davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-20
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. (OH)

XXXX XXXX is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the reporting agencies.
Consumer complaint received 2016-12-16
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Patenaude & Felix A Professional Corporation (CA)

This company has continued to call after being sent written cease of communication notice. They have also not responded to my request to validate the debt and provide proof that this debt belongs to me and that they have the authority to collect and that the statue of limitations has not expired. 

They call multiple times per day on my house line and on my cell phone. They call at XXXX exactly every morning disturbing my sleep. 

This debt has been passed through XXXX collection agencies in the past 2 years. Not a single one has provided proof that the debt is owed by me or my husband. I 'm tired of being harassed by this companies and I 'm not going to put up with it anymore. 

We only just got a notice from the last company handling this " debt '' that they would no longer pursue collection yet we started to receive phone calls from this company the very next day.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Company has called and harassed me for years. I never knew it was on my credit until I went to get a Mortgage Loan. I told them it was not my apartment and I submitted my lease addresses from XXXX to show I lived somewhere else. I also sent my driver 's license to show my home addresses. They said the signature matched on the application for apartment and NO ONE ever lived in apartment, but there was a lease signed in my name, so they put on my credit. I would like to reiterate that no one lived in apartment and my wallet was stolen of course they can recreate my signature. They refuse to remove it and they offered me a settlement of {$3000.00}. Them offering me a settlement proves that this is not my debt and they just want money and they are taking advantage of the fact that I need to get this off my credit. Every time I talk to someone they are rude, they talk over me and do n't listen. This is not the only thing that was done to my credit, someone got another apartment in my name and filed taxes under my name and social. I have filed police reports and provided document. This should come off my report because this is not my debt.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I requested to have this secured credit card account closed back in XXXX of XXXX. According to XXXX Bank rep this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.
Consumer complaint received 2017-10-26
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. (GA)

I requested to have this secured credit card account closed back in XXXX of 2015. According to XXXX XXXX rep this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (WA)

I hope this message finds you well. I am writing to formally address a troubling issue regarding a fraudulent transaction on my account and the subsequent handling of my case. 

On the evening of XX/XX/year>, a transaction of {$190.00} was processed as a debit card purchase. I immediately contacted KeyBank and was informed that until the transaction fully processed, no action could be taken. 

The next morning, XX/XX/XXXX, the transaction was completed as a check. The representative noted this was unusual and indicated that the original transaction had been canceled and processed again as a check. I explained that neither transaction was authorized, and the agent agreed to flag it as fraud and issued me a new debit card. 

On XX/XX/XXXX, I reached out again, concerned that the funds had not been returned to my account, and my balance remained negative, now incurring NTF fees. The representative explained that while a new debit card had been issued, outgoing charges had not been halted due to automatic payments being processed. He assured me he would rectify this error and asked for my mailing address for the new card. 

I inquired about the difference in procedures for debit versus credit cards, as federal regulations require credit cards to be sent to a physical address rather than a XXXX XXXX XXXX By this time, my case had been under investigation for nearly four days. 

I later noticed a provisional credit posted to my account ; however, upon review, it did not impact my balance. Despite my notification of fraud, the bank allowed the transactions to process. Additional provisional credits appeared on XX/XX/XXXX ( {$66.00} ), XX/XX/XXXX, XX/XX/XXXX, and deductions occurred on XX/XX/XXXX, further complicating my account status. 

Most recently, on XX/XX/XXXX, I received a credit from the merchant involved in the fraudulent charge. However, on XX/XX/XXXX, I was informed that I was being charged for this credit, despite it being for a fraudulent transaction that I did not authorize. I was assured on XX/XX/XXXX that the funds would not be deducted from my account due to the ongoing investigation. 

Given the lack of resolution and clarity regarding these transactions, I request a thorough review of my case and a prompt refund of the unauthorized charges. I believe the initial representative did not adequately address my concerns, resulting in continued confusion and financial strain. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Unhappy KeyBank Customer
Consumer complaint received 2017-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In response toy your complaint number XXXX. The validation of the debt you submitted does nto validate a debt. You sent me statements that shows an address I never lived at. the address on those statements is XXXX XXXX XXXX, XXXX NY XXXX. Clearly this account was a fraud opened without my authorization. And you keep sending statements and you refuse to send me the signed credit application that shows the signature and the address used to apply for that debt in my name. 

I need the credit applaiction to take this case to court.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (PA)

I am trying to access my account through a third party app on my mobile device, however TD Bank will not allow access. I have called TD Bank 's customer service twice and spoke with a customer service representative and a specialist in Technology Support, both of whom who were unable to assist me in linking my account.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Capital One Financial Corporation employees hanging-up telephone, rudness, and unprofessional behavior when seeking help for my issues. Sent fax to your office, fax # XXXX, case XXXX on X/XX/18. Need Capital One to remove issues from my credit report immediately and compensation for my services.
Consumer complaint received 2018-01-20
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FC HoldCo LLC (VA)

XXXX XXXX XXXX XXXX, the company that is financing the loan for my used car, makes an excessive amount of collection calls to my home and mobile phones. XXXX typically calls my phones six to eight times a day. The calls come from different numbers that display different company names on my caller ID. When I call the numbers the IVR system identifies the call source as XXXX XXXX XXXX. Some of the calls I have received were robocalls. I have received XXXX calls from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) and XXXX. XXXX has occasionally contacted me on Sundays, as was the case when an agent contacted me from a XXXX XXXX XXXX phone number on XX/XX/XXXX. I submitted a complaint regarding the excessive phone calls to XXXX 's website ( XXXX ). In the complaint I advised XXXX that I would mail a correspondence instructing them to cease collection calls within two weeks of receiving the correspondence. I wrote the correspondence on XX/XX/XXXX and placed it in a mailbox the following day. As of this writing ( XX/XX/XXXX ) XXXX continues calling my home and mobile phones.
Consumer complaint received 2018-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I had a car loan through XXXX XXXX XXXX which was acquired by Huntington National Bank, based out of XXXX, Ohio. I paid my SUV off on time on XX/XX/XXXX with no late payments for the life of the loan ( began in XX/XX/XXXX ). 

They still have not sent me my title and I have contacted them over 5 times about this issue. They keep saying it will be sent but when I call to ask if it 's on its way it 's always still " in process ''. 

I finally asked for a tracking number in XX/XX/XXXX for the title so I would know if it was on its way and they created a fake one that says " label created but not in the system ''. It 's XX/XX/XXXX now and still nothing. The loan ended almost 12 months ago and I would like to sell the vehicle but I need my title! Please help!
Consumer complaint received 2018-01-20
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. (PA)

I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX  Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,
Consumer complaint received 2018-01-20
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 submitted an initial fraud alert request to Experian today, XXXX XXXX, 2018 at https : //www.experian.com/XXXX. After I submitted the request a pop up message appeared that the request is successful and the other credit bureaus will be notified of the fraud alert on my account. I tried to print the pop up message but it printed a blank page. I am expecting Experian and the other credit bureaus ( XXXX and XXXX ) to send me an email confirmation of the successful request. 

In addition, I tried to follow the Learn how it works link of this page of the consumer finance website by opening a new tab and the new tab about : about shows a blank page I am wondering why there are no information on this " Learn how it works '' feature of your website. 

In addition, your website ( consumerfinance.gov ) asked for email address. I provided my email address on the space but the page of your website did not provide a confirmation of the email address. Consumerfinance.gov should provide confirmation of email addresses and mask information like social security numbers.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX I made a payment at the store in XXXX California of XXXX, on the XXXX, then on XX/XX/XXXX I received an email stating I owed XXXX, I then called customer service, then said they were sorry for the mistake, after I said I made my XXXX dollar payment that I always make even though my payment was only XXXX, then in XXXX I went on line to pay my bill to verify, and it still said XXXX, I then called again, and they said not to worry it's an error the additional charges were removed, so I paid them the normal XXXX, now in XXXX they say I owe XXXX because of late fees and because my payment changed to XXXX in XXXX which I was never told about, even when I made my XXXX dollar payment in the store, I was not told again that my payment had changed neither on the web or at the store or by mail
Consumer complaint received 2017-10-26
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. (FL)

MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.
Consumer complaint received 2017-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.
Consumer complaint received 2017-10-26
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: EQUIFAX, INC. (FL)

MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

National Credit Systems is reporting an account on my credit file that should n't be there. I do not owe The XXXX of XXXX any monies and I have provided this information to National Credit Systems on several occasions. I also asked National Credit System to  provide lease agreement information and validation of debt by letter and also by the original creditor The XXXX XXXX XXXX. National Credit Systems have failed to provide this information on several occasions. I want this debt and account removed from my credit report, this company will call my cell phone and hang up when I answer. It 's against the law to just report a debit without verifying the debt and providing proof. I want to see a balance from the original credit The XXXX of XXXX it will be {$0.00} because I owe them nothing. Please have this fraudulently company remove the following account from my credit files immediately. Can I also file a lawsuit against this company. The will not provide me with a full account number. The partial account number is XXXX amount {$780.00}. National Credit Systems should be investigated and permanently shut down. Please have them remove this account. Please and thanks XXXX XXXX
Consumer complaint received 2018-01-20
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. (WI)

I ordered my free annual credit report on XX/XX/XXXX. As a result, TransUnion posted an inquiry on my credit report ( listed as XXXX XXXX XXXX ) that has resulted in a hard inquiry being posted to all the free credit scoring agencies. Now my score has gone down. 

I contacted TransUnion for help, but they say it 's not their problem because they do not show it as a hard inquiry. They said the scoring agency needs to fix the problem. 

The scoring agencies get their information from TransUnion and said to contact TransUnion. It 's a no-win situation. 

I researched this and have found out that many customers have reported the same problem last year on the myFICO forum and have n't gotten any results in fixing the problem. 

I believe that TransUnion needs to address the problem since it originates from them. Please help. 

Thanks!
Consumer complaint received 2018-01-20
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: Convergent Resources, Inc. (PA)

A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX. 

The first time the debt collections was reported by CONVERGENT OUTSOURCING and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account. 

I have previously contacted Convergent about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from convergent. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from Convergent are for someone with a different name and address to me.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

I called wells Fargo today ( XX/XX/XXXX ) at XXXX because I over drafted 2 separate times even though I had over draft protection set up. I called and told her the situation and she informed me that my savings account had been turned into a checking account even though they did not communicate this with me. After i got upset she said she would see what she could do about the fees but in the end could only give me back one of the 2. They are always finding new ways to get my money and I 'm sick of it. If I 'm over drafting then i obviously do n't have {$35.00} extra to give them.