davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
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. (CA)

on XX/XX/18 at XXXX I tried to get my credit scores from trans union and XXXX.

trans union link directed me several " security questions '' and after that to a pay website where I need to give my credit card to get the score. I declined.

XXXX website link directed me several security questions that were vague and used wording like bank card instead of credit card to mislead. After that step the website just prompted that they can not give me the score online and that I can only do it via regular mail, where I need to fill out an attached form along with the Social Security card Pay stub with Social Security number, W2 Form, Driver 's License, Rental or lease agreement/house deed, Pay stub with address, Utility bill ( gas, electric, water, cable, residential telephone bills ).

it looks like these companies go to great lengths to get money from the customers that need their own credit score.
Consumer complaint received 2018-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (WA)

XXXX XXXX XXXX XXXX has been contacting me about a debt that has been prove to be invalid and removed from my credit report in 2017. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone threatening to place this item on my credit report. This is a direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turning Point Solutions LLC (WI)

Received 2 voicemails this week from XXXX XXXX XXXX  to speak with me regarding a loan taken out by a relative they named in the voicemail message, and to discussed resolving this 'voluntarily. ' I have never co-signed for this relative for a loan. I never received anything in writing from this company, or any company they might be representing indicating what is supposedly owed. My spouse tried to call them several times today, but they did not answer. They are listed with the BBB, but with numerous complaints. I suspect this to be a scam which should be reported to law enforcement.
Consumer complaint received 2018-10-10
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: NAVY FEDERAL CREDIT UNION (LA)

Hi I been trying to dispute a account with navy federal credit union for the longest because I never had an account with them the address they say they have on file that the card was sent to I havent stayed they in 6 years
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Four years ago when I received a copy of my credit report it listed 2 addresses that I never lived at. I contacted the credit reporting agencies and they said they would remove it. They did but then put them back on and added another one. I spoke with XXXX at Equifax last week trying to find out who is submitting this information so I can contact them, and he gave me the run around and would not tell me who is submitting this information. He gave me the phone # for Business Customer Service and said try them. I spoke with XXXX and she told me she could not help me. I called back and spoke with XXXX. When I explained to him why I was calling he said to me, maybe you are better off not knowing. I want to know so I can put a stop to it. They have me living at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. There is no such address. I have been living at XXXX XXXX XXXX for 37 years and there is no such #. They have me living at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. That is my lawyers home address. I do not live with him! They also have me living at XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX. I have never lived there. I have never lived out of the state of NY. After speaking with XXXX he said he would send me an updated report with the addresses removed. They are not removed as I received the report today but listed as previous addresses. I want them removed! I have never lived at those addresses and I want to know who is submitting this information.
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I have banked with Chase bank since my accounts were with Washington Mutual and when I went to check the activity on these accounts on XX/XX/18, I had to call in to get a restriction taken off. I was informed that my accounts had been shut down and that Chase no longer wanted me as a client. I have never been over drawn in any of my 3 accounts ( 1 checking, 2 savings ) and never received a warning of any kind that there was an issue. I also have 2 college savings accounts set up through Chase along with 3 credit cards with Visa that I now no longer have access to check activity to. I was not given a reason for the cancellation and I am now very concerned that I may have had my identity stolen. I have since closed those checking and savings accounts and opened new ones so I am not necessarily looking for reinstatement, just some more information or at least why I was never given any notification about the closures. I would also like to have online access to my credit card accounts reinstated.
Consumer complaint received 2018-10-10
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. (KS)

I had XXXX XXXX XXXX with XXXX XXXX. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
Consumer complaint received 2018-08-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has had my account frozen and... " In Dispute ''.. for over 4 months. I can not even get a response. I am on hold till they obey the law.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

This debt just showed up on my credit report today. 
It was first reported by XXXX XXXX XXXX XXXX Now it is in the hands of Caine-wiener. 
The amount is for {$500.00} and from what I understand this is an online betting debt and that is something that i have never done. 
I dont know how to work a computer.
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

" XXXX XXXX XXXX '' has sent me debt collection letters a couple of times asking me to pay {$49.00} for XXXX debt. I do NOT owe money to XXXX and XXXX confirmed it over the phone. I replied to the Convergent 's debt collection letters explaining that they've got a wrong person, but they just keep sending me the collection letter. The account # in the letter is not mine and transaction and account creation dates are all wrong.
Consumer complaint received 2018-10-10
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: Experian Information Solutions Inc. (NC)

Credit Bureau is reporting inquiries that I didn't do and the credit bureau informed me they would investigate them or remove them, and I can take them to court. Below is the letters I send to bureau it was received by XXXX XXXX on XX/XX/18 at XXXX XXXX tracking number XXXX. The letters sent are attached.
Consumer complaint received 2018-10-10
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. (GA)

XXXX XXXX XXXX account on all three credit bureaus due to me being overseas at time and accounts being opened fraudulently. Current balance shows negatively on my account and when disputed in late XX/XX/2017 the credit bureau and company were sent travel docs showing me being overseas in XXXX at time and not able to apply for the card. This account along with the XXXX and XXXX accounts are Freud.they were all seemed to be open around same time while overseas. This has been q never ending battle with companies and credit bureaus to get removed. I also had identities freud statements on all credit bureaus during this time. No information was verified and when disputed the credit bureau stated it was valid. I am requesting accounts be permanently removed from my accounts immediately.
Consumer complaint received 2024-09-03
Product: Credit reporting 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This is my second complaint against Bank Of America. 
I had enough money in my account to pay my mortgage which was scheduled for the automatic draft, and so when my mortgage company got paid on XX/XX/2018, they then went back and took it back from my mortgage company on XX/XX/2018, electrically telling me it was for lack of funds. I had more than enough money in my account to pay my bills. And it was their job to pay my mortgage. Now I have a hardship, and if I don't pay it by XX/XX/2018, than I will be considered late, and that will go on my record, and if it is not paid by the end of the month, it will be reported to the credit bureau. They never told me they did not pay it, but they informed my mortgage company that they were taking back the funds I had paid them.
Consumer complaint received 2018-10-10
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)

Disputed XXXX XXXX account on all three credit bureaus due to me being overseas at time and accounts being opened fraudulently. Current balance shows negatively on my account and when disputed in late XX/XX/2017 the credit bureau and company were sent travel docs showing me being overseas in XXXX at time and not able to apply for the card. This account along with the XXXX and XXXX/XXXX accounts are Freud.they were all seemed to be open around same time while overseas. This has been q never ending battle with companies and credit bureaus to get removed. I also had identities freud statements on all credit bureaus during this time. No information was verified and when disputed the credit bureau stated it was valid. I am requesting accounts be permanently removed from my accounts immediately.
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I obtained my credit report and realized that a collection agency was reporting a debt I had no knowledge of. I attempted t dispute the debt with credit bureaus however the debt was verified as belonging to me. I decided to exercise my rights according to FCRA and request validation of the debt with the collection agency via certified mail. The collection agency Resurgent Capital responded to my debt however they reported inaccurate information. Please see attach documents and notice that not only does their amount that they are attempting to collect doesn't match the statement they provided as " debt validation '' but it also doesn't match the debt or creditor that is being reported to credit bureaus. Also, the validation of the debt they provided has also expired due to the Statue of Limitation! I disputed this account with all bureaus and they all verified that XXXX/Resurgent verified this account as being accurate therefore for them to provide mismatched and inaccurate information supports their knowledge of reporting inaccurate and false information according to FCRA 623 ( a ) ( 2 ) ( B ) this is a major violation.
Consumer complaint received 2018-10-10
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. (CO)

XX/XX/XXXX : Found a derogatory statement from XXXX Bank. Stating that I owed money of approximately {$1000.00} on an account that had been added to a Chapter XXXX bankruptcy in XXXX. According to XXXX Bank they were never informed of the bankruptcy. I contacted Office of the Comptroller of the Currency and informed your XXXX XXXX XXXX Bank refusing to remove the debt from my credit reports. On investigation by the Office of the Currency, XXXX Bank removed the derogatory statement and sent me a letter of apology. I found out on XX/XX/XXXX that the derogatory statement stating that I still owed XXXX Bank money was re-instated on my TransUnion credit file. I contacted XXXX Bank and was told that no one was sure why this had happened. I checked with TransUnion and the derogatory statement remains. 

XX/XX/XXXX : Found a derogatory statement from XXXX Bank/XXXX XXXX for {$300.00}. It had not appeared prior to this date. This account was also discharged in Chapter XXXX bankruptcy in XXXX. On calling XXXX Bank I was informed that XXXX Bank did not know who the creditor was that had added this derogatory statement to my TransUnion account even though I informed them that XXXX Bank had done so. They refused to listen to my complaint on my informing them that the debt was discharged through a Chapter XXXX bankruptcy in XXXX. Their response was that I contact the creditor who placed the statement even though I informed them that they were the ones that did so.
Consumer complaint received 2018-10-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I opened a Capital One 360 XXXX XXXX Account online on XX/XX/XXXX in response to a promotion offering {$200.00} to any new account holder who deposited {$10000.00} or more. 

I deposited {$10000.00} on XX/XX/XXXX. 
Capital One deposited the promotional payment of {$200.00} on XX/XX/XXXX. 

Sometime in XXXX I learned of another new Cap One 360 XXXX XXXX Account promotion called " XXXX ''. It is available at https : XXXX I contacted a CapOne representative on their Chat feature and asked to be included in XXXX. The representative said that I would be included. The representative told me to meet the conditions of XXXX and contact Chat again. The representative said that a XXXX representative would manually deposit an additional {$300.00} if I asked during a Chat session after meeting the XXXX requirement. The representative said that she would make a note to that effect in my file. 

To qualify for the additional {$300.00} promotional payment I then made deposits between XX/XX/XXXX and XX/XX/XXXX totalling {$51000.00}. During that period I also made withdrawals so my maximum balance was {$20000.00}. That was on XX/XX/XXXX. 

XX/XX/XXXX Deposited {$19000.00} XX/XX/XXXX Deposited {$20000.00} XX/XX/XXXX Deposited {$12000.00} Total deposited during the offer period was {$51000.00}. These were not transfers from other CapOne acounts On XX/XX/XXXX I met the conditions and contacted CapOne Chat. I spoke to XXXX. He agreed that a note making me eligible for XXXX had been added to my file. He did not agree to credit my account. He said that my account balance had to be {$50000.00} or more to qualify. 

XXXX 's statement is not supported by the wording of the public offer. It makes no mention of requiring an account balance of {$50000.00}. 

I should receive an additional {$300.00} promotional payment because I met the requirement and acted on a commitment from a CapOne agent. 

************************* Here is the wording of XXXX : " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any othe

r Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your
account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. ''
Consumer complaint received 2018-09-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP (IL)

My bank offers Overdraft Protection which is essentially a Reserve line of credit that covers any overdrafts on my checking account. It also offers online banking where I can schedule payment of bills or transfer funds between my accounts ( ex. move funds to checking from savings ). When  transferring funds between accounts, balances are adjusted real-time. When scheduling payments, balances are not adjusted real-time. When you schedule a payment, you may have sufficient funds in your account to cover the payment but when the pay date arrives you may not if in the interim additional debits reduce the checking account balance. 

This is what happened to me. On or about XX/XX/XXXX I schedule payments to my life insurance company. I had sufficient funds at the time. Before the pay date arrived various debits hit my account reducing the balance. When the pay date on the scheduled payments arrived the bank paid creating overdrafts which they then covered by the Overdraft Protection for which they collected various fees. 

I contend that by not reducing balances for scheduled payments, the way they do for transfers between accounts, the bank is acting in bad faith in creating conditions for consumers to be uninformed of insufficient funds conditions arising in their accounts.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CT)

There was fraudulent transfers and withdrawals which were made on me and my daughter 's account ( my name is on her account ) on XX/XX/18. I notified TD Bank immediately. These were coming from a XXXX, NY location. I reside and CT. The total amount that was taken was approx. {$8000.00} ( around {$5000.00} from my account and around {$3000.00} from hers. ) I did file a claim and did give the Bank a police report, called SS to freeze my SS # and called Credit Bureaus. I had to keep calling constantly to see what the status was and was told to call the fraud dept. I never was able to speak to the same person nor the actual person doing the investigation. After the 10-day business investigation period, I was told that we were not going to receive our money and that our claim was denied. At one point, I was told that it had to do with an ATM debit card transaction and then I was told that it was from an IP address and was asked if I gave it to someone. I wouldn't even know where to locate it. I totally feel that this Bank is trying to make it my fault and are making me feel like I am the criminal. I asked them to send me the investigation report and give me a case # and the IP # they were referring to so that I can have it checked by an IT person. They told me that the only thing I was going to receive was the letter from the Bank denying my claim and that the IP # was confidential. Was my information confidential to this criminal. I can't believe that is how they treat a customer that has been with them for years. Thank you for any assistance that you give.