davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX XXXX I received from my bank, TD Bank, a letter stating Enclosed is the information you requested. On the back side of the letter was a copy of another TD business customers cashed check. I took this letter to my local bank to inquire why I received the correspondence. After many phone calls from the bank to other bank employees I was told it appeared it was an error. I had been at this bank 10 days prior in order to obtain a copy of one of my cashed checks. Due to the current state of affairs with rampant fraud, scams etc I asked for the letter that was mailed to me be returned. They advised it was against their policy to return the document. I advised that this letter was delivered to me via the US Postal service and it was therefore my property. They refused to return it. If a copy of my cashed check was shared with another customer I now have no documentation/information in which to prove any type of fraud should it now occur with my accounts.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan Management Services was assigned my loan from XXXX XXXX for my property during COVID and tried to foreclosure on my property and would not work out or approve a loan modification. I filed for Bankruptcy to stop everything and tried to do a modification through the bankruptcy court. They would not approve me. I then applied outside of bankruptcy court again and they still won't approve me. I make plenty of money, however the housing prices went sky high after COVDI in Florida and I believe they want to kick me out and sell my house for a very high price! I am a single elderly woman and I am being discriminated on. Please help!
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (TX)

The date of my first letter complaint wasXX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

OnXX/XX/XXXX I filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XX/XX/XXXX, FTC as well as my States Attorney General.
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

i was incarcerated XX/XX/XXXX and was unable to make payments to my credit card lenders. i was released XX/XX/XXXX. 

during this time my mother was able to make some payments after obtaining a legal power of attorney.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

On XX/XX/2021 I wrote a validation letter to National Credit Adjusters, it has been 5 months later and they haven't responded to my certified letter asking for validation of the allege debt they claim I owe. But I see that they are still reporting the invalidated account to all the credit reporting agencies before validating it.
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (MN)

Merchants Credit Guide Co, reported on XX/XX/2019, to the XXXX credit bureaus that I owed {$930.00}. They claimed it was from XXXX XXXXXXXX XXXX XXXX. For the past three years, I disputed multiple times through each bureau. I also directly contacted the Merchants Credit Guide Co after XXXX XXXXXXXX XXXX confirmed they have no such a record with them. I sent the documents ( copy of my DL, written statement ) the collection agency asked me to email and they never respond back to my calls or emails after that.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (MS)

I had gotten an ( 350.00 ) store credit card from XXXX coat factory and I have been paying on this card only ( 350.00 in thier use ) I been praying them since ( XXXX or XXXX of this year 2021 and I just submitted a payment yesterday. So I decided to check my balance and I have payed this company at ( 180.00 on toward a 350.00 bill ) and I asked them why haven't my payments been going toward my monthly bills and they refused to tell me and told me they don't have too. That is a lie. I want my money or they must put it toward my bill. I only get items on this card no money so why isn't my payments deducted each payment date I am never late. I pay with my debit card. And they refused to sent my statement 's too my other address because they I never got a statement and I asked them why??? Now I see why because they been cheating Me and not applying my monthly payment to my bills.
Consumer complaint received 2023-06-19
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. (NJ)

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 reports no consent is fraud.
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc. (CA)

It was XX/XX/XXXX, very early in the morning, around XXXX, I got a phone call from this random number, it woke me up, there was this lady, who said I was prequalified for a loan, I was passing trough a very bad financial situation at this time, so I thought it was a bless, she started saying that, they were a very reputable company in the US , and then to explain, what the loan was about and how much I would pay if I accepted, she said they were able to borrow me {$850.00} and I will have to pay in return {$1100.00} because I would be paying XXXX, so I thought it was a good deal, and then I accepted, I made the agreement over the phone, and I agreed to pay {$250.00} twice a month for over a period of two months, the first payment was {$320.00}, on XX/XX/XXXX, next was {$250.00} on XX/XX/XXXX, next {$250.00} on XX/XX/XXXX, next {$250.00} on XX/XX/XXXX, and the last one XXXX on XX/XX/XXXX. On the previous XX/XX/XXXX it was when I found out that something was wrong, I call them to the phone number on their website witch is XXXX, I wanted to make sure my account was released from their end, and, if there was any remaining amount I wanted to pay it off, and this person said that I owned them {$1100.00}, I was in shock, then he continued saying that, if I wanted to keep paying twice a month, I still have to pay over {$5000.00} at a interest raite of 763 %, for the {$850.00}, so I told him that I wouldnt pay that because is too much and the agreement was that I will be paying them {$250.00} for over two months and believed I paid it off already, even with a interest of 50 %, he said I had to paid them, I believe thats unfair. Today XX/XX/XXXX, at XXXX, I got another phone call from them, the phone number was XXXX, there was a guy who started telling me that I have to pay them, That I own them, and I have pay. Im so scared that, they will come after me, and try to do something on my pay stubs from work, or in any other of my bank accounts, or on my credit score. I refuse to pay what they say I own them, because I believe that, I already did, and even more than 50 % XXXX. they have all my information, and I dont Know what to do about it.
Consumer complaint received 2021-05-07
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: Experian Information Solutions Inc. (TX)

This is my second and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX XXXX signed me up for an auto repairs XXXX Credit card, and entered my mailing address completely wrong. I never received ANY of the bills for the service, as they went to the incorrectly entered address. After they finally called me about it, I resolved immediately by paying bill, but XXXX had already sold the debt to a third party collector that I did not have a contract with at all. I don't believe it should be allowed that the third party collection agency be able to post negative remarks on my credit about this, since I did not have a contract with them. I also think it was poor business for XXXX to move this to collections before even contacting me to let me know about this bill. All they had to do was call but instead they moved it into collections after not getting any response, because they were mailing the bills to the wrong address.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

It was started in XXXX. I dont remember the exact date but around XX/XX/XXXX. 
I called in to dispute fraud charges on my account. 
Bank of America credited the charges and the following weeks contacts me and tell me the charges are not fraud. I have reopened this case over 5 times and have asked for proof and they refuse to send me any paperwork besides a piece of paper that says the claim was declined. 
Today XXXX I just got another letter saying that they will put a note on my credit file that I do not agree with their decision and there is nothing else they can do. 
This is not acceptable!! One of the charges is from a store in XXXX!!! 
I need help, the company refuses to provide proof!!
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - XXXX, Trans Union , & XXXX based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (NY)

I have sent letters out on XX/XX/2021 to verify the debts listed below and attached, I have yet to receive any documentation verifying that these debts belong to me. It has now been over 30days and following FCRA guidelines these need to be deleted immediately. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I have attempted numerous times to add a credit card account that I am on to both XXXX and Experian. It is very important as it is an older account and one that will update my utilization ratio tremendously. 
Currently only XXXX has it correctly listed and as a consumer the FCRA gives me the right to have any credit information and accounts that I am currently listed on. Thank you.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX fraudulent atm withdrawals for {$980.00} were made on consecutive days and in different locations. The first was on XX/XX/XXXX in XXXX, CA and the second was on XX/XX/XXXX in XXXX XXXX, CA. Both cities are in XXXX California, however, I had my card on my person XXXX miles north in XXXX XXXX which can be confirmed by the charges I made in XXXX XXXX area on my BofA XXXX card and personal debit and credit cards. 

On XX/XX/XXXX I called to cancel my card, but was not able to file a claim with the fraud department as they were closed for the day. It took a day or XXXX to finally reach the fraud department. XXXX separate claims were filed for each charge and the below is a timeline of events Letter was sent on XX/XX/XXXX regarding claim XXXX stating that BofA believed my claim was fraudulent and any funds that were reimbursed would be debited from my account. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating that BofA reviewed my claim and permanently credited my account for the {$980.00}. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating BofA issued a temporary credit to my account that would post within the the next XXXX business days. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating my claim has been closed because the bank believes my account or the claim have been the subject of fraud or suspicious activity and any temporary credit applied to my account would be debited from my account. 

A letter on XX/XX/XXXX regarding claim XXXX stating that BofA has completed their investigation of the disputed transaction. The previously issued credit of {$980.00} is now permanent. 

Other Issues that prevented the claims from being approved : Bank of America ran internal audits which automatically closed claims. 

Bank of America created new claims instead of reopening existing claims which raised red flags. 

It has been extremely difficult working with Bank of America to have these issues resolved in a timely manner. I look forward to receiving notification that the funds will be deposited back into my account.
Consumer complaint received 2018-02-27
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. (MS)

After investigating my credit report, results and facts is this company has reported false information ; after my first dispute the results remained the same. The results are clearly false reporting and I will be moving forward with my actions.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I have three mortgages with XXXX XXXX that have been transferred to Truist Bank for servicing. I received a letter on XX/XX/2022 from XXXXXXXX XXXX  for each loan stating that my servicing was being transferred to Truist Bank. This letter also said that I would receive a letter from Truist about my new account. I never received those letters. My mortgages are due on the first of each month. I have been trying to set up an online account with Truist since I got the letters from XXXX XXXX When I attempt to do that on Truist Bank 's website, I get an error message and a message that says I need to call Truist Bank after XX/XX/XXXX. I have called several times with no action on Truist 's part to allow me to pay my mortgages. Today is XX/XX/XXXX, so I call Truist Bank to set up the online account so that I can pay my mortgages, and after being on the phone for over 30 minutes, I was told that to pay my mortgages, I would have to sign up for an online bank account with Truist Bank first. I do not want to do this, and it seems that they are purposefully making it difficult for me to make a payment. I just want to pay my mortgages. I feel like this is a violation of the law ( requiring me to sign up for a bank account to be able to pay my mortgages ) and tramples on my rights as a consumer. I didn't ask for any of this. I just want to pay my mortgages.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Im accordance with the fair credit reports act XXXX account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish a account with out my written instruction.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Im accordance with the fair credit reports act XXXX  account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish a account with out my written instruction.
Consumer complaint received 2023-06-19
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. (SC)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : - XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX  XX/XX/XXXX