davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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: CCS Financial Services, Inc. (MO)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX  to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX GA XXXX {$3600.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On or around XX/XX/2021, I disputed inquiries from XXXX XXXX Auto Finance ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), The XXXX XXXX XXXX XXXX ( XX/XX/2021 ), and  Capital XXXX ( XX/XX/2021 ) with TransUnion to no avail as evidenced by the return receipt. In addition, I contacted the creditors via written correspondence as evidenced by the return receipts, and they could not verify that I completed an application with them. TransUnion failed to investigate this matter or show me any proof illustrating that these creditors had a permissible purpose to access my credit file ; and as a result, my credit has been adversely impacted. TransUnion failed to confirm that the above referenced creditors had a permissible purpose to access my credit file. In fact, I previously disputed an inquiry that TransUnion allegedly verified, but the company, XXXX XXXX, communicated that it was an error and it would be removed as illustrated by the enclosed.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX XXXX first regular letter sent to Capital One headquarters, no response. XX/XX/XXXX XXXX certified letter ( XXXX ) sent to Capital One headquarters, no response. XX/XX/2021 second certified letter ( XXXX ) no response. Both addressed to the CEO XXXX. Refusing to resolve issues at hand. Capital One requested information proving I ( His son ) was eligible to make account adjustment in my fathers behalf who is a XXXX veteran. Information was sent via email and later was told this wasnt the correct way to submit the Information. Capital One refuses to respond to my fathers request in regards to getting this issue resolved.
Consumer complaint received 2021-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion is reporting a credit inquiry on my XXXX XX/XX/XXXX I am writing to request credit inquiry that were unauthorized be removed from my credit report.
Consumer complaint received 2022-05-26
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. (MN)

I have disputed the inaccurate information on my credit report multiple times. I have attached multiple documents to support the removal of the reporting inquiries. I have spoken with several people in the fraud department who assured the issue was resolved.
Consumer complaint received 2021-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I am XXXX XXXX the consumer defined in Truth in Lending Act as a natural person, not a dead corporation. FIFTH THIRD BANK has violated numerous consumer right violations. I XXXX XXXX recently sent a cease and desist certified mail and I will attached the receipt and return receipt. They still contacted me through mediums like USPS which is a violation of the FDCPA of my cease and desist and mail fraud. I entered in a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2021. The attached documents will show you that I was charged a finance charge of {$8900.00} which is the sum of all charges. So I shouldn't be responsible for paying on anything other than a finance charge. Truth and lending never define what a loan is so why is XXXX XXXX XXXX sending me bill of costs with positive balances saying I should pay them for a loan which is also misleading information. A loan is the obligation of the United States of America. I do not pay on positive balances. A debt collector defined in FDCPA means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. FDCPA states that debt collectors  can not acquire consumers location without the consumer consent. I never gave XXXX XXXX my information. I gave it to XXXX XXXX TX, XXXX and not XXXX XXXX XXXX. XXXX XXXX XXXX also violated my consumer rights under FDCPA by trying to threat me to make payment or they will take my property. XXXX XXXX XXXX said they are not governed by the FDCPA which is false and misleading information which can result in FIFTH THIRD BANK Being Liable for damages. FIFTH THIRD BANK sending documents saying they will seizure, garnishment, attachment, or sale of any property is a FDCPA Violation that results in my remedy. FIFTH THIRD BANK sent me coupon book. Defined in Truth in Lending Act 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My debt should be paid by my coupon books. FIFTH THIRD BANK also reported negative and misleading information on my consumer report after I send a cease and desist order.
Consumer complaint received 2021-09-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I opened a credit card through XXXX XXXX XXXX XXXX  for the purchase of a couch. I made my monthly payments on time and have owed a XXXX balance on this card for SEVERAL months prior to receiving a letter on XX/XX/2021 from XXXX XXXX  stating they decided to close my card due to reasons that do not apply to me. I haven't owed them, I paid on time and yet months later they ran a credit score on me and made the decision to close my card based on my score being XXXX ( which their documentation states XXXX is within range ). So they damaged my credit score further by this decision. I want that corrected. Customer service told me today when contacting them " no one will ever be able to fix the error, the business decision was made based on the details in the letter, I can not help you ''. 
This is BAD business to damage my credit when I was paid in full and on time with this bank. There seems to be no one to contact within the bank that made that decision to appeal or discuss this with, also BAD business. 
I recently was diagnosed with stage XXXX XXXX XXXX and owe approx. XXXX in medical bills. Other than that I pay my bills on time so why can a bank take from your credit but not repair a problem or points back when a consumer doesn't warrant the bad credit mark? Who can I report XXXX XXXX  to for making this decision and damaging my credit score when I was paid in full with XXXX balance?
Consumer complaint received 2022-08-16
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. (NY)

In accordance with the Fair Credit Reporting Act Conversion for Accounts my rights have been violated for accounts ; # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written authorization instructions
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

MyXXXX bank card has been anightmare. I was in the hospital for a week in XXXX recovering from an XXXX XXXX. I was obviously preoccupied and my autopay used the wrong debit card. My minimum payment was only {$45.00} and I could easily pay that. ( I am a XXXX  XXXX XXXX XXXX making about XXXX a month ). Once I was home from the hospital, I saw the payment got returned. So I immediately logged intoXXXX to pay the {$45.00}. 

I could not login. I found out they closed my account! I had never missed a payment with them or any creditors. This was completely unwarranted. Not only that, but they suspended my account access. Without being able to access my account, I couldn't pay them. 

Then they started calling me 10x a day. I was so scared I kept trying to block them but they'd call me from different area codes. I had to block calls on my phone completely. I've missed so many important calls from friends and family because of this. This has gone on for 4 months. 

They now marked me 120 days late so far on mycreditreport. I've never missed a payment from any of my creditors before. Mycreditscore is lowered because of mycreditutilization, but my payment history was always 100 % for my entire 10-year credit history. I have XXXX  on time payments since XXXX ( age XXXX ) to now ( age XXXX ). Now my payment history is ruined over {$45.00} dollars a month and I still can't access my account to pay them. 

Update : A full 4 months later they restored my account access and I made a payment today which will be reflected shortly. 
I now want my credit report updated to show that I never made any late payments considering this was not my fault and there was nothing I could do. I also want all fees and penalties removed from this ordeal. I will only pay the balance that I owed in XX/XX/XXXX before my account was blocked. I am now in contact with a lawyer.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Approx. XX/XX/XXXX, problems using my on-line account Bank of America , my accounts were not available for view. 
Called and spoke to XXXX in XXXX, he told me there was a " known issue '' in linking the accounts to my email and that a technical ticket had been issued. 
XX/XX/XXXX, issues persist to access my money on-line. Called XXXX spoke to XXXX ( maybe in Maryland? ) he advised the accounts were being closed, there was no other information provided or known. 
XXXX, at XXXX XXXX I go to the branch at XXXX XXXX XXXX, XXXX, NV XXXX to withdraw money. Teller tells me I needed to call ahead, I advised her the money was in my account that I wanted to withdraw. She starts the cashier check procedure, then stops, advises I need to speak to the manager. The manager disappears for some time on the phone, finally returns and leads me to the office of XXXX ( Relationship Manager ) and advises her name is XXXX the Manager, that all my accounts will be closed. There is no further explanation as to the procedure, where or when funds will be dispersed. XXXX tells me I am NO LONGER allowed in any branch! They tell me to call XXXX. I tell XXXX they are not allowed by Federal Law to keep me from my money for over 2 days, she answers they can when closing the account. She doesn't care and is not professional. 
XXXX I call XXXX. After several questions I am referred to a login that doesn't work. The person on the phone advises she can no longer help and advises me to go to a branch. I told her XXXX said I wasn't allowed in any branch. She tells me I should be able to get resolve in the branch. 
XXXX I call my Congressman XXXX XXXX and speak to XXXX. She refers me to the OCC. I have tried several phone numbers, XXXX, XXXX, NONE of them are working numbers. 
XXXX I have limited view of my online account at Bank of America. It appears from what I can see my money might still be there, so I am attempting to transfer it to another bank. I am not sure there will be success, if the money will be pulled back. 
I call XXXX at XXXX XXXX 's office again and she attempts to call BofA, they don't answer. She advised I need to sign a Privacy Act Consent Form, but has no authority to cause the bank to act and again advises to contact the oversight office, Office of the Comptroller of Currency. 
XXXX All attempts to reach the bank are unsuccessful. Phones are not answered or not connecting or no information will be given, period! 
I have had no access to my money for over one week, with no end in sight, and no access to information. This is at a critical point because of the extremely high amount, over XXXX that they are holding. It appears they are not acting responsibly nor in good faith!!
Consumer complaint received 2021-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

ive already contacted transunion to initiate a dispute and noticed their not quick at there turn around process. so i did what could to reach out to the company 's on my end ike TransUnion rep told me to do. i call one main local office and dealt with the office manger and district managers and also someone from the corporate fraud team. that didn't get me anywhere. so im filing this complaint because im mad at transunion and onemain. i am trying to get something removed from my credit report as a result of fraud and identity theft and if it doesn't get removed with in 60 days i'll start a civil lawsuit. last chance. i shouldn't have to live like i do with these scammers and stealing my identity and harassing me emery and no one 's doing anything about it not locally not statewide not federally. hope you can since that im a bit irritated,
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have been with Capital One for about a year. I started with a prepaid card until I had a credit record that would let me convert to a regular card. I pay the balance in full every month and I am never late. In XX/XX/2021, I received a notice that my payment was due on XX/XX/XXXX. When that day came, I got a notice on my phone to pay card bill of {$1000.00}, which I did immediately. This money is paid from a brokerage account. The payment was posted on the XXXX of XXXX. Yesterday, XX/XX/2021, I looked at my brokerage account and found there were two identical payments to Capitol One for {$1000.00}. I called their Customer Help line and I was told this happened because I " have AutoPay ''. My question was, " if I have AutoPay, why do they send me a notice to pay my bill? " I contend this is a not so legitimate way for the bank/card company to take more than they deserve. When I asked for a refund, I was told that would take 15 days. In my mind, that is two weeks, but he corrected that it was business days, now three calendar weeks. He said they would have to pay with a paper check and it may take a week to get to me. Now it is four weeks for the refund, you know.the money they took wrongly. They got the money I owed in a day. 

One last thing. The money they took was not a small amount, and actually it was just luck that they did not overdraw my account or drian it to the degree where I was left destitute. This arbitrary taking is wrong on so many levels that I can not begin to enumerate. Its selfish, greedy and shows no concern for their customer 's financial condition. 
But I'll try... 

Capital One is wrong in that they misdirected me with the phony payment due notice, knowing full well that I had AutoPay. 
Capital One had the money wrongfully taken for two weeks and never said a thing to me. 
Capital One refused to issue a refund immediately, taking their sweet time to issue a paper check and delivered by the slowest means available today, The US Post Office. 
I pointed out to their Service person that when the next Capital One bill is due, I'll process their request, taking three weeks to do that and send along a paper check, which will take a week to arrive... .will that be acceptable? 
" NO '' " Then what makes it acceptable to me? '' No answer
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (MA)

I transferred money from an online platform called XXXX to an expired account I held with Citibank on XX/XX/XXXX. The account with Citibank was closed sometime in XXXX but was still saved in my list of accounts with XXXX. XXXX gave me the ARN number to track the transfer with Citibank as it didn't bounce back. However, the financial institution Citibank failed to comply and consistently refused to check the ARN number. The ARN number is the following : XXXX XXXX sent me a log of the transfer events for the transfer that is marked as complete on their end for an amount of XXXXUSD on XX/XX/XXXX at XXXX XXXX. I can provide my expired account number, routing number and the last 4 digits of the card if it can help retrieving the amount or forcing Citibank to comply with their fiduciary obligations and check the ARN/provide a full log of events.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OR)

BBVA acquired my checking account from Simple. I had overdraft protection with Simple. BBVA deactivated my overdraft protection without notifying me, and are now trying to collect fees for repeated overdrafts that I would have taken care to avoid if I had the foreknowledge of their activity on my account.
Consumer complaint received 2021-10-05
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. (MO)

I have written to both all three credit reporting bureaus ( XXXX, Experian and XXXX ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on XXXX but XXXX shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on XXXX but XXXX shows last payment made on XX/XX/2018. Also the phone number on XXXX shows as ( XXXX ) XXXX but on Experian as ( XXXX ) XXXX.