davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I am writing to formally dispute the inaccurate information being reported on my credit account. My account number is XXXX. Specifically, the reported late payments on XX/XX/year>, XX/XX/year>, and XX/XX/year> are incorrect, as I was not late on these payments. I have reviewed my records and can confirm that my payments were made on time, and I respectfully request that you investigate and correct this error immediately. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to the credit bureaus. By failing to update or correct this inaccurate reporting, TD BANK NA is in violation of the FCRA. Additionally, under the Truth in Lending Act ( TILA ), any inaccuracies in credit reporting that affect the terms of credit or the accounts status could result in a violation of the act 's provisions regarding truthful and accurate disclosures. I request that you investigate this matter and update the credit bureaus with the corrected information.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX with a balance of {$900.00} and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

I purchased an item on XXXX from XXXX XXXX XXXX in XXXX Tenn using my Suntrust debit card ending in XXXX. 

The shipment took almost a month from XXXX Tenn to XXXX Ga and was defective when it arrived. I emailed the Manager at XXXX XXXX to return the item and was told he was not taking any emails or calls for a return. So I disputed the charge of {$86.00} on XXXX with Suntrust by sending in an Affidavit and uploading all the pictures of the defective item. 

Suntrust sends me a letter from a third party XXXX asking for more information on XX/XX/XXXX. So I call Suntrust to inquire about the third party getting involved as I never agreed to have a third party involved on my banking decisions. 

I also sent email to Suntrust today at XXXX with all the additional defective pictures of the item. 

I just want to get my {$86.00} back for a defective item which is what I thought my Bank would do with a disputed item that is identified and verified with an affidavit. There is no resolution from Suntrust as of today.
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (TN)

Hello ... .. I wrote through this platform some weeks ago and I got a response after my complaint was forwarded to Binance.US and they sent me a mail saying the will up lift my withdrawal lock so I can get my money out of the company to pay for my XXXX and some days later I tried getting on my account and they are telling my account is banned for no reason which my money is on there is like they are trying to go away with my {$2400.00} for my XXXX ... .. its been months now and I to keep on postponing my XXXX cause I dont have any money for it all I got is on my Binance.US account and they want to rob me of my money thats such a bad company to put money on .... all I want is just for them to give me my money ... My ticket id is # XXXX on my Binance.US company
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had XXXX XXXX XXXX {$4000.00} XXXX of fraudulent transactions occur on my EDD account. Called bank of america reported it. They returned my money post their completed investigation citing the credit was now permanent. A month later they debited my account the same amount and closed my claim. For over two months I have been fighting with them tooth and nail to get my money back and rightfully so. They re opened the claim. A month passes ... nothing. Then today I call and am told the claim has been closed and that I am somehow liable for the fraudulent transactions coming out of XXXX. Please help me.. They're robbing me of over {$4000.00} and now I'm being taxed on that money that I never received.
Consumer complaint received 2021-05-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (AL)

This company called LVNV is reporting on my credit profile and I do not have and contractual obligations with them. I have contacted several times about validating this debt that they say that I owe them. They have contacted relatives and they have contacted my employer stating that they are looking for me saying that I owe them. This is violation of my privacy.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Furnisher XXXX XXXX XXXX is reporting an old alleged debt that has been previously invalidated and removed from my credit. They claim to be the holders of 2 accounts ; Original Creditor " XXXX XXXX XXXX XXXX '' Amount Owed : {$2200.00} Account # : UNKNOWN Original Creditor is ; " XXXX XXXX XXXX  '' Amount Owed : {$9700.00} Account # : UNKNOWN both these accounts were never validated after a lawful request, Specifically, XXXX and TRANSUNION are violating my rights under the following FCRA laws ; 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. It is unlawful to reinsert accounts previously deemed invalid onto my credit report just because a new DEBT COLLECTOR/DEBT BUYER has acquired and is reporting the exact same debt. The CRA is required to reinvestigate and verify the information before reporting it. This repeated insertion of these invalid accounts are causing me financial as well as emotional damage as I have been denied a mortgage. I have been rendered XXXX  for the last 30 days because of this. ''
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX which I believe started in XX/XX/XXXX Citi Bank was offering a new account promotion bonus online that expired in XX/XX/XXXX. The amount of the promotional XXXX, XXXX or {$1500.00} according to the amount of deposit. I open the require account on about the XX/XX/XXXX and deposit the required amount on the XX/XX/XXXX in order to qualify for the promotional bonus of $ XXXX.I initiated a call the next few days to confirm that I would qualify for the promotion, and I was told that yes, I was told at that time that after a 21day of the deposit and after 60 days of the require balance remain in my account they would deposit the {$1500.00} in my account. I have met all the requirements to qualify and have spoken to them several times about the date my funds would be deposited. My daughter and I drove XXXX miles to the XXXX XXXX and back to prove my identity so they could correct my social number. I ask again while we were there about the promotion bonus and were told it would be paid in XXXX the XXXX by the cashier. I called Citi on XXXX the XXXX and was told now it would be 21 more days and everything was in order for the amount to be deposited in my account. Now later that afternoon I receive a message from Citi telling me there was no such promotion. So basically, they have kept my funds for over 6 months and now after telling me my promotion bonus would be deposited, they never had this promotion. I was also told that I would receive a complete package with all the information and was never sent.
Consumer complaint received 2021-12-07
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: AMERICAN HONDA FINANCE CORP (CA)

On the month of XXXX, my account for Honda Financial Services was no longer being reported to all three major credit bureaus because my account was removed for no specific reason. I called Honda Financial Services and the representative could not give me a clear answer as to why my account was removed. For that reason, my credit score dropped tremendously for all the credit bureaus. Yet, I was still being billed for the car and responsible for making payments on the Honda XXXX. Basically I should still be held accountable but not Honda. They do whatever is beneficial to the company. I then sent a letter to the credit reporting disputes headquarters of Honda in XXXX, Texas. They replied back by sending a letter. Within the letter it said that the credit reporting of my account would be updated to all three major credit bureaus. However, it's been more than six months since then and my account has not been reported to any of the credit bureaus. This is extremely frustrating to be taken advantage of by a company who claims to be helpful. That has not been true in my experience. It feels like I'm just throwing away money to a bank.
Consumer complaint received 2021-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (AL)

XX/XX/2021 I received an Email from XXXX XXXX of Williams & Fudge , Inc . This notified me of a debt from a school I previously attended ( which hadn't explained this debt to me either when I asked about it previously either ), it said if I disputed it or requested validation from their office " in writing '' within 30 days, they would validate and send me something verifying the debt. I responded to the email the same day and asked for them to show me where the debt came from, as I don't understand how I owed the school or now this debt collector since I was told my loans were covering my school costs in total. 

The office has yet to respond to my email, I sent another email XX/XX/2021 when a collections was reported on my credit report, to ask where my " copy of judgment '' was that they said they'd send if I requested validation. I read online that I have a right to recieve documentation/documents that validate my debts within 30 days of requesting it. Haven't gotten it, and I want this debt written off since this company is violating my rights as a consumer. I dont know how to approach the company about this, as I figure they wouldn't be interested in admitting errors and writing away my debt.
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2021, I sent a letter to XXXX  credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from TransUnion of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
XXXX  removed all inaccurate address and added more that did not belong to me.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHARLES SCHWAB CORPORATION, THE ()

on my XXXX report, I have found collection account from Charles Schwab bank, however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the US for 6 years Date reported : XX/XX/2019 Account number last 4 digits : XXXX The amount owed : XXXX $
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I was lied to and mislead into sending XXXX $ to an authorized XXXX account through my Wells Fargo on line app resulting in my filing a claim through Wells Fargo. The individual ( XXXX XXXX XXXX ) ( XXXX ) XXXX then unregistered his account from XXXX which is visible from my mobil app, resulting in my claim being denied, since the account was closed before funds could be recaptured and I was denied reimbursement. Wells Fargo is acting outside of policy. As it reads, within the Consumer Financial Bureau 's Electronic Fund Act, regulation E. If you are induced by an individual banks must return your money. 

Claim # XXXX Claim # XXXX
Consumer complaint received 2024-10-23
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. (AL)

On XX/XX/year>, I made XXXX aware of the misleading and inaccurate collection account from XXXX XXXX XXXX alleging a debt in the amounts of {$3800.00} and {$1100.00} they are reporting on my credit report. Ive requested XXXX and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

Ive disputed this account, and it has been well over 30 days for transunion to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit file immediately. 

By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. XXXX XXXX has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Transunion Is in violation of FCRA and if they fail to comply and delete this information from my credit file, they must be held liable per 15 usc 1681n
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, The aforementioned credit collection agency representing whomever XXXX XXXX XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MD)

On XX/XX/2022 the IRS said they sent chime which is my on line bank, my tax refund in the amount of XXXX the IRS said chime had until today XX/XX/2022 to make my refund available to me I've called chime numerous times and they steady saying that the IRS never sent my tax refund to them and because of my XXXX XXXX XXXXXXXX I'm getting the run around I really need my tax refund
Consumer complaint received 2022-09-14
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. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

Amerihome Mortage became my mortgage holder after I purchased my home last year. I pay them monthly with escrow including property taxes and insurance. On XX/XX/XXXX, A letter from them confirmed they would be paying supplemental tax for it from my escrow account since I had sufficient funds, on XX/XX/XXXX, Another letter from them said they had paid the supplemental tax.. 

When I saw the tax was still unpaid on XX/XX/XXXX, I called in and asked why. I was told it was all their payments are bundled and it would show after all is cleared. I called in again, still was told not to worry. Then later, I got the county 's tax delinquency notice along with the penalty. I asked and was told it was paid, not to worry. Please see the attachment from secure message sent on XX/XX/XXXX saying everything was paid and confirmed. Then now, on after more than 2 months, on XX/XX/XXXX, I was told me that tax is homeowner 's responsibility. I have to pay for the late penalty instead! I would have paid myself on XX/XX/30 if they did not claim it was paid already again and again. I was totally deceived by various of their responses in letter, email and secured message, all in writing, along with phone customer servicer! I should not be responsible for their false claims that caused the penalty. Instead they need to compensate me for all of the lost time and energy and emotional distress!
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

XXXX ( XXXX ) called my husband who has nothing to do with my debt at XXXX in the morning and told him the amount of debt owed and told him that he had to pay it if I didnt. They then again contacted my mother from another number and told her she must pay the debt or she will be responsible. I can provide phone records from both instances. I can also provide where they call me up to 6 times a day some days but at least 2 times every day. I have asked for mailed correspondence and have not received anything. They could cause a divorce by telling my husband my business and my debt that he has nothing to do with. I am at the point I am going to get a lawyer if it is not resolved accordingly.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

At XXXX on XX/XX/year> I tried to withdraw cash using my XXXX debit card at a PNC ATM in a XXXX XXXX  ( Store # XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX ). When the screen read, card must be removed prior to cash dispensed, I did not remove my card in time. The ATM printed a receipt saying incomplete transaction, contact your financial institution. The money came out of my account but no cash ever came from the machine. 

I filed a dispute with XXXX, they eventually gave me a provisional credit after XXXX weeks, then XXXX weeks later PNC denied my claim, stating the following this transaction was processed correctly. This transaction was valid, the money was dispensed, and based on the ATM audit tape, we have concluded our investigation. I had XXXX appeal their decision, and they denied the appeal the same day. I told XXXX to ask PNC if their ATM balanced during their next cash count. I also asked them to ask PNC to explain how I could receive that receipt if the transaction was processed correctly. XXXX has not advocated on my behalf and even though I am still communicating with them trying to get them to help me, they took my {$400.00} back out of my account. 

I filed a police report since they are the only ones who can get surveillance footage from the XXXX XXXX, but have not heard anything from them nor do I expect to. They are understaffed and overworked. It doesnt seem to me that PNC investigated anything at all. I want to see the ATM records, I want to see the ATM video footage, and I want to speak with PNC directly but they won't speak to me directly I already tried. My only hope is getting surveillance footage from the store to prove my case.