davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On Saturday, XX/XX/XXXX I made a deposit to my Corporate Chase Checking account for XXXX at a Chase branch in XXXX XXXX, Ca. The bank made {$5000.00} of the deposit available and put a hold on the remaining balance until XX/XX/XXXX. The teller told me that the hold could be released if the funds are available and the check is cleared by the other party 's bank. On Tuesday XX/XX/XXXX the check was cleared by XXXX XXXX XXXX, the other party 's bank. I called Chase bank manager and had her verify that the funds are available but Chase still would not release the hold on the funds deposited to my bank. I have had this checking account since XX/XX/XXXX with no NSF. There is no reason for Chase to hold on to my funds. If as a consumer I went over my bank balance Chase would charge me overdraft fee for using their funds but I am not given the same protection when it comes to banks holding to funds that are mine. This is illegal and unfair.
Consumer complaint received 2017-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have attempted on numerous occasions to request my annual credit from XXXX, Transunion and XXXX, respectively. Each request has been denied and I have been asked to submit a payment by mail. I wish to view my free credit report ONLINE. I have only used ONE name my entire life and I have only used ONE social security number my entire life. So I am concerned about the difficulty these companies appear to encounter when processing my request.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2020 I opened a checking and savings account that was offering {$500.00} bonus. the bonus offer was addressed to and mailed directly to me. i satisfied all of the requirements I still haven't received the bonus. The mailing had the following offer attached : " Earn Up to {$500.00} when you open checking, savings, or both. {$300.00} when you open a TD Beyond checking account and have {$2500.00} in direct deposits within 60 days. {$200.00} when you open a new TD personal savings account, deposit at least {$20000.00} in new money in the first 20 days and keep at least {$20000.00} balance for 90 days. ''
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-07-18
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. (PA)

On XX/XX/2021 Transuion was supposed to remove fraudulent accounts XXXX XXXX, XXXX XXXX XXXX XXXX  off my report as well as 6 Hard inquiries XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, Factual that are no obligation of mines 1692b. It is pass the 30 days need to review. Transuion has denied my access too my credit Report via online and over the phone. This is violating my consumer right 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691 I sent them a affidavit of Truth, Cease and Desist, Validation letter, and a invoice for 15 usc 1692k- civil liability ; for failure to comply with a provision of this subchapter.
Consumer complaint received 2021-03-29
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: TD BANK US HOLDING COMPANY (NJ)

I an a customer of TD Bank. On XX/XX/2021 XXXX I received a text message alert regarding potential fraufulent activity on my TD Bank Cash Credit Card . An order was placed on TARGET.COM. I replied within 1 minute ( XXXX ) that I didn't place the order and it was in fact fraudulent. I followed up with a phone call within a few seconds ( XXXX ) and was reassured that everything was OK, my Credit Card was closed and I was issued a new one. However, TD Bank did nothing to stop the transaction or cancel the order. Within the next few hours I received an email from Target thanking me for opening an account with them, ( which I never did ), and then, 5 hours later, thanking me for picking up the order at the Target store. Since I never shared my email with Target, never had an account with them, I suspect that TD Bank is responcible for the data breach. 
I opened a dispute case with TD Bank and followed up many times but my dispute was denied with the explanation that 'all the details match '. I asked to reopen the case, it was declined again and I wasn't even informed of the decision. 
What is the point of having a fraud detection & alert system if it fails to stop fraudulent transaction given 5 hours to do so?
Consumer complaint received 2020-06-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

FCRA - collection agency put this on my credit report without validation, no communication via email or letter correspondence. Need to verify debt. Not time this is almost past statue of limits for the state of Tx unlawful practices payday loan company
Consumer complaint received 2020-06-02
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. (NY)

I reported to XXXX XXXX that a credit card that I have had for more than 4 years is not being reported by Equifax. I spoke with XXXX XXXX and I was told that the cards is reported to all the three bureau. 
The card in question is a XXXX XXXX XXXX  master card ending in XXXX.
Consumer complaint received 2021-12-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX
Consumer complaint received 2020-09-12
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. (GA)

THERE ARE SOME FRAUDULENT ACCOUTNS LISTED ON MY CREDIT REPORT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (IL)

I was looking at my credit report on XXXX  XXXX and there is a new collection from afni that said the original creditor was XXXX XXXX. I tried to call XXXX XXXX  and they say they dont have a record of the debt. The last time I had XXXX XXXX as a tv provider was XXXX of 2018 and my account was canceled and paid in full to change providers. This is the first time I have heard of me owing money to XXXX XXXX The collection says its for {$120.00}.
Consumer complaint received 2023-01-31
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. CAPITAL ONE BANK USA ( Opened XX/XX/2011 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Consumer complaint received 2020-05-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

refer to CFPB Complaint ID : XXXX which Suntrust Mortgage failed to answer either portion of the initial complaint and gave FALSE information to CCFB in the response. The stated " NOTE TO SETTLEMENT AGENTS : If you request an expedited payoff statement, a fee is charged to you, not the mortgagor for each such request. Therefore, if you did not request the payoff statement to be faxed, the third party that requested them is responsible for the fee '' when in FACT they add the fee to my statements. I have two showing on my XX/XX/2020 statement even if they were refunded, they should not have been charged to my account with out my EXPLICIT approval. They also stated " we have no control over how the credit reporting agencies report data or what information they include on the credit report '' when if FACT the credit agency would not have the full account number if they did not provide it! so they do have control over it! 
They are charging a lot of people fees without proper authorization and this should STOP
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

In or around XX/XX/2020 I entered a 3 month forbearance plan with SPS mortgage servicing company. 
I intended to modify or refinance the high interest loan as soon as the forbearance period ended. 

As a standard most lenders require 3 consecutive on-time payments for a borrower to qualify for refinance products. The only time that SPS allowed me to make installment payments, they notified me later in the month of the month that they would accept payment, then prevented me from making a 3rd payment. 

SPS has drawn out this process ssing the guise of missing " Required Information '' SPS has systemically prevented me from making more than 2 consecutive payments for the past ( nearly ) 2 years to prevent me from refinancing or using any other exit strategies. 

Effectively preventing me from capitalizing on historically low interest rates as well as covid-era governmental mortgage assistance programs. 

In holding me XXXX they have effectively damaged my financial position by keeping me locked into what has evolved into what closely resembles an interest only loan while swindling a great deal of the equity out of my homestead. 

My mother 's mortgage is also serviced by this company and I've learned that she owes more money on her mortgage than she initially borrowed 24 years later. 

Leading me to believe there exists countless of other borrowers in the same position, with the same grievance against SPS. 

Thank you for taking the time to review this and I look forward to hearing from you soon
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX -- {$760.00} REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (WA)

XXXX XXXX XXXX filed XX/XX/XXXX. XXXX XXXX included. XXXX XXXX. 
XX/XX/XXXX XXXX  XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX issued. 
XXXX picked up by lender. 
Letter dated XX/XX/XXXX received claiming debt was written off XX/XX/XXXX and amount may be taxable. 
XX/XX/XXXX IRS form 1099-C received for {$65000.00}. 
XX/XX/XXXX called Santander and told them this was an old debt that had been discharged in XXXX XXXX  and gave them the case number. They said they would look into it and I was instructed to call them back in 2 days for their decision. 
Called back XX/XX/XXXX. Gave Santander the information again. They told me to email copies of the letters they had sent and they told me to call again in 5 days.
Consumer complaint received 2022-04-05
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. (NJ)

On XX/XX/2022 I submitted a dispute letter to both Transunion and XXXX. As of this date. XX/XX/2022 I have yet to receive a response. I have attempted to call both of these agencies but was told that the results of my request were mailed. Still nothing.
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I disputed that XXXX XXXX was first an inaccurate account. It was collection purchased from capital one that was taken off my record then recently put back on questionabley? After realizing it would take to long for me to clear them via dispute I called and made a settlement agreement to close the case and payed the amount via debt card. They now say I owe them another payment that is significantly effecting any chance of building better credit when an agreement was set. They reported to all three and tarnished my record. This is a complete violation of privacy and trust. I have proof that the account was paid in full and money was taken from account. I feel extorted from the phone calls to the lies to the more payments and now i dont know if my credit will ever reflect my honest payments. I have gotten nowhere and need immediate relief!
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

I was in a trial period for XXXX XXXX, XXXX XXXX and XXXX XXXX. I made XXXX payment of XXXX, they accepted it. I then called my XXXX payment in on XXXX XXXX, XXXX via my savings account to keep it separate from my daily spending money. I worked everyday including holidays from XXXX XXXX XXXX XXXX XXXX, XXXX. On the XXXX of XXXX I was reconciling paperwork and checked my bank. I found that freedom Mortgage had not taken my payment. I called Freedom Mortgage and they were closed. I called my bank to see what happened. The explained that my savings was a non-transaction account. I tried to call Freedom again, they do not even have a phone prompt for you to leave a message. So I transferred all the money over to my checking. First thing Monday morning ( XXXX XXXX XXXX ) I called Freedom to ask fix the situation. The girl I spoke with saw that their notes showed it was a non-transaction account but they had sent my account to be denied. Well my attorney, called and spoke to a representative on XXXX XXXX, XXXX and they agreed to continue my trial period because Freedom Mortgage never tried to contact me after knowing that the payment was trying to be drafted from a non-transaction account. About a week later I received a letter from Freedom stating that they were terminating the trial. If they had followed through with their promise to accept the payment as the XX/XX/XXXX payment I would have made the XX/XX/XXXX payment and been in my loan modification already. Instead I had to pay and addition {$2000.00} to my attorney 's to reapply and then in the middle of COVID-19 they decided to deny the loan modification request. With the denial, they drafted the letter on XX/XX/XXXX. My attorney spoke with them on XX/XX/XXXX and they stated they were waiting on the title report. Their post mark on the envelope is XX/XX/XXXX. I would assume that by then they would have been able to inform my attorney about the denial. On XX/XX/XXXX the USPS post mark was done. On XX/XX/XXXX I received the denial letter stating that I had until XX/XX/XXXX to appeal. They left 6 days out of 14 to appeal. My attorney called on XX/XX/XXXX, this is when he found out about the denial. Freedom never reached out to the attorney, and did not have the information " in the system '' when my attorney called. They held the letter for 3 days before it left them. I feel they deliberately held this information back so I did not have time to respond.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I applied for a credit card company named DISCOVER CARD FOR STUDENTS WITH LITTLE TO NO HISTORY OF CREDIT. application number XXXX spoke to someone named XXXX who was helpful but i was still upset from the lies of the employees as of XX/XX/2021. I spoke to 2 people which one was a manager who were so rude and inaccurately getting my credit report information and DECLINING MY APPLICATION FOR NO REASON BECAUSE I DON'T HAVE NO DEGRATORY MARKS. AS I STATED AND AS ON MY XXXX XXXX ACCOUNT. WHICH SHOWS XXXX $ FOR EVERY STATUS. I HAVE NO CREDIT HISTORY AND FOR THIS COMPANY TO SHOW LACK OF CONCERN FOR CUSTOMERS IS VERY RIDICULOUS. AND STATING THEY DON'T RECONSIDER A PERSON APPLICATION IS VERY DISTURBING BECAUSE THAT IS THE WHOLE POINT OF RECONSIDERING A PERSON APPLICATION NOT DISCRIMINATING AGAINST THEM FOR NO REASON