davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I opened an account with TD Bank. I was using a promotion where TD Bank promised to deposit {$300.00} into my account after I deposited {$2500.00} or more in Direct Deposits within 60 days. 

I met this requirement by XX/XX/XXXX. It has been more than 6 months since I met this requirment and I have still not received the promised funds. According to the promotion terms TD bank would deposit the funds within 140 days of me opening the account. That date was on XX/XX/XXXX. 

I have called TD Bank three times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each times I was told to wait a little longer and that the funds would be deposited within the month. Each time I was promised that I would be called by a representative of the promotions department and I was never contacted. 

I most recently sent a message through the bank 's internal communication system on XX/XX/XXXX and received a response on XX/XX/XXXX stating that the code I used for the promotion was invalid because it was only for targeted households or individuals. This information is at odds with the terms on the signup page that I used when I enrolled in the promotion and opened the checking account. The terms did not state that the promotion was only for targeted households. I also think it is improper that I am only being told now that I am ineligible for the promotion and I was not told this when I previously called. 

I have attached proof of my communication with the bank as well as screenshots of the offer, offer terms, and enrollment page.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to FCRA section 605b, credit reporting agencies are required to remove or block any accounts that are identified on an identity theft report. I've added a few files to help prevent inaccurate information from being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$3400.00}
Consumer complaint received 2021-10-18
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. (IN)

I have sent letters to each XXXX, Experian, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: American First Finance, Inc. (PA)

I bought furniture and financed through American first finance XX/XX/XXXX. They told me the interest would be capped to abide by military standards. The interest is over 100 % and they are denying the service member civil relief act to cap at 6 % and give us the difference back. We live in a key provision state, PA so should be eligible for this even if the dance was began while XXXX XXXX. I have been XXXX XXXX since XX/XX/XXXX. Even without that, the military lending act caps at 36 %. They do not answer emails and continue to send documents to the previous address despite my efforts to have them update it. When asked my interest percentage rate they will not answer. Only say that {$11.00} of per diem is being added each day. We have to get this taken care of. I have paid THOUSANDS of dollars for this furniture and want to resolve this. Please help.
Consumer complaint received 2021-12-03
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. (CA)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2019-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2019 XXXX XXXX XXXX XXXX made two inquiries on my Transunion report. I called them to report the two inquiries however, they told me that they only made one inquiry.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 0. I have proof of Negligence as well as Non-compliance. 
Account name : XXXX XXXXXXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX has deleted this account, Transunion XXXX XXXX need to please follow suit.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed this problem on 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
Consumer complaint received 2021-05-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (ME)

After I reached out for the 2nd time in less than 30 days to TD, ( the 1st email was ignored by XXXX XXXX ), I was told in response to the 2nd email, that TD needs an address verification on my property for my loan modification. Then claimed they tried to contact me by phone but my phone records/bills show that they never called or left a message. They also could have emailed or mailed a letter to let me know that an address verification was holding up the process but they never did. I spent an hour plus on the phone with TD on XX/XX/21 and was transferred three times because no one knew what an address verification was. 
I still have no idea if this condition has been cleared or if TD needs anything else to complete the loan modification that has been taking months with seemingly no end in sight.
Consumer complaint received 2019-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed all non account holding inquiries with TransUnion. They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. TransUnion violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine
Consumer complaint received 2019-08-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (CA)

i have tried numerous times to tell them that i was a victim of identity theft and they still arent removing the collection my spouse passed away and my finances are not doing great im needing to move homes but due to that collection they are denying my application if you can please help me out thank you, my contact number is XXXX and email is XXXX the collection account im talking about is XXXX XXXX no knowledge of it
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

About 3 weeks ago, my checking account was hacked 2x through XXXX for {$2000.00} each to the same XXXX XXXX account. One went through one was caught. I went in and closed my accounts, opened new ones, changed my user name, new hard PW, and quite XXXX, deleted it, etc. On XX/XX/18, XXXX again got into the new acct for {$2000.00} for XXXX XXXX ( I do not know such a person nor did I authorize it ) and when I called fraud unit back to verify it ( thats when they told me who - I asked if XXXX XXXX XXXX XXXX XXXX said yes ) then XXXX said they had to hold my accounts - I said what does that mean? He froze them from me - a fair amount of money was frozen from me - as well as credit cards, access to all my accounts was blocked. I could not pay me bills, buy medicine, or food or anything. We have been fighting since and I have been told the hold is for my own good. I asked where is your court order to HOLD MY Money - and how is my not eating or getting my meds my own good? No access at all. They have in affect stolen my money = and they deny me access to cc so how can I pay them - auto payments are denied and I can not view them nor pay them and are they of course are charging fees for this - their punishment to me for their allowing my account to be hacked. What gives Chase the right to keep my money when it is mine and I need it?
Consumer complaint received 2018-02-27
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: Experian Information Solutions Inc. (LA)

I was an authorized user on my grandparents checking account-only for emergencies. In either XX/XX/XXXX or XX/XX/XXXX, the account was closed. I was not aware of the accounts status because another family member began overseeing the account. Hence the fact that I had not been active with the account, I forgot that I was actually authorized for emergency use. Four years later, the charge-off appears on my credit report. I am not responsible for any charges remaining on this account.
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VT)

I went into COVID forbearance on my account due to financial hardship, which ended XX/XX/XXXX. On XX/XX/XXXX, I applied for Vermont 's Homeowner Assistance Program ( VHAP ) which is Vermont 's XXXX funded Homeowner Assistance Fund ( HAF ) program. I was approved as eligible, however, it took months for Mr. Cooper to onboard into the program. Once Mr. Cooper was onboarded, VHAP sent Mr. Cooper an I-Record via XXXX on XX/XX/XXXX requesting that Mr. Cooper verify the account information by sending a V-Record. It is now nearly a month later, and Mr. Cooper has failed to submit the V-Record which is the last step in the process to approve me for VHAP assistance of {$30000.00}. Because I have been waiting so long for Mr. Cooper to be onboarded and for them to cooperate with the process by sending the V-Record , my delinquency is now above the {$30000.00} program cap. I am able to pay the difference via certified funds, but I can not reinstate unless and until Mr. Cooper submits the V-Record for my account to VHAP so that they can disburse the {$30000.00} in XXXX funds.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/2018, I deposited {$14000.00} into a Citi checking account and {$100.00} into a savings account as part of a promotional offer to earn a bonus of {$400.00} for maintaining a combined balance of {$15000.00} for 60 days. I maintained this balance until XX/XX/2018, and exceeded the 60 day requirement. However, on XX/XX/2018, XXXX incorrectly charged me a $ XXXX  monthly maintenance fee for an insufficient balance. This fee was reversed on XX/XX/2018. Citi claims that I did not earn the bonus because this erroneous {$25.00} fee dropped by balance below {$15000.00} before the 60 day requirement.
Consumer complaint received 2021-05-06
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InterLinc Mortgage Services, LLC (TX)

My name is XXXX XXXX and I have been working on purchasing a home with Interlink Mortgage. I agreed to have my credit pulled XX/XX/XXXX and one more time XX/XX/XXXX. I was highly upset when I say they have been pulling my credit monthly since the process. I was never told or asked about obtaining a new credit report every month and now due to the number of inquires it's having a huge impact on my scores. I am XXXX and they had no right or authorization to request my credit every single month without permission.
Consumer complaint received 2021-05-06
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. (NC)

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : 11 XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-02-27
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. (CO)

I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (NJ)

I HAVE HAD A CHNACE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2018-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AL)

I recently submitted a complaint number XXXX and medical data system did not validate the debt it clearly stated in the complaint '' I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification '' and they sent a bill which is not debt validation and they did not provide a contract i have with their company. ( letter they provided from the above complaint ). The letter do not have medical data system listed any where which mean i am not in contract with them. It is laws in place to protect the consumer against fraudulent companies like medical data systems and I filed a ucc11 and I have no liens placed against my name from them. They is unlawful trying to collect from me. They also stated they sent letter and I had 30 days to respond if that is so then provide the tracking number for the letter sent to me. I do not owe this company and I hope the CFPB and they FTC fine them for not providing validation.They stated they do not own the account and they do not own the debt well they are committing fraud because they should not hold my name. ssn. address in thier database and they are a lie because it clearly says they attempted to collect a debt and you can not say that if the debt don't belong to you. What did medical data loan me of value? nothing, and they need to delete this inaccurate information off my credit report
Consumer complaint received 2021-05-06
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: ERC (NC)

I have reviewed a copy of my credit report and I show company ERC ( Original Creditor : 11 XXXX XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

The Payment of {$500.00} was sent directly from my bank checking account on line to Barclays Wyndham Visa credit card on XXXX to receipt on XXXXwhich their bank XXXX XXXX cashed. Barclays 's is denying receipt of such payment. Now after several months of calls and sending proof of the payment by fax and regular mail, they are still charging me the same {$500.00} and now they have including penalty fees and are threatening my credit. I'm worried they are trying to damaged my. credit and they are robbing. Please help me. I have tried and tried to solve this impossible stressful issue.