 USC 1602 J. TRUTH AND LENDING OPEN END CREDIT PLAN! Social security cards belong to the social security administration. I give it back to them at there request. So there for I'm just an administered agent, I DON'T OWE ANY DEBT! 18 USC 8 will provide that information to you. Again, REMOVE ALL DEROGATORY MARKS FROM MY CONSUMER REPORT AT ONCE! REMOVE ALL XXXX  XXXX {$680.00} {$580.00} {$550.00}. REMOVE XXXX XXXX  {$2600.00}. REMOVE XXXX  XXXX  {$1100.00}. REMOVE XXXX, XXXX XXXX XXXX {$910.00}. REMOVE XXXX XXXX {$230.00}. REMOVE XXXX  XXXX XXXX {$7300.00}. REMOVE ALL XXXX XXXX {$280.00} {$240.00} {$290.00} {$240.00} E.T.C. SO LET IT BE WRITTEN, SO LET IT BE DONE!!! P.S THIS IS NOT A GAME ... THANK YOU FOR YOUR CLOSE SCRUTINIZE OF THIS MATTER!
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

XXXX XXXX keeps adding SEVEN year old debt to my EQUIFAX credit report as NEW debt. I have not had a XXXX XXXX account since XX/XX/XXXX. I defaulted on a contract in the amount of {$1400.00} which was subsequently dismissed in Bankruptcy court in XX/XX/XXXX. EQUIFAX will not validate nor remove the debt even though I have disputed it at least 6 times in the last two years. I have dispute records. I want this illegal debt removed because it is now over SEVEN years old.
Consumer complaint received 2017-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (CA)

I have had nothing but problems since I opened my loan with Lending Club. THeir payment options are not in the best interest of the customer. To make changes to the date of your loan payment or make your payment early is a trial in futility. 

I personally needed the loan, however I should have not taken it out, as a credit card would have been cheaper for me. They are charging me almost 13 % over the top percentage rate of a standard credit card. 

I struggle every month to pay the loan amount. However they will not renegotiate the interest rate. I initially had requested a loan amount of I believe {$13000.00}, as this would allow me to pay off the loan over a longer period of time. I was denied but offered a loan amount of {$3200.00} with a loan origination fee of {$160.00}. This amount was not disclosed to me till late in the process. 

So did not receive {$3200.00} but {$3000.00}. 

I have made all payment on time as of XXXX/XXXX/XXXX. 

I applied and was approved on XXXX XXXX, XXXX and funds were deposited into my account on XXXX/XXXX/XXXX. Interest rate is 31.89 % and annual percentage rate is 35.96 % APR. 

They record my calls and I hope you can gain access to them they are not polite and there is much frustration in my voice when I talk to these people. As their phone numbers are not readily available to the public, and you have to search through XXXX to find their number. They want everything done via email. NOT GOING TO HAPPEN. 

I also question their XXXX XXXX amount of XXXX.
Consumer complaint received 2023-07-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX  sent me a Bill allegedly for XXXX XXXX received at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Specifically, medical service allegedly provided by XXXX XXXX, XXXX  at the Emergency Room of such Hospital. However, I rebutted this alleged medical service billed based on the fact that I did not authorized any type of medical service at this XXXX XXXX XXXX XXXX XXXX. I mailed certified letter requesting Cease and Desist along with reference documents regarding complaint filed against this doctor XXXX to the Texas XXXX XXXX. 
I received in return, attached a Billing Summary from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA- which it is the official billing system of XXXX XXXX XXXX XXXX in XXXX and in XXXX XXXX, Tx ; this Summary showed {$0.00} BALANCE as of XX/XX/XXXX regarding allegedly outstanding balance from XXXX XXXX MD. 
Now, XXXX XXXX XXXX XXXX disregarded this fact, and SOLD this CLOSED XXXX to this Collection Agency lead by XXXX company that I just received on XX/XX/XXXX. It is not acceptable that I had to deal over and over with the same alleged issued when it is been already addressed with XXXX XXXX XXXX XXXX in the first place. I respectfully request from this office to please contact this MBA-LAW office to once again state my rightful answer of CEASE AND DESIST regarding this matter. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CT)

When I went to XXXX to open an additional checking account they wouldnt because they claimed that the credit report said I had a closed account somewhere on which I still owed money The credit report from chexsystems does not show any closed account with a owed balance on it
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (TX)

On XX/XX/2022, I spoke with a representative from Harris & Harris that would only identify themselves as " XXXX XXXX '' in regards to a medical debt they claim I owe. During the phone call, " XXXX XXXX '' was short and rude with me. I asked for debt validation, to which I was given the information that I would have to contact another company ( XXXX ) to get that validation and verification. I asked " XXXX XXXX '' to no longer call the number they had on file for me and was proceeding to ask other questions when she hung up on me. I called XXXX and they were not able to find any debt that was owed and had no idea why this other company was contacting me. 

Today, XX/XX/2022, I had XXXX calls from them within the hour between XXXX. I advised the first representative that I had already asked for them to no longer call me, to which she said that the previous representative on Tuesday " should have '' put that in the system, but they did not do that. She then proceeded to try and collect the debt. I asked them how we could rectify this situation since they were not supposed to call. She placed me on hold and a person that identified themselves as a supervisor named " XXXX '' came on the line. He, at first, said that the previous rep did in fact put my name on the do not call list. I persisted asking why they would still call to which he responded that he has now put me on a " global supervisor '' list. So he is saying that my number was put on the list originally and they still called ( which is a violation ), but the other rep just before him said that my number was never placed on the list but still persisted with trying to collect the debt when she knew that the call shouldn't have been made ( still in violation ). I asked XXXX for verification of the debt, for validation that they own the debt, and verification that they are authorized to collect the debt, to which he claims they have already sent me " XXXX '' validation letters ( that I have not received ) and they do not own the debt. XXXX gave me XXXX " debt '' numbers and claim that I owe XXXX debts to this other company in the amounts of {$40.00} and {$150.00} and told me that the company XXXX may in fact not have record of these debts since they are in collections and not an active account ( just contrary to what XXXX XXXX told me ). They do not seem to know who owns the debt, where the debt is, and are giving me conflicting information.