davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

Erroneous Overdraft Fee : As per notice attached from TD Bank, at the end of XXXX, there is no overdraft since I transferred funds from my other account with TDBank. If the check had been returned, the Overdraft Fee would be valid, but the check/payment was cleared on the same day, and even their notice is showing no overdraft at the end of XX/XX/2017. 

XXXX never ever charge any Overdraft Fee for such scenerios.
Consumer complaint received 2024-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

I am not liable for this debt with USCB America. I do not have a contract with the collection agency, trying to collect and reporting this to my credit report. They did not provide me with the original contract as requested. I would like to know what information was provided to show proof that they violated my HIPAA protection rights. They obtained medical information concerning my medical history and used it to threaten and harass me to pay a bill. My XXXX writes are clearly violated by XXXX obtaining my medical history information. I want their collection thats of two that disputes removed from my credit history immediately.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (DC)

Recently I checked my credit report and noticed there are multiple billing errors under 15 U.S. code 1666 ( b ) billing error - ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2017-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

In the process of my divorce in XX/XX/XXXX my ex insisted that as I was to be awarded the home the mortgage was to be in my name. 
The home was refinanced through XXXX under the guise that it would be in my name only. My ex told me years later he knew before signing the documents it would not be in my name as I had no credit or employment history at the time. I wasnt aware of this until after the final papers were signed. 
The mortgage was taken out after we were legally separated but before the final divorce documents were signed. 
His name is the only one that shows on the paperwork, ( loan documents ) but I show on the Deed of Trust and he quit claimed the property to me. Our divorce decree awards me the home but is silent about the loan, there is a remedy for breach for undisclosed liabilities in the divorce. 
I attempted to apply for a loan modification in XX/XX/XXXX and XXXX refused to talk to me as they said the loan was not in my name. 
My ex said they would not modify it because he did not live in the home. 
When it was taken over by XXXX I obtained permission to speak to them from my ex and we both participated in the initial modification process. This drug out and he eventually refused to continue to be involved and they told me I needed to apply for an assumption, so I did and this drug out until it was transferred to XXXX and sale dates came and were postponed, paperwork lost ... same story everyone has. 
The loan was transferred to Shellpoint late XX/XX/XXXX and I submitted a new package as they requested, resubmitting the quit claim 3 times. When I called to make sure all the paperwork was acceptable they refused to talk to me. They said my ex told them I was not to be allowed to submit a modification package and they were not to speak to me and the home was to be sold. 
I was told that I was not on the physical loan. 
I sent Loss mitigation an email stating that I was on the Deed of Trust and held the quit claim that there must be an issue with the documents and I want to see the note. 
I am the owner of this property and should have the modification package accepted. 
In response, I received a letter addressed to my ex saying I contacted them and they are refusing to communicate with me. 
The house was to be sold XX/XX/XXXX I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and the sale date has been postponed until XX/XX/XXXX.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc. (OH)

Over {$4000.00} was stolen from my cash app account when my phone was stolen. These transactions were made in the form of XXXX XXXX. Cash app has been uncooperative in forgiving these transactions, which is illegal being that there is proof I did not perform them. I do not deserve to not have access to my account because of a thief. They closed the previous case XXXX stating that they reached out to me but all they did was say there is nothing they can do and that it is my responsibility. Per federal regulations, victims of identity theft and theft in general are not responsible for fraudulent transactions. Therefore, cash app is committing a crime by holding me accountable for these transactions. They said they investigated it but they did no such thing.
Consumer complaint received 2021-01-31
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: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2021 I sent letter to navy federal asking them to dispute these negative late payments from my report because it was unfair and abusive to my general reputation as the consumer and at the time I have been going through hardship. They responded and said they are only allowed to report accurate information. But, that's not true they lied to me! because as a educated consumer I have read the laws of the FCRA and the FDCPA and it states in 15 USC 1692D 1 ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with collection of a debt. without limiting the general application of the foregoing, the following conduct is a violation of this selection : 1 the use OR threat of use of violence OR other criminal means to harm the physical person, REPUTATION or property of any person. I have explain to the debt collector that my consumers reports is my general reputation and that The FCRA ALSO STATES 15 USC 1681 The banking system is dependent upon FAIR and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and UNFAIR credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. My consumers reports have been indeed unfair to my reputation as a consumer I have a right to privacy and I have explain this to the 3 major credit bureaus and navy federal in the mail and over the phone numerous times. I hope cfpb is able to help me with this issue.
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (SC)

Cell phone was stolen in XX/XX/2004 and company told me I can not cancel or report stolen and the person who stole my phone made long distance calls which was not free at the time and XXXX told me I was still responsible for charges.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IL)

I opened an account to process payments for my small business. I was verified and had submitted all doucments requested. Square allowed me to process payments and then cancelled my account before I could transer funds to my other bank. I can not process anymore payments and have no idea why they did this. It has been since XX/XX/XXXX when every day they say I have a pending transfer for the next day but it doesn't happen. They cancelled my account and keep chaning the date until when they will hold my fudns which is now XX/XX/XXXX. I am losing my business, and defaulting on my mortage because of this. Again, they will not give an explanation why. I need my momey right away. They are rude, hang up on me, end chats, talk to me like I am a crook, but won't say what happend for them to accept my money and then close my account where i can't get it. They refuse to provide me my account and routing number which has been blocked from viewing online.
Consumer complaint received 2021-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NJ)

Equifax Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX To whom it may concern, I wanted to reach out regarding the following violations posted to my credit report 15 USC 1681 a ( 2 ) ( B ) Exclusion from a consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 U.S. Code 1681b - Permissible purposes of consumer reports I am doing my due diligence to restore my credit after one of the most toughest times in world history. As a consumer these are a violation of my rights. I am demanding that the following account be removed immediately. Account Info Account number XXXX Collection opened XX/XX/2021 XXXX  XXXX XXXX XXXX XXXX Amount {$430.00} XXXX  XXXX XXXX XXXX XXXX Amount {$420.00}
Consumer complaint received 2021-06-23
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: Bread Financial Holdings, Inc. (NY)

I got this accounts that are notmine and i want them to be remove from the 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I have not received a statement by mail or email notifications from HH GREG store credit card since the company went out of business. When I contacted customer service they refused to look into the issue and when I asked to speak to a supervisor I was hung up on twice. One representative advised I would have to login to see statements however the website does not allow this per the attached screenshot
Consumer complaint received 2022-09-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NH)

I recently filed an insurance claim for some water damage to my home. I contacted my loan servicer on XX/XX/2022 to ask whether there are any restrictions on my ability to perform the repairs to my home. My servicer told me that normally they do not allow self repairs, but that I should keep my receipts and they might release the insurance proceeds to me. The answer seemed somewhat strange to me- either I am allowed to perform the repairs myself or I'm not. So I asked the same question two more times and received the same answer. I reviewed my mortgage and it provides that " During such repair and restoration period, the Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender 's satisfaction, provided such inspection shall be undertaken promptly. '' Nothing in my mortgage gives my lender the right to refuse to allow me to perform the work myself. Nor does anything give my lender any control over who performs the repair. I found PennyMac 's response to my simple question to be highly deceptive. It seemed to be specifically designed to mislead me. I've been a customer of PennyMac 's for over six years and I'm very disappointed with their response. PennyMac should be able to provide me with a clear answer to my question.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upstart Holdings, Inc. (IL)

Upstart Network Inc. 

Date Opened : XX/XX/2017 This company is negatively effecting my credit. This personal loan owed is already paid. I wanted this collection removed because it effecting my efforts of getting a mortgage.
Consumer complaint received 2017-06-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (FL)

I spoke with XXXX XXXX at BBVA compass in XXXX, Fl. About a home equity loan. I told XXXX XXXX specifically in the presence of my wife, XXXX XXXX, that I did not wish for a credit report to be run until I decided to apply for the loan. XXXX XXXX assured me no credit report would be run until I was ready. I arrived home today, XXXX XXXX, 2017 to find in the mail two credit reports had been run. When I called XXXX XXXX she matter of factly stated that credit reports are run when she submits inquiries about loans. I thought consumers had the right to be protected from this practice when they specifically requested it not be done. Please respond to me at XXXX With high regards. XXXX XXXX
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX I responded to a personalized offer received from USAA for the Limitless Cashback Rewards Visa Signature Card offering 2.5 % cash back. I was subsequently denied for the card. When I called in to inquire I was told I would receive a letter stating why I was denied. However, the only letter I received from USAA regarding this application was a notice saying I Was declined offering me the opportunity to open a secured credit card with them. There was no reason given for the denial, or other options or explanations. This came as a shock as it was a personalized offer sent and titled to me, which generally have higher acceptance rates due to their intentional targeting based of their knowledge of the targets current credit profile.
Consumer complaint received 2017-06-22
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. (IL)

please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXXXXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
Consumer complaint received 2024-03-23
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX file number XXXX reference number XXXX original creditor American Express Thank you for talking a couple of minutes out of your busy day to read this letter. I ve enjoyed my relationship with AMERICAN EXPRESS since XXXX. 
Im writing because i noticed your company reported a late payment in XXXX  XXXX on my credit reports. I am requesting a goodwill adjustment to removed this late payment from my credit reports ) XXXX, XXXX, and XXXX. 

Upon review of my record, I realize that I did indeed miss the payment deadline. Unfortunately, I was a victim of bad society that led me to not be able to meet my payments : I take full responsibility for the mistake and have made sure it won't happen again. As you can see from my payments history, I ve made every payment on time both before and after the late payment. 

I am in the process of applying for a loan credit house and the negative impact of the late payment could result in a denial for my loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested, I believe it will significantly improve my chances of approval and save me unnecessary cots in the process. 
I am a XXXX, I work for XXXX. You can imagine the responsibility I have and that I assume the responsibility that I made a mistake and that will never happen again so that you can remove my late payment, please
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma (GA)

credit karma informed me that i had high approval odds but both times I was denied even when my credit score was high than the first time, I have inquiries that where not needed and my credit score shot down dramatically and I have been denied for other loans, what makes matters even worse is that I seem to can not get them removed
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc. (SC)

After reviewing my credit, I noticed accounts that are unverified and accounts that do not belong to me. These accounts MUST be removed immediately if you ( the credit bureaus ) do not provide proof that these accounts were opened by me. I want a copy of the documents you used to verify the validity of these accounts. If you do not provide this information in the next seven days ( 7 ). YOU MUST IMMEDIATELY REMOVE THESE ACCOUNTS. 

Collections XXXXXXXX XXXX investments XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX -SXXXX XXXXXXXX Ser XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX Inquiries -Rise, XXXX XXXX XXXX, XXXX Department of XXXX, Web Bank/onemain/ XXXX, XXXX SXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALL NEGATIVE CLOSED ACCOUNTS ARE IN VIOLATION
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (TX)

The following phone numbers have attacked me with a phishing scam : XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX. 
( XXXX ) XXXX sent a text message to my phone, ( XXXX ) XXXX Saturday, XX/XX/XXXX at XXXX XXXX  CST with the following text : " BACKGROUND CHECK NOTICE - Someone Ran One On You, 0n Fri XX/XX/XXXX. Find Out Who ; XXXX  : XXXX '' I opened this link on a sandboxed computer ( no personal info on it ), and it was a phishing scam asking for me to put in more personal information. 
Next, ( XXXX ) XXXX sent a text message to my phone ( XXXX ) XXXX on Sunday, XX/XX/XXXX at XXXX XXXX  CST with the following text : " Re  ; EQUIFAX Has Flagged Your Account For Unusual Activity ... Please Handle ; XXXX  : XXXX '' Please investigate into the owner ( s ) of these phone numbers and website domains. This is targeted harassment, and I am worried that there is nothing I can do. Blocking them is futile, because they keep changing their phone number.
Consumer complaint received 2017-06-22
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: JPMORGAN CHASE & CO. (IL)

please refer to complaint # XXXX. Chase admitted fraudulent use of my identity regarding the Amazon Visa application ; I was told in writing that the fraudulent inquiries would be removed from the XXXX CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by Chase dated  XXXX/XXXX/2017. What 's going on? Why is Chase keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (AL)

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In my complaint CFPB Case : XXXX I stated I did not authorize anyone to add me to their Capital One card as an authorized user, I never was in possession of that card yet it is being reported on my credit report, I want that account removed from my credit report.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It was stated that credit reporting companies have the right to update and include information on my credit report based on their research. I mentioned to them that the information was inaccurate. The debt is being shown as a public record and is not mine.
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (NY)

I went to XXXX Bank to apply for a mortgage on XXXX 2017 and when the mortgage officer ran my credit, he said there was a charge off/negative collection account on my report that I did not open. I realized it had been a result of ID theft so I started the process of filing a police report and disputing it with the credit bureaus but nothing has been done yet and this is still damaging my credit!