davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX, 2022, I noticed my TD bank debit card was not in my wallet. I logged into online banking to lock the card and noticed a XXXX balance when the balance should have been over $ XXXX. It appears someone used my card with PIN at ATM machines every day until my account was drained. I have had this account for years and never had a history of using the ATM let alone daily to take cash. I am dumbfounded that the bank 's system did not notice daily ATM withdrawals. Furthermore, the thief appeared to be checking the balance causing a {$3.00} fee each time. How does TD banks fraud system not notice this activity and allow a customer 's account to be emptied? I am hearing impaired and while using Relay to talk to the first TD agent I was treated rudely and as if I was stupid. I was then passed onto the Fraud department and was treated very rudely. I am not a thief and I do not like the bank that I have been a customer at for years to treat me as such. I live between XXXX  and XXXX. I explained I have no problem getting a police report if XXXX  can do one over the phone as I am at my home in XXXX  at this time. The fraud department did not even say goodbye or give me any type of reference/case number she just hung up on the relay operator. Very unprofessional and if a proper investigation is not completed I will seek any and all actions necessary to have my funds recovered.
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BBVA FINANCIAL CORPORATION (CA)

After failing to have a fraudulent account removed from the credit bureaus reported by BBVA USA, I contacted CFPB to file a dispute. Upon filing the orginal dispute with CFPB, immediately I was contacted by BBVA USA Fraud Investigator, XXXX XXXX, in regards to my complaint. XXXX alleged BBVA USA would remove the fraudulent account from the credit bureaus upon receipt of a completed Fraud Affidavit being emailed to her. I followed the steps and completed the document within the 15 day deadline. I submitted the document approximately XX/XX/2021. It took approximately 8 days for XXXX to respond to my email and phone calls confirming receipt, she responded XX/XX/2021. At that time I was told I needed to submit a copy of my driver 's license and a police report if one had been filed. I immediately sent a photocopy of my driver 's license and advised that I had not filed a police report for this particular incident on XX/XX/2021. 
XX/XX/2021 XXXX XXXX submitted a false statement to CFPB alleging that I failed to comply and submit the requested documents to submit a fraud claim. It was also asserted that I was not providing accurate statements in regards to multiple failed attempts to resolve this issue with BBVA USA previous to filing a complaint with CFPB. 
I believe BBVA USA is operating unethically as a business. I believe BBVA USA intentionally failed to respond to my phone calls regarding this matter until CFPB was involved. I believe BBVA USA intentionally failed to acknowledge receipt of my completed Fraud Affidavit and driver 's license submitted by XX/XX/2021 and made false statements on XX/XX/2021 stating that the otems had not been received. Please see attached emails to XXXX  XXXX in Fraud Department. I further believe BBVA USA is attempting to wrongfully collect a debt from me that I am not responsible for.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Act XXXX XXXX, XXXX REF : XXXX : XXXX have 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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. " ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (CO)

I received a letter in the mail from American Express attempting to get me to get their credit card. They acknowledge in the letter that I have outstanding debt with them. As part of the debt agreement, I was required to sign a statement that I would not ever apply for an American Express card again. I did not ask for this and consider this entrapment and harassment on their part.
Consumer complaint received 2021-05-04
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. (PA)

I have received a copy of my credit report and it shows 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 {$62.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Ive tried on several occasions to close my Wells Fargo checking account but was unsuccessful. The company continued to charge me NSF charges. I tried to work with the bank to clear up theses fees and the refused to offer solutions. Instead the overdraft fees continued to rise until the bank closed the account and sold account to collections. I was told on several occasions I would need to speak with executive offices at the bank for assistance. They even tried on several occasions to transfer me to the department for resolution. Instead I was told they were too busy and would get a follow up call. I was told onXX/XX/XXXX someone would reach out to me. I have yet to hear anything being almost 7 days. Except for the account to be sold to a third party collections.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

On behalf of XXXX XXXX XXXX, XXXX ( XXXX ), the Office of the Consumer Ombudsman would like to thank you for your correspondence received from the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, 2016. Specifically, this letter is in response to your concerns regarding the credit reporting for the above-referenced account. The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. 

XXXX submitted corrections to the credit reporting agencies to reflect the account paid in full. A copy of the Automated Universal Data ( AUD ) form submitted to the credit reporting agencies is enclosed for your reference. 

You may use this letter for verification, should you need to provide a potential credit grantor with proof that this correction is in process. Please allow three to five business days for the corrections to appear on your file. After that time, you may wish to confirm the corrections have been made by directly contacting the credit reporting agencies as follows : XXXX XXXX Experian 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 WHAT HAPPENED
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (VA)

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 2021-04-29
Product: Checking or savings account — 
Issue: Incorrect information on your report — Personal information incorrect
Company: Sunset Management, Inc (GA)

I notice on my XXXX XXXX account in the previously 3 years there are 4 hard inquiries I did not do on my account I need them to be disputed off my account and investigated as soon as possible Im literally not able to have credit score and it has me stumble across buying things.
Consumer complaint received 2024-03-18
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: GOLDMAN SACHS BANK USA (NJ)

After careful review of my consumer report, I still noticed that you furnished inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to opt-out of reporting these accounts on my credit file pursuant 16 CFR313 and The Privacy Act of 1974. Im opting out all information thats not accurate and pursuant 15 USC 6802, 15 USC 6803, 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust XXXX XXXX Legacy Preservation Trust ''. Therefore, any negative accounts listed on my consumer report is inaccurate and erroneous and must be DELETED from my credit file. My consumer report should be free and clear of any negative and false items. -Please See Attached
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc. (NY)

In 2013 XXXX try to over charge me for XXXX tickets. I sign up for a 7 month membership program for {$350.00}. But after the 7 month XXXX was still trying to take money out of my XXXX account. I had to get XXXX to block them. And I had to get a reversal on XXXX payments because they tried to over charge me. In 2013 they had Arrgon XXXX Collection contact me about this matter by phone and I explian to them that I paid for the tickets in full already and XXXX try to take extra money. And I also told them I could not get in touch with anyone from the XXXX membership department to resolve this issue they kept giving me the run around. Arrgon said that I have to contact XXXX to resolved this issue and that we are only a collection agency. When I told Arrgon the credit collection agency that I can not get in touch with anyone from XXXX membership department they told me that is the only way it can be resolved. I had not hear back from Arrgon from over a year all of the sudden out of the blue no phone called to me warning me they are going to put this debt on my credit report in the next 30 days if this is not resolved they just put it on my credit report. Now I have to do a dispute with experian a credit reporting agency for a debt I already paid. I sent proof over to XXXX and Arrgon. And I also complain to Arrgon that no one called my on my phone to warn me about this debt. I find this to be illegal. I email proof to Arrgon and they never email me back proof of how did they get this debt from XXXX on my credit report. A payment history or reciept. This is very offense to me and my business when I am in the middle of getting funding for my business now I have to wait, this could be damaging to my business not getting funding on time. No one will give you funding if you ca n't pay {$230.00} back. That is the amount Arrgon reported on my credit report. Arrgon should make sure when they collecting debt it is a official debt and also call they person on the phone and warn them they are going to put it on their credit report in the next 30 days if we can not resolve it. I attached proof. XXXX receipt and XXXX payment history. I can not believe Arrgon put a debt on my report I do not owe and gave me no warning by phone or email me proof of debt.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

Chase closed my checking account without notification ahead on XX/XX/2023, withold all my money around XXXX dollars. Chase hasnt return all my money. I went to branch every two weeks and the bankers ghoost and don't let me in sometimes. And Chase banker start to ignore my email recently.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (CA)

I confirmed with XXXX XXXX that the bank account that netcredit wired to fund to does not actually belong to me, though in my name with wrong personal info. Therefore I never initiated any valid borrowing activity with netcredit. The debt collection from netcredit is not valid. I am victim of credit fraud.
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (LA)

They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! LVNV FUNDING LLC ( put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that LVNV FUNDING LLC ( verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If LVNV FUNDING LLC ( is unable to provide the above identifying account information, this account must be deleted from all CRAs. LVNV FUNDING LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/24 there was 3 different invoices made for {$890.00} each. I reported the transactions as fraud and I requested information about the transactions. I was promised a follow up regarding the unauthorized transactions and PayPal never responded. On XX/XX/24 I received a phone call about 2 attempts for unathorized transactionsfor {$300.00} and {$85.00}. I stated that those transactions are unathorized and PayPal promised to provide information about the transactions. I later see those charges were made on my bank account that I have linked to Paypal. I made multiple attempts through chat to get information regarding the unathorized transactions and the PayPal chat reps gave me the runaround. Different chat reps ignored my questions and concerns. I also have had a couple of chat reps abandon the chat after I point out that their responses don't answer my questions. When I filed a report thought the email system I received an email that ignored my questions and concerns.I
Consumer complaint received 2022-02-03
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. (FL)

I tried to fix this issue but experian keep covering the same issue this is a fraudulent issue last year XXXX XXXX  servicing took late fees and one month payments they claimed owe and I pay them to stop the harassment but I made it clear they had to provide the late fees documents. they never did up to now they haven't I noticed that experian is going along with this fraud by not getting proof of it I made a complaint against XXXX XXXX XXXX and the kind of fixed the problem but not XXXX XXXX servicing they robbed me more than {$3000.00} dollars in lies but no fixed yet and not only this is but XXXX XXXX servicing stated thai was late for some many months with no proof and I can't get a new morgage company or refinance because this fraudulent lies that experian keeps smearing lies about late mounts I made a complaint not log ago for the same issue but they sending me a letter today that they resulted the problem but tge haven't yet
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Since becoming the victim of identity theft ( XX/XX/2016 ), I have had numerous fraudulent accounts opened in my name. I then dispute them with the credit reporting agencies. XXXX and XXXX have been pretty good about deleting the fraudulent accounts and/or collections but Experian will not help me, even after repeated ( and extremely long ) phone calls.
Consumer complaint received 2021-04-21
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. (CA)

I sent a request for method of verification, including the completeness accuracy and appropriateness on XX/XX/2021 to Experian for an investigation they completed on XX/XX/XXXX. To date I have not received a response to this request required by law and therefore I question how they claim to have verified this error.
Consumer complaint received 2022-07-20
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. (TX)

I contacted XXXX, Equifax, XXXX in regards to unauthorized, inaccurate, and unverifiable information, inquiries and accounts on my report. They refused to assist me in the accurate investigation of these cases when I filed disputes with them, some they wouldn't help me dispute at all. In accordance with the fair credit Reporting Act XXXX, Equifax, and XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C, Accounts : XXXX XXXX XXXX Texas, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX. also several inquiries from XXXX XXXXXXXX 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 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, XXXXXXXX XXXX  all dating from XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (KY)

On XX/XX/2016 I got on XXXX airlines web sight to purchase a ticket. They had an offer with american express that if you applied and got approved for a credit card, you would receive XXXX dividend mile after you made a {$1000.00} in purchases and a {$50.00} credit after you made a purchase with XXXX. I applied and was approved right a way. They Emailed me my credit card account number. When I tried to purchase my ticket, ( minutes later ) the application wanted my XXXX digit pin number on the back of the card, I did n't have one. I called american express and told them and they said that I will have to wait until I get the card and that they did n't have it either. I bought the {$790.00} airline ticket with another credit card that day, because I did n't know how long it would take to get the card. I received my american express credit card statement today and I did n't see the {$50.00} credit on it. I called Amercian express and complainted about trying to make a puchase and could n't because I could n't get the pin Number and that I I had until XX/XX/XXXX to make a purchase through XXXX before the offer expired.. My complaint is I tried to make a purchase with Delta through their promotion american express credit card and could n't because they would n't give me the XXXX digit pin number to complete the transaction. I tried to get american express to extend that offer for another 3 month but they would n't. I do n't plan purchasing another airline ticket until XX/XX/XXXX at the earliest.