davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2022 @ XXXX my mobile phone access to all apps, calls, emails, etc was disabled and it took 90 minutes with XXXX to get everything re-activated. At this point, I was advised that my online TD Bank password was changed, so I immediately called the Fraud Department at TD who froze my accounts. In this window of inaccessibility, it turns out I was the victim of identity theft and that the person who accessed my account had tried to remove funds from my checking account through XXXX ( three separate transactions - {$2500.00}, {$1000.00}, {$1000.00} to an unknown person ) and pay transfers at a Jewelry store in the XXXX, NY XXXX XXXX XXXX XXXX XXXX - {$500.00}, {$500.00}, {$2000.00} ). TD theft protection software blocked 5 of the 6 attempts, however the {$2000.00} pay transfer was pulled from my account. 

The next morning, I went into my local TD Bank and canceled all my accounts and re-opened new ones. The TD representatives advised that they would submit the claim for the {$2000.00} reimbursement with TD corporate and I should see my account credited within 7-10 days. TD corporate transferred my request to XXXX who operates the debit cards for TD and rejected my claim as they assume I physically used my debit card to complete this transaction, which of course was not the case. I have since returned and worked with the local TD representative in the bank to re-submit my claim two other times and was rejected each time. The local representative has provided a detailed explanation each time, however, I am still unable to get my account credited with the funds that were stolen. 

My identify protection agency, XXXX, advised that I submit this to you for your help. 

Thank you and best regards, XXXX
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In  XXXX   2017 I su bmitted all requir d annual documentation to re-certify my participation in the REPAYE payment plan with student  loan manager NAVIENT.  However, instead of putting me back on the REPAYE plan they automatically puts in th e IBR pla n which has higher monthly payments. They put me in IBR even though I submitted documentation saying that I wanted to remain in the REPAYE plan.this was  XXXX     2017.  Since  XXXX , I have called them on at leas t 5 sep arate occasions requesting that they put me back on the REPAYE plan. It is now  XXXX   2017 and t hey still have n't put me back on the REPAYE plan -- they actually removed me from any income based plan and my monthly payment has shot up frlm  XXXX  a month to  XXXX  a month.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Over the last year and a half, I have been receiving strange calls to my landline from Portfolio Recovery. There is never a message left, so after several of these calls, I did a XXXX check on their information and found that they are a debt collection company. Since I have never had any outstanding debts and have not received any official letters or other documentation from " creditors '' demanding payment for an " unpaid '' debt, I found it odd that I would be receiving calls from a debt collection agency. After a year of no-message calls from Portfolio Recovery , I finally answered one of their calls and told them to stop contacting my number -- that no one in my household had any outstanding debts. I went on to point out that I was aware the Consumer Financial Protection Bureau had fined them {$24.00} XXXX for illegal debt collection practices and made it clear that I knew their repeated calls to me were a scam. Unfortunately, the calls have continued. 

Absent any written demand or documentation from a creditor, bank, or lender sent to me via certified mail, I can only conclude that Portfolio Recovery is, once again, engaged in the same illegal activities which earned them a {$24.00} XXXX fine from the CFPB. Were they leaving threatening messages, their calls would be more disturbing and disrupting ; however, given the dodgy history of this company, the large fine they have had to pay for illegal practices, and their persistence in calling my number tells me that they are looking for naive consumers to scam. I just wanted to pass this on. You may want to launch another investigation into Portfolio Recovery.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello, Transunion is reporting information in error via my consumer reports as follows and it has not been resolved : 1. XXXX XXXX XXXX, Current and paid as agreed XXXX. XXXX, {$240.00}, Paid directly to hospital ( XXXX XXXX XXXX ) and to be removed as error per XXXX in Billing.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit report is reflecting a Judgment from XXXX XXXX this a unverified Debt given that XXXX did not report this to you but XXXX did there is a not a court in the country that verifies the stats of a Judgment. I called the XXXX court Myself they would not give me any information about the Judgment. Please Provide me with the name of the person verifying this debt because they will need to be prepared to tell a judge just how they Verified this information the court does not report this and does not verify the information Account number XXXX. My personal information was reported by a non- debt holder Aka XXXX the Release of tax Number for this debt is XXXX XXXX XXXX Recorder of Deeds
Consumer complaint received 2015-10-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

Related Complaint - XXXXXXXXI 'm deeply concerned with the response by Equifax. The item in question is still listed on my credit file and should be deleted. I fear that this raises various other violations with respect to Truth in Lending, FCRA, and FDCRA. 

I have been advised by my attorney XXXX. XXXX XXXX XXXX. that under the violations listed above I am entitled to damagers statutory, punitive damages, actual damages, and attorney fees. I have also been advised that there are multiple violations that would allow this to be pursued on a class level. 

I am very concerned at the way that XXXX XXXX conducts itself and it 's disrespect for the laws with respect to Truth In Lending, FCRA, and FDCRA. 

The way they have handled this and continue to resist removal of this trade-in from my credit reports raises other issues.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My Disaster forbearance plan ended on XX/XX/XXXX. The qualifying event for the forbearance was a reduction of income. My property was in a FEMA declared disaster area qualifying for individual assistance. According to XXXX XXXX guidelines I should be qualifying for a 12 months payment deferral. 

Please note on my file I previously had a XXXX XXXX deferral. To clear any possible confusion please review XXXX, Disaster Payment Deferral ( XX/XX/XXXX Please see page XXXX on the servicing guide I have attached Disaster Payment Deferral. Please review servicing guide in detail that Previous Covid disaster deferral does not take away my loans eligibility for a disaster deferral.
Consumer complaint received 2016-05-16
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (NJ)

closed my High Yield Savings account with SYNCHRONY BANK on XXXX XXXX, XXXX as of today, XXXX XXXX, I have not received my money. Called the bank several times and apparently the check was sent out on XXXX XXXX. I received a confirmation letter stating the account closed.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

The credit reporting sites are telling me that my address and social security number do n't match up when I have tried both of my previous addresses and have only lived at XXXX places my entire life. I just turned XXXX on the XXXX of XXXX, 2015 if that helps.
Consumer complaint received 2019-02-26
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. (MD)

For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX for {$180.00} These do not belong to me, have the bureaus take them off please.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as XXXX inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Central States Recovery, Inc. (MO)

I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX, and they appear to have sold it to Central States Recovery, account opened on XX/XX/2016 and XX/XX/2016 therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''
Consumer complaint received 2022-09-06
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. (NJ)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX 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 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX 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 2016-03-10
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Seterus, Inc. (IA)

Started refinancing. Closing statement ordered on XXXX/XXXX/2016. Closed, i thought, on XX/XX/XXXX. My attorny pd taxes and insurance, perdium for the days past guarantee. Tax pmt and insurance satisfied by our payments. Seterus, the company who my loan was with refused to honor closing and now asking me to pay XX/XX/XXXX house and escrow. They said they pd taxes on XX/XX/XXXX. Money was removed from my escrow acct between XX/XX/XXXX and XX/XX/XXXX. XXXX county ia treasurere has not received the pmt from seterus and they are now demanding pmt for both XX/XX/XXXX and XX/XX/XXXX. They also spoke with my attorney 's office and discussed the specifics of my accout without me on the line and even voiced that they were unable to talk and proceeded to discuss. I am reporting them fir violating my consumer protection rights. Today i recvd papers from them for being 30 days behind on a payment i should never had to pay and for an empty escrow acct that shouldnt be empty until XXXX XXXX.
Consumer complaint received 2023-04-14
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. (IA)

I sent out multiple letters to the credit reporting agency ( EQUIFAX ) regarding some inaccurate information on my credit report which consisted of unauthorized inquiries. This has been going on for over 3 months now. I am only XXXX XXXX XXXX who makes a decent amount of money for my age, has good relationships, and has a business to build. These negative inaccurate accounts are affecting my account tremendously, if there is a way you ( CFPB ) can help then please help. 

Attached below will be my ID and SOCIAL confirming it is XXXX XXXX filing the complaint, proof that the reporting agency received my letter, and the letter I sent out.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On Fri, XX/XX/XXXX, XXXX, I emailed our account rep at XXXX and I also paused our XXXX XXXX XXXX which was set to a limit of {$500.00} - the email I sent and that was acknowledged on Fri, XX/XX/XXXX, XXXX XXXX was expressing my deep concerns and telling out account rep that this was now paused and I never allowed or intended to spend {$1100.00} ++ which was shown as the amount the campaign was being charged, my rep XXXX, yes answered my email but her answer never addressed the issue, nor was any action taken to resolve the issue. Even after several attempts to go through the online queue chat box which I stayed on hold for 12 hours two different time and never got through, the phone number on our statement XXXX never leads to a person but instead states that even during normal working hours they are closed. Even after calling XXXX as a new buyer, I was then directed to a department that stated our " account rep '' who could not be named would reach out, and I never heard back. To date, although my concerns started with this {$1100.00} amount due, XXXX started removing funds from our company bank account at such a rapid pace I had to shut down the entire account. I did then dispute the charges, with 100 % expectation that Bank of America would ensure I was protected, and instead twice now I received letters that state they want us to go through the merchant. This is unacceptable.
Consumer complaint received 2022-09-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (PA)

Student loan has been forgiven years ago then It keeps being reopened several times. I had a deferment and forgiveness because of XXXX but keeps popping up. Also believe I am a victim of identity theft. Several items on report that come from other States and especially Texas where some relatives I have live. Been going on for years. ( Different discrepancies to my credit report )
Consumer complaint received 2020-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (GA)

On XX/XX/XXXX I checked my XXXX  and XXXX  credit report and was surprised to find a delinquency for {$500.00}, placed there by Midwest Recovery Systems. There was no prior contact in any way before placing this to notify me of the action, ability to pay it, OR DISPUTE IT. 

I checked the XXXX XXXX XXXX and they had many prior complaints and over 100 in the last 12 months. 

I contacted them and was told that they fo this all the time because they are not required to give notice of any kind before filings negative information on anyone 's credit bureau. They told me this was a debt from another company ( that never contacted me nor placed Anything on my credit bureau file ) that purchased it from a physicians group. 

He did take a verbal dispute but my score went down 42-45 points already and according to XXXX XXXX, even if it's removed will only rise back 25 or so points. I am starting a business and my access to credit funds has been diminished and I won't get that back for months at best even if they remove it.
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

In XXXX 2015 a collection agency called XXXX XXXX XXXX reported to the Credit Agencies a debt collection for the amount of {$470.00} from XXXX which a disputed and reported to CFPB and it was resolve. 
In XXXX 2015 a new debt collection agency called AFNI is trying to collect the same debt of {$470.00} from XXXX and reported to the credit agencies again
Consumer complaint received 2018-03-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (OH)

I paid off the lease in full on XX/XX/2018 and was advised that I should receive the the title in 4-6 weeks. I contacted the company on XX/XX/2018 to inquire about the title and they said I should have received it no later than XX/XX/2018 and if I had any additional questions to contact the title department. Every time I try to contact the title department there is an extended hold and I am told to call back. I have NEVER been able to speak to the title department and still have not received my title. I did not receive my title and waited an additional week prior to calling again. On XX/XX/2018, I contacted XXXX again and was advised that I needed to call back because they could not get through to the title department. I requested to speak to a supervisor and was placed on hold for 25 minutes and still did not get any additional information. I want my title!
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CIBC BANCORP USA INC. (TN)

On XX/XX/2018 CIBC USA, XXXX XXXX, IL called me to notify me that my 2 corporate accounts were being closed because of an incoming wire the day ( {$3000.00} ) before from a U.S.-based cryptocurrency exchange, Coinbase. They said that they don't allow transactions with cryptocurrency exchanges and that for that reason they needed to close the accounts. There was no discussion, just a 60 second phone call that we were done with their bank and that they were sending a check overnight. This has created a problem for us because we can not deposit the check and we need the money. It can take weeks to open this kind of account and we needed the money now, not one month from now. This was incredibly disruptive to my business and it would seem unjust to me given all the facts and circumstances. Can you help in some way?
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose prepaid 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 Bank of America claims XXXX or XXXX XX/XX/XXXX started claim pending status on the reconsideration For {$1900.00} XX/XX/XXXX my card declined and I called BOA, they said to call XXXX XX/XX/XXXX XXXX says they have no idea why BOA would close my card XX/XX/XXXX XXXX said check back XX/XX/XXXX XX/XX/XXXX spoke with multiple people at XXXX and multiple people at Boa was told that I was put on a list and that they would have it resolved in 2-3 days XX/XX/XXXX supervisor XXXX said call back everyday till they resolve it but he doesnt know how to resolve it XX/XX/XXXX XXXX BOA said that he would be frustrated too, but BOA doesnt give them any information he filled out a form and waited for a supervisor to respond to his form. 
They dont understand why my account has been closed to begin with, XXXX said that he sees no problem with my account and he also sees Ive been calling for over a week to resolve this issue. The supervisor says they apologize but it takes 1-2 business days for them to clear the account and they are awaiting a response from XXXX. I offered to call on 3 way multiple times to connect BOA and XXXX yet no one will allow me to. No one can give me any information on how XXXX corresponds with BOA or vice versa. Im being told that theres no problem on either end and both entities are blaming the other one! 

XXXX then transfers me to the supervisor who is XXXX claims department edd part of prepaid XX/XX/XXXX XXXX XXXX XXXX XXXX stopped payment and told me she would call me Monday however she didnt. She was supposed to be sending out my check. 

XX/XX/XXXX NO NOTES ON MY file!!! Says XXXX unemployment this system is so incredibly broken! I asked for the elevated response unit but wasnt able to get help or be transferred XXXX my card was finally restored after 7 full days of calls from XXXX to XXXX Calling the assembly man XXXXXXXX XXXX  office XX/XX/XXXX all my money was transferred out!!! 

With no explanation!! No information about where the money went to! 

I called again XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX Sent in additional fax information about my claim yet still no one has explained where this {$1900.00} has gone and its now almost 2 YEARS! 
This is insane
Consumer complaint received 2022-09-06
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. (MS)

Under the Fair Credit Reporting Act, they have violated my rights 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose