davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

During Covid, I have been out of work. I am a XXXX  by trade, but I had XXXX kids at home with first no school and then two hours a day of school, plus one pre-kindergarten aged, so working wasnt an option. I was already in a balance liquidation program with Chase, with automatic deductions coming out of my checking ; but due to being out of work, I was forced to pause the automatic withdrawals in XX/XX/XXXX in order to make ends meet. I missed two payments in total between then and XX/XX/XXXX, but I thought I was back on track with repayment thanks to a new automatic withdrawal schedule. 

Then, in XX/XX/XXXX, my account was closed and I received a derogatory credit notation. When I called Chase, they said that I had been behind for several months - which I thought I took care of when I entered into the new repayment agreement. I THOUGHT that the account was brought current by doing that, but ACTUALLY, by pushing the payment out by FOUR MORE DAYS - which they TOLD ME I could do and was my original payment date for years - I put myself past due every month. If we had just made a one-time payment on that date, and then kept the XXXX  as my pay date, none of this would have happened - but instead, the person on the phone just moved ALL of my dates and didnt tell me the consequences ( and possibly didnt know them, which may be even worse ). 

I called Chase, and they moved my payment dates back to the 2nd, had me make an extra payment, and updated the status of my account to current with a partial repayment agreement. However, the account is still closed, and Im NOT in a partial repayment plan - Im paying EVERY XXXX  at a 12 % interest rate. I dont think they should be allowed to XXXX XXXX XXXX XXXX XXXX XXXX falsely report the repayment terms to the detriment of my credit ; Im TRYING to get back on track, and they are NOT being flexible in the face of these extraordinary times.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION (DC)

I reserved a hotel for a trip, but I was told that the website was only going to hold {$15.00} dollars until my check in. I got sick and will not be able to travel, so I have been reaching out to the hotel, but no response.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Several inaccurate addresses are reporting on my credit report. I have provided Equifax and XXXX proof of my identity multiple times and proof of residency and they continue to falsely report this information! I have called multiple times to Equifax and XXXX and representatives have been rude. I've been hung up on a few times as well. I've tried escalating the call and waited for a Supervisor for over a hour. Reps have told me fraud happens to everyone and to deal with it.They have changed the dates several times showing current status for inaccurate addresses and put my current residency as former which is clearly inaccurate. They have added so many wrong addresses that Clearly they have mixed up my information with someone else! I have asked them to validate this information and they have not been able to do that! I have been denied credit because of inaccurate information reporting. I have sent both bureaus certified/notarized documents on multiple occasions and its hard to keep up with this extra expense. I disputed this information XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Inaccurate information still reporting as of XX/XX/XXXX.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

My checking account was constantly being charged over draft fees during crisis an still to today, I would call an ask for refund if the charged XXXX to XXXX or more a month they would say well last month we gave you back XXXX dollars when last month there would be XXXX overdraft XXXX several others, they would just taking a small overdraft fee an then I would call next month an they would say we already gave back XXXX last month so your not eligible, I never got a letter from them saying you have to call for help with overdraft fees but they didnt help me anyway, they took thousands from me an still are, I called several branches to ask question an was told that manager is working as teller XXXX XXXX because ppl arent showing up because of virus, I was told same thing in XXXX XXXX short handed ppl dont wan na come in cause virus, cant get works always short handed, took me 4 hrs yesterday to clear a check because no one would help finally after calling corporate 6 times the XXXX nj helped me, how can I get all my overdraft fees returned Im talking thousands of dollars, this is all in New Jersey XXXX XXXX XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

i have submitted several disputes to all the major credit reporting bureaus ( Experian/XXXX ) on my XXXX XXXX account. I've requested several times to look into the inconsistent information being reported. do date all i have received are notifications stating the account has been either updated or verified as accurate. To date XXXX is reporting a completely different account number. I don't even know if this is my account they're reporting. XXXX is reporting a high balance of {$750.00}. Experian is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$1.00}. XXXX is reporting date of last activity as XX/XX/22. Experian is reporting date of last activity as XX/XX/22. XXXX if reporting date of last activity as XX/XX/22. XXXX and Experian are reporting date of last payment as XX/XX/22 but XXXX reports it as XX/XX/22, which again makes me question if this account is even mine. XXXX is also reporting a {$0.00} credit limit. How is a balance owed on {$0.00} credit limit? I am entitled to a fair and accurate report. If this is the same account, why are they reporting different information across all 3 bureaus? I have requested verification and validation of this account OR complete deletion from my credit file. I have received neither.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MS)

I have not supplied proof under the doctrine of estoppel silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2021-08-13
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. (FL)

First and foremost I DO NOT consent to any automated scan response or e- Oscar verification methods conducting your deceptive investigation. I have disputed personal information and there was no change. The personal information that is in correct is the address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX. I have never lived there it is not my address of abode. I am enforcing you to remove the incorrect address. Also I have discovered that the accounts listed below is fraudulent. I have sent in pervious documents including an FTC, XXXX Attorney General Office complaint more than 30 days ago. I am only allowing an internal investigation within the days of 3 24 hours upon receipt for this matter to be resolved and dismissed. I am distress for the time period of this matter to be resolved. I sent in factual documents stating true facts of the unfairness and unprofessionalism. My character was being defame, my information was used without my consent Pursuant to FCRA that is in fact a violation. As a natural person and a consumer I am master, you are the minor and as The Congress implied that Equifax must exercise their grave responsibilities. You are a consumer reporting agency furnishing my personal information without my consent or from a judge. Do you know that is a major violation? I will move forward in filing a law suit. I have attached the documents to be read.
Consumer complaint received 2021-08-13
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: Experian Information Solutions Inc. (MD)

I have been disputing with experian about 5 different accounts reporting on my file. I have submitted a ftc report and the items was not removed. I then asked for the original contract to each account to be sent to me for validation. I have not been sent any documentation in over 30 days and the accounts still remain. It is 3 different XXXXXXXX XXXX XXXX accounts, an account from affirm and an account from citizen. According to the FCRA these accounts are in violation of my consumer rights. Each credit reporting agency is supposed to report the same information across-the-board. Experian is the only ones reporting these accounts. This information is to be deleted for reporting misleading and inaccurate information.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 I moved {$500.00} from my XXXX XXXX XXXXXXXX XXXX account to my new Wells Fargo Savings account. The money was taken out of my account but at the same time my Wells Fargo account was closed. Wells Fargo said the money would return to my old account soon but it never did.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/20 I 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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-13
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. (WI)

Several letters have been written and sent to Transunion, XXXX  and XXXX  in regards to the following duplicate accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The letters dated XX/XX/XXXX have been sent certified mail and more than 30 days have went by with no response from all. Proof will be attatched. 

1. XXXX ; Account # : XXXX ( reporting on XXXX  ) 2. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  I ) ; Account # : XXXX ( reporting on Transunion , XXXX  ) 3. XXXX ; Account # : XXXX ( reporting on Transunion , XXXX  , XXXX  ) 1. Sent certified mail to XXXX  for accounts XXXX ; Account # : XXXX AND XXXX  XXXX Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 2. Sent certified mail to Transunion for account XXXX  ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 3. Sent certified mail to XXXX  for account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Outside of having proof that several letters have been sent and ignored this is a FCRA VIOLATION to have the same account reporting multiple times. 

There are also several errors amongst the same exact accounts as follows : XXXX. XXXX ; Account # : XXXX ( reporting on XXXX  ) is reporting a high credit of {$9200.00} AND XXXX  ; Account # : XXXX ( reporting on Transunion, XXXX, ) is reporting a high credit of {$18000.00} 2.XXXX ; Account # XXXX XXXX ( reporting on Transunion, XXXX, XXXX  ) ; Transunion and XXXX  are reporting a high credit of {$18000.00} and XXXX  is reporting a high credit of {$0.00}. 

3. The date of last active are reporting different dates between all 3 of the same accounts. Makes absolutely no sense.

4. The date of last payments differ between all 3 of the same accounts. For example ; XXXX ; Account # : XXXX ( reporting on XXXX  ) is reporting date of last payment as XX/XX/XXXX AND XXXX ; Account # : XXXX ( reporting on Transunion, XXXX XXXX ) XXXX is reporting date of last payment as XX/XX/XXXX. 

THERES WAY TOO MANY ERRORS THAT I CAN GO ON AND ON ABOUT. AND THESE ARE SUPPOSED TO BE THE SAME ACCOUNTS??? HOW??? THERE IS NO POSSIBLE WAY THESE ACCOUNTS WERE VALIDATED AND VERIFIED FOR ACCURACY. DELETE ALL 3 ACCOUNTS
Consumer complaint received 2021-08-13
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: Experian Information Solutions Inc. (GA)

This is a formal complaint against XXXX, Experian, and XXXX. I have disputed XXXX  XXXX and XXXX accounts several times but they simply refuse to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that all these credit reporting agenciescould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 


Account Name : XXXX  XXXX Account No. XXXX Balance : {$170.00} - I have disputed this on XX/XX/XXXX, but I still see the date of last payment reporting inconsistently. XXXX  is reporting XX/XX/XXXX, while Experian and XXXX  are reporting XX/XX/XXXX. 


Account Name : XXXX Account No. XXXX Balance : {$0.00} - The high balance is still reporting inconsistently. I have disputed this account on XX/XX/XXXX for the reason that the date of last activity is reporting XX/XX/XXXX in XXXX, and XX/XX/XXXX in Experian.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (LA)

On XX/XX/XXXX, I received notice that Credence Resource Management is trying to collect {$1000.00} from a fraudulent XXXX XXXX XXXX account XXXX created in my name that I didn't open. The fraudulent account number is XXXX created on XX/XX/XXXX and closed by XXXX XXXX XXXX XXXX XX/XX/XXXX for non-payment. This account is FRAUDULENT and was created somewhere in XXXX ; I live in XXXX  and I haven't been to XXXX nor have I authorized anyone else to open such an account.
Consumer complaint received 2023-11-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation (MO)

Sometime inf XXXX XXXX Regional Finance APPARENTLY sent me a check for {$3000.00} via mail. In XXXX, they started calling me asking about my payment on the account. I said " what account?, I don't have an account with you '' She said, well, we sent you a check in XXXX, I told her right then, If I had received a check, I would not have cashed it, as we were doing fine, financially at the time..I would have torn it up. 
She said, this must be fraud and she would send me form to fill out to claim the fraud. They did send the form requesting all of my personal information, social security number, Dr. license, etc. I took the form to police department to get a police report and they looked on their computer and said this was a scam and they were trying to get information from me. They thought they might be preying on the XXXX 
Regional Finance has been calling me 4-5 time a day on my cell phone and have harrassed me at work. It has been extremely upsetting. A lawyer sent them a cease and desist letter, but they keep calling and have reported to my credit report. I'm not sure how they got my social security number. XXXX at Regional Finance is saying I need to come to XXXXXXXX XXXX ( 90 miles from here ) to sign a fraud form, but I don't feel like it is my fault they decided to send a random check ( written to XXXX XXXX ) whoever that is. They have screwed up my credit now and I'm hoping to get help getting them to stop! I would like to keep other people informed about this company, as well.
Consumer complaint received 2021-08-13
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: NAVY FEDERAL CREDIT UNION (PA)

I was traveling somewhere in XXXX of this year and had stepped in a local branch to get some information on how I can prepay my account so I dont end up getting any late fees or reporting on my credit report. One of the team members told me I could prepay the account so I dont have to worry about late fees or negative reporting. long story short, I got a late fee plus nagative reporting even though I prepaid the account. I need the negative reporting be removed off my credit report as I was given the wrong information.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

HSBC Bank provided misleading bonus advertisement. It sent me an email on XX/XX/2020 saying that I would receive {$15.00} per month for 6 months if I made 10 debit transactions. From XXXX  to XXXX  I made at least 10 debit PURCHASE transactions each month, but HSBC refused to pay out the {$15.00} per month bonus, claiming that these didn't qualify. All of the transactions I am referencing coded as Purchase on my statements. They did not code as cash advance, ATM withdrawal, or balance transfer as HSBC claimed. They can see the statements themselves.

email from HSBC To qualify for the Card Transaction Offer ( " Card Offer '' ), up to {$90.00} ( {$15.00} max
per month ), you must have an Eligible HSBC Mastercard Card ( " Eligible Card ( s ) '' ) issued to you by HSBC Bank USA N.A. and complete at least 10 eligible new purchases per calendar month using your Eligible Card ( s ) during the Promotional Period. Eligible Card ( s ) includes HSBC Debit Mastercard card ( s ) linked to your HSB XXXX checking account and/or HSBC Mastercard credit card ( s ).
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Late payments : Account Name : XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I remember paying this account on time. I am not sure how I was late in XXXX, XXXX, and XX/XX/XXXX, it didn't even match the creditor 's records. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I do not recall being late in those months. This was paid on time, I am not sure how the credit bureaus do their investigation but I've disputed this account a couple of rounds of letters now and the bureaus are still not updating the reporting of this account. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XX/XX/XXXX I do not recall being late in XXXX and XX/XX/XXXX. My statements could have been delayed during these months, but this has always been paid on time. 


Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Dates of late : XX/XX/XXXX and XX/XX/XXXX I was not late in those months. I have paid this on time.. This needs to be corrected.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: N26 Inc. (NY)

N26 BANK DISCRIMINATES AGAINST THEIR MINORITY CUSTOMER BASE.N26 BANK IS NOT INCLUSIVE ; their customer service rep even asked if I am XXXX, n26 bank discriminates against military personnel, active/retired. For the past two months, I have contacted N26 bank to dispute my charges & N26 refused to assist me. Customer service reps purposely stalled initiating disputes to put my account outside the timeframe allotted to dispute charges. I HAVE PROOF THAT I SENT Proof TO N26 REGARDING PAYING BY OTHER MEANS. I have contacted N26 via social media, EMAIL & I HAVE RECORDED CONVERSATIONS RANGING FROM 2 months ago to two days ago. N26 BANK HAS PROVEN THEY ARE CONSISTENT WITH FAILING TO SERVE THE CUSTOMER AT THE LOWEST POSSIBLE DENOMINATOR. THEY LOCK CUSTOMERS OUT OF THEIR ACCOUNTS, PREVENTS CUSTOMERS FROM DISPUTING TRANSACTIONS, & ISSUES GASLIGHTING, PROJECTING, AGGRESSIVE RESPONSES FROM " XXXX ''. I AM A VICTIM OF N26 BANK 's DISCRIMINATORY/RACIST BANKING PRACTICES. I AM A VICTIM OF THE N26 FRAUD.