davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (ID)

Companies involved : XXXX XXXX TD Bank XXXX XXXX XXXX XXXX I have been working with XXXX XXXX XXXX XXXX to have a shipment of products sent to my home. I was asked to wire {$18000.00} for a XXXX XXXX for US Customs. The shipping company provided me with the wiring  instructions. On XX/XX/2020 I asked my bank, XXXX XXXX, to do the wire transfer to an account at TD Bank. I received a Reference Number ( Item # 1 Wire Confirmation ). On XXXX, XXXX, XXXX, the shipping company sent me an email stating that their representative in the states was unable to receive the money because it was not authorized by my bank. They also asked me to call back my money into my account. I have contacted TD Bank and they would not talk to me without the beneficiary of the account. Since then I have been asking my bank to recall my funds from TD Bank with no success. I received several emails from the shipping company that they do not understand why my bank can not get my funds back into my account. I have numerous emails back and forth with the shipping company about our communications that funds should have been released, recall failure, etc. 
I have contacted my bank on the following dates to gather information and get my funds recalled : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LVNV FUNDING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I am filling this claim against my mortgage servicer. They have refused to provide ANY paperwork directly to me, they have been sending all correspondence related to my mortgage servicing to their lawyers office. I have written and spoken several times with them regarding this issue, to no avail. They continue to purposely neglect to send my legal correspondence to me to this date. 

Additionally, they have been manufacturing and applying late charges, home inspection, to my mortgage account on a monthly basis. They have been using the illegal tactic of " pyramiding '' late charges to the tune of {$9400.00} to this date and counting. They have also charged my mortgage account for XXXX of dollars on " home inspection fees ''. And they have charged my account for " legal fees '' paid to their legal counsel and applied those charges to my account, disguised as " late payments ''. 

They have also ruined my credit by posting this criminal entries with all 3 credit bureaus. 

There are numerous illegalities that this company has perpetrated against my person and my families well being. 

Please, look into this companies abhorrent and illegal collection practices.
Consumer complaint received 2020-07-26
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: EQUIFAX, INC. (VA)

I RECENTLY SENT LETTERS OVER 60 DAYS AGO TO THIS BUREAU AND THEY ARE DISREGARDING A REGULAR CONSUMER DISPUTES. I'M STRESSED AND HAVE BEEN SENDING LETTERS BEFORE THIS AND STILL NO RESPONSE.
Consumer complaint received 2020-10-22
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)

Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Consumer complaint received 2018-09-19
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. (NJ)

XXXX XXXX XXXX XXXX has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this XXXX XXXX XXXX and it has negatively effected my credit score i want this removed
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (PA)

Robo Calls are illegal. I have asked Diversified Consultants not to call any more. I will resolve the debt directly with the company the debt is for. Furthermore if someone calls me, I expect someone to be on the other end of the line.
Consumer complaint received 2017-08-11
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. (NY)

I have a Credit Card with XXXX XXXX XXXX. after nearly 2 years of on time payments i made a payment with a work account which they rejected. No big deal BEFORE the due date i made another payment and not only did they close my account they reported me late on the Credit Bureaus. The payment was made XX/XX/XXXX ironically i made the paymentXX/XX/XXXX and payment was not due until XX/XX/XXXX. You can never get anyone on the phone as my account has not been turned over to a " special deparment '' As i type this complaint i have been on hold for nearly 20 minutes trying to make a payment. Practices like this company go unchecked. They have committed an intentional crime not a mistake and i need help getting them to own " their '' mistake and correct my XXXX XXXX and Experian In conclusion i was just HUNG up on while waiting to make a payment.
Thank you
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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 2023-01-31
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. (CT)

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, XXXX, XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NV)

Received this packet with a XXXX XXXX enclosed and all I have to do is activate it. 
I did not order this and someone took my credit info to get this... I am mad. 
I work hard to maintain my good credit rating without having to deal with this " Phishing Mail " NETSPEND XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2018 I cancelled my account with XXXX with transaction XXXX. I received verbal confirmation of the refund of {$140.00} on XX/XX/2018 and email confirmation on XX/XX/2018 from XXXX. The non-authorized transaction went through XXXX and was withdrawn from my Wells Fargo checking account XXXX on XX/XX/XXXX. This payment was never authorized. My XXXX account and my Wells Fargo account is not currently even listed on XXXX as a payment method and has not been for at least a year. XXXX confirmed the transaction went through XXXX and should have posted to my XXXX account but XXXX does not even have the transaction listed, and as XXXX is claiming can not be disputed without a transaction number. Wells Fargo claims that since the Payment was posted they can not reverse the charge even though XXXX claims they gave me the refund the same day on XX/XX/XXXX. After speaking with all of the parties involved, this appears to me as obviously fraudulent activity by Wells Fargo.
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

This is regarding the Ulta Ultimate Redwards Credit Card, handled by Comenity XXXX XXXX. I paid my full balance off in XXXX on XX/XX/XXXX & the balance left on the account was {$150.00}. I owed {$0.00} after this payment. I noticed i received something in the mail in XXXX & it said i owed {$14.00}, which i could not understand why, yet i did pay this full payment on XX/XX/XXXX. After this payment of {$14.00} was made, it showed a {$0.00} statement balanced owed. I have screen shots of both of these payments reflecting i Paid in full. When i got more letters in the mail about a delinquent payment, I contacted Comenity. After speaking with a rep today, she could not tell me with full confidence why I even had to pay the {$14.00} balance, when I had previously paid my full balance of {$150.00} in XXXX, not using my card SINCE XXXX. She confirmed this is a {$0.00} annual fee credit card type & mentioned it seemed these payments were pulling from the original {$14.00} I paid in XXXX being " late, '' even though I am fully aware the late payments that are paid in full do not reflect on the end of the month statement. I reported this through XXXX XXXX but if the XXXX points that was unjustly removed from my credit score are not correctly added back to the account in a timely manner, I will have to get lawyers involved. Reporting this to this bureau to follow suite & I understand this is apart of the process I must follow, in the case that I must file a lawsuit. I will allow this agency to correct this mistake but if by XX/XX/XXXX this has not been corrected I will take full action against this corrupt crediting agency for falsely marking my credited payment as delinquent.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
XXXX XXXX
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (CA)

To whom it may concern, The consumer reporting agency continues to report a fraudulent and inaccurate account to my credit report!!! 
ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act Account # XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

1

5 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 

Please delete this account Immediately!!!!
Consumer complaint received 2022-01-08
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Commerce Home Mortgage, Inc (NJ)

I had a mortgage rate of 5.1 % with Change Mortgage ( Change Lending , LLC dba Change Home Mortgage ) for over a month. They purposefully delayed the loan closing to let my rate expire today ( XX/XX/2022 ) and then told me that my rate has expired and they will not extend and the only option I have is to accept a 5.75 % rate. 

We told them that this is wrong and they should honor the lock and they told us they dont care. When I told them we will complain to CFPB, they replied with " we have many lawyers '' and dont care. 

I had submitted all documentation in time and even paid for an extension last week because of their delays. They wanted to increase the rate and when silent and did not reply to my many emails and texts to get an update on closing. And today finally they gave me an ultimatum to take the higher rate or cancel the purchase. 

I know for a fact they had everything since they sent me the final closing disclosure after XXXX when time was up. 

This is very unethical and they did not honor the extension. They forced me into a higher rate. Per my broker they are 7 others folks they did this today over last week.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/XXXX - Charged by Target for a return payment fee ( {$28.00} ) XX/XX/XXXX - I called into Target Customer Service who said the payment was withdrawn from an old bank account. I let them know that the account it was withdrawn from had been closed almost a year and I had made subsequent payments on my Target credit card multiple times from the correct/active bank account. They could not tell me why the payment was drawn from my old bank account. The Supervisor I spoke with asked that I log into my account to delete the old bank account - when I logged in and told her it was already removed, she told me that they had removed it already for me. I asked how I could be refunded the return payment fee and she said that it could only be removed if it was a processing error on their end. They were not able to tell me why this didn't constitute as a processing error or why it had been withdrawn from an old account. Since they were not able to refund the return payment fee, I elected to cancel my credit card immediately.
Consumer complaint received 2018-09-19
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. (NY)

XXXX XXXX/XXXX reported an account on my credit which I never initiated. I contacted them directly and it appeared to be a scam as they were asking for personal details which they would have if in fact such account exsisted. I asked them to submit proof of what I signed or requested, they said they would provide it but never do and now they don't even take my call. 

I contacted the credit bureaus and asked them to investigate and remove this fraudulent item ... XXXX did investigate and remove the item, however Transunion refuses to investigate. I have called them 8 times to ask them to please investigate and they do not. This is item is fraudulent and should no be showing negatively on credit. 

please help
Consumer complaint received 2019-11-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (NY)

I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
XXXX XXXX
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I saw on my Experian credit report. An fraudulent inquiry. This inquiry was from XXXX/XXXX. XXXX /XXXX looked at my credit report with out my Permission or knowledge. Experian aloud them to do it. They did not call or block them at all. After I contacted XXXX credit card. They lied about it. I emailed them so I can prove that they did in fact looked at my credit report. I emailed them to find out how they got my information and why they looked at my credit report. In the email it stated they cant fine an account or Application. But there is a fraudulent inquiry from that company on my credit report in inquiries. Then I get an email from them. The email from a PDF says that they could not issue me credit or look at my credit report bc the information could not be verified they are now lying. So they did in fact looked at my credit report! Experian needs to take this inquiry off my report bc its a fraudulent inquiry
Consumer complaint received 2019-11-01
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. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 XXXX, XXXX XXXX   XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX, ( Original Creditor : XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Approximately 3 weeks ago I noticed a withdrawal and I believe it was 2 charges that did not belong to me or did I consent to them. So, the account was closed and a new card was issued that was also closed when I received it. In the interim I was told it would take approximately 5 business days to resolve the matter. There have been additional deposits made to the card and I have not been able to access any of the money on the card. BANK OF AMERICA also has engaged in false advertising claiming XXXX liability to the consumer for charges unauthorized, to the card. I have done everything required and still am forced to wait any help you may provide will assist me and many others to move forward