davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

I opened TD Bank account on XX/XX/XXXX in branch for the {$300.00} bonus. TD Bank never paid the bonus and asked me to wait and wait. My friend opened the account and I on the same day. He got the bonus on XX/XX/XXXX.
Consumer complaint received 2021-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has repeatedly declined to provide the weekly report ( as outlined at https : //www.consumer.ftc.gov/blog/2021/03/free-weekly-credit-reports-during-covid-extended-until-april-2022 ). 

In response to my requests, they send postcards stating I have already received my annual report and must pay {$11.00} to obtain an " additional credit report. '' I received the first such refusal via a postcard dated XXXX. 

I submitted a written request ( to : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, GA XXXX ) for a current credit report. I attached a description of the problem and a copy of TransUnion 's rejection card. These Items were mailed on XXXX, I did receive a TransUnion report dated XXXX somewhat later. 

I received the second such refusal on XXXX via a card dated XXXX. 

I have very good credit, however, two data communications business have employed a very similar strategy to injure my credit where they continue billing for a service I have EXPLICITLY CANCELLED, run up a " tab '' in the background and then shop it out to collection agencies who file on my credit record. Their unjustified reports of nonexistent debts have impacted my credit score up to 130 points.

My attorney and I have been working on these false reports for almost two years. All this has been an outrageous waste of time and money. TransUnion -- by far the worst of all three credit bureaus -- has been particularly obtuse and belligerent about removing these falsified " debts '' despite being repeatedly provided with documented evidence there is no underlying debt. 

Presently, my credit record has been cleaned but a THIRD data communications company is on the horizon and seems to be maneuvering toward the same objective. Worse yet, this appears to be the latest thing in tech industry chicanery ( XXXX XXXX : XXXX XXXX XXXX ). 

While these external details are beyond the scope of this complaint, I need access to current, hardcopy reports of the status of my credit accounts to manage the onslaught. 

It is clear these rejections are to the financial advantage of TransUnion and it is almost certain I am not the only person to have suffered from such rejections ; perhaps some have even been tricked into paying the extra charge. Your action to dissuade TransUnion from this activity will be appreciated by all.
Consumer complaint received 2021-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (AL)

The company, NCB Management Service, started reporting a collection account to my credit on XX/XX/XXXX in the amount of {$4700.00}. This is reported to XXXX and XXXX. I have sent countless letters to the collector stating that this debt does not belong to me. I have asked them to verify the debt and they sent me an agreement between me and some company called XXXX, this was back in XXXX of this XXXX. Bear in the mind the agreement had no signature from me stating I agreed to do business with this company. I have been a victum of identity theft in the year of XXXX. I had one account that I was able to have removed after providing a police report to the company. I'm curious if this account is similar to the other account, however I have no way of knowing as the company fails to provide me any additional details outlining why they are verifying this account as accurate. I sent in a letter on XX/XX/XXXX exercising my right under the FCRA to receive documented proof that I, the person they are proclaim own this debt, have a legal binding contractual obligation to pay this alleged debt. It has been over 30 days and they have not complied for the FRCA in providing the requested documentation. I have received no response from them. I have told them this was identity theft and yet they have continued to report this inaccuracy on my consumer report, thus preventing me from utilizing my credit for future purchases. This is my next solution before I file a small claims law suit for Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Parctices act including but not limited to Section 807-8, and Violation of the fair credit reporting act including but not limited to section 623-b. I'm including the credit reports for the collection accounts and the police report of my identity theft for that year.
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation (CA)

Per California Consumer Protection Act documents, I received from Velocity Investments it appears Premiere Credit of North America ( PCNA ) has a error with their files. This is an attempt to correct YOUR records, any information obtained will be used for that purpose. 

Per CCPA document, it reads the following - - XXXX XXXX XXXX XXXX - Premier Credit XXXX XXXX XXXX Please do the following - - VALIDATE the Debt - Proof that this 'debt ' is under the statute of limitations - Do not call me directly or by third party - All communication must be in writing via CFPB.gov
Consumer complaint received 2021-10-25
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)

XXXX XXXX XXXX XXXX ( XXXX ) did not have permissible permission to access my credit report on XX/XX/2017. I have complained and requested copy of the permissible permission for 4 1/2 years. Attached is the latest reply I received from XXXX requesting my account number while they reflect the account number on the top of the letter. XXXX didn't have my permission which is evident and they sold to a thief using my name. I called XXXX trying to reason but again was a waste of time.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am XXXX XXXX, natural person and consumer on XXXX XX/XX/2021 I submitted a remittance payment to my credit card account in the amount of {$21000.00} I sent my payment certified mail to insure timely processing and Capital One still has not credited my account.
Consumer complaint received 2021-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (AL)

Santander Consumer refuse to remove debt from my credit report ; violates 15 usc 1692 ( 1 ) ( d ) the debt is was charged off as profit/bad debt ; so in fact Santander consumer was paid for the debt ; with my social security number, tax write off, commission, and or insurance ( paid by me ; collateral/premium ) ; 15 usc 1693e positive balance The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ; violates 15 usc 1692, abusive, deceptive, unfair, invasion personal information. I wad always a on time payer until the Gap insurance SC sold me, wouldnt pay off the final balance ; of coarse its always a reason not to pay ; Santander hindered my progression with a better job, car, and home for years ; I never gave Santander permission to report to any credit reporting company, if so it was revoked ; it was 11 years ago when opened why I dont know. When I spoke with them they refused to removed it, thus I thought there was nothing I could do, until now. Santander was paid by my social, tax write off, insurance unknowingly paid by me ( premium/collateral ), and or some type of commission.
Consumer complaint received 2021-10-25
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. (NV)

Currently I have been reporting fraud on my XXXX XXXX account. I keep being charged by XXXX XXXX XXXX on Behalf Of XXXX XXXX, XXXX XXXX XXXX. I have never opened any type of account with either Company, I did report this many times to XXXX And Trans Union Many... Many Times but they keep putting this back on and deleting stuff that I actually owe They recently took XXXX off my Account When I actually do own that account I personally walked in and opened that XXXX account to start my Credit when I was younger I only stayed XXXX because I was letting you guys know I had existing accounts that were actually mine with debt and I wasnt complaining about it I dont know who is responsible but they took that the wrong way I Need XXXX XXXX  On My Account Im only reporting fraud On The accounts XXXX XXXX XXXX keep bothering me about ( XXXX XXXX XXXX ) which are accounts that were open fraudulently My car was stollen from the front of my house on XXXX XXXX XXXX in XXXX on XXXX  I just found out these accounts were open around XXXX and they have a address in the same city of XXXX on The account that isnt mine I received this info by an employee due to a call I had made to the XXXX XXXX XXXX to complain ... I also just received the police report of my car being stolen from the front of my house!
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Responded to a Citizens Bank direct mail campaign to open new checking/savings accounts and funded such with a total of $ XXXX at the time of online opening ( XXXX ). Citizens immediately transferred the funds out my existing account ( XXXX ) at another bank and immediately proceeded to close the new account ( XXXX ). Thereafter, Citizens has consumed many hours of my time in going into a local branch, via telephone, via email, and via written correspondence, all the while indicating that they do not wish to do business with me, unwilling or unable to provide any further reason, yet after over 3 weeks, also without return of my funds. I wrote to their CEO, General Counsel, and Head of Consumer Banking indicating that their marketing and banking practices, intended or otherwise, deceived and defrauded me, a consumer, of a significant sum of funds that they have been entirely unable or unwilling to return. A representative of the bank and I have spoken twice now. The first call ( XXXX ), the representative asked me for written proof that the funds were withdrawn from my sourcing bank account. I indicated that they did not need proof as they have the funds. During the second call ( XXXX ), the representative said I have 1 of 3 options, all taking immense more time to adjudicate. I told her that all I wanted was funds returned to my original account immediately, which is what multiple Citizens representative ( via phone and a local Branch Manager ) said would happen ( since funds were withdrawn via ACH, they would be returned promptly via ACH to the same account/institution ). However, as of writing ( XXXX ), I remain short said funds. I request your help to ( 1 ) secure a return of funds and ( 2 ) evaluate and take punitive action for defrauding customers, stealing money, bait-and-switch practices, discrimination ( do not wish to do business with you without further explanation, absolute disregard for customer time, communicating conflicting and misleading information, dodging responsibility ( asked me to take issue up with source bank! ), and lots of other colorful accusations.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK (TN)

Account Opened and then CLOSED FOR BUSINESS REASONS I successfully opened a XXXX  checking account on XX/XX/21, and am now being told my account has been closed for Business Reasons ( Security purposes ) and will not be told why. I still am able to log in to my account and I continue to receive emails along with a letter in the mail I received yesterday welcoming me to XXXX. 

This checking account was opened because there is a {$250.00} checking Bonus I was interested in. 

I feel this XXXX XXXX  is opening and closing accounts along with other customers as a bait and switch move to bolster their open account numbers while quickly closing those accounts so the consumer is not be able to finish the qualifications to receive the {$250.00} bonus being offered.
Consumer complaint received 2021-10-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (WI)

RESPONSE TO FOLLOW-UP COMPLAINT XXXX First of all what you have concluded makes no sense & you contradict yourself. We had issues closing on our home because you FILED the HUD lien which was for XXXX & XX/XX/2020 that I did accept and paid you back in full on closing, but you never actually RECORDED it therefore no funds ever came from HUD and it still does not excuse you reporting NO DATA on my account for XXXX 2020 because I paid my mortgage in FULL and show the statements as proof & you never actually recorded the lien so I have no idea what you were waiting to process per HUD, XXXX & your own documentation that states you never recorded it because your paperwork was null & void due to having separate signatures VS combined. Again, I order you to report my mortgage payments I made in full for XXXX, XXXX, XXXX, XXXX, XX/XX/2020. 

ORIGINAL COMPLAINT XXXX I have shown PROOF that the credit reporting agencies show NO DATA when I made payments on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. I took COVID plan for XXXX & XX/XX/2020 AND NOTIFIED YOU I NO LONGER WANTED IN XX/XX/2020 BUT YOU KEPT HOLDING ALL PAYMENTS UNTIL XX/XX/2020! I CALLED YOU MONTHLY TO REMOVE ME AND MANUALLY PROCESS AND APPLY MY MORTGAGE PAYMENTS, BUT YOU KEPT FORCING THIS PLAN ON ME. WHAT DONT YOU UNDERSTAND! STOP CALLING ME. I TOLD YOU TO EMAIL ME. I AM NOT PLAYING PHONETAG AND I WANT PROOF OF ALL CORRESPONDENCE SINCE YOUR PHONE RECORDS NEVER HAVE ANY " PROOF '' OF THE CUSTOMER 'S SIDE OF A SITUATION. I HAVE PROVIDED DOCUMENTATION TWICE. CFPB NEEDS TO ADDRESS THIS CORRUPT BANK. PLEASE REVIEW MY PROOF. THEY DID NOT REPORT MY ON TIME IN FULL PAYMENTS FOR 2020.
Consumer complaint received 2021-10-25
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. (TX)

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

On XXXX I opened a checking account online at Citibank because they are close to where I live and I was behind on rent and my Management company was requiring a cashiers check. I deposited {$4900.00} on XXXX cash in the branch, which was to go to the nearly {$9000.00} I needed to pay toward back rent. On XXXX I initiated a bank transfer to Citibank For {$5000.00} from XXXX  XXXX XXXX. I was going to go to the branch on XXXX to get the cashiers check and the morning of XXXX, Citibank blocked my account and said they would close my account within 60 days and issue a check. I have no funds and just was hospitalized with XXXX  XXXX. Please help. 
I have nothing to live on and have to have a place to live.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (LA)

I transferred money using online westering Union website to a family of mine who reside in XXXX on XX/XX/2021. First, I didn't look at the exchange rate and just sent the money through wester union. The western union exchange rate was XXXX XXXX per XXXX USD. However, after I sent it, I went to look the exchange rate right after and the exchange rate was XXXX to XXXX XXXX Birr. I called to asking why and they told me the exchange rate can changed in a minute. How in this world the exchange rate can be lower by XXXX XXXX
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My x wife open many accounts in my name. They were made her responsibility in our divorce. She inherited this XXXX account and the bill I took responsibility for the XXXX XXXX account. Her name is XXXX XXXX XXXX and lives at XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2021-10-25
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. (NJ)

To whom it may concern : XXXX XXXX  - FHA Loan number XXXX XXXX XXXX social security number XXXX I am having a huge issue with XXXX XXXX mortgage company, they have been reporting to the Credit Bureau for almost two years even know I am in forberance due to COVID 19. I am trying to get back to make payments but I can not refinance, nor modify loans, my credit score is XXXX. 
I have tried to fix this directly with them throughout this time/numerous times with no luck. Everytime I call they add this information to their system, they have notes on my account but for some reason every month I been reported to the credit bureau. 

If someone can please have a serious talk to this company please. I need help I have XXXX kids can not take out loans for the forberance balance. I can not loose my house due to this issue. 

Regards, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

On XX/XX/21, I called NYCB in XXXX, NJ at the number I found on XXXX when looking for banks around my area ( XXXX ). I was interested in opening a checking and savings account so I called to find out what ID they needed from me. I told the woman on the phone that I had my XXXX  passport, a drivers license, a credit card, and an ITIN letter issued by the IRS with my ITIN number. She then started to ask about my XXXX  and if I had a XXXX XXXX like she worked for XXXX. I told this lady I had neither one so she said that she can not offer me a savings account, only a non-interest bearing free checking because I was considered a XXXX customer. I explained to her that I have an ITIN therefore I pay taxes for the interest I earn but she said it was the bank 's policy not to open a savings account for me. 

I would like to know what is the reason behind this. I felt discriminated the entire process and denied a savings account for unknown reasons.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I had a XXXX XXXX  credit card with XXXX. Due to the Pandemic and loss of a job I wasn't making my full payment. They sold my account to Midland Credit Management. I started making payment to them on XX/XX/2021 and was making them every month ( made 2 payment in XXXX XXXX. Than I get a letter that states payment for the full amount or seek a lawsuit against me. I called and gentleman told me they have NEVER receive any payments from me and that I owe the full amount. I told him I'm have cancelled checks! I tried again to speak with someone to resolve this, but they stated THAT I'm lying that they've never received any payments. But, I could stop them from suing me if I paid the full amount! I'm on unemployment, there NO way I can come up with {$3300.00} dollars right now and I think they know it. So, if they sue me in court they will get a bigger judgment against me. Now they have in fact filed a lawsuit against me for the full amount with no payment taken out! I have the canceled checks front and back! They are NOT interested in taking payment they only want the FULL amount right now!
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have been receiving COVID-19 payment assistance from Chase Mortgage, which has been very helpful. I received a letter stating that the assistance was ending XX/XX/2021, and that if I needed additional assistance, I needed to call ( XXXX ) XXXX. I need an additional extension of this assistance. When I called this number, I would be put on hold for five minutes, and the automated system would then say that the lines were too busy, and automatically hang up. I have been attempting to call for over a week now, and it is very frustrating. How can I reach someone to request an extension of my assistance? I am really worried because the deadline is tomorrow.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I haven't received any response within the allowed time provided by the FCRA to my dispute letters. The companies Experian & XXXX have not fulfilled their obligation to provide of the derogatory account ( s ) stated on my credit report.