davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
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 (CA)

On XX/XX/22 I noticed that there were fraudulent purchases on my credit card statement. 

On that day, I called my credit card company, TD Bank Card Services, and notified them of all of the fraudulent purchases. There were 4 fraudulent purchases, totaling {$850.00}. 

The 4 fraudulent purchases were : 1. XX/XX/22 - XXXX XXXX XXXX- {$440.00} 2. XX/XX/22 - XXXXXXXX XXXX XXXX XXXX {$130.00} 3. XX/XX/22 - XXXX XXXX - {$110.00} 4. XX/XX/22 - XXXX XXXXXXXX XXXX XXXXXXXX- {$150.00} The credit card company confirmed on the phone that there would be an investigation that could take up to 90 days to resolve and that they would send a letter via mail, which we never received. 

The credit card company did not issue a provisional credit, so the debt has accrued monthly interest in the amounts of : 1. {$12.00} ( XXXX ) XXXX. {$14.00} ( XXXX ) The customer service has not provided provisional credit, or even notification by mail. When contacted via phone, their customer service sends you in a loop. Calling " TD Credit Card Services '' the representative will simply transfer the call to the " Fraud Dept., '' who claim that they can not provide any service or resolution but they will transfer you back to " TD Credit Card Services. '' This is Kafka-esque. 

The phone numbers we have called : 1. XXXX ( This number is now disconnected ) 2. XXXX press 5 ( General Customer Service ) 3. XXXX ( Fraud Dept ) We were told after calling monthly to " wait 90 days for resolution. '' It's been 94 days, over 10 hours on the phone with their customer service, and we still have the fraudulent debt and accrued interest. 

We asked simply for provisional credit ( from multiple customer service representatives ) and they would simply offer to transfer our call again ( in a loop ).
Consumer complaint received 2020-02-04
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TN)

I have three Navient tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by Sallie Mae/Navient representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.
Consumer complaint received 2022-04-25
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. (SC)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2022-04-25
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. (SC)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests mentioned in the list. I have reported the theft of my identity to the Federal Trade Commission and I have attached the identity theft report.
Consumer complaint received 2022-05-06
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. (NC)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 2022-07-31
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: DISCOVER BANK (NY)

I requested validation of debt on XX/XX/XXXX, from Discover Credit Card which refused to but still continues to report to the credit bureaus XXXX, XXXX, and XXXX. 
Failed to respond to any written disputes within 30 days. XX/XX/XXXX. 

No presentment of proof of license and/or permit to regulate, issue or collect on the promissory notes of the XXXX XXXX, XXXX XXXX XXXX has XXXX XXXX XXXX
Consumer complaint received 2022-05-06
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: CORELOGIC INC (CT)

I did not authorize a hard credit check on my credit and this was not explicitly requested. Not only was this done without my permission, but it was done twice, significantly dropping my credit score.
Consumer complaint received 2022-05-06
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. (PA)

Equifax has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX XXXX XXXX without telling me how nor showing proof...
Consumer complaint received 2018-08-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Big Picture Loans, LLC (WA)

XX/XX/XXXX I was having financial problems. Came across a comercial on t.v regarding a payday loan ( XXXX XXXX XXXX  ) and applied. Didn't realize how much interest they were charging at the time ( 600 % ), even  with paying the minimun payments for months, I was unable to pay off the loan. 

XX/XX/XXXX we got a call from XXXX XXXX who were supposed to be collecting for XXXX XXXX told us that we needed to settle this debt. After one year of collecting and $ 800plus paid, my wife realized that we never got any written notice or any types of agreement about the debt. They had sent 2 e mails, which both amount did not match. 

XX/XX/XXXX, my wifes card which she was using to pay the monthly payments, was used by an unauthorized user outside the state we live in so we cancelled her card. Ms XXXX ( XXXX XXXX ) who is in charge of collecting the debt was notified that my wifes card was compromised. Ms XXXX then told us that we needed to get a prepaid card to pay the installments. 

Now I'm questioning wether this company is real or not since they want us to pay them with a prepaid card. One, they don't have a website, two, the email they sent does not have the business address, and three no paperworks regarding the debt and agreement were sent to us. 

Within the past couple of months we have been getting multiple calls daily in their attempt to collect. They have said that I've been sued but not received a summon and I also have contacted the county courts ( which I have lived in for the past five years ) and none said that they have any open or pending claims against me. Now they are threatening to garnish my wages, yet again no paperworks, no summons, nothing regarding the debt. And also the {$800.00} plus dollars we paid, XXXX XXXX is forfitting that amount and they want us to pay in full. 

I have other debts that I'm currently paying and those companies even after agreeing on the the phone, all have sent documentations for my copies and for me to sign, which I never received from XXXX XXXX or Ms XXXX.
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

XXXX dispute filed on XX/XX/XXXX -Claim number XXXX Ticket XXXX Submitted two screenshots of purchase history going back three months of no purchases of any amount close or within the timeline of XXXX. This it the third dispute this bank stole funds out my account. When requested documents for proof form vendor. I requested a rebuttal and thus far have been provided no evidence of purchase, this is fraud and I am attempting to go through the vendor. For relief, as well.
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (PA)

Someone opened an account in my name at Key Bank.. I received a debit card for a checking account opened in my name at Key Bank. I do not or never have had an account with Key Bank. According to Key Bank, the account was opened on XX/XX/2022. I reported this to the fraud department at Key Bank and they have put a hold on the account and have started the process to close the account. This account was opened on line.
Consumer complaint received 2018-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (CA)

I was selling an furniture through an online service ( XXXX ). A buyer contacted me claiming to be interested in purchasing the item. The buyer then sent payment through cashiers check ( for amount more than the asking price ) and asked me to money transfer the balance amount of {$950.00} through XXXX money transfer to pay for the transport guy which I did. The payment ( cashiers check ) turned out to be a fake, and Im out of money. I was able to cash the cashier 's check or see funds recorded in my account statement after two days of depositing the check but after a week to find out that the check has bounced. Can you please arrange refund of my money of {$950.00} as I was a victim of online scam. Please see attached XXXX receipt for that I paid the buyer. Thank you,
Consumer complaint received 2022-07-31
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. (TX)

I ask the credit bureau to do a thoroughly verification of everything on my credit report they did and state everything was accurate. I then did a thoroughly look over it myself to find there were some improperly accurate on my credit report even after they did thoroughly verification and research. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX, Collections, Account Number or Identifier XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX In accordance with the fair credit reporting act XXXX these accounts XXXX XXXX  XXXX XXXX, and XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2it also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2016-01-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Allgate Financial, LLC (UT)

XXXXHilco continues to verify a XXXX debt to XXXX, during the dispute process, that has been reported as fraud. XXXX/Hilco have received XXXX police reports from XXXX & XXXX from XXXX, and have removed their reporting to those credit agencies. The report from XXXX was from XXXX XXXX Police, & XXXX was from XXXX XXXX Police Department. There was fraud on my account with XXXX from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, & XXXX XXXX, XXXX. 

In CFPB case XXXX, gap stated in writing, through their Corporate Consumer Relations Specialist, XXXX XXXX that, " they have verified the amount owed by me. '' However, it is idenity theft. And gap 's account listing on my XXXX report, should be removed. I have been unable to talk to XXXX XXXX because when I call, it goes to voicemail. A request to set a specific time to call & discuss this matter by email, gone unresponded to. 

I am unaware why XXXX continues to verify the debt. A separate CFPB case complaint will be filed, to have them answer to that.
Consumer complaint received 2022-06-09
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. (GA)

In accordance with with the fair credit reporting act and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A 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 instruction.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-05-06
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-31
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)

I ask the credit bureau to do a thoroughly verification of everything on my credit report they did and state everything was accurate. I then did a thoroughly look over it myself to find there were some improperly accurate on my credit report even after they did thoroughly verification and research. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX, XXXX, Account Number or Identifier XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX In accordance with the fair credit reporting act convergent these accounts XXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2it also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2022-05-06
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)

XXXX, Equifax and XXXX are breaking the law per 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR EQUIFAX, XXXX OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! Ive sent certified mails to each consumer reporting agency in which I was ignored and its been well over 30 days! 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022 XXXX XXXX XXXX  Equifax - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX
Consumer complaint received 2022-07-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

At the beginning of XXXX I called to have both of my vehicles deferred and I was told that I would have to call back to request the deferment on XX/XX/XXXX because my payment wasnt late enough to be approved for deferment. I waited until the XXXX and called back to try the deferments again. I was approved on one within a few days but was denied on my XXXX  XXXX, which I was never notified of denial. I then called back on the XXXX to check the status of the deferment and was told it was denied because the deferment would not cover the balance due, even though it was only 30 days late ( one payment ). I asked how I owed an additional {$500.00} at that point and they said that I had made an agreement to make a payment, which would defeat the purpose of me needing a deferment. I explained that I wouldnt agree to that when the whole reason I was deferring a payment was because I could not pay. I then had to submit another request for deferment for two payments because one of the agents put that in their notes. I still have no resolution and it feels like they are making excuses not to approve this deferment. Very frustrating when just trying to get help
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (ME)

I was a customer of M and T bank for several years. Until recently, I had no complaints. However, I noticed this past month that I was charged a XXXX monthly fee for a service I thought was free. I checked my account and saw that this amount had been taken from my account for the past few years. 

When I called customer service, the woman was kind enough to inform me that my account required that I have direct deposit or XXXX dollars to avoid this fee. When I first signed up for M and T, I was told this account was free, and it was, considering that at the time I had my check direct deposited into my account. However, this money has been taken from my account since I left that job which was in XXXX of XXXX. I asked my customer service person if I could end this, she said yes, and that all I needed to do was downgrade my account. I did this immediately, and then asked what difference there would be to my account. She said nothing. My account status simply made me eligible for other benefits which I never used. I calculate that from XXXX of XXXX to XXXX of XXXX, I have paid XXXX for a service that was never used and never requested. 

What 's more, upon investigation, I found that in XXXX, M and T was fined XXXX dollars for just this infraction, and paid XXXX XXXX dollars in refunds to over XXXX customers complaining of this same issue. 

When I called M and T to ask for this money to be refunded to me, they said that this would not be done. They said that the above infraction did not cover my type of account, which she said was never advertised incorrectly. 

I have, however, paid nearly XXXX dollars for a service I never received or requested.