davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank - I made a deposit in the amount of XXXX on XXXX/XXXX/15 - my account balance, prior to the deposit was {$1300.00}. According to my previous conversations with customer service reps, deposits are credited to the account before debits are made. On XXXX/XXXX/15, XXXX checks were debited from the account in the amount of {$1800.00} and {$500.00}, I had a bill payment in the amount of {$360.00}, and various debit charges totaling {$180.00}. According to my account view, at the time of the withdrawals from my account, the account balance was {$3100.00}. However, I was still charged {$170.00} in overdraft fees. Upon calling to complain, I was told that only {$100.00} from my deposit was actually made available on XXXX/XXXX/15, therefore the funds were not actually available in the account to cover the amounts in the checks posted on XXXX/XXXX/15 thus overdrawing my account for the {$57.00} I spent over the weekend on my debit card. {$170.00}, for {$57.00} spent, when the deposit for {$1800.00} was made into the account. If you look at my bank account, there is no negative balance - because the full deposit shows despite the claim that the full amount was not actually credited to my account. I am sick of the criminal nature of the reordering of funds and the blatant disregard of the customers of TD Bank.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My ex-husband applied for a loan modification with Bank of America ( BofA ), while we were in divorce proceedings but still legally married, with the hired assistance of XXXX XXXX and XXXX XXXX of the now-defunct XXXX company in XXXX XXXX. XXXX and/or XXXX forged my financial information and my signature on the BofA loan modification application WITHOUT my knowledge or consent. Along with the application, a court transcript of a divorce settlement was provided to BofA by XXXX XXXX ( ex-husband ) and/or XXXX representatives who represented to BofA that it was a final divorce judgment, which it WAS NOT. BofA accepted this court transcript as a divorce judgment despite there being no official court filing stamp or documentation to substantiate the paperwork. BofA approved the loan modification based on this falsified information and permitted ONLY XXXX XXXX to sign the loan documents even though my name was on the previous mortgage as well as the new loan modification mortgage. I learned about the loan modification after it was approved. I contacted BofA on several occasions to ask how they could only allow XXXX XXXX 's signature when we were not divorced and since my name was on the loan. They claimed that they " thought '' they had a divorce judgment ( decree ) in their possession, even though the requisite court filing stamps, etc. were not on any of the divorce settlement documentation they had received. Bank of America was made fully aware after XXXX XXXX secured the loan modification that it was obtained with falsified and erroneous information, and submitted under penalty of perjury. 
Bank of America 's policy of only permitting one signatory on any loan that is held by TWO individuals is a violation of law. Bank of America 's Loan Modification website clearly states, " All borrowers on your loan agree to participate. '' Bank of America failed to adhere to its own policies. The forgery component is clearly against the law, and BofA 's knowledge of this and unwillingness to take corrective action is reprehensible. It begs the question, 'If BofA believed that we were divorced, and that XXXX XXXX was receiving this [ XXXX XXXX XXXX, XXXX , CA ] property in the settlement as stated in the XX/XX/XXXX court transcript, then why did n't BofA redraft the loan modification documents to reflect XXXX XXXX " ownership? ''
Consumer complaint received 2024-02-12
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. (CO)

Improper credit reporting can have serious consequences for consumers, affecting their ability to secure loans, mortgages, and even job opportunities. Ive discovered inaccurate entries on my credit report, it's crucial to take action. I recently looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

XXXX XXXX Account number XXXX XXXX  Account number XXXX Also, according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (IL)

I have tried on several occasions to get my issue resolved and to no avail. A lady name XXXX who said she was a XXXX XXXX XXXX  on the behalf of Way 2 Go, call me from a XXXX on XX/XX/22 stating that she will like to speak with me regarding my complaint. I have left several voice messages for XXXX or any other XXXX XXXX XXXX to call me back, but have yet to hear from anyone. All I want is for Way2Go is to reverse all of the unauthorized charges that were made to my account and have this issue behind me. Not having my money returned to me has caused me to fall behind on my bills, not having enough money for food and other necessities, stress, and lack of sleep. No one should have to go through all of the challenges I am going through with trying to get their hard-earned money returned to them. This is not right. This is not legal. 
I look forward to your prompt response to this matter. Thank you.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NY)

I have a citibank credit card. On my XX/XX/XXXX billing statement, I made a payment of {$1600.00} on XX/XX/XXXX for a balance of {$2600.00}. The remaining balance was {$1000.00}. The payment due date for this statement was XX/XX/XXXX. I realized that the remaining balance was still not paid and paid the remaining balance on XX/XX/XXXX. My billing statement for the next month reflected both payments and an interest charge of {$20.00}, and no carried balance. The balance was paid in full by the time the billing statement arrived. I paid the full balance of new purchases this billing statement, and the {$20.00} interest fee and carried no balance. On the next month 's billing statement, I received an additional {$14.00}. The bank claims this was residual interest, but I did not carry a balance, and the only balance I did carry was {$1000.00} from XX/XX/XXXX and the date I made a payment on XXXX.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX 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 2021-01-19
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. (TX)

I disputed XXXX XXXX  account and was removed from my credit report due inaccuracies. Equifax put the account back on my credit report.
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (CA)

I received notice today by  XXXX   XXXX , that a company called  Stellar Recovery  reported a debt of {$68.00} to both  XXXX  and  XXXX . I have not received any communication from Stellar Recovery about a debt, and, had on  XXXX   XXXX , sent  XXXX  a proof of equipment return in response to a notice from them that I owed them for equipment not returned. I have proof of a receipt from their store with the serial numbers of my equipment confirming it was in fact, returned.     This is not a debt I owed to  XXXX , and it is fraudulent for them to sell this to a collector and even more fraudulent for them to report it to a credit agency without contacting me or verifying the validity of said " fraud ''.
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NY)

I was contacted via phone - the person claimed to be a Citibank representative and said that they called me to lower the interest rate on my credit card. They asked about my phone number, type of my Credit Card, my CC number and the expiry datye of the CC. They asked me to confirm the last XXXX digits of my SS number. I suspect this might have been a scam and the info they obtained could be used to purchase goods. I would like to ask for verification.
Consumer complaint received 2015-10-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

I had an auto loan with XXXX that has been paid in full per a letter I received from them ( the car was traded in ) however they are reporting my account as delinquent to the credit bureaus with a balance of {$0.00}
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2021 transunion read my identity theft dispute letter and witnessed my police report. They ignored the laws of the FCRA 605B and 604 which is against the law. This company still reports this fraudulent account in my credit report even after showing them proof and informing them that this is legal to report fraudulent information on my report. The fraudulent account is XXXX XXXX XXXX Please remove this account
Consumer complaint received 2015-12-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (IL)

AMEX XXXX XXXX XXXX XXXX TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.AMEX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY BOTH ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to report an unauthorized credit card account listed on my Equifax credit report. The accounts XXXX XXXX  account number and XXXX XXXX  account do not belong to me, and I have not applied for or authorized these two accounts. 

I am currently under mortgage underwriting, and it will affect my escrow close, or, even worse, I could lose my earnest money deposit.

I have already attempted to dispute this with Equifax without success. I request your assistance in resolving this matter promptly to ensure the accuracy of my credit report and protect my financial well-being. 

Thank you for your attention to this urgent issue.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX 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 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery Associates, L.L.C. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for Portfolio Recovery Associates, L.L.C. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Portfolio Recovery Associates , L.L.C., has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Consumer complaint received 2016-03-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: 1st Franklin Financial Corporation (GA)

First Franklin in XXXX, GA obtained my banking information to process payments " ONLY WHEN APPROVED ''. However, they are consistently and randomly withdrawing unauthorized payments from my account. It started with my XXXX XXXX XXXX account, I had to end up blocking their business name from having the ability to use electronic debits. So they then slightly changed the name used to make electronic debts, and started withdrawing unauthorized amounts of money again. I then had to change my entire banking account information just to stop them. 

Then, XXXX the store manager pops up at my house to make " payment arrangements ''. I have spoken to XXXX, XXXX, and XXXX NUMEROUS times about my account. They PROMISED me that they would ONLY withdraw funds from my account, IF I authorized the payments. After dealing with them for quite some time now, I know and understand their scandalous practices, so I began recording EVERY call between myself and ANY representative from the XXXX office. 

Despite their promise to me to only withdraw AUTHORIZED transactions, they continue to withdraw monies from my account at their discretion, which are NOT AUTHORIZED. I have absolutely had enough of going back and forth, around and around with this company. I am reporting this matter to any and everyone who has any authority to stop them from STEALING money out of my account.
Consumer complaint received 2016-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

There is a company that bought a bad debt of mine from the past. I already paid the price of it hindering my credit the first time when it was with the original creditor why are these companies allowed to continue to buy it and place it over & over on our credit. If we as citizens have a bad time in our lives and are trying to repair and move forward why are these types of things permitted??
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (TX)

I contacted Freedom Debt Relief, via chat on XX/XX/2020, to change the debit date on my account. This was not followed through with and my bank account was debited 2 times for {$240.00}. When I contacted them to correct error, they stated it could take 4 to 7 days to fix error. Provided them with copy of bank account and bank email transaction regarding debits to my bank. Requested copy of chats with XXXX on original request and the statement that he had taken care of it. They stated they would not provide copy of chat due to it being an internal communicaition. Contacted company again on XX/XX/2020 regarding issue and was basically told they would not fix it for 4 to 7 days or I could provide copy of bank statement which I did. They admitted they made a mistake but failed to correct error in a timely manner and caused bank to charge overdraft and funds not to be available during a critical time. Myself and my family have been dealing with covid for the last month, needed these funds and I explained this to them, they were insensitive to our issue.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act, 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 OF XXXX XXXX, 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 an account without my written instructions
Consumer complaint received 2017-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

USAA Federal Savings Bank is retaliating against me for filing complaint number XXXX for failing to refund my money on a credit card. I called them to report a Dispute on my USAA Checking Account and they have done nothing for 5 days, but give me excuses why they can not give me a provision credit. I have all the documentation for the two charges of {$80.00} for a Deposit for Electric Services and {$120.00} for prepaid energy services that XXXX XXXX was unable to deliver upon. XXXX XXXX said they could get me electric service in about 7 days. They said they could not get me the service after I paid them my last {$200.00} because I needed to get and Easement from some unknown person and they sent me a bill for {$2000.00} approx that they did not discuss when I opened the account. I have closed the account and they have not refunded my money. USAA has not assigned anyone to investigate the case, because they are trying to create Fake Fees OVERDRAFTS in my account. This is retaliation and the FDIC should be notified, because they must be some pretty big irregularities at USAA. It sounds like some kind of Ponzi Scheme is going on at USAA.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act, 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, XXXX OF XXXX XXXX, 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 an account without my written instructions
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

I have continuously tried to get US Bank Credit Card services to correct a late payment error that was reported on XX/XX/2020. 

I called in to ask for a COVID-19 extension, made a payment and the representative advised that she would acknowledge the COVID-19 hardship and put in a correction for credit reporting to current for XX/XX/2020. 

US Bank has failed to acknowledge the complaint, as they can not provide any proof of the recorded phone call I had with the agent in XX/XX/2020. 

I have also had a problem with trying to resolve a dispute on the same card, which I have filed a separate CFPB complaint regarding that matter. 

I want the 30 late corrected to current or I want a copy of the phone call stating that the call representative never stated she would fix it. 

-XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a Capital One Quick Silver Credit card on XX/XX/2022 through XXXX XXXX. On XX/XX/2022, I received an email that said Congratulations and welcome to the family. I was asked to upload my photo id and Social security card. I did so. On XX/XX/2022 I received an email that my credit card was approved and being shipped by XX/XX/2022. I them click on the Create an Online Profile to setup my payment options and was unsuccessful. I them call Customer Support and I was then transferred to the fraud department. While speaking with the representative she stated that my account was being closed due to potential fraud. My last 3 of my Social security number did not match. Also my credit report should not been affect because the social security number belongs to someone else. I called numerous times to resolve this matter and was unsuccessful. I also called XXXX who will not dispute anything on my behalf. My score was dropped by XXXX points.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

There is a eviction notice in my record. I am placing a compliant about misinformation on my record that the eviction should have been removed. I have attached documents on the case where the records indicate that the case has been dismissed and should have never been in my record. Please contact me as soon as possible. I 'm in the middle of relocating to a new home however this issue is with holding me from proceeding.
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. (CT)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Collection Account Account Number : 8568 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.