davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I am writing to formally demand the immediate removal of inaccurate information currently reflected on my credit report, despite prior notifications indicating that these entries were removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are legally obligated to report only accurate and verifiable information. The Federal Trade Commission ( FTC ) has emphasized that credit bureaus are required to ensure 100 % accuracy in their reporting. 

According to recent updates on my credit report dated between XX/XX/year>, and XX/XX/year>, it was confirmed that the following entries were removed : Account : CHILD SUPPORT XXXX VA Inquiries : XXXX XXXX and XXXX Card Services However, I have observed that this information is still being reported on my credit report. This constitutes a clear violation of FCRA provisions, specifically regarding accuracy and the timely removal of closed or disputed accounts. In addition to damaging my credit score and personal financial standing, this repeated inaccuracy subjects your organization to potential legal liabilities under consumer protection laws. 

I demand that you : XXXX. Immediately remove the aforementioned inaccurate entries from my credit report, as previously indicated. 
XXXX. Provide written confirmation of the removal within 15 business days from the date of receipt of this letter.

3. Conduct an internal investigation to prevent further inaccuracies and report back on measures taken to ensure compliance with federal requirements. 

Should you fail to comply within this period, I will have no alternative but to escalate this matter to the Federal Trade Commission and consider legal actions to enforce my rights under FCRA. Please treat this letter as formal notice of potential legal action if the issue is not promptly resolved. 

I appreciate your immediate attention to this serious matter and await your written confirmation of the corrective actions taken. 

Sincerely
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (VA)

Hello. There has been absolutely no change to my credit activity but it has gone down 19 points. The ONLY thing that has changed is that I have repeatedly said I do not want to purchase a " credit boost '' through Experian. This seems to be a recurring theme with Experian. There is absolutely no reason someone's credit rating at Experian would drop drop 19 points when NOTHING has changed and only when they refuse to purchase what the credit agency is selling. This has been an ongoing theme with others who have refused to purchase Experian items, which, the last time I checked, was illegal.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (FL)

I purchased a {$50.00} XXXX XXXX XXXX XXXX E-Gift Card from PAYPAL via PAYPALS website on XX/XX/XXXX. When redemption of the XXXX XXXX was attempted in person at XXXX XXXX XXXX XXXX on XX/XX/XXXX, it was denied and XXXX XXXX stated that they had not honored such cards since XXXX. They further stated that they were unaware that they were still being marketed at all. As it regards paypal, they have refused a refund, stating all questions should be directed to XXXXXXXX XXXX XXXX XXXX. They further stated that the gift card was marketed with XXXX XXXX consent. Thusly, I feel I have been defrauded by both companies. Paypal are marketing a product that can not be redeemed either online or in person and refusing a refund and XXXX XXXX is apparently allowing this. Both sides are liable in this matter, Paypal as the broker for a worthless product and XXXX XXXX XXXX XXXX, who are refusing redemption while no doubt sharing in the ill gotten gains with Paypal.
Consumer complaint received 2020-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

There was fraud on my bank account. Someone used my card for 4 charges, 3 small charges for XXXX totalling {$73.00} and a large XXXX charge for {$2000.00}. I did not make any of these charges. The bank also charged numerous overdraft fees @ {$36.00} each. I filed a claim and the claim was denied in all charges after an 8 day investigation. I did not make any of these charges, the charges immediately issued created a bank fraud hold and the bank approved the {$2000.00} charge while I only had around {$1000.00} in my account leaving me a negative balance of {$1200.00} - this charge should never have gone through or been approved. The bank has not protected my money, they offered to do a 45 day appeal investigation. I have banked with them for 25 years and never had a fraud issue but yet these claims were denied?
Consumer complaint received 2023-08-16
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. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened an account with capital one XXXX of 2019. Payment was due the XXXX of each month. Ive made payments on the XXXX with the exception of XXXX ( due to covid ). Im struggling to make the min payment but still have done so. Apparently the payment is showing as past the deadline on there end. They have changed me late fees for every single month even though I made payment on XXXX. I would like to have the late fees waived so I can make payment. Moving forward I have no issue making payment on the XXXX to avoid the XXXX  policy that they Have. They have refused to do so.
Consumer complaint received 2020-05-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, I had a custodian ban of america account for my child. Without my notice and attention they had started taking XXXX  $ every month from XX/XX/2019. Previous to that for past few years they never charged any monthly maintenance fees. 

This action by BOFA is tantamount to cheating. When the account was opened they never told us there will be an fee for an custodian account. 


Thanks, XXXX XXXX
Consumer complaint received 2020-05-09
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: CONTRACT CALLERS INC (NY)

This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Contract Callers Inc XX/XX/XXXX
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In early XX/XX/XXXX I closed this account. At the time of closing the account I had a credit balance of XXXX. After 3 follow up calls regarding getting a refund for the credit Capital one sends two checks both for XXXX in the last week of XX/XX/XXXX. I call Capital one and provide the information on both checks ( ABA, account, and check number ) and the representative tells me which check to cash. I cash only that check believing the issue was resolved. For safety sake I kept the second check they asked me not to cash. 

Today XX/XX/XXXX I receive a call from Capital one stating the same account is past due with a balance of XXXX + interest in late fees. When explaining to the caller what happened the employee claims he's going to transfer me to a specialist. The next thing i hear is the IVR asking for my card number! I requested a call back which took 90 minutes and the employee escalates me to XXXX who says she is a manager. XXXX listens to the situation and puts me on hold. When she returns she advised me to cash the 2nd check I was previously told not to cash in XXXX and they will 'forgive ' the late fees and interest as if I actually earned them! When I told her that wasn't acceptable I was told there wasn't anything else she or Capital One was willing to do for me.
Consumer complaint received 2023-09-22
Product: Credit reporting 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)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 


TransUnion : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : Bankruptcy XXXX XXXX Bankruptcy Case Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have not had a credit card with Capital One since the year XXXX. Capital One is reporting several accounts to the credit bureaus settled in the year XXXX. I did not have this many accounts with capital one. 

When does the write offs leave the credit reportings? These credit card companies have been reporting write offs since the year XXXX. I want the write off removed from my credit reports. It has been over seven years. It is over seven years and the write offs should be removed. My credit score has been destroyed for many years. I made a settlement with these companies and they are repaid through credit torture. It is seven years over the time and I want the write offs removed.
Consumer complaint received 2023-08-16
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. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have spent a large amount of time over the past five days trying to get the security freezes temporarily lifted at XXXX, XXXX, and Experian. Working with Experian has been nearly impossible. I have accounts with all three, but only Experian 's website goes conspicuously out of it's way to both provide no information on freezing/unfreezing when logged into their site -- instead shepherding users toward a paid locking service. Likewise, Experian 's external freeze/unfreeze website was the only site that refused to accept my log in information. The same was true when I called Experian. Ironically, one of the items that might of tripped up Experian was their own wrong information regarding my father being alive and owning property in California -- he passed a decade ago and has no property.
Consumer complaint received 2020-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (GA)

I have been trying all week to withdraw {$14000.00} in cash that is in my Robinhood Account online. 

Each time I try to withdraw, the company returns a message that reads " Account withdrawal disabled '' and sends a message saying something about the withdrawal failing. I never disabled withdrawals from this account and have no clue why this is happening. I tried to withdraw on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. Each time is returns this message. I even tried to link another bank account and it still returned the same message. 

I have emailed their " customer support '' after each attempted withdrawal. I have received no response from anyone in their company, and have no other way of getting in touch with them. 

My family and I have been planning on using this money towards a down payment on our first home purchase which we have scheduled for this Friday, XX/XX/XXXX. We need access to our money, which Robinhood is not returning.
Consumer complaint received 2020-05-09
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. (MI)

I have contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding XXXX XXXX XXXX XXXX XXXX inaccurate reporting of my account information. XXXX send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my XXXX loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that XXXX send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have not had a credit card with XXXX XXXX since the year XXXX. XXXX  XXXX is reporting several accounts to the credit bureaus settled in the year XXXX. I did not have this many accounts with XXXX  XXXX. 

When does the write offs leave the credit reportings? These credit card companies have been reporting write offs since the year XXXX. I want the write off removed from my credit reports. It has been over seven years. It is over seven years and the write offs should be removed. My credit score has been destroyed for many years. I made a settlement with these companies and they are repaid through credit torture. It is seven years over the time and I want the write offs removed.
Consumer complaint received 2020-05-09
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)

I have not had a credit card with XXXX XXXX since the year XXXX. XXXX  XXXX is reporting several accounts to the credit bureaus settled in the year XXXX. I did not have this many accounts with XXXX  XXXX. 

When does the write offs leave the credit reportings? These credit card companies have been reporting write offs since the year XXXX. I want the write off removed from my credit reports. It has been over seven years. It is over seven years and the write offs should be removed. My credit score has been destroyed for many years. I made a settlement with these companies and they are repaid through credit torture. It is seven years over the time and I want the write offs removed.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XXXX from XXXX due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.
Consumer complaint received 2020-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CA)

This is a recurring problem. 
- ACH and DEPOSIT on the same day before XXXX - Bank does not allow you to deposit in app if the account is overdrawn. Example - Account overdrawn and you try to make a deposit in app - you can not. 
- Drive to bank and make deposit, all within hours of overdraw occurrence and you see the bank fee charge the next day.

- In app message, online message requesting refund - no response.

Complaint 2.

- Told would receive requested letter to forward to vendor within 3-4 weeks. No letter has been received. Did not receive debit card in time to change bill pay wallet information. Vendor charged fees. Vendor is willing to waive charges upon receipt of bank letter that the replacement debit card did not arrive in time to bank customer.

Changing banks is a slow process.
Consumer complaint received 2020-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION (TN)

I purchased item from store, did not deliver the product, wanted to dispute the charge, after contacting the store. Bank stated its fraud when it is not and wanted to shut down my debit card. 

XX/XX/2020 - XXXX XX/XX/2020 - XXXX
Consumer complaint received 2020-05-09
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: Rent Recovery Solutions (GA)

XX/XX/XXXX and XX/XX/XXXX, {$3200.00} contacted the property, property management company, and debt collection which advised I need to reach out to the property management which I have no response and the property that is on my report has fraudulent charges and I have evidence of the correct information but the property no longer exist it has been bought out or went under bankruptcy but information was not provided to the debt collection company.
Consumer complaint received 2020-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OK)

Today I received a Payoff Procedure Disclosure with someone else 's mortgage information, as well as their investor ID. The information I received contained privileged information for another one of PHH Mortgage 's clients. I can only imagine where my personal information is now, or how many people have had their identities compromised from this mailing error. 

I hope to hear how PHH Mortgage is going to better protect my personal information and the information that they compromised of their other clients. This is unacceptable.
Consumer complaint received 2020-05-09
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. (TX)

ALL FTC VIOLATIONS ATTACHED print XXXX  Your Report Potentially Negative show tooltip button XXXXDispute XXXX XXXXDispute  XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX
Consumer complaint received 2020-05-09
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: EQUIFAX, INC. (FL)

I have not received confirmation nor certified testimony that your offices complied with FCRA and all of its mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certificate in testimony that the alleged accounts in Exhibit A are in fact compliant and not subterfuge. Furthermore, for all alleged accounts in Exhibit A to be verified, under sec. XXXX of the FCRA, please provide me with permissible purpose from the creditors, a certified copy of the original contracts with my written authorization and wet ink signature from the creditors, and proof that Ive intiated the contractual agreements with the creditors of the alleged accounts in Exhibit A. Failure to substantiate all claims for the alleged accounts in Exhibit A should result in immediate removal of the accounts from my credit report, under the XXXX, within 30 days. Furthermore, failure to provide valid and accurate documentation would result in being convicted of XXXX. Provide a response with documents within 30 days. *** ( Copied from the affidavit attached ) ***