davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY (MA)

I am writing you to lodge a formal complaint to TD Bank regarding the sudden, unjustified closure of my TD Cash Rewards credit card account. 

When I opened the TD Cash Rewards XXXX credit card account on XXXX/XXXX/XXXX, there was a promotion attached to my account for " Earn 5 % cash rewards statement credit on eligible purchases with your TD Cash Rewards XXXX card. Eligible purchases include dining, groceries, gas and cable, phone and utility bill payments for the first XXXX months after account opening ''. Everything was fine for the first XXXX months. However, in the XXXX month, all grocery store purchases I made between XXXX only earned me 1 % cash rewards. I called TD bank to inquire about the missing rewards on XX/XX/XXXX and without any notice in advance my credit card account got cancelled on XX/XX/XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (PA)

My truck was repossessed today, less than an hour ago. It creates a hardship if I can not get that vehicle back asap, I can not go to work. There was no warning, the tow truck came and took the vehicle. Ally can not provide proof of validation of the loan, nor will they accept other forms of payment which have been sent. They are very aggressive and I am now under duress. 

I sent a letter a few months ago disputing the account, called them out on fraud, they immediately closed the account and refused to accept any more payments in fiat currency and is demanding certified payments. Again, this account is in dispute so the vehicle should not have been repossessed. 

On XX/XX/XXXX, I received a letter indicating a charge off with no repossession in the communication. This is illegal.
Consumer complaint received 2017-06-01
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: Experian Information Solutions Inc. (FL)

All  XXXX  credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

First off, I would like to say that this is not the first time Chase has arbitrarily cancelled one of my disputes because I " failed to give them requested information ''. This has become a clear pattern with them, and it has to stop. In this particular case, I returned an item to XXXX, but was never given a refund ( {$130.00}, purchased on X/XX/2017 ). I contacted XXXX directly, and they said that they would issue the refund, but never did. I informed Chase of this, and gave them all of the details that I was able to - both online and by filling out the paper form that they subsequently sent. Much to my surprise, I then received a letter from them saying that I had failed to give them the information they requested, and they were unable to reach me, so they had put the charge back on my account.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (LA)

I moved from XXXX XXXX XXXX in XXXX of 2018. The apartments attempted to have me illegal XXXX after I already told them I would be moving out. Once I moved out the filed an XXXX   case against me. I attended the court hearing paid the balance that was owed and the case was dismissed. The amount that was owed was {$1300.00} not the {$4300.00} being reported to XXXX. Under the fair credit reporting act it is illegal for debt collection companies to report inaccurate debt to the credit bureaus. I have requested that this information be removed from my XXXX credit report several times and they continue to violate my rights under the fair credit reporting act
Consumer complaint received 2017-06-01
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. (VA)

XXXX  has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with  XXXX . After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a  XXXX  account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

My mortgage loan is through Bank of America. I have 11 months until it is paid in full. I received a letter from BofA today, indicating " Reply required, '' asking for date of birth, occupation, and source of income. This information was provided at the time of mortgage application. Hence, I suspected this request to be a scam or fraud. If not, it appears that BofA is not a good custodian of my personal information. The letter states : " Please note : Not providing the required information by the date listed above may be considered a request from you to close your account ( s ). '' I did not appreciate this threat, and quite frankly did not understand what it meant ... to close my mortgage? This is not an open line of credit. It is not clear, did they intend to call the balance due and send me to Collections? For information provided 14 years ago that they did not retain? I called BofA to ask specifically what they intended to do, to close my mortgage. The rep said they would n't be closing it, but I would not be eligible to apply for future loans through Bank of America. I would interpret this to be discouragement, a violation of ECOA, Federal regulation B.
This is troublesome behavior from one of the nation 's largest lenders.
Consumer complaint received 2022-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2016-08-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kirschenbaum & Phillips P.C (NY)

the debt collection firm Kirschenbaum & Phillips had gotten a judgement against me without my knowledge, without any notification in 2009 & has repeatedly tried to collect on a debt I do not owe due to identity theft. I have contacted them repeatedly, filled out XXXX identity theft packets & submitted police reports. They have seized assets in my bank accounts XXXX, which were eventually returned to me. I have been to the county records office/courts to find copies of this judgement & there are no records. 
This is a debt that was created due to identity theft. I have provided all the information and last known whereabouts of the individual who stole my identity yet Kirschenbaum & Phillips has still continued to harass & threaten my assets. 
I can not keep a bank account due to the constant threats of asset attachment. This has been an ongoing issue since 2009.
Consumer complaint received 2015-12-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

As a result of filing a complaint for Case number : XXXX, Ditech has now accelerate the note to default because they claim they did n't know if we wanted to stay in the home and were restricted from calling us. This is unfair practice, not true and retaliation! I have made many attempts to call and left messages to response to my calls with no return calls. I have asked for repayment documents agreement and have never received them. We are only 2 months behind and when we finalize selling one of our assets, we will bring the mortgage up to date. Please advise on how we can stop Ditech from conducting this unfair practice and the acceleration.
Consumer complaint received 2022-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NC)

This debt has been settled and paid in full with this company and I want it removed and report to all 3 credit reporting agencies This company MIDLAND assured me it would be done once payment was settled and they have yet to do so.
Consumer complaint received 2017-06-01
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

Toyota has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with Toyota. After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

PNC is my bank, and they are not SHOWING THE CHECK NUMBERS WHEN i WRITE A CHECK!! I WRITE CHECKS THAT ARE PROCESSED ELECTRONICALLY, FOR EXAMPLE TO XXXX   XXXX AND XXXX. 
THEY ARE NOT SHOWING THE CHECK NUMBERS WHEN I ACCESS MY ACCOUONT ON THEIR WEBSITE!! THIS IS FRAUD, I ABSOLUTELY NEED TO SEE THE CHECK NUMBERS TO KEEP MY CHECK BOOK IN ORDER! A check just came through today with a number on it through XXXX XXXX, and it was written a month ago!! 
One of them is responsible for this fraud!! XXXX XXXX XXXX checks always go through with a couple days because they are processed electronically. 
However, I CAN NEVER, EVER SEE THE CHECK NUMBERS TO VERIFY THAT IT WAS INDEED THE CORRECT CHECK THAT i WROTE! 
aND PNC PULLED ANOTHER STUNT THIS PAST WEEK, I DEPOSITED TWO CHECKS, AND A FAMILY MEMBER WAS IN THE HOSPITAL. THEY ASSURED ME THAT THEY WOULD CLEAR, AND I WOULD HAVE NO FEES, THE NEXT DAY ON XX/XX/XXXX, THERE WERE FOUR FEES!! I HAD TO BEG AND PLEAD WITH THEM TO REFUND THE FEES! THEY ARE NOT GIVING ME CORRECT INFORMATION, I AM ALREADY UNDER A MASSIVE AMOUNT OF STRESS, I DO NOT NEED THIS FROM THEM ALSO. IT WAS AN ABSOLUTELY HORRID EXPERIENCE THAT THEY PUT ME THROUGH! THEY NEED TO BE INVESTIGATED AND FINED! AND THEY CAN NOT WITHOLD THE CHECK NUMBERS FROM ME FROM WRITING CHECKS THAT GO THROUGH ELECTRONICALLY.
Consumer complaint received 2016-01-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC (WY)

I have a student loan from XXXX XXXX XXXX University being collected by ECSI. I have paid on the loan since 2008. I went through unemployment and then entered school full time. I am in school at XXXX XXXX University for a XXXX in XXXX XXXX. 
ECSI has received all of the deferment paperwork for in school status. They contact me every other month at least to tell me I am due for payments. Then they send me emails that I am in deferment. The website states I am in deferment but it also shows I have payments due. 
I am trying to buy a house and I looked at my credit tracker. ECSI sent me an email in late XXXX that I am in deferment from XXXX to XXXX Then they reported me 30 days late to the credit bureau on my account on XXXX XXXX.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: JPMORGAN CHASE & CO. (NY)

I begin working for XXXX XXXX XXXX in XX/XX/XXXX and been promoted to XXXX XXXX XXXXXXXX for the XXXX XXXX XXXXXXXX then transfer to XXXXXXXX XXXX XXXX XXXXXXXX and because of my position I was requested to order office supplies with purchasing card with the XXXX XXXX XXXX XXXX because I was the XXXX XXXXXXXX XXXX informed that it had to be in my name the first card issued was XXXX XXXX and then over time they change purchasing system and the credit card change as well I never apply for a credit with Chase or JP Morgan Chase this credit was used for XXXX XXXX and the XXXX XXXX   XXXX XXXX was in charge of it. I called today and Customer Services XXXX from Chase state that the card last four number are XXXX and was charge off in XX/XX/XXXX to a XXXX XXXX and they customer services number is XXXX I ask the supervisor documentation that I open they credit card and she told me to write Chase Card Services at XXXX XXXX XXXXXXXX, XXXX, DE XXXX for this documentation why that banks are allow to sell your credit information and accused you having a credit card and do not have official documentation of the credit in the system and they claim they have recovery system but do not is this legal to accused me of have credit card and do not give proof of it and is it legal to sale my social security number and credit history and when called this number is was not a debt collect but a system that ask if I'm XXXX years or older this is agency they sold my credit information and my social security number to is this legal please investigate this agency and ensure they operating according to United States Federal Regulation I would not open any credit but because of the job gave my information I was told by the back ground investigate with the United States Federal Government that I had pay up all debt and this is not me and the United States Federal Government debt should not be on me and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations
Consumer complaint received 2015-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i have a checking account with bank of america, in My i was hit on my account ( fraud ) for {$700.00}, comanies i never heard about, talkin to my bank clain agent she said yes they are fraud and credetit me with XXXX Thern i got a new debit card and account #, thought i was safe until the beginning of this month. I receive XX/XX/XXXX checks on the XXXX each month, this month i receive it on th XXXX. What ido is pay ALL my bills, even ahead of time except my mortgage, which is done electronically on XXXX. I was hit with fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. for about {$1200.00}. I called the bank and started a clainm, it was denied, they said it dint follow a scammers pattern, so here i an with XXXX tomy name for a month, i have lupus and very serious pain from XXXX that XXXX dr 's can not diagnosis me, this is goin on 2 years. I went to see my branch mgr abd she helped with with a XXXX clain, i have the charges belowXXXX on XX/XX/XXXX for XXXX prepaid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX other XXXX was ther but i know they didnt pay it, i believe it was around XXXX i was making my claim i told the woman that i called these companies and they said i didnt even have an acount with them ... .I called next day to fraud mgr, who told me it was denied, i pleaded and told him im broke, he didnt care, i then opened another dispute claim, havent received papers yet, but i asked th mgr if i couldtalk to the investigators and tell them all i tried to do. They openened a hardhip case and that was denied, i am in pain 12 hours a day until i go to sleep, wake up and pains there, i asked the mgr if i could tak to them and he said no, the case is closed. I found you and i do believe ill be able to have a hearing or someway i could talk face to face ... With all this info i cant see how they turned me down. and most messed thing is they PAID all these companies on XX/XX/XXXX!!!!!!! leavin my mortgage there, next month ill be a month behind, Please help me, all this is the truth..If they pulled my other bill payin they would see my patterm and why would i wipe out my account ... .Thank you : )
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AZ)

Account status, despite being paid in full, has not been reported since XX/XX/2022. Despite several attempts to remedy this, Comenity agents are reluctant to provide clear information, and instead give vague blocks of time as to when they will do their due diligence. " Within XXXX billing periods '' when this has been going on for XXXX  months is wholly inappropriate and unacceptable.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

The information currently reflecting on my personal credit from the " XXXX XXXX XXXX XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NH)

Monthly payments for {$3700.00} have been paid each month. For the last 12 months,  PHH has h ad consistent issues with listing an escrow on the account and it does NOT have escrow. Taxes and insurance are excluded in the monthly mortgage payment, paid separately by homeowner. As of  XXXX   XXXX ,  2017 ,  PHH h as issued a letter threatening foreclosure and has returned my las t two payments. PHH is now claiming four months are past due.
Consumer complaint received 2017-05-31
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: EQUIFAX, INC. (DC)

XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected  to (   XXXX   XXXX   XXXX   ). I  have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at leas t 18  times to no avail.  XXXX   XXXX   XXXX  shows on the report with the telephone  XXXX  and address of   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loa ns ans n ot student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not g et ANY i nfo from   XXXX   XXXX   XXXX   XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my report s ). The  credit bureaus were able to give me that information as well as date opene d in 2004. I w ould not have been  XXXX  i n 2004.  This account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reasons  ans the mo st obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.