davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$330.00} XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My Capital one checking account shouldve been closed several years ago. Capital One is horrible to customers. They treated me awful. I waited an hr to get to an almost solution. When I called back the agent laughed and transferred me to the wrong department. That is disgusting. I was unaware a bank account that was supposed to be closed years ago was still open. There was fraud on my account and during that time they told me they closed it. It was only until I applied for a credit card that I logged in to add my new credit card only to realize they did not close it. This is an account open for 4 years after fraud without my knowledge. They told me someone withdrew money from an ATM at the time from some Miami store. That wasnt me. When I talked time then years ago I asked them to close this account and I did report fraud. To my surprise 4 years later it is open and restricted without my knowledge of it being open. This is really unprofessional and to not follow up with me after dropped calls or a disconnection after waiting an hour is disgusting. I waited an hr and I keep getting transferred. They seem to not know what they are doing. I called again to ask them to close this but they said it is a negative balance. That balance as seen on the attachments was from fraud. Each time I try to get help they either hang up or disconnect somehow. It is really stressful. Please fix this. There should be only one capital one account open in my name and that is my credit card. Im very sad how they have treating me. Its like they do not care and keep transferring me. To have an account still open without my knowledge after it should have been closed is awful. I am really confused how you all did not close this years ago. Also get better customer service and train better because there should be no reason I was waiting for an hour only to be disconnected or hung up on. Also the agent laughed at me and that was very rude. This has caused me a lot of distress and thats not professional. This is not a debt this was a transaction that was not mine. I called them and told them this years ago and they didn't fix this. They agreed to close it but I feel less protected and nervous that this account was still open and restricted without my knowledge.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

EXPERIAN KEEPS REPORTING UNLAWFUL INACCURATE PERSONAL INFORMATION. I HAVE ASKED SEVERAL OCCASIONS AND EXPERIAN REFUSES TO REMOVE  THIS INACCURATE ADDRESS. I HAVE ASKED IN SEVERAL DOCUMENTED LETTERS AND ONLINE DISPUTES TO REMOVE THE ADDRESS OF XXXX XXXX XXXX, SC XXXX, AS IT DOES NOT BELONG TO ME. IT IS FRAUDULENT. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX. AS TO BY LAW YOU DONT HAVE TO PROVIDE PERSONAL INFORMATION ON YOUR CREDIT PROFILE BC IT IS A VIOLATION OF CONSUMER RIGHTS.  I HAVE SENT PROOF AND EXPERIAN WILL NOT DO THEIR JOB AND REMOVE THIS ACCOUNT WHICH IS VIOLATION 42 USC SECTION 408 AND 18 USC 1028 A - AGGRAVATED IDENTITY THEFT.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

on XX/XX/2022 i sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-09
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. (OH)

The balance on this account is not correct as this account being reported as an Charge-OFF. As I can see the XXXX XXXX XXXX # XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX XXXX XXXX # XXXX This is double " jeopardy '' and the credit agencies will be accountable for it.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

I have been waiting on hold for the past 2 days for 4 plus hours. I took a screen shot for proof. I give all my information then wait on hold keeping me from filing a dispute. Nobody called me back or anything. During this covid time, this is nothing less than pure cruelty and feel motivated to get my own lawyer. Why do you treat people this way??? No respect for anyone or anything. Just tell me nobody is available or something. Tell me to send an email or something. This is making me absolutely crazy and all you guys do is apologize. I am so upset!!!!!!!! 

I called a third time 30 minutes before closing and I was told to wait. Wait and wait. Nobody even told me you were closed!!!! You just kept making me wait??!!! Who does this to people?? As if you hadn't played with me enough? I am definetly going to talk to a lawyer!!! 


The dates this happened is XXXX.
Consumer complaint received 2021-05-07
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. ()

I checked alert on my report and called Equifax on XXXX asked about that it is ( A FM was filed at XXXX XXXX GXXXX XXXX  XXXX ). A representative explained this is an error will be rectified soon. I called on XXXX again but this time another representative explained me this due to your secured loan if you taken, I confirm from XXXX XXXX finance Manager about this entry but he denied and explained there is no procedure like this. I am concerned because EQUIFAX is not providing me a right information about my file. please confirm that how they will rectify this which is most important for me because of my mortgage renewal is due soon. Thanks
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MECHANICS BANK (CA)

On XX/XX/2021 a letter of account closure was written, I received the letter around XX/XX/XXXX. The letter mentioned no reason to why they elected to discontinue providing me with financial services. It said that by XX/XX/2021 they will disable any debit card, online banking or bill payment access. It also mentioned that the account will be closed formally on XX/XX/2021. 
On XX/XX/2021 I made a phone call to the bank that lasted about half an hour long, and when I spoke with the customer representative they referred me to a manager XXXX XXXX is the only name they wanted to give out XXXX which then they went in circles talking about the letter that gives no valuable information or reason to why they closed the account and still over the phone they gave me no valid reason to why my account was closed. 
As a customer of a bank ; I always have enough balances in my accounts checking and savings in order to cover any withdrawals or purchases I make. I also have never made an over draft. I see that there is absolutely no reason for them to close my account.
Consumer complaint received 2020-10-09
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. (FL)

The credit reporting agency continues and explained will continue to accept incorrect information from a creditor. Information that through paperwork given during a previous dispute showed the account settled with a XXXX balance. I called Experian and was told they only receive information from the creditors and report it. My issue is that is fraudulent, misleading, damaging and reckless knowing the information is incorrect. Without any proof disputing the paperwork work sent to me from the creditor on their letterhead. It is, in my view, not apart of the Fair Credit Reporting Act and should be illegal to accept fraudulent information EVERY month causing me to file a dispute over proven incorrect information.
Consumer complaint received 2023-03-28
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

This debt collector participated in abusive and unfair practices of the FDCPA. They listed this account ( Fair Collections & Out ) that we did not agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in this transaction. This is unfair because they did not follow the 5 step validation procedure. According to the FDCPA, I am entitled to compensation of {$1000.00} per violation. This is evidently a violation of my rights. I demand this company to delete this account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ) and compensate me for the violations for the account listed below. If the company does not comply I will have no choice but to forward this to my litigation attorney. Fair Collections & Out- XXXX ... {$5500.00} Thank you for your time.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NJ)

Nordstrom is withholding several Credit card statements from me for an upcoming small claims lawsuit against them. The missing statements are as follows : XX/XX/2022, XX/XX/2022, and XX/XX/2022. Why are they hiding them?
Consumer complaint received 2023-05-28
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. (OH)

I looked at my credit report and I notice these accounts below I do not recognize them they do not belong to me. 

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
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MD)

In XXXX I had requested a refund for payments made during the forbearance period, totaling in XXXXXXXX with my previous student loan servicer, XXXX, to which original payment was made in accordance with the CARES Act Without notice by mail or email, I had come to find that my loans were transferred from XXXX to Aidvantage on XX/XX/XXXX by calling into the XXXX Customer Service call center. In this same call, XXXX informed me that they could no longer be of assistance as my loans were no longer serviced by them. 

Since, I have contacted Aidvantage several times a month only to find that my loans have still not fully been transferred over despite the announcement on XX/XX/XXXX that all borrowers have been transferred over XXXX XXXX XXXX XXXX  ). Likewise, over 3 months from my initial request, I have yet to receive my refund, nor do I have access to view my account history with either XXXX or Aidvantage.
Consumer complaint received 2020-10-09
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. (TN)

am writing this due to non compliance with CRA Experian. They have failed to remove information that has been identified as identity theft. I have attached supporting documents, ie police reports, identity theft reports, and proof of identity all sent certified mail. I spoke with XXXX and XXXX on XX/XX/2020. I strongly believe that they are in violation and are outright refusing to uphold the law.
Consumer complaint received 2023-03-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC (OR)

I was called and told that I owed money and that I had to pay a settlement today. I said I needed documentation because I honestly didn't know if it was a scam or not. The lady said I was PLAYING GAMES with her and was very aggressive and NOT HELPFUL on the phone. I just needed to verify that it was a true debt. She said the debt dated back to XX/XX/2016 and that I tried to claim bankruptcy on it and mentioned a XXXX XXXX account and none of that sounded familiar so I said that I needed something in mail. I felt attacked as she was not helpful in the slightest and kept talking over me so I hung up. She kept calling on different numbers but I did not answer. This is NOT the way to try to handle a debt. I'm willing to pay off debts of course but this was absurd and abusive.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account withthose creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the Fair Credit Reporting Account, XXXX XXXX, Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I sent a letter out on XX/XX/2022 to XXXX, XXXX, and XXXX. Here is my Tacking number # XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back with proof of a wet signature etc. This is not making any sense. 

In accordance with the Fair Credit Reporting act XXXX  Accounts : -National Credit Adjusters, L.L.C # XXXX -XXXX & XXXX XXXX XXXX XXXX -XXXX XXXX Account # 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.

If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IN)

I accidentally made a {$560.00} payment to a closed American Express XXXX Credit Card account on XX/XX/2020. XXXX cancelled my card a few years ago and my XXXX credit card was transferred to XXXX XXXX XXXX card. American Express told me they had my {$560.00} payment but will no longer forward to XXXX. They told me my bank XXXX XXXX has to reverse the payment. XXXX XXXX says they can not reverse that type of payment. When I call American Express back they claim they now " dont '' have my {$560.00} because that account is closed and it would automatically go to XXXX. XXXX as of today says they do not have that payment. When I initially called and put in my old closed American express number the recording said I they had my {$560.00} payment. I have talked to American Express three times yesterday. I talked to XXXX once yesterday and keep checking my account to see if it posts and nothing yet. XXXX XXXX is sending me proof American Express got the payment but will not give me anymore assistance to get my payment of {$560.00} back. It can take 7-10 days to get it in the mail but I am sending you a screen shot of the payment that was taken from my account for now. Please help me.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 informationisinaccurate.
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (NJ)

In XX/XX/XXXX, I bought a XXXX XXXX XXXX truck from XXXX XXXX valued at about {$97000.00}. I deposited the sum of {$67000.00} cash towards down payment and financed the balance of about {$30000.00} through the BB & T bank. The car note was {$640.00} monthly. I regularly paid my car note until XX/XX/XXXX when I had an auto accident wherein I suffered a sprained back injury. As a result of the accident I was unable to work and delayed in making my car note payments. However, I was able to make my payments and keep my account current until XX/XX/XXXX when the covid-19 pandemic caused a shutdown of businesses. I lost my job due to cover-19 pandemic and was unable to pay my car note. In XX/XX/XXXX, I made a {$2000.00} payment which was returned due to insufficiency of funds. I informed BB & T about my job loss, but they were not cooperative with me and refused to give me a break. Hence, in XX/XX/XXXX, they repossessed my car and removed it from my apartment. Later in XX/XX/XXXX, I contacted BB & T through my attorney to pay my arrears of about {$6000.00} to bring my account current, however, BB & T refused to accept my money insisting that I must repay the entire balance of the car note ( about {$32000.00} ) prior to release of my car. BB & T gave me till XX/XX/XXXX to make the full payment of about {$32000.00} else the car will be sold after XX/XX/XXXX.