davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

XXXX XXXX Tried to open a checking account for my daughter at BOA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX United States XXXX XXXX processed to open an account but needed his supervisor approval. The supervisor is XXXX XXXX. 
XXXX XXXX denied our request for opening the checking account. She insisted seeing the original SSN card. We were not notified to bring it to the bank. Not mentioned at all by the bank when we were there making appointment on XX/XX/XXXX. Only asked for passport and a credit card. I offered to provide tax return documents showing the SSN. Firmly refused by XXXX XXXX. I believe she violated bank rules. As explained by XXXX XXXX in an email to my question about the SSN : Unfortunately, once we receive an alert notification that further verification of the legitimacy of the SSN is needed, we are, as explained, required to see proper documentation, be it the SSN card, the SSA letter, or a tax return, with no room for exception. 

Very frustrated by XXXX XXXX, either she is not clear about the bank rules, or she deliberately deny our account open request. Either way is not acceptable. 

XXXX XXXX
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. PORTFOLIO Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2020-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

I had a promotional rate savings account with TDBank. 
The rate was to be 2.50 % for 12 months from account opening. 
As I approached the end of the promotion period I began asking when exactly would my promotion period actually end ( what date ) and what would the new, non-promotional rate be. I sent secure messages to TD via the internet portal, called the retail bank offices, and asked the reps on the XXXX number customer service. I got nowhere. AWFUL CUSTOMER SERVICE. 

Finally, I decided after NUMEROUS inquiries, to close the account by transferring most of the remaining balance to another TD account, leaving just a small balance. 

At that point, with just a few cents remaining in the account, I sent secure multiple messages to TD Bank thru the internet portal asking that my ACCOUNT BE CLOSED and to transfer the remaining balance to my checking account. 

I sent this request on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In two cases I got a non-responsive response from TD ( a canned response ) basically saying nothing. 

In one response from a " XXXX '' on XX/XX/XXXX I was actually told that she could not close my account because it had a balance. So I withdrew the last few cents and repeated my request on XX/XX/XXXX. 

Today I checked my accounts on online and I see that TD Bank assessed me two ( 2 )  {$15.00} service charges on the savings account totaling {$30.00}. 

Now, of course, during all this time, their branches are closed so u can not walk in. 

I called the branch several times, left my name, no one bothered to call me back. 

When you try to call the XXXX number you are put on a long hold to talk to a person. 

Actually, as I type this complain I am on hold now with TD Bank awaiting a live person. 
I've been on hold now for 30 minutes.
Consumer complaint received 2022-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2022, my husband ( XXXX XXXX ) and I went to look at a car XXXX XXXX XXXX XXXX in XXXX NC. We talked with the salesmen about how wed like to trade in my car but only for a good price and that we wanted the price on the car we were looking at, knocked down for cosmetic reasons. The salesmen, XXXX, stepped away for over 45 minutes, then we randomly received emails stating our credit had been ran, without our consent. He ran our credit before even discussing a price with us. Not for my trade in value, or for the price of the vehicle we were looking at. I am absolutely appalled and thrown back that our credit was run without our consent or authorization. Upon discovering this, we decided we would not be purchasing from them and left before theyd get the chance to run it again.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, XXXX and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX i believe it was reporting in error.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

On XX/XX/2019, XXXX purchases were made by my authorised user, XXXX XXXX at XXXX XXXX for the amounts of {$48.00} and {$82.00} in XXXX, NY. All of these items were returned on XX/XX/2019. The items returned were phone cases and screen protectors for the incorrect phone. Refunds from XX/XX/2019 were for {$48.00} and {$26.00}. I am disputing the amount of {$55.00} because I returned all items from the receipts, but was not refunded for all of them.
Consumer complaint received 2023-01-03
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (WI)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my rights even more, in accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the address is inaccurate the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to, 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 furnish a account without my written instructions.

I did not give anybody written instructions for these transactions.
Consumer complaint received 2023-01-03
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)

I've contacted XXXX XXXX & they told me I've never missed a payment, yet TransUnion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd like the account removed at once : XXXX XXXX XXXX Date Opened : XX/XX/16 Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/16 Balance : {$460.00}
Consumer complaint received 2022-07-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (WA)

We had a closing date coming up in 2 days when the lender told us she needed to get an IRS document that usually takes 40 days. She also however said we could waiver the document if we sent certain documents and so we sent them all and asked if we would still close in 2days and she said yes. The next day she turns around and says she still wants the IRS document. We asked her to let the realtor know that closing would not happen. We also told our realtor the same. 

She did not tell the realtor on time and the seller now wanted the earnest money. We told her we would sue her company for the Ernest money and she called the seller and said that they had agreed to a new closing date XX/XX/2022. We asked her again we could close by that date and she said yes. COme XX/XX/XXXX, she sent an email asking for 5 more documents that any lending company asks for in the beginning. 

She has asked for a ton of documents and we think she was trying to just not give us the loan and not be sued by us and was trying to overwhelm us with document requests so she would say we failed to supply the document. As such, when she said she would be able to close on XX/XX/XXXX, we told her that if she failed to close, we would sue for the escrow money. We are now pursuing legal action against her and the realtor. 

XXXX XXXX has been generally unresponsive to emails or texts. Many times we had to reach out more than 3 times before getting a response. Never once did she tell us in advance that closing was not possible before the closing date. We always had to draw it out of her and her team. Also, we got the appraisal report back from them on the day of closing and she said it was because there was an error. However, we had been pushing for appraisal to be done early and she ignored all the messages until I said I would order the appraisal myself.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I applied for my XXXX Capital One credit card for whatever reason my apartment number wasn't included on my address. They said the card was delivered and I think it's in my landlords mailbox. 

I called them twice to get a replacement card, and each time I was met with over an hour hold time. Today when I called, the lady told me she could not verify my identity with the phone number I provided her and that I would need to be transferred and it would only take 2-3 minutes. After waiting for another close to 10 minutes, I spoke for 2 seconds with a new phone rep before the call was dropped on their end. Nobody tried to call me back. I need a replacement business credit card sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Thanks
Consumer complaint received 2022-07-01
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: Agency of Credit Control (CO)

XXXX XXXX XXXX XXXX. 
XXXX XXXX {$440.00} {$790.00} Agency of Credit Control XXXX XXXX. 
XXXX {$1500.00} I never received a bill from XXXX or a phone call verifying my address. I never received an estimate on procedure before I had it done. They turned it over to XXXX and now it's on my credit report. I am willing to pay original amount to XXXX if they absolve my credit report. I am not going to pay for late fees or interest because I had no knowledge of these bills. I have disputed the accounts twice with no results. XXXX was unwilling to work with me on these accounts.
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I logged into my USAA Checking account this past Sunday and saw a {$900.00} transaction through XXXX sent to someone named XXXX XXXX. I checked with my husband, the only other person on the account, and he did not authorize this. I reported it as fraudulent to USAA and USAA said that they had security logs to show it was not fraudulent. Neither my husband nor I know anyone by this name, and neither of us authorized {$900.00} to be sent to them. Anyone that would be able to get access to my USAA account would also have access to my email account since I log onto both accounts at work and at home from the same devices. If one account is compromised, then both accounts would be since they are linked. Since XXXX is a platform supported and provided by my bank for use, why should I be out the money that was taken from my by their program without my authorization?