davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

I was sent a promotional offer from TD Bank offering a {$300.00} cash bonus to open a TD Beyond Checking Account. The offer stated that the account had to be opened by XX/XX/XXXX ( I opened the account on XX/XX/XXXX ), that I had to set up direct deposit and deposit {$2500.00} within 60 days ( which I did ), that I could not have had a checking account with TD Bank in the past 12 months ( Which I did not have - I did have a checking account with them in XXXX ). 

When I opened the account I spoke with XXXX XXXX, a Store Supervisor to ensure that I met and could meet all requirements. She ensured me that I did and that I did qualify for the {$300.00} cash bonus. 

I called the bank after 90 days and they reassured me the bonus was on the way and that it could take up to 120 days before receiving. After 120 days I called the bank again and was told that I met all requirements and that they would contact the correct department to have the {$300.00} cash bonus deposited into my account. 

One week later ( no phone call or explanation form TD Bank ) I called again. After speaking with a representative for quite a while explaining my situation I was connected with the Branch Manager XXXX XXXX. She told me that XXXX XXXX was no longer at that branch and that she would look into my dispute. 

I have documentation of mailing offer and statements. XXXX explained that the mailer says bonus can not be combined with any other offer ( which it does ). I explained to XXXX that I did not combine any other offer with the opening of my new account. XXXX XXXX also reassured me I was not combining this offer with any other. 

XXXX XXXX then told me that I received a {$300.00} bonus in XXXX from TD Bank when I opened up a checking account with TD Bank in XXXX. I told her that yes, I did receive a {$300.00} cash offer from TD Bank in XXXX, but that I was not combining it with this offer. 

There is no where in the TD Bank mailer ( I do have a copy ) where it states that if you previously received a bonus from TD Bank, that you are ineligible for another bonus. 

As previously stated, I have all documentation and believe TD Bank did not live up to the bonus offer sent to me. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-22
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: American Credit Acceptance, LLC (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2020-07-08
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. (NY)

I had a old XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill that I have been paying on for over a year. XXXX XXXX  XXXX was the collection agency. But I worked directly with XXXX XXXX  XXXX to pay it off. I have disputed this before with experian, they always say the same thing. It meets fair credit reporting standards. My first dispute was that the amounts were wrong, but this last time it was that I have paid it off. My original file date was XX/XX/XXXX. The amount they say i owe is {$2000.00}. My account is up to date. I disputed this same thing on my XXXX XXXX credit report and they did thier jobs a removed it. In less than a week.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (OR)

I am writing regarding unauthorized accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication with your organization, these fraudulent items remain on my report. 

The continued presence of these unauthorized accounts has caused me significant emotional and financial distress. These items inaccurately represent my credit history and have severely impacted my ability to achieve critical financial goals, including purchasing a home and meeting my family 's financial needs.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Experian is reporting a wrong account on my credit report no other company is reporting it but experian I asked them to show me proof that the account belongs to me such as a contract with my signature and they did not provide that this account is stopping me from getting a house please help me remove this from my credit report This is a violation of 15 usc 1681e ( b ) They also violated 15 usc 1681s-2 ( a ) & ( b ) .15 usc 1681i ( 5 ) ( A ) ( i ) & ( ii )
Consumer complaint received 2020-07-08
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: Holloway Credit Solutions (AL)

Dear CFPB, I have XXXX  XXXX in my XXXX, so I have a XXXX doctor and XXXX  office I visit to keep on top of it and in good health ( XXXX XXXX XXXX. ) After visiting the XXXX office multiple times with no issue, I get a bill for {$1700.00} dollars for a test I did not receive. The procedure is called a XXXX XXXX XXXX. I called the office to remedy the problem and woman staff member tells me that this happens from time to time, they will take care of it and not to worry. A month goes by and I receive another bill. I call the office again and remind them of the issue and they tell me once again that it will be taken care of. Another month goes by and I receive another bill. I had an appointment scheduled in 3 days, so I decided to speak with them face to face. I have my regular check up and on my way out I speak to the front desk staff and they tell me that they are very busy and that they can give her a message and remind her of the situation. I left the office and went to work. A few weeks later I get another bill. I make another phone call and now that the account is over 90 days delinquent they proceed to tell me that they will not see me again until the account is paid up. I tell them that this is a mistake again and what the other girls told me and she tells me they will look into it. At this point I don't believe her and am fed up, so I decide to seek a new XXXX. The bills stopped coming for a couple months and I think that the mistake has been fixed. Great right! Nope, that's just how long it took to be turned over to a collections agency ( Holloway Credit Solutions ) and the phone calls to start rolling in. In response to all this I decide to use XXXX XXXX to dispute the inaccuracy and have multiple times, I added a consumer statement to my credit report and now I am filing a CFPB complaint. I just don't know what else to do. The mistake happened so long ago, no one remembers me on the phone and if it is investigated, because the mistake was made by the XXXX   office, it is in my file that I owe this money. I do not owe this money, I did not receive a XXXX XXXX XXXX and I am not going to pay for something I did not receive. Please help .... 

Respectfully, XXXX
Consumer complaint received 2020-07-08
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. (AR)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX  XXXX XXXX, XXXX. XXXX.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

To who it may concern, I am requesting that 13 late payments for the account ending in XXXX be deleted from my credit report ASAP. I communicated with Capital One regarding my unemployment status between XXXX. Capital one refused to work with me during my hardship and now my credit has negatively been impacted. Upon gainful employment, I paid my account off in full, however Capital one is refusing to delete the late payments. 

The law states that at no point should there be a late payment reporting to my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. I never gave any consent for these alleged transactions. 

These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b/ Please reverse these late payments from my consumer report and update this account as soon as possible. 

XXXX XXXX
Consumer complaint received 2020-07-08
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. (GA)

I filed a dispute in regards to the incorrect items on my credit report its been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-07-08
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. (NY)

I first want to be clear that XXXX XXXX is NOT at fault here and should NOT be sent any correspondence. The problem is EXPERIAN. Experian refuses to remove a fraudulent collection account from my credit report. I spoke with XXXX XXXX months ago and they sent me a letter agreeing that the collection account in the amount of {$410.00} should be REMOVED from my credit report after their investigation. I then sent the letter to Experian and requested that they remove the account and they still have not. It has been over 6 months and I have been very patient due to covid. The collection account is being reported by XXXX XXXX XXXX. The amount is {$410.00}. Please help me get this inaccurate collection account removed from my credit report.
Consumer complaint received 2020-07-03
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 (PA)

XXXX XXXX is not updating my information to credit bureaus. On XX/XX/2020, I was reported as having a balance of {$200.00} which is inaccurate. However, I do not have a balance and my card is paid off.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

Reference Case # XXXX We were never aware of alleged {$500.00} promotion bonus when we opened the account in XXXX of 2022. The only promotion we had was waiver of monthly account fees due to the large amount of business we gave US Bank. I do see the adjusted interest in the statement. Which is bazaar. Why not name things the way they are : Promotion bonus, for example. But that's not the issue here. THE ISSUE IS SOMETHING THAT COULD BE EXPLAINED AFTER I FILE A COMPLAINT, WHY CAN'T THAT SAME THING BE EXPLAINED ON THE PHONE? WHY ISN'T THIS INFORMATION EASILY AVAILABLE FOR BANKERS ASSISTING CUSTOMERS ON THE PHONE? WHY WOULD THEY PUT ME ON HOLD FOR OURS, THEN DROP THE CALL, THEN TELL ME HOW BAZAAR THIS IS BECAUSE THEY CAN NOT FIGURE OUT WHERE IS ALLEGED INTEREST CAME FROM. WHY? WHY NOT NAMED THINGS THE WAY THEY ARE, SUCH AS A " BONUS FOR OPENING ACCOUNT '' and confuse both customer service reps and consumers??? 

US BANK is spiring out of control, it's the worst bank in the whole nation, their system is set up to cover up illegal practices, as if they are hiding something from their own representatives. You have to waste time to file a complaint every time there is an issue because US Bank representatives are clueless, because their system is intentionally blocking them from seeing the facts in order to help consumers. This is an illegal practice, at best. Maybe, if they named things the way they are, we wouldn't have issues, or simply state the facts in their internal system for represntatives to see and assist.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IL)

I received a year 's free Experian account in XXXX as a courtesy during a well-publicized hack that affected me. I went to check my credit report and signed in, thinking I'd be able to see my credit score for free. This was on XX/XX/XXXX. The page asked for me to update my credit card, I thought for security. On XX/XX/XXXX I received an email saying that my card could not be processed, so I considered the matter of me signing in for a 1-time credit score solved. 

Then I went on vacation, and went to check my account after returning -- I had been charged {$24.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX, neither time receiving a receipt for the transaction. I was a little confused, and so signed on and saw that the company advertises -- in its support FAQ section -- a " money back guarantee '' for credit monitoring services, saying that these were refundable. 

When I called the Experian help line today, XX/XX/XXXX, I was told that these were NOT refundable but bound by terms and conditions -- why advertise a money back guarantee at all?! I escalated to second level support and received one refund of  {$24.00}
Consumer complaint received 2020-07-08
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. I HAD NO IDEA SOMEONE WAS OPENING THESE FRAUD ACOUNTS IN MY NAME. THERE ARE ASLO SOME INQUIRIES FOR THINGS I HAVE NEVER APPLIED FOR. PLEASE TAKE IT OFF. SEND ME AN UPDATED COPY OF MY CREDIT.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2021-10-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

From XX/XX/XXXX, XXXX XXXX, XXXX my credit card with Bank of America was physically used at locations in the surrounding XXXX area as well as across state lines. I did not physically or knowingly make these purchases. My credit card was stolen. I was not notified of these transactions by Bank of America, but I discovered them when I went to pay my monthly bill on XX/XX/XXXX. I have filed a fraud dispute 4-5 times, and have received the same response each time, " As you requested, we completed a re-evaluation of your credit card dispute for {$3700.00} - unfortunately, our decision to decline your fraud claim for this transaction ( s ) hasn't changed. '' I filed a police report with my local jurisdiction on XX/XX/XXXX to report my credit card stolen per Bank of America 's suggestions. My case was suppose to be escalated in XX/XX/XXXX, but I haven't heard or received anything from Bank of America. They continue to charge me interest and expect me to pay the balance. My phone records and computer logins can prove that I was locked down ( per Texas government 's recommendation ) in my house while these purchases were being made in person by someone who was not me or anyone in my family. I have contacted the individual vendors, but they can't release any video footage to me. It must come from an investigative service or the bank.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, I was charged by TransUnion of a {$2400.00} in a very sneaky and misleading way. They also don't disclose it is a monthly subscription. 

The whole think was super sneaky. I was exerting my right on XXXX to check my credit report, TransUnion show a report but no credit score, they do display a page saying clicking the link to get free credit score. After getting into the page, there are two buttons, one is get free score, another is buy your report. 
Of course I clicked the free button, then it ask for personal information for creating an account. At the end, it asks for credit card. It was misleading as if it was part of their proof of identity requirements. 

But then my card was charged {$24.00}, it is even worse that the charge is automatically made monthly. I only figure out when dive into very deep membership areas. 

Of course, they only offer a phone number for support. No email or online chat option means that, leaving me with no proof to back up my cancellation request when they attempt to charge my card again for whatever bogus subscription they are forcing on me. 

I understand Credit Score is not compulsory to be free, but if TransUnion advertised it to be free, it shall be free. It is scam to charge users when advertised as free. 

I am sure I am not the first victim of this scam business model. Please see the posts on XXXX. XXXX  user XXXX  and XXXX  are also victims. 

XXXX XXXX XXXX   Please stop TransUnion exploit the public service to make dirty money. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.