davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (MN)

I went to use my card and vendor tryed to take card the card away several.times after Numberous time calling credit card company they assured me the card was good and i was in good standing somewhere along the line some untrained personal shut my card off. I even talked to supervisors numerous times trying to figure out why my card was not working assured me my card was good and i was in good standings every time that the card was good this has gone on for a month and half I finally got a hold of credit card company repersevive XXXX/XXXX/15 was discovered my my card was shut off for no reason i could see if i was late or some thing like that but I was in good standing the whole time
Consumer complaint received 2023-07-21
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: ECredable (TX)

I looked at my XXXX credit report and noticed there was an account listed on my credit. I have no knowledge of this account. 

Between XX/XX/2023 and XX/XX/2023, your ECREDABLE.COM, LLC account balance increased by {$26.00} from {$62.00} to {$88.00}. 

I don't know where this account come from. I don't even have statements showing payments, but instead it says that my account balance increased by {$26.00}. What account are these payments being made, because I haven't made any payments. 

This has brought my credit scores down by XXXX points. 

I need this account with ECREDABLE.COM, LLC verified, I have no knowledge of this.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (TX)

I receive repeated phone calls from a XXXX XXXX number 6-8 times a day. I spoke with a woman one time and explained Im not paying anything until I get something on paper. She then proceeds to say bye XXXX. I have asked several people to please quit calling me and they havent. This debt theyre speaking of is not on my credit report. They also text me as well saying to please give them a call using different names.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my EXPERIAN credit report and found the following item ( s ) to be in error XXXX XXXX XXXX date- XX/XX/20XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXXdate- XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX  -date-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 -date-XXXX I received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX Date- XX/XX/2022 received a copy of my XXXX credit report and found the following item ( s ) to be in error : 1 : XXXX XXXX XXXX XXXX date-XXXX XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX : XXXX XXXXdate- XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Remove Employer : XXXX XXXX
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX date- XX/XX/XXXX XXXX XXXXdate- XX/XX/2022 XXXX XXXX XXXX XXXXdate- XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I received a copy of my XXXX credit report and found the following item ( XXXX ) to be in error XXXX XXXX XXXX Date- XX/XX/2022 received a copy of my XXXX credit report and found the following item ( s ) to be in error : 1 : XXXX XXXX XXXX XXXXt- dateXXXX XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX XXXX XXXX XXXX XXXX- date- XX/XX/2022 XXXX : XXXX XXXX-date- XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Remove Employer : XXXX XXXX
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2015 we went into the Chase Bank branch in XXXX XXXX, CA to open an account for our new business. Initially after meeting with the banker at the branch we were given account materials, debit cards, etc ( Act # XXXX ). Apparently, after whatever internal review, the next day, Chase decided that they " no longer wanted to do business '' with us. That is understandable, and acceptable, and that of course is their right. However, what we are quite concerned about is that the bank was willing to provide us with a notice of adverse action. In addition, we received a letter dated XXXX, XXXX, 2015, that suggested that we would be subject to " negative credit reporting '' due to transactions/our relationship with the bank. In this situation, it seems that there in essence was not a relationship with the bank, but rather a " no harm, no fowl '' type of situation. It was our understanding that the account was closed. Upon further review it apparently is not. We then went to the branch on XXXX/XXXX/2015 and demanded that our account with them be closed immediately, and any reporting state that the account is closed by us. We do not wish for the account to remain open, and do not wish to wait for Chase 's internal system dictating to us when the account will close. This is a DDA, and therefore we have the right to ask that it is immediately closed. 

In addition, we are asking for insurance that since there were not any negative/fraudulent activity on the account, that any negative reporting not take place
Consumer complaint received 2019-09-18
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)

This complaint is regarding XXXX XXXX account XXXX appearing on XXXX and Experian credit bureaus.The account should be deleted today upon receipt of the proof attached.There have been multiple disputes without remedy by either bureau.Both bureaus possess an FTC identity theft report that neither bureau reacted by blocking the information.XXXX sent a letter and CFPB response to CFPB XXXX, basically accusing me of either being mistaken or a liar or a thief.XXXX will find TODAY that " the shoe is on the other foot '' and that maybe it is XXXX who are mistaken ... .I have attached the XX/XX/19 letter. 
These are the facts : I experienced a fraud where some unknown entity used my card to buy steroid using muscle building products.I complained to XXXX XXXX.Over time, XXXX XXXX removed every fraudulent charge and all fees assessed by XXXX XXXX and adjusted the balance to XXXX. 
I have never used the card for anything. 
Yet XXXX XXXX employees, reporting credit, have held me accountable for late payments on charges I never made or paid for and products never received.The statements showing all charges and fees adjusted to XXXX by XXXX XXXX are attached. 
XXXX  would doubtfully survive legally and Experian as well with doing nothing less than an immediate deletion of this account as XXXX recently completed. XXXXVERIFIABLE PROOF IS ATTACHED THAT PROVES THAT THE CREDITOR XXXX XXXX AND BOTH BUREAUS, EXPERIAN AND XXXX ARE INCAPABLE OR UNWILLING TO ABIDE BY THE FCRA.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CREDIT ACCEPTANCE CORPORATION (MT)

To whom it may concern, Hello my name is XXXX XXXX, I am writing you in reference to a situation in which my affiliation through the auto finance company called Credit Acceptance Corporation has persistently dropped my credit score and caused me financial hardship. After much effort to correspond respectfully and amicably, with honest and genuine intentions of coming to an agreement that would remidy the negative information reported to all three credit bureaus. On XX/XX/2018, my employment contract ended as a pilot and there was a three month period in which i was unpaid before my first check from my current place of employment was received. After my payment in XX/XX/2018, I contacted Credit Acceptance Corp. to explain and warn them of my empending and inevitable situation, in an attempt to come to some polite agreement that would eliminate the possible late payment from hitting my credit score and possibly paying more in XX/XX/XXXX  to catch up in good faith. To no avail ; I was rejected, and told that late is late, and there was no options for me. I paid them late one half the full payment, and struggleing to pay half, I was able to scrape the money up to pay half, after paying half the full monthly payment they reported to the bureaus that I was 60-90 days late a full payment which is incorrect. I have opted to submit a complaint with the CFPB in an effort stop the situation from worsening. I have called and on all three occasions been rudely turned down put on hold for as long as 45 minutes only to be told that whats done is done and there is nothing that I nor they could, or would do to reverse or rescind even lessen the impact of my late half of one payment. I am an upstanding, morally sound, honest American that I believe contributes positively to society. The customer service phone number is XXXX headquarters located in XXXX, MI. I am asking for help because I am unable to catch up on late bills with even the smallest consolidation loans with my current credit score impact, I have no where to turn for help, moreover the longer it negatively affects my credit, the longer I am unable to improve my situation or my dignity. 

Kind regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE (LA)

In XX/XX/2018, Huntington National Bank ( via XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

To whom it may concern, My name is XXXX XXXX on XX/XX/2022 I had deposited 3 checks into my Navy Federal Credit Union for my friend because he doesnt have a bank account. He did let me know he tried to cash them at a check cashing place but they charge a percentage based on the amount. So we had deposited the checks into my account to which Navy Federal put a hold on my account to assure that the checks wouldnt bounce bank for my safety. I has been almost a year now and I still have a balance in there in the amount of XXXX, I had reached out to Navy Federal, as well as filled out in appeal form and I still have not heard a response so I am reaching out to you guys to get assistance on accessing my account back, please help! 
Account # XXXX Routing # XXXX
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (CA)

I am a victim of an Equifax data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.
Consumer complaint received 2022-09-07
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. (TX)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX CARD # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (IA)

XX/XX/2019 This involves on-line access to my current mortgage account. According to SunTrust Mortgage I am the " co-maker ''. We have an on-line account created, however, it had to be created in my husband 's name because he is the primary person listed on the mortgage. I needed to re-set the password after trying to log on too many times. I called SunTrust to re-set the password, however, they would not speak to me about it because the online account is in my husband 's name, not mine. Now remember, I didn't have the option to set up an account in my name. I am just a " co-maker '' to SunTrust. The customer service rep then attempted to set up my own on-line account, however, because I am not the primary person on the loan he told me they do not offer an online account for a " co-maker ''. 

I am just as financially responsible for the mortgage as my husband is. I should have the same access to the on-line mortgage info that my husband does. I explained to them that I am the one who set up the account initially and am also the one that accesses it when I need it. I am also the one that sends the payments. They would not re-set the password for me. They told me that they do not offer on-line accounts to " co-makers ''. 

Don't you think that anyone financially responsible for a mortgage ought to be able to have on-line access to the most current information? In this case I was trying to access the annual escrow statement that comes out in XX/XX/XXXXof every year. I am trying to adjust our budget to make sure I set aside enough money to make our next mortgage payment in the correct amount and in a timely manner. This was time sensitive information that I needed. 

I spent an hour and 16 minutes on the phone being transferred to various departments. This is not acceptable.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NC)

On XX/XX/XXXX my checking acct at pnc of XXXX was hacked and unauthorized charges begin coming out of my acct from XXXX. I do not own an XXXX nor have I ever. This wasn't caught by me until I received a low threshold balance on XX/XX/XXXX. Called the bank and many disputes had to be done because it was so many different charges from XXXX. Told me up to 10 days. On XX/XX/XXXX they took all money they did a refund which wasn't but XXXX dollars was TAKEN BACK OF OUT MY ACCT and I was denied. Didn't tell me why but said sounded as if all charges weren't reported considering the lady I spoke with over phone the day prior argued me down XXXX returned {$360.00} and it had been fixed and closed. That is along way from XXXX. She didn't seem to comprehend! I Was transferred and assured ALL CHARGES WOULD BE DISPUTED AND NOW I have to wait for another 10 to 20 days. Meanwhile, I have payments bouncing everywhere. The next thing I got was yet ANOTHER DENIAL LETTER. I added up what they disputed and what was charged... NOT the same total. No reason why. I've called stayed on hold to be disconnected after 2 and 3 hours! I called XXXX was informed without an original debit card they couldn't even look at it! The card was cut up and replaced on XX/XX/XXXX! Called the local branch a banker promised to look into yesterday and NEVER HEARD BACK! IM a single parent that lives paycheck to paycheck! I'm in bankruptcy and now I've been robbed of a whole check and PNC bank refuses to give me my money back. Is it my fault their employees can't do their job? If the case was they didn't get all charges filed so looks as if I did do some but not all? I have piles of late fees bounced fees and late on my bankruptcy and Nobody can tell me why I can't get my money back! It's been OVER A MONTH AND IM fixing to lose transportation to get my kids to school over something some XXXX XXXX XXXX  has done. I do NOT at this point feel comfortable uploading any of my documents online anywhere. I do have all of them!
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (IL)

I came across a settlement claim happening currently for Wells Fargo customers. I had a vehicle loan during the time frame mentioned in the article Information. My loan was paid off early and I believe I had the GAP insurance also... so, I am inquiring to see if I am eligible for the settlement. 
Thank you. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SECURITY SERVICE FEDERAL CREDIT UNION (AZ)

Made purchase in early XXXX at XXXX XXXX XXXX, did not receive XXXX points per {$1.00} spent on XXXX XXXX purchase, contacted Security Service Federal Credit Union by telephone and email with rude responses and hangups and ignoring emails and ultimately did nothing.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have Portfolio Recovery Associates harassing me for ouststanding debt that is over 9 years old. The  debt was not discharged in bankruptcy but written off due to the age of the debt. The debt is not on ANY credit report for me. The debt was never originally owed to Portfolio Recovery Associates but that has not stopped the harassment. When Portfolio Recovery calls me they reference my address from 8 years ago. Why are they allowed to harass me 5 or 6 times a day from different phone numbers for debt that has been written off. The debt has been written off by the original creditor. Why is Portfolio Recovery Associates allowed to harass me in an attempt to revive an old debt that was written off almost 10 years ago?
Consumer complaint received 2023-07-04
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. (MA)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

On XX/XX/XXXX, I created an account on www.equifax.com/fcra to manage my credit freeze. I tried to do a password reset. That's how I discovered a bug in the password reset process. The reset link doesn't reference a page which allows you to enter a new password : instead, it references a page which asks for your email address and password. 

I called customer support for a credit freeze 8 times over 4 days. I used both of these numbers : XXXX or XXXX. My request for help was never escalated to someone who DID, IN FACT, reset my password. 

Reps would tell me that they could only reset my password if I volunteered the following data over the phone. Name, full social, birthdate, phone numbers, home address, mortgage provider, monthly payment, credit card provider, total balance due or monthly payment, employment data, etc. This struck me as coercive. I answered several questions to verify my identity, then pointed out that the reps COULD CONFIRM that I had already created an account on www.equifax.com/fcra. I wouldnt be able to create an account unless I'd ALREADY answered those questions. SO WHY WERE THEY IMPLYING THAT THEY COULD ONLY RESET THE ACCOUNT IF I ANSWERED THOSE QUESTIONS USING A PHONE LINE WHICH MIGHT BE INSECURE? None of the reps I spoke with answered this question. 

NOTE In XX/XX/XXXX, I had used a phone-based system to place a credit freeze with Equifax. I got a pin, but never received paperwork from Equifax confirming that the freeze was in place - and that it had never been lifted without my permission. All of the other credit bureaus with which I placed a credit freeze provided confirmation of the freeze IN WRITING. except EQUIFAX.