davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NV)

Hello, on or around XX/XX/XXXX and between XX/XX/XXXX I notified TD Bank USA N.A. that an unauthorized user had access to my card. I also advised them that the same unauthorized user also had access to my mailbox. Furthermore, I started I do not have access to my mailbox at this time. I advised them to shut the card off, until I can get the keys changed and I will call them back to my issue the new card. they told me that it could not be shut off, without mailing a new card. I once again reminded them advise them I do not have access to my mailbox if you issue me a new card the unauthorized user will have access to my new card. so I need you to please shut the card off for now. They did not shut the card off, and continued to put my ( PII ) It personal identifiable information at risk. By providing the unauthorized user with my ( PII ) and allowing the unauthorized user to continue to name purchases with my card. On XX/XX/XXXX nearly a year after being notified of the incident. They negligently approved an unauthorized transaction in the amount of {$32.00}, placed by the unauthorized user that gained access to my account. They did not freeze or place the card on hold after they were notified of the breach of ( PII ) and physical use of said card on or around XXXX nearly 1 year later they continued to allow the card to have unauthorized charges for an entire year after they were notified and continued to deduct non-consensual payments from my bank account. 
This is now led to a civil action and the card was subsequently charged off in XXXX of XXXX almost 2 years after being notified that an unauthorized user had access to my card. They failed to uphold their requirements as a US banking institution under the land of the United States and ultimately should be held accountable for all incurring charges and interest applied after the date of XX/XX/XXXX. This needs to be made aware of. So that others may not have to suffer the same. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc. (MN)

THEY STILL HAVEN'T RELEASED MY COMPLETED CREDIT FILE TO THE CREDIT BUREAS AND BECAUSE OF THIER NEGLAGENCE!!!! I HAVEN'T RECIEVED A CREDIT SCORE IN 11 MONTHS AND UNABLE TO GET ANY FINANCING ANYWHERE!!! ! MY CREDIT GILE NEEDS TO BE RELEASED TO THE CREDIT BUREAS AS I HAVE ALSO FILED COMPLAINTS AGAINST THEM ABOUT THIS EXSISTING PROBLEM THAT THIER CONSTANTLY DENYING AND REFUSING TO TAKE CARE OF!!!! @
Consumer complaint received 2023-04-10
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2019-04-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

Trying to locate a $ XXXX CD from a failed bank, XXXX XXXX XXXX XXXX, that was acquired in 2014 by XXXX XXXX XXXX or CIT Bank.
Consumer complaint received 2023-04-10
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. (FL)

I am intrested in disputing all inaccurate information on my credit report with transunion. checking all information that is not verified needs to be removed off my credit report. please review an delete the info listed to correct all invalid data an prevent the denials due to the incorrect data listed. please remove asap.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One closed my account and have still have {$15000.00} USD in cash being withheld from me. I have asked to have the money sent to my external account or bankwired to me or the check sent to me but they refuse.
Consumer complaint received 2019-04-10
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. (AL)

Contacted EQUIFAX & XXXX multiple times regarding items on my credit report ( bankruptcy ) that does not belong to me. They claim that they verified the information with a third party and confirmed it belongs to me. I contacted the court in person and was told that they don't provide any information to a third party and there was no record of any inquiries from the credit bureaus concerning me. It's almost like anyone can randomly call the credit bureaus or send them a file about a person and they don't verify but just add the information to the credit file. The court provided me with a letter stating the facts. I provided the letter to Equifax/XXXX and they reinvestigated. They now claim that the information was confirmed by the third party again. I even contacted the third party again ( XXXX ) and was told that no one had verified verify with them.
Consumer complaint received 2019-06-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (GA)

On XX/XX/XXXX I applied for title loan due financial hardship the loan was for {$1000.00} XXXX XXXX XXXX, I was told by XXXX that my payments were {$120.00} a month for 12 months and if I wanted to resolve loan faster to pay more I paid my monthly payments as told some months even more & when my 12 months was over I requested my title back and was told that I still owed {$1000.00} and that the {$120.00} was finance charges and did not go towards loan..I was mislead by terms of loan by XXXX who is no longer an Employee there I then reached out to the Operations Manager XXXX XXXX XX/XX/XXXX who advised that if I made a couple of payments in the amount of {$160.00} he will release my title so I did in XX/XX/XXXX I requested title again they refused and advised that I still need to pay {$1000.00} I have given this company over {$2500.00} to date & they still refuse to release my title and requesting more payments.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Dear Sir or Madam, My name is XXXX XXXX a former resident at property XXXX XXXX XXXX in XXXX, TX. At the time under the management of XXXX XXXX. 
We're fed up with the management of the property and our complaints and service call never completed on time. 

One incident that was a breaking point for us was the unit upstairs had a massive water leak and the water damaged the ceiling and fell, water-soaked in the carpet and mold on the walls. Management took weeks to respond to the services call, because of that the unit had a strong smell of mold and mild dew. My old parent 's health condition was affected by this. 

We notified the management because the unit was not serviced as agreed on the contract. We will end the lease and moved out. The property then turned this over to the National Credit System , Inc. to collected debt per breach of contract. 

I attached a copy of the break down of the collection charged here. As you can see on the form XXXX XXXX misleading the reason for move-out as personal reasons/concerns. 


I included the photos attachment as proof. 

Thank you, XXXX XXXX
Consumer complaint received 2023-02-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

USAA Bank, XXXX XX/XX/2022, I booked a room at a resort, was charged {$420.00} to my card, After booking, they never sent me reservation info, no contact info my info was put in someone else 's name. When I looked on my bank to try to see if I saw a number The name of the company that I went through for the reservation was not listed, I found out there was another company, I immediately called them and told them I wanted to transfer and I told him the reason why, I that the room is in another name, I would not get my money back, and I would not get a credit. I immediately for my bank and let them know what was going on, The bank reversed to charges back to me, I waited for my bank to contact me but never got anything in the mail as I do not do paperless. I was told that I would get something in the mail within 14 days never received it, then I looked at my account and saw that the transaction will receive first back to the company. In my case was considered closed. I explain to the rep that I don't have PDF, and I don't have a computer everything I do is on my phone That's why I prefer they contact me by phone or by mail. Because of them I took the money from my account it causes me to have multiple XXXX  fees for transactions that could not go through I requesting they reverse to XXXX fees and I'm requesting my money we put back into my account. It is important of an individual says that they XXXX information be mailed to them that it be mailed to them. USAA Bank has not been very kind, there was an incident where I had a XXXX  loan and I was assigned a representative through them to help with my processing, The guy told me that I should go and buy my home through someone else and then come back and refinance through them because they just didn't have time to work with me. I continue to stay with my bank because my husband who was a XXXX and a XXXX XXXX  XXXX them so much and it's because of him that I don't close this account even though he is gone.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
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 account # 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 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis (MI)

My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Innovis by filing a direct dispute with them. They stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached an account status letter from XXXX stating my account has never been delinquent and my forbearance from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Innovis is not actually doing an investigation and just running it through their XXXX system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with XXXX late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX  is a debt collector for XXXX XXXX and they are reporting debt on my credit report for {$16000.00}. The debt is not valid because they can not verify me, and my consumer rights are being violated under the FDCPA. I am aware that XXXX XXXX received a big check from the government under the CARES ACT ( from XXXX XXXX XXXX ) for my household when the pandemic was GRUESOME AND DREADFUL and they still illegitimately got me evicted. Im being subsequently sent to collections by XXXX XXXX however the eviction was unfair and during COVID 19. I have disputed with XXXX and they just keep updating the account!! XXXX XXXX violated my rights under 15 USC 1691, 15 USC 1681s-2, 15 USC 1692, 15 USC 1681a XXXX XXXX has violated my human rights and deprived me and my sons life and my personal information was sold to XXXX XXXX XXXX XXXX  causing significant damage to my credit report with out my knowledge and consent!
Consumer complaint received 2019-04-10
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. (CA)

Equifax fails to mail free credit reports when requested from ( XXXX ) XXXX I did not receive it this year nor last year. My husband did not receive his either. 

We have no problem with XXXX or XXXX. 

They make it difficult and time consuming when you complain. 

On XX/XX/19 I dialed ( XXXX ) XXXX and requested my free annual credit report from Equifax by mail. It never arrived. I phoned Equifax on XX/XX/19 and they needed to verify me. I spoke to supervisor XXXX # XXXX I answered reasonable questions : name, address, SS #, DoB, etc. 

Then had to answer : Name of company and recurring amount paid. 
I have no recurring amounts, I explained I pay balance in full each month. 
I gave them a bank and minimum required as listed on my bill. 

Last time I filed a dispute. 
I am XXXX. I don't recall ever filing a dispute with Equifax. 
I told them the date on the letter they sent me when I filed a fraud alert. 

I told them the date I filed a credit freeze. 

I also gave them the reference number from last year 's report. 

They said they could not verify my identity and I would have to send them 2 forms of ID by mail or FAX. 

They have consistently failed to mail free reports. 
Please investigate their practices and have them comply using normal procedures.
Consumer complaint received 2023-04-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-10
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. (IL)

I DON'T HAVE ANY PUBLIC RECORDS ON MY CREDIT REPORT, AND I DO NO RECOGNIZE THIS INACCURATE INFORMATION ON MY REPORT. SEE THE ATTATCHMENTS.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I have a mortgage with Seterus who is servicer for my loan. my monthly mortgage payment was {$2300.00} ( principal + interest ) paid on XXXX XXXX, but Seterus increased the payment to {$3000.00} due by XXXX XXXX in which they say escrow account added, but it is without my approval. 
I have asked customer service dept ( XXXX ) to remove escrow account on my loan verbally and in writing since XXXX XXXX, but they have not removed it until today. 
I never opened escrow account before, so I do not need to pay escrow amount in addition to original mortgage payment. it is their mistake and it should be corrected back to previous status and it is time sensitive matter but they gave me a false instruction and a lie so that I have n't got any corrected statement yet. 
1, 1st time call : XXXX XXXX, lady ( did n't get name ) advise me the will fix the problem, just ignore the bill statement with increased amount and I shall be given updated bill statement soon. but nothing happened 2. 2nd time call : XX/XX/XXXX, XXXX XXXX, told me that previous customer service agent did not do anything, so she was now making a special request for fixing the problem and advise me to wait until next week but nothing changed. 
.3. 3rd time call : XXXX XXXX, XXXX XXXX and XXXX XXXX ( supervisor ) told me that they can not handle this problem and I need to submit the request in writing to correspondence department XXXX. XXXX XXXX : I faxed the request and I have confirmation email from correspondence dept on XXXX XXXX XXXX. XXXX call : XXXX XXXX, XXXX XXXX, asking her to expedite the request so that I can just pay same amount as contract on next due but told me just wait until they respond to me. she said it will take one month. 
summary ; - it is seterus that made the problem, they should corrected this problem right away but customer service agent told me a false instruction causing to wasting of time - customer service agent said they can not handle escrow account issue and ask me to contact correspondence department directly through fax after 2 weeks of false instruction. 
- they said correspondence department will respond me within 30 days - but next due is XXXX XXXX and I just want to pay same amount as I always paid which is not with escrow account. 
- customer service agent asked me to just wait until correspondence dept answer and pay increased amount with escrow account which is wrong.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MD)

The lender was provided the loss mitigation package on XX/XX/2017 and I have requested an update on this review 3 times by being transferred to a loss mitt rep and having to leave a message - a notice of sale, with a sale date of XX/XX/2017 was received and i still have yet to get an update on the loss mitt review - when I called today for the review update, I was advised they never received the package for the review - I have been given conflicting information from the lender for over 3 weeks. and now they have set a sale date - At this point we feel the lender is not willing to assist the client nor do they have a competent system for the updates being provided.
Consumer complaint received 2018-04-11
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: EQUIFAX, INC. (FL)

I have contacted XXXX XXXX XXXX about 16 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One electronically got my info ( XXXX, XXXX, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. Capital One admits to having no physical or electronic signature and admits that is only their " belief '' that the account was created by me. Capital One has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over XXXX months now. Yet having no proof or authority, Capital One continues to publish derogatory comments on my credit report without any enforceable instrument to do so. My consumer rights are protected as The XXXX states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section XXXX. The XXXX requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under XXXX Section XXXX ( a ) If the party does not sign, the party can not be held liable. Capital One need remove all attempts to collect and stop publishing this account with derogatory marks on my credit report. Furthermore I want a forensic audit of the entire accout showing Capital One is not attempting to collect on an account that is already paid & written off.