davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I received a promotional email from TD Bank offering a Savings account with 2.5 % interest rate guaranteed for 12 months if I open it online and deposit {$20000.00} or more before XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter from TD bank confirming 2.5 % rate. 
On XX/XX/XXXX, I received an email from TD bank confirming the rate of 2.5 %. 
I opened an account online and deposited more then {$20000.00} in XX/XX/XXXX. 
One of the other conditions was to link a checking account to my account which I did and to make at least 3 transactions per month which I did by transferring money from my checking account to my savings account. 
To my surprise, TD Bank only paid me 1.49 % for the month of XX/XX/XXXX and 1.49 % for the month of XX/XX/XXXX. 
I called TD Bank on XX/XX/XXXX at XXXX XXXX and spoke to XXXX. She looked into the account and informed me that I met all requirements and she was going to request to change the rate to 2.5 % and it will take 3 to 5 days. I requested that I am paid interest retroactively since I met all the requirements and she told me that she will put in a request. 
Today, XX/XX/XXXX, I checked my account through my app and it still shows 1.49 % interest rate. TD Bank did not credit me back for the interest owed. 
I put in a call to TD Bank on XX/XX/XXXX at XXXX XXXX  and spoke to another representative and she informed me that I won't be getting interest paid retroactively. 
This is bait and switch and I am appalled by this actions from TD bank. I demand that they pay me interest as advertised from day 1.
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

On XX/XX/2020, I spoke with Southwest Credit Systems XXXX XXXX XXXX about my debt balance of {$420.00} that was originally a debt with XXXX. I explained to them that my information should not have been transferred to them because the debt was with XXXX. However, Southwest Credit Systems agreed to pay for deletion in the amount of {$210.00}. I paid the {$210.00} to settle and have the debt removed but the debt is still listed on my credit report as negative status.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CA)

This is the last negative on my credit report after winning a court case against XXXX XXXX bank who's Bi-lingual tellers were running a frauduent ring of crime from car stereos to even mortgages. I have contacted them multiple times. They moved from XXXX and sold it to another out fit called " XXXX XXXX XXXX XXXX XXXX '' and then it finally ended up with Security Credit Services. After doing my homework i quickly realized that all three business are using the same answering machine service with the same message that states they are too busy assisting other customers and to please leave a message. I left 10 messages and was never contacted then I sent a threatening email to them and they responded giving me the same phone numbers I had already been calling in a constant phone loop, They then told me they couldn't handle my case and then i said you need to remove it from my report and they said they had no way to anymore ( and I was even willing to pay it i'm trying to buy a house ). So they are running a complete racket and you will not be able to get a hole of anyone and if you sign up on their website you will be able to see your old debt but you can take no action because its been sold to security credit services who is NOWHERE TO BE FOUND OR CONTACTED!
Consumer complaint received 2021-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (TX)

Approximately on XX/XX/2021 I applied for a Job with XXXX. I passed the drug test and was waiting for my background check. When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. When I called the credit reporting agency the first two reps refused to open a dispute and told me I can dispute it after my arraignment. I subsequently called again and was able to open a formal dispute. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a person of XXXX, and this industry wide practice is not only unfair but will put persons of XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. 

In addition to XXXX, XXXX also ran a background check from XXXX XXXX  again by CHKR and now my ability to do contracting work is also affected. I will open a formal dispute with CHKR as well but the description is the same.

" When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a person of XXXX, and this industry wide practice is not only unfair but will put persons of XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. ''
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am the recipient of direct XXXX  from Huntington Bank. I have a high net worth, high credit score, mortgages with plenty of money in the bank and no missed payments, overdrafts or late fees. I am a model customer that any bank would be proud to have. During a closing for a business building, I was asked in a rather snarky manner from a XXXX Huntington bank closing person if I was there as a security person, in front of my real estate agent and others in the closing meeting, which was inappropriate and directly XXXX since I am XXXX American. Within 30 days after this encounter, I received several letters from Huntington Bank in XXXX, OHIO informing me that my business accounts, personal and savings accounts would all be closed. Upon follow up phone calls, I was told NOTHING! I did further research and I can see that Huntington Bank has called the police on XXXX customers trying to cash checks, have denied loans, talked poorly to XXXX and have discriminated against XXXX Americans. This is unacceptable, and I am in the process of filing complaints with the Federal Reserve. XXXX Huntington Bank! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

On XX/XX/XXXX The debt collector filed a garnishment against me for {$3200.00} without deducting the {$2100.00} that he had previously received On XXXX XXXX from XXXX XXXX XXXXXXXX. The lawfirm also received money from XXXX payroll from my previous employer in which I will provide soon.. According to FDCPA this is clearly a violation because they must not misrepresent the amount you owe.
Consumer complaint received 2020-11-26
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)

remove all the FTC or FCRA vioaltions quit putting back in another name : this item was taken off 3 previous FTC violatins XXXX XXXX XXXX Account XXXX Account TypeCollection XXXX  Date XXXX2020 StatusCollection account. {$1900.00} past due as of XXXX 2020. 
Status UpdatedXXXX XXXX attach will prove of the above statement all FRCA vioaltins they didnt even notify me before they put it back on law requires them to do so
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

I called XXXX to remove the debt from my credit report. It has been paid 6+ months ago and has not come off, even after phone calls to stop reporting. I am purchasing a home and it is directly slowing us down.
Consumer complaint received 2021-10-02
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. (NC)

The credit reporting agencies are reporting false and misleading information. They do not have the proof or documentation to prove that the account that they are reporting as late is late. You have violated my rights on many occasions within this incident. I would like the late payments to be removed immediately or litigation will filed in small claims court.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I applied for, and was approved for, a mortgage. We went all the way through the loan process, issued the 72-hour CD, assigned a Title Company and Closing counsel who set up the closing date/location. Closing counsel also insisted that I wire all of the closing funds to her the day before the closing, which I did. On the day of the closing Wells Fargo left me - literally - sitting at the closing table and did not show up with the mortgage funds. It defaulted on the committed loan and put my deposit at risk - as well as my moving expenses - with no explanation and for no apparent reason. 

I filed a complaint with OCC, which referred me to CFBP. You contacted Wells Fargo and it issued a letter, which included no explanation whatsoever as to respond to why this happened, and refused to compensate any of my expenses, including the attorneys fees that I had to pay to the Wells Fargo lawyer who was holding all of my funds!. They pretended to not even know who their own agents are or why the closing process required the funds to be wire-transferred. Apparently CFBP acts only as a messenger service to shuffle complaints and responses back and forth, and does not act even when the response clearly does not address the complaint. I would never have imagined that a major bank could be this irresponsible, or that there is no government agency that is willing to take notice and protect the consumer.
Consumer complaint received 2022-12-27
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. (NY)

In my credit report from XXXX, Transition, and XXXX. They are showing 2 or 1 fraudulent accounts which is : XXXX XXXX XXXX Other {$450.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details. 



and XXXX XXXX XXXX XXXX  Credit Cards {$600.00} Status Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$600.00} Account Details. 

Those fraudulent accounts are not mine and I want those accounts to be deleted completely off my credit report.
Consumer complaint received 2022-09-20
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. (FL)

XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 

I have not provided written consent to report nonpublic information to third parties. 

Consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX via third party reporting agencies who have no lawful standing for violating my rights to privacy.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted Capital One on XX/XX/XXXX and spoke with XXXX XXXX ID # XXXX regarding account # XXXX. The information that was given to me by the agent wasn't being reported accurately by the 3 major credit bureaus. 1. ) The opening date isn't properly being reported correctly. XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX. 2. ) High Balance - XXXX : {$370.00}, XXXX : {$370.00}, XXXX : {$0.00}. 3. ) Last Date of Payment - XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX. 4. ) Missed Payments - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 5. ) Credit Limit - XXXX - {$300.00}, XXXX- {$300.00}, XXXX- {$0.00}. 6. ) Minimum Payment : XXXX - {$35.00}, XXXX- {$35.00}, XXXX- {$35.00}. ) Past Due : XXXX - {$0.00}, XXXX- {$0.00}, XXXX- {$0.00}. 8. ) Date of Last Active is reporting inconsistently. XXXX - XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX 
THE INFORMATION THAT I JUST PROVIDED YOU IS REPORTING INCORRECTLY ON MY CREDIT REPORT. 
XXXX XXXX ID XXXX provided me with information that doesn't compare to what the credit bureaus are reporting. The Opening Date is XX/XX/XXXX, The High Balance is {$370.00}, Date of Last Payment is XX/XX/XXXX, Credit Limit {$300.00}, Minimum Payment is {$25.00}, Past Due {$85.00}. Missed Payments XXXX, XX/XX/XXXX. The Date of Last The Credit Bureaus aren't properly reporting accurately and consistently. 
HOW IS THIS EVEN POSSIBLE. The credit bureaus get the same information from the same creditor, but some how aren't reporting accurately. Something has to be done immediately.
Consumer complaint received 2022-10-20
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. (TX)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 168b Permissible purposes of my consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2021-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (WI)

I was infected with XXXX XXXX in XX/XX/2020, I was not able to work and really keep up with any of my daily functions. Keeping tabs of my bills was one of them and received a late payment to my credit report during this period. I called Chase Freedom credit card to tell them the situation but they did not want to help at all. I had almost perfect credit score and since then has dropped dramaticly.
Consumer complaint received 2020-11-27
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. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2022-04-14
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. (CA)

On XX/XX/XXXX I sent certified letters to Transunion, XXXX and XXXX about an incorrect and fraudulent account showing on my credit report. I also sent a request to XXXX which is the company reporting the inaccurate information with no response from either. I asked transunion and other two agencies to verify that they had the right person and or correct account. I haven't heard anything from Transunion or any of the bureaus. XXXX has not verified any information either. I sent this request also in XX/XX/XXXX again in XXXX and just recently XX/XX/XXXX. Some my return cards that they received never even came back to me. I was able to verify online they did in fact. received. I do have all my initial receipts.
Consumer complaint received 2020-11-02
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: TRUIST FINANCIAL CORPORATION (TX)

To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXXXXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.