davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have filed police report on XXXX/XXXX/XXXX, case n. XXXX, I was called by TD bank Fraud department that my TD bank card was being use and they closed the account. I was asked to open a new account and I was able to dispute the charges from account # XXXX during this period I was still fighting with TD bank car loan service, I was asked to go to local branch to talk to someone about late payments or missing checks. I requested payment record from XX/XX/XXXX to XX/XX/XXXX, I was told by the bank that the only things will be provided is bank statement, not copy of checks. if I want copy to be included I must pay them each check. I did not agree on paying for my own record while they continue to miss credit my account. On XXXX/XXXX/XXXX, I did filed an other police report due to scammer. case # XXXX. TD-bank account number # XXXX This account is closed by TD-bank. Since I 'm not getting any where with TD-bank car loan department and both of my checking are now closed, I 'm demanding that DT-bank must provide me with every checks I wrote to pay for my car loan payment. I want pictures of front and back of each checks so I can compared with my External account see what the evidence will lead me to. I will not pay TD bank any fee for me to be able to have my personal bank records. Since I purchase this vehicle I received payment slips at the binning of XXXX since that time I never received total payments subtracted from the original balance, but they continue to claim that I have late payment. as you can see a copy of letter submitted yesterday with all checks from XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, still never subtracted. I want all checks record before I can hired a lawyer.
Consumer complaint received 2015-04-13
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

On XXXX/XXXXXX/XX/XXXX my credit card became compromised. I had to contact Bank of America to have the card shut down and get XXXX reissued. However, I had already begun making payments to the old card number in the amount of XXXX on XXXX/XXXX/XX/XX/XXXX and XXXX on XXXX/XXXX/XX/XX/XXXX I also had returned an item for XXXX that posted to the old card on XXXX/XXXX/XX/XX/XXXX. Bank of America took over 30 days to process the transfer from the old card to the new card. I was given multiple different answers by multiple different associates. I wasted hours of my time and was lied to by this company on multiple occasions. The issue was not straightened out until XXXX/XXXX/XX/XX/XXXX. During XXXX phone call, I was hung up on by XXXX of the representatives. They acted completely unprofessionally and handled my concerns and issue in an entirely unethical manner. Because of the way this situation was handled, I have opened another card with a different company and will not be doing business with Bank of America any longer.
Consumer complaint received 2022-02-15
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. (GA)

A notice was sent several times to XXXX, Experian, XXXX. I humbly requested XXXX, Experian, XXXX to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for XXXX, Experian, XXXX to act as an agent and correct misleading information. 

This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. 

Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

I understand XXXX, Experian, XXXX are not a bureaus nor is the agencies backed by any government agency. I am aware that XXXX, Experian, XXXX are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers.

Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, XXXX, Experian, XXXX must comply with my written instructions. I have given XXXX, Experian, XXXX written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. 

XXXX, Experian, XXXX has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! 

- XXXX XXXX / XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX  XXXX / Account # XXXX - XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX / Account XXXX XXXX - XXXX XXXX/ Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX  / Account # XXXX
Consumer complaint received 2016-09-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (TX)

I financed a mower over 24 mos@XXXX per month. After about 7 months they raised my monthly note to XXXX. I had put it on auto debit at my credit union for the XXXX, so when I received the monthly note from them, I just disregarded it since I knew it was being paid. I started getting late payment notices and fees around this time and called about them. They waived them twice, but never mentioned that I was n't paying the new minimum. I finally called when it was handed to their collection dept. and that was when I found out that my note had been raised. ( This was yesterday ) They said I had been notified and because they had already waived XXXX late fees, they could n't waive any more, so I am on the hook for $ XXXX+ of late fees. My frustration is that they have n't missed a single payment. The only thing they are out is " late '' fees for my not paying the new minimum payment since XX/XX/2016. I contracted for 24 payments of XXXX and I have held up my end of the contract. They are trying to extort hundreds of dollars of late fees for a trumped up increase of {$0.00} per month. I do n't want my credit rating damaged because of this, but it has been already. Unless you can help, I either pay up or face ruined credit for something I ca n't avoid. I do n't want something for nothing ; I just do n't want to get XXXX by a bank because they think they can. Thanks.
Consumer complaint received 2016-07-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: STERLING JEWELERS, INC. (IL)

I continue to get calls from XXXX with XXXX XXXX XXXX in California. He calls several times a day from different numbers XXXX and XXXX. I asked his coworker XXXX and XXXX not to call and now they are calling my place of employment speaking to different coworkers threatening wage garnishment when my payment arrangement was not sufficient. XXXX is leaving song tunes at end of messages and derogatory remarks on my home and cell phone.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (VA)

Me and my Fiancee opened up a joint account with Ally Bank to buy a home together after talking with XXXX. Upon funding the account with XXXX dollars, Ally bank rejected the transfer from my Fiancee 's  XXXX XXXX account for dubious reasons, I can explain details later. That's OK they reject the funds, but they NEVER returned the funds back to her XXXX XXXX account. 

This transaction happened on XX/XX/XXXX and we are no closer to receiving the funds as I am writing this on XXXX. It has been a full month. We have spent over 40 hours speaking with Ally bank trying to get the funds returned. The back office and Supervisor 's have been stalling, dismissive, and negligent in returning our funds in a timely manner. One supervisor told us she hasn't even seen something like this happen before. They themselves are confused with the transaction and haven't took initiative to return the funds. Every time we have called for a MONTH, the supervisors and the back office say it will take 2-3 business days, FOR A MONTH.

This has caused us great hardship during a time of this Pandemic. We've had to delay our home buying process. My Fiancee is freaking out that this substantial amount of money isn't being returned. She had to talk to a XXXX  after the incident and got prescribed medicine for XXXX  and XXXX XXXX for this. We no longer trust the banks.

This is through NO FAULT of our own and is 100 percent resting on  Ally banks negligence to return the funds immediately ( a month and counting ). We have confirmed with her XXXX XXXX account that this is 100 percent resting on Ally Banks end.

Ally Reference Number ( most recent one of MULTIPLE previous  reference numbers ) - XXXX Ally Back Office Reference Number - XXXX
Consumer complaint received 2017-02-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services (MD)

I have an installment loan with Lendmark Financial and I experienced several issues with the company drafting the payment from my account when they were supposed to. This resulted in my account being delinquent. I then got my account back on track and the same issue occurred again. Lendmark Financial filed a court case against me and placed a judgment on my credit report. I feel that I have been paying the loan and should not have a judgment while paying. The judgment amount is inaccurate as well. The judgment is {$12000.00} and my balance is {$8400.00}.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I noticed an unauthorized XXXX transaction to a XXXX of {$300.00} on my chase account. I called chase claims and reported the transaction, they asked me all the questions they are required to ask and said within 10 business days I would get a decision or temporary credit. On XX/XX/XXXX I received a letter that they were not going to refund my money and they couldnt do anything because the transaction was authorized through XXXX  and it was out of their jurisdiction. I tried to call chase to dispute because I did not send this money! Chase told me it was out of their hands and that I had to call XXXX claims and they gave me a number that didnt even work, nobody answered and I ended up speaking to nobody. I was left discouraged, sad, and frustrated because that was literally my last {$300.00} I needed that money desperately. I dont know any XXXX XXXX I dont have any XXXX in my phone book, and I dont have any conversations with an XXXX in my texts either. I have been receiving various scam texts and texts and calls from weird numbers that I do not answer ever since.
Consumer complaint received 2016-08-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (FL)

Many calls to my cell phone number XXXX XXXX XXXX from Professional Bureau of Collections of Maryland , Inc XXXX 
I do not owe anyone anything.
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (CA)

The debt was challenged through XXXX and the 1 month investigation revealed I did not owe it was taken off my credit report and 1 month later S.R.I. is back on my credit report and now is leaving bad info as an inquiry thus hurting my credit further as retaliatory effort for challenging the report. I should not have to deal with them once they were removed its unfair thay can come back on to the credit report. The dispute they all edge is 6 years old.
Consumer complaint received 2022-08-09
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: LEXISNEXIS (GA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-07-03
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: EQUIFAX, INC. (NY)

Re : XXXX account XXXX To Whom It May Concern : I continue to dispute the validity of this account. I request a copy of all information use to open the account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC (IL)

Preferred Credit Inc. reported false debt on my credit report. They have sent letters, emails, and called excessively. I contacted them and explained it was not my debt. They sent a copy of a contract that did not contain my signature. I informed them of the discrepancy with no corrective action taken on their behalf. When I disputed the false debt on my credit report, they provided the same false documentation to the credit agency. This resulted in the derogatory not being removed from my report. I have never and will never do business with this company.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

XXXX received letter from Chase regarding the need for an XXXX form to be returned to them XXXX signed and mailed XXXX form XXXX one of two Chase credit cards were declined Checked email and web and app and no indication of any issue. Multiple offers for opening new accounts and upgrading my card. 100 % on time payment history with no balance carry over for many years. Excellent credit rating XXXX Contacted customer service and advised both credit card accounts were closed and I would be notified by mail in 7 business days as to the reason why. No letter received. 

XXXX Transferred multiple times to finally reach someone who stated that Chase required an SSA-89 for my daughter who is an authorized user. I received no notification that this was needed and certainly no notification that my accounts would be closed. 

XXXX Went to Chase Bank Branch in XXXX XXXX, FL and provided my forms. Photocopies of my credit cards were also taken and faxed in on my behalf. 

XXXX Experian Credit report shows CHASE reported a debt settlement was filed against my account which is not true. It also shows that my credit line was closed by the credit grantor. This negatively affects my credit. 

Was informed on Thursday by phone that my accounts CAN be reinstated as soon as the SSA-89 is received. Contacted Chase Compliance Dept at XXXX and they confirmed the forms had been received but the accounts were closed due to bank policy but no additional details provided. 

XXXX 2 hrs on phone with compliance, credit customer service, lending, credit bureau depts. Accounts have been closed for the reason of bank policy and can not be reopened. 

XXXX called XXXX XXXX, FL Chase Bank Branch and spoke with XXXX XXXX who will file a complaint on my behalf XXXX received a call from Chase Complaints to discuss the case. No additional information offered as to the reason for account closures. Representative confirms forms are in receipt by Chase. Representative confirms 100 % payment history throughout entire life of both credit cards. Representative confirms mortgage with Chase is still in good standing and has no issues. Unable to provide any other information and acknowledges that closing the accounts without any notice or reason seems unusual but there is no recourse My credit is negatively affected and Chase is offering no assistance. Of note, Chase continues to offer me multiple credit card offers by email.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (PA)

Robinhood will not issue a full refund of my remaining balance of {$3000.00} by check as was stated by their support email notification. Also signed a Check request form. No response from Robinhood support. Dates no response for refund XX/XX/2024 to XX/XX/2024
Consumer complaint received 2022-09-06
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. (SC)

Old addresses are still on my credit report. I have not given written permission to publish and information on my credit report. These old addresses are causing my mail to be sent to incorrect addresses and I am receiving mail for other people for these addresses. They need to be removed from my credit file now. 
I have rights, I am a consumer and have not given written permission for this information to be published.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TX)

The following complaints were filed against Wells Fargo Auto XXXX on XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) for failing to allow modification and/or payment arrangements on the auto loan, illegal repossession and deceptive trade practices. 

More recently, Wells Fargo was sued and ordered to pay {$3.00} billion dollars as it wrongfully seized homes and cars. The CFPB declared, 'Wells Fargos 's rinse-repeat cycle of violating the law has harmed millions of American families. 

After failing to allow payment arrangements on my accounts and illegally repossessing my vehicle Wells Fargo caused significant damage to my credit and personal well-being as I was forced to file bankruptcy. 

Wells Fargo has not provided a settlement arrangement or payout as required under the terms of the class action lawsuit.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2021-02-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Hi, All the mayors credit reporting agencies still have one of my account on derogatory for over 7 years and they dont take it out. I am not able to build or get any type of personal credit.
Consumer complaint received 2015-07-10
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (WA)

The debt in question was from several years previous. XXXX There was no legal action at that time and no judgment etc. filed. Recently ARA Inc. contacted me by phone demanding that I pay that very old debt. The original amount of {$20000.00}. They advised me that they had contacted my bank and other creditors and determined I had the ability to pay. I told the representative that I did not like or were legally able to do so. I was told that it was determined that I was financially able to pay them. They were filing a petition to freeze or attach my assets. I advised them that the debt was very old and questioned about their ability to ignore the statute of limitations or other legal procedures provided by law. I also advised them that my income was fully XXXX compensation. I was ignored and threatened with further legal process and garnishment of my XXXX income. 

Today, XXXX/XXXX/2015, I received another call from ARA Inc. Again threatening me with legal garnishment proceedings. I asked for a copy of the original debt and again advised them that my income was from state and federal pensions. I asked that they provide the legal remedy they were claiming allowed them to garnish and collect my financial funds. They again advised me of legal action would be take. I told them that they were unable to secure my income. I was told that " they would get their money, one way or another. '' I was concerned of illegal and immoral actions to attach my income. As they have all my personal security information I was concerned of Identity Theft or other acts of harassment and possibly violence. Later this day I received, by mail, a demand for payment in full. If I disputed the debt, " this office will obtain a copy of a judgment and mail you a copy of such verification. " This blatant and obvious illegal process appears to be their standard collection practices. There will be more threats.
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (LA)

I had four synchrony credit accounts 1. QVC good standing no missed payments. Low balance 2. Care credit no balance 3. Jcpenney low balance, paid on time in good Standing 4. Synchrony HOME. Paid on time, in good standing. Original limit was for XXXX for a stove. Took the entire balance. Paid it off in good standing no missed payments. 
I received notice last year thry were lowering my credit on Care Credit from {$2000.00} to {$300.00}. 
Recieved notice thry were closing my HOME account as soon as it was paid in full ( XX/XX/year> ) I have never missed a payment on ANY revolving account in recent years. The fact that yhry choose to " occasionally run your credit '' a d choose to close accounts based on overall debt is unfair a d possibly predatory. How is it they will give you a card, maxed out day one that they approved. Thrn when you pay it off ( with the Interest ) thry close thr account. I could see if the account was late. It never was. This affected my credit terribly. In essence ruining everything I worked for in paying on time. Them closing my account lowered my debt to available credit. This should not ve allowed. If a card has an available balance, unless they have a legitimate reason to cancel as in late payments thry should not be able to close an account.