davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Credit card or prepaid 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 (NC)

I was recently a victim of consumer fraud, and I have been unable to get any relief from the consumer credit company, TD Bank/TD card Services. I am a customer of XXXX XXXX XXXX and have an established credit account ( recently closed ) with TD Bank who finances the transactions for them. 

In XXXX of 2020 I received a bill from TD Bank for {$1700.00} for merchandise purchased from XXXX XXXX in XXXX, SC on XX/XX/2020 ( invoice attached ). Note that I have never patronized the XXXX location because I live in XXXX and have only shopped at the XXXX store. 

Someone impersonating me with my identification information fraudulently purchased merchandise using my credit account. They signed the receipt and drove off with the merchandise. I have subsequently formally disputed the charge on 2 occasions and have provided to them all required information and forms to TD Bank, all attached. I have also filed a police report with the XXXX, SC Sheriff, Case number available upon request. Unfortunately, this type of petty crime often receives little attention. 

I visited the XXXX XXXX store in XXXX, SC, and interviewed the salesman, XXXX XXXX, who worked with the impersonator. He acknowledged that I was not the person he worked with. Because I have a strong suspicion of who might have knowledge of my personal information and who would be able to successfully impersonate me, I showed XXXX a picture of my sister. He positively identified her with 80 % certainty as the person who he worked with on the transaction. 

Both TD Bank and the XXXX police have all of this information. Yet, TD Bank, XXXX XXXX in their Fraud Department XXXX, insists that I am still responsible for the transaction because a signature was written on the bottom of the receipt/invoice attached. The signature is not mine, and it bears no resemblance to my signature that both TD Bank and XXXX XXXX should have on file. 

Can you please help me with my dispute of the {$1700.00} charge? I clearly did not purchase the merchandise and did not sign for it, Thank you.
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MN)

In XXXX and XXXX 2014 I missed payments on my XXXX credit card. It was a misunderstanding on my part. I believed I had set the card up for autopay and had not. I am a XXXX XXXX XXXX and XXXX and XXXX are our busiest times of the year. I did n't see the notifications in the hussle and bussle of the busy season. Regrettably, I missed two payments. 

At the time I had just turned XXXX years old I did n't understand how this would affect me now as I am trying to buy a house 3 years later. 

I have been diligent to pay ontime ever since. I have not missed any payments in the last 35 months and I have a plan to always check to make sure they are paid. I have a reminder set on my phone to always check my statement online and make sure payment goes through automatically.
Consumer complaint received 2021-09-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/XXXX and XXXX, 2021, I made a total of 5 money transfers through WesternUnion totaling US {$38000.00}. On XX/XX/XXXX, WesternUnion informed me that the transactions had been cancelled by WesternUnion and would be refunded. On XX/XX/XXXX, I received a refund on one of the transfers for {$8000.00}. Since then, I have been in contact with WesternUnion daily to get the remaining {$30000.00} refunded but with no success. WesternUnion has not provided me with any explanation as to why the funds are not being refunded, only that they are looking into it.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I had a fire in my apartment on XX/XX/XXXX and all of my personal paperwork ( SS cards, financial statements, check and bank statements etc. ) for me and my son XXXX was burned destroyed in the fire along with furniture, clothes and everything we owned in it. I have a fire report and back up to show all this information. After the fire I had called the SS security office to alert about my number and my sons card being lost so that they can be on alert for identity theft. I also alerted the three credit agencies XXXX and XXXX too. In XXXX of XXXX, I was alerted through email through XXXX XXXX about my credit report about a Home Depot account being opened and right after that Home Depot called me to say my account was past due. I told them that I didn't open it and that it was fraudulent and they said they would take care of it. Recently, I was reviewing my credit report scores and notice that Home Depot was on my report and I called AGAIN to find out why and they said my son XXXX took out the account and sent orders to the address where the fire was and we no longer live at since XX/XX/XXXX. I am currently waiting for them to send me statements that DO NOT prove anything except Identity theft so that we can go to court to get this {$260.00} charge resolved. This company is a disgrace and the fact that they anyone can just open up an account concerns me and says something about Home Depot and how they protect from identify theft and their customers accounts.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

In XXXX 2017 We received 7 letters stating Citibank was closing all of the accounts in my household. The accounts consisted of my husband and me, as well as XXXX of my children. The letter ( which I no longer have ) had no explanation as to why they were doing this. They said they have the right to discontinue business with anyone for any reason they choose. We promptly withdrew all of our money ( XXXX ) from citibank at that point. I contacted the executive offices for Citibank and was told " It was a business decision and business decisions ca n't be reversed. '' A couple of weeks later without notice our XXXX XXXX  XXXX card and XXXX card were cancelled.. which was quite an embarrassment. I since have attempted to re-apply for the XXXX XXXX XXXX card and was denied. I will attach the letter ( which is very concerning to me, my husband and our children ). I am worried for our financial future. I applied for another XXXX not associated with XXXX and was quickly approved. I have also opened another account with a different bank.
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : XXXX DATE XX/X/2011 Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX  stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-08
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: National Credit Adjusters, LLC (CA)

I reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. Here as follows is the item in error : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Remove following account from my XXXX  Credit Report Collection Agency : National Credit Adjusters Original Creditor : XXXX XXXX  Balance : {$880.00} Account Number : XXXX
Consumer complaint received 2017-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (VA)

I have had my personal PayPal account since XXXX, and I have used it responsibly. In XXXX of XXXX, I was unfairly penalized by the combination of XXXX and PayPal ( which I realize are separate companies now ) in the sale of an XXXX gift card ( {$100.00} value ) to a customer in XXXX. This customer defrauded me, and then proceeded to charge back the transaction. I found that gift card transactions are not protected by the seller protection afforded to most PayPal transactions. So, I incurred real losses of {$320.00}. I was advised by XXXX/PayPal to pursue the XXXX citizen through XXXX legal remedies. I explained how pointless and cost-ineffective this would be. So, I withheld payment for several months. I made payment in XXXX, XXXX when PayPal held payments to another account " XXXX ''. My account was restored in full. 

I am a XXXX patient, and I own an IT consulting firm. One of the services that I offer is XXXX XXXX using XXXX XXXX, and I sell XXXX XXXX XXXX XXXX. In late XXXX, XXXX, I became a partner at XXXX in order to offer more product variety. As a consequence, I set up an XXXX store and XXXX store for my company, XXXX XXXX XXXX. I still have pending sales on my personal seller account at XXXX. 

I have had some unplanned absences from work due to my XXXX, and my assistant began her maternity leave earlier than expected. These situations coincided to create some shipping complications. I have tried to communicate effectively with customers. But, I have not been perfect. And, I have had 2 customers in particular with unrealistic demands. I feel that XXXX  took unnecessary action against me. This caused PayPal to put a limitation on all of my accounts. 

In speaking with customer service, I ran into an especially nasty supervisor, XXXX ( user id XXXX ). He should not be in a customer-facing role. I attempted to explain my situation, but he could not have been less interested in helping me. From the tone of his treatment, I felt as if he suspected me of foul play which could not be further from the truth. I try to be a responsible member of every community that I participate in. 

.
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-11-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (IL)

On XX/XX/17 I got a call from the collection agency at work. I had already told them not to call me at work to call my cellphone. I called XXXX back on my break. I explained that I was trying to get my financial situation stable that if I could give a payment in XXXX that tax season was already in XXXX and that I would be able to give a payment by then. She transferred me to her Supervisor. I explained myself to him and he proceeded to intimidate and threaten me stating if I didnt give him some kind of payment that day that he would put down that I refuse to pay this debt and make sure a suit was filed. At no moment did I say I would not pay this I know I owe this money but I went thru a hardship almost lost my house and fell behind with other debts. He said if I can pay my car note then I can give him a payment that day. He again said he would make write down that I refuse payment cause if I can pay my house and car then I can pay him. At that point I hung up the phone.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Remove unauthorized, possibly fraud hard inquiry, XXXX via XXXX. I did NOT authorize this inquiry. I have filed a FTC complaint, provided affidavit and CFPB Complaints.
Consumer complaint received 2018-01-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (TN)

XXXX XXXX in XXXX tn. XXXX XXXX XXXX. XXXX and XXXX both have been told by my husband to stop calling him regarding my loan and they both called him today XXXX XXXX 2018. He is going to file harassment on them and the company
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My XXXX AUTO LOAN ACCOUNT HAS BEEN SHOWING 4 30DAYS LATE PAYMENTS ON IT, I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND THE BANKS CREDIT COUNSELER SAID SHE COULD NOT ASSIST ME WITH GETTING THE LATE PAYMENTS REMOVED EVEN WHEN I WAS NEVER LATE. RIGHT NOW THE ACCOUNT IS SHOWING TO BE PAST DUE WHEN IT HAS CLEARLY BEEN PAID AS AGREED AND CURRENT. I DO PLAN ON TAKING LEGAL ACTION AGAINST THIS COMPANY FOR REPORTING THIS INACCURATE INFORMATION. I HAVE SPOKEN TO SEVERAL INDIVIDUALS IN THE BRANCH AND EVERYONE HAS NO CLUE ON HOW TO HELP ME, BUT THEY CONTINUE TO ACCEPT MY ON TIME PAYMENTS
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I wanted to opt out of the reporting of the utilization of the credit card.Per the law 16CFR313 the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act they are violating the law of reporting to a third party.
Consumer complaint received 2017-11-30
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: Navient Solutions, LLC. (KY)

XXXX requested balance was $ XXXX settlement amount with XXXX  balance of {$0.00} documentation to support both. 3 months later USFunds request balance of $ XXXX will not accept XXXX {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

If you make payments online the website constantly crashes before completing the transaction or is simply " unavailable '' & prompts you to call them. Calling to make a payment is a {$9.00} fee and they refuse to waive this fee although it is THE ONLY option they give you when website never works.
Consumer complaint received 2022-01-06
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. (FL)

I am writing this complaint to inform the CFPB, Equifax and XXXX that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so.
Consumer complaint received 2017-11-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

On or about XXXX XXXX I completed a Loan Rehabiliation program with XXXX XXXX and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. 

As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. 

On XXXX/XXXX/XXXX - I sent a special written request directly to XXXX. 

In whole, it stated : { { { { { Regarding Account # XXXX Account # XXXX I 'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any William D. Ford Federal Direct Loan ( Direct Loan ) Program and Federal Family Education Loan ( FFEL ) Program - as specified in the terms of the Higher Education act and the Department of Education. 

Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date, and make all nine payments during a period of 10 consecutive months.

Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. 

Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me early in XXXX, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. } } } } I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (TX)

In acordance with the fair Credit Reporting Act 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  has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions.
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Hello CFPB officer, This is the follow-up complaint on the case XXXX. 

After I submitted the case XXXX to you on XXXX XXXX, Citibank did send me an email informing that I am receiving my {$400.00} promotion bonus to my Citibank account. This email was sent to me in the afternoon XXXX XXXX. However, I requested to close both of my Citibank accounts in the morning the same day. I have tried to immediately contact the bank explaining why I decided to close the accounts and would want to receive the {$400.00} by check. I have called them several times with no answers, left a voicemail, and sent them emails. No one has called me back. All I have received was genetic emails. As the result, AGAIN, I am filing this complaint with CFPB, and requesting that Citibank sends me my {$400.00} bonus as promised via check as soon as possible and to close this case. 
I have never had such a difficult time dealing with such big bank like I have been dealing with Citibank. I am terrified by their incompetent representatives, and by all the lies that they have fed me with to lure me and customers like me into banking with them to take advantages of our money for their own business.