davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$8600.00} ; XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$350.00} ; 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
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2022 I received in the mail a statement from TD Bank in reference to " TD Convenience Checking '' on account activity and closing of account. The account summary of account balance of {$3200.00} which included two deposit of {$2800.00} ( IRS Deposit ) and beginning balance {$400.00}. Account was closed on XX/XX/2022 with zero balance. 

This account was never opened by underwriter - never did business with TD Bank. The Statement was the first notice I receive that an account was opened. I spoke to " XXXX '' from TD Bank Fraud Department - internal investigation will proceed with any information I can help upon request.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

In XX/XX/XXXX, I had to change the payment source on my CItibank/ BestBuy credit card account set to autopay because of a stolen wallet. My old checking was cancelled and a new one opened. I updated the payment source for autopay online and placed a call to customer service to make sure all was working and connected. Autopay payment was withdrawn from the new source in XX/XX/XXXX and the paper bill reflected autopay setup. 
A few days ago, I was contacted by a collection agency because of 3 months of missed payments XXXX XXXX, and XX/XX/XXXX. Somehow, my account was bumped off of autopay and was sent to collections. My XXXX bill doubled to XXXX. I called Citibank/BestBuy to rectify and to seek an explanation as to why the autopay canceled out, after it was set up both online and verified over the phone. No solutions from customer service, just run around, transferring between call centers and being hung up on from a rude associate named XXXX in the Kentucky call center. This company will not take ownership for their faulty system. Had anyone looked at my autopay payment history and customer service call record, this could have been easily rectified. I spent up to 5 hours on the phone trying to obtain an answer about the autopay system failure. I wish I had that time back as it was a complete waste. The intent at Citibank / BestBuy is NOT to assist customers - the agents are trained to repeat the same 3 useless lines and to refuse to escalate the call to a department that has real answers. Nice little scheme CB/BB has going- bump customers off autopay, charge late fees and other charges.
Consumer complaint received 2019-06-14
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: U.S. BANCORP (ME)

Back in XXXX of 2017 my wife and I attempted to get pre-approved for a mortgage. When we got there, my credit report came back that I owed XXXX to XXXX XXXX XXXX and was currently in collections. I have never received any notice that this account was past due or going into collections prior to attempting to get pre-approved for the mortgage. Furthermore, this was a credit card I had stopped using well over a year ago. We contacted the company and the collections agency and they sent us over a itemized list of all the purchases made. At the same time, we discovered the card was missing. 

After receiving the list I filed a fraud report, somewhere around XXXX of 2017. They told us they'd get back to us within 30 days. Months passed, and I would contact weekly asking for updates. There were a lot of purchases, so I was reassured they were going through them. In XXXX of 2017, I contacted the company and they informed me they sold my collections charge to a different company. I then contacted that company and filed another fraud report. I have called weekly since XXXX of 2017 about this fraud report and I am constantly told they are still working on it and it will just be a few more weeks. 

This issue is still not resolved, is still negatively affecting my credit score, and it does not seem to be close to resolving. It shows up on my credit score as a closed account " In Collections/Charge-off. '' The contact information I get on my credit report is as follows : XXXX XXXX XXXX XXXX DISPUTES XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I made a deposit into my Chase account on Friday XX/XX/XXXX. It was a mobile deposit from a payroll check XXXX of {$1300.00} I should have XXXX available on the next business day which is Monday. And they said they were placing my check on hold for 7 business days. I would like to note this is not a re deposit item and it is not a new account. I called and ask for them to provide me the {$200.00} as stipulated by regulation CC and they stated they did not have to and were not required to do so. I have a disconnection notice from my electricity provider and I worked for that money there is absolutely no reason for the entire amount to be held for so long. I have been banking with Chase for some time now and they have clearly violated a federa regulation by not placing my check on hold for no good reason.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX Inquiry Date XX/XX/2022 2022
Consumer complaint received 2019-04-12
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. (FL)

Good afternoon, I am having a hard time with Experian report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. XXXX not sending me report back about investigation when I send several request I am attached the result from XXXX that XXXX collection was removed from my report and Experian and XXXX need to update my file. I am writing each of them with the same attachment I am sending you now.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (OH)

On XX/XX/2021 I sold XXXX XXXX for {$230.00}. I accurately completed a request for transfer of these funds to my bank account. To date, this has not occurred. I have repeatedly emailed Gemini concerning this issue. I repeatedly get vague answers as to my refund or no response. I am requesting {$230.00} be wire transferred to my bank account immediately.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

Over the last month I have made several payments to Citi in an effort to pay off a balance transfer offer I had expiring on XXXX. 

Rather than applying my payments to the balance expiring XXXX Citi chose to allocate my payments to balance transfers I had expiring in XX/XX/XXXX and XX/XX/XXXX! 

I will now be forced into paying interest on nearly {$6000.00} that I have repaid before the associated promotion had expired! 

I can't help but feel like this is a predatory practice. The value of my latter balance transfer promos has been negated ( despite being charged balance transfer fees to use them ) and now I will have to pay nearly 15 % interest on the balance I intended to pay off! 

Please help!
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENOVA INTERNATIONAL, INC. (NE)

I did NOT apply for anything with NetCredit and may last name has not been XXXX since 2010. 

My identify was stolen and this is yet another attempt to falsely obtain credit using stolen information, Why didn't the company notice the FRAUD ALERT on my locked credit file>
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I have reached out to all parties involved asking for supportive documentation, showing where this debt came from. They refuse to help and state things such as it is verified even though I KNOW its not my debt! I should not be held accountable for things that are not my own actions! I have mentioned multiple times that I live at one address and will only reside there. Ive never needed to move from my permanent address. Upon reaching out to National Credit Systems they wanted to negotiate a small fee in exchange to remove something that isnt mine. I am needing help here! Ive also sent certified letters stating such. Ive even went as far as to provide a police report from XX/XX/2018. Which was the day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not even a year later my identity was used!! Please help me sue this company!!
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Hello SIr/Madam, I requested Fifth Third Bank to close my escrow account around 1st week of XX/XX/2019 ( my home LTV was less than 80 % ), they told me that once I make a written reqest it will be closed in 2 buisness days and mortgage payments starting from XX/XX/2019 will be adjusted accordingly. I received a refund check from escrow companay around XX/XX/XXXX week, however as of today it's been 1.5 month and even after multiple conversations, it's not done even after they having all the evidences to establish LTV < 80 % : -their appraisal report apprasing property around XXXX ( LTV 76.5 %, home loan is approx 343,000 ) -XXXX  county appriasal report of property around XXXX for tax purposes ( LTV 78.5 % ) -PMI cancellation notice ( sent after LTV < 80 % ) Even after having all these evidences they haven't closed my escrow account & monthly payments adjusted accordingly. I would request XXXX to step in to resolve this.I would be glad to share you any information or documents that you need. 

Thanks, XXXX.
Consumer complaint received 2019-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Carrington is saying I'm {$3100.00} past due. I have been paying Carrington since XX/XX/XXXX when they took over my loan. But now XXXX XXXX XXXX is asking permission from the bankruptcy court to foreclose on my home. I have been making {$560.00} ever since XX/XX/XXXX. My payment has increased to {$630.00} but Carrington has been letting me pay {$560.00} anyway and I make sure before I payment which amount I should pay. They record phone calls and they can do research to go back and they will have it on record them telling me to pay {$560.00}. I believe that the XXXX XXXX XXXX told them to let me keep paying the {$560.00} so they could complain to the bankruptcy court that I've haven't been making my payments. Today I paid 3 payments of {$1200.00} XX/XX/XXXX. I am really being harassed Carrington and XXXX XXXX XXXX and being retaliated against because of the complaints I have made about this problem! XXXX XXXX XXXX allowed me to make a partial payment of {$180.00} because I had some unapplied funds which XXXX   XXXX XXXX applied to my XX/XX/XXXX payment and XXXX XXXX XXXX says I am {$3100.00} past due which is 5 payments since Carrington took over. I do have the letter which XXXX XXXX XXXX sent to me about accepting the partial payment of {$180.00} which was applied to the unapplied funds, to equal to the {$560.00} payment. And XXXX XXXX XXXX still wants to foreclose on my home!
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

in the month of XXXX the XXXX sent them XXXX for the monthly payment, then later I received a bill that did not include the payment so with the bill I sent it back to them with a hand writing note in the bill with a money other can remember the amount but it the note I ask what happen to the payment that I made, I received no answers an no other bills until today that I saw DCI collection pu it in my XXXX credit repot.
Consumer complaint received 2019-06-13
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND HAVE DISCOVERED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEAL OF STRESS TO ME AND TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Neon Newco Corporation (MI)

I still dont know why it happened. I got a text from skylight, which i have had for 3 years from my job for direct deposit, because I didn't have a bank, so I just kept the card. Saying i needed to call them. I called they said there was fraudulent activity on my account and they closed it out. Ask me which way I wanted my money that was in the account, my whole life savings, no other way to get money. They just keeped saying fraud department did it. No one could tell me why. They tried to send me my money twice thru XXXX XXXX but because they had the reason for the transfer marked as Freud on my account, XXXX XXXX marked my pick up as freud. Now i have to 10 days for all my money I have no access to any other funds. Plus my paycheck is now going to try to go into the account and hopefully be returned to my job, which even then they have to do the same thing and issue me a check which will take 15 days. They said I wasn't eligible for another account.

The only thing I can think about is a purchase I made on XXXX  that I refused the package. The other party didn't expect returns, but it wasn't a return, i didn't even open the package. Then they were trying to charge me for them to ship it back to me. I disputed with skylight, they gave me my money, the tracking number showed they got the package back. Then they took the money back out of my account without sending my package back. Now I have no item and out {$35.00} with no way to do anything because my account is closed out.
Consumer complaint received 2023-04-06
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Home Loan Center, Inc. (FL)

On XX/XX/2020, I contacted Lending Tree, Inc to request that a monthly payment be delayed or consideration given to reschedule the that monthly payment. Specifically, I requested some additional time to make the payment because I have been unemployed since XXXX, but have managed to pay each month on time utilizing the XXXX XXXX XXXX ( XXXX  ) Debit feature on my account despite the fact that I never authorized automatic XXXX  payments each month. Over the phone, the agent stated that the payment of {$1000.00} for XXXX XXXX usually taken on the XXXX of each month ), could be taken as late as XX/XX/XXXX. I specifically asked if I would have to make two payments in XXXX due the delayed payment for XXXX. I was told that I would not have to make this payment and I assumed based on the current pandemic that lending groups were willing to exercise some flexibility with regard to repayments. I also specifically stated at least three times during the call, that I needed to be sure that if I was going to delay the payment that the automatic XXXX  payment usually occurring on the XXXX of each month was rescinded/cancelled and would not be taken from the account. The agent stated that this was true : no payment on XXXX would be taken. I checked my checking account from which Lending Tree draws today, XX/XX/XXXX and discovered that the account had been debited {$1000.00}. This XXXX  occurred without my permission. This despite numerous assurances that no payment would be taken on XX/XX/XXXX. I called today and was told that the agent had not rescinded the automatic XXXX  payment feature and that two payments would be required to keep the account current in XXXX. In sum, Lending Tree authorized an XXXX  transfer from my personal checking account, received the funds, currently has control over the funds, after my permission to transfer for these funds was rescinded.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am getting a lot of credit card offers which I have to spend considerably time shredding every week. For instance I get offers from CapitalOne, XXXX XXXX, XXXX  ( not a credit card company I think but they still send me a lot of material ) The problem is that I have tried to opt out but they ask me for my first and last name. Here 's the catch though : the credit card offers I receive have my first and last name reversed. E.g. instead of XXXX XXXX, I appear as XXXX XXXX ( not my real name obviously ). 
So I am not sure how to opt out. That is, when I get asked about my name should I provide my correct legal name or just use the wrong name that they use in the promotional material they inundate me with? 
I worry that if I use my correct name I may keep receiving credit card offers as my name won't match against their database. I also worry that if I supply my name as they have it in their database ( i.e. with the first and last names reversed ) I may be breaking some law as I have to click a button that says that the information I provide is truthful.
Consumer complaint received 2023-10-17
Product: Credit 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)

I contacted TD Bank because in a trip to California in XX/XX/XXXX  my daughter who is the authorize in one of my TD credit card account her credit cards were stolen and TD card had a lot of transactions that were not hers. She called TD bank and reported to TD bank, and TD bank said they were resolving it. Gave me the credit and then they put charged the card again, this is not fair to me, We did not use that card in California. We don't have need to lie about it. This is very injustice that now they are charging me for transactions, charges that WE didn't do in our trip to California. I am kindly asking for help. Please help me investigate this as I tried all I can to tell TD Bank that we didn't do it. On the last letter they said they investigate and if they really investigated, they would of find out that wasn't us. I know TD Bank did not do their job to investigate it thoroughly. WE DIDNT DO ANY OF THOSE CHARGES.
Consumer complaint received 2023-05-09
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. (LA)

I appreciate you making the effort to correct and remove some of the data on my credit report, but there are still some accounts that need to be updated. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Original Creditor : XXXX  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 XXXXXXXX