davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XX/XX/2021, I deposited a check to my Capital One 360 account via mobile deposit in the amount of {$430.00}. However, Capital One 360 accounts are designed in that whole dollar amounts must be deposited- no cents. 
I have had a Capital One 360 account for over 4 years. Because Capital One 360 Accounts are designed as online banking accounts, this is how they are set up. 
So if the cents is over {$0.00}, I typically round the check up to the next whole dollar amount. And if the cents of the check is lower than {$0.00}, I generally round down. So when I deposited the check in the amount of {$430.00} on XX/XX/2021, I rounded up and submitted the whole dollar amount of {$430.00}. 
Again, I have typically deposited checks this way for years. Suddenly, on Monday, XX/XX/2021, ALL of my Capital One accounts- in which I have 4 of them- were frozen. Upon realizing that my XXXX XXXX payment made on XX/XX/2021 was not withdrawn by XX/XX/2021, and my accounts were still frozen, I called Capital One. The first time, an agent said that there was a recording that I needed to listen to and forwarded my call to a recording that said to call back the next day. I immediately called back and an agent couldnt explain why all of my accounts were frozen. He said that the check cleared in the amount of {$430.00} but was submitted for {$430.00}. I explained to him that cents can not be deposited and I rounded up to {$430.00}, the next whole dollar amount, as I have always done. I told him that Ive had this account and deposited this way for over 4 years now, so I was perplexed as to why my accounts were frozen and no deposits could go in or money come out. He said that it was a system error. I voiced that I felt that I was being retaliated against for reporting my Capital One credit card for illegal activity in XX/XX/2021. Again, they could not explain why the check was flagged and ALL of my accounts were frozen ... for 5 days.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XX/XX/XXXX I had XXXX XXXX XXXX call me and told me they had approved me for a loan. I did research and thought this man that called was an honest and true lender. I gave them my account and routing numbers well this man somehow figured out my mobile banking information and decides to mobile deposit a fraudulent check into my account for XXXX. He made the check to me XXXX XXXX, but signed the back of the check with a different last name that I have never had. HSBC then proceeds to lock my cards and my accounts both checking and savings and are still locked today. I for the last month have heard that they were closing my account and sending me a check. Because I work for the state of GA we only are paid on the XXXX and Last working day of the month that was two checks in the bank they are holding hostage. I could not buy my kids XXXX, my daughters XXXX  gifts, cant pay bills, and had two cars taken from me because I had no money to pay for them. I have screen shots where I have chatted with the bank and them saying i would have my check in 2-3 days and yet nothing. I have spoke with customer relations reps but they refuse to close my account. I need that money desperately. I am a single mom and I am behind on everything now. Im having a XXXX XXXX XXXXXXXX in XXXX different days XX/XX/XXXX and XXXX so I will be out of work. Please help me.
Consumer complaint received 2022-11-15
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: Mercedes Benz Financial Services (CO)

Account Number : XXXX Company Name : Mercedes-Benz Financial Services XXXX XXXX Credit Dispute XXXX XXXX XXXX XXXX, Texas XXXX This company has engaged in retaliation and fraudulently reported a late payment on my credit report which has impacted my ability to get a home loan as well as resulted in a {$4500.00} increase in my auto and home insurance policy. 

The vehicle in question was totaled in XX/XX/2022 and the insurance company paid off the vehicle in XX/XX/2022. I submitted an extra payment in XXXX to ensure that there was no gap between the due date of the next payment and the payoff by the insurance company. Despite my efforts, this company engaged in retaliation and reported a late payment in XX/XX/2022 which has ruined my credit. 

I have contacted all three credit bureau agencies to dispute this information and I also reached out to Mercedes-Benz which has shown no effort to try to resolve this issue. They even indicated that there was no way to email or communicate other than mailing a letter to dispute this issue. They sent a letter to me that clearly indicates the vehicle was paid off in XXXX but yet they're not willing to verify this internally or admit that they fraudulently reported this late payment. 

My concern is that if they fraudulently reported a late payment what will stop them from further engaging in fraud by responding to the credit agencies by claiming that the late payment was valid. In the meanwhile, I've been denied a home loan and I'm faced with paying an extra {$4500.00} in insurance costs until this fraud is resolved. 

In addition to requesting your help to resolve this issue, I need to know if there's any remedy for the financial impact of this retaliation. I got a letter from my auto and homeowners insurance indicated that my rates were substantially increased as a result of my XXXX XXXX that was impacted as a result of Mercedes-Benz fraudulently reporting a late payment. My score dropped from XXXX to XXXX specifically because of this fraudulent report. 

I am confident that this is fraudulent because I contacted the company over XXXX times between XXXX and XXXX asking them to refund my overpayment. They finally issued a refund of my overpayment a week ago which is further indication that there was never a late payment.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2021 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-07-26
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. (FL)

I forwarded a letter to the XXXX and TransUnion Credit Bureaus dated XX/XX/2022 to update these inaccurate accounts. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-15
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. (NJ)

called TransUnion/XXXX  after I purchased a credit report with XXXX  on XXXX XXXX XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there are Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus that believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX  and hoping that this XXXX XXXX Late payment XXXX 30 days late will be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : USDOEXXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-10-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Fresh Holdings Inc (MI)

They offered me a settlement and stated that I had till XX/XX/2022 to reply or they will report to the XXXX. Well, I replied before the date and they still reported me as being negative and my score went down.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (MA)

On XX/XX/2022 at XXXX, I had contacted PenFed customer service regarding my PenFed Gold credit card ending in XXXX. I spoke to a customer service representative XXXX about my account such as the current balance, pending charges, credit line, and credit limit. I asked her about my savings account that was required to opened the credit card. She said that everything on her screen was deliberately blocked and had my whole account into permenently ineligible. So I asked if she can speak with someone from the Fraud Department and the person she spoke to is XXXX. XXXX work for the fraud department and she refused/ignored to give her full name and position but also put in request to close my account today for whatever reasons she did not disclosed. I had given the company all/any mandatory requirements they had asked me before granting me the card. XXXX also told the customer service rep to tell me that I will received an explaination on the mail about the issues. The company said that I owed {$64.00} which I agree to pay by mail to cover the charges that I used on the credit card. They was also giving me a hard time about the address where I can send the payment and also told me when they close my account, I had to contact the credit bureaus and explain the reason why my account was closed even though it was not my fault in the first place. 

The company PenFed had given me the " Absolute Approval '' then they had a second thought about it so decide to the close the credit card including the saving account that is needed to activate the card.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NJ)

I was using discover card for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by Discover card while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX  balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.
Consumer complaint received 2022-07-08
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. (CA)

This is in regards to account XXXX under XXXX XXXX on my credit report. All 3 credit bureaus are reporting that I have late payments with XXXX XXXX XXXX XXXX - XX/XX/2019, but this is incorrect information as I was not late on payments during this reported time frame. I have tried to resolve the issue directly with XXXX but they claimed to not be able to make any changes. I understand under my legal rights that any information that is inaccurate must be removed from my credit report.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have information on my credit from someone who lives in Texas who is using my identity. This abuse of my identity have me afraid. I am victim of identity theft. I want l security freeze immediately on all 3 bureaus. Please stop the abuse from happening to me immediately. They listed a job a job that is associated with me on my credit report that I know nothing about. Person is also trying to buy a car in my name, please help!!
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-07-26
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)

XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX ACCOUNT # XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-26
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/201XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}