davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-02-27
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc. (CA)

This complaint is about Thunderbird Collection Agency or TCS. They call repeatedly from multiple different numbers. 
A recorded name of XXXX XXXX from number XXXX. Identifies at TCS Another call from someone named XXXX XXXX -- the recorded message just say " this is XXXX XXXX. Call me. This is XXXX XXXX '' I have looked up both TCS and XXXX XXXX. Found quite a bit of bad information about Thunderbird Collection Service TCS and its owner and director XXXX XXXX. Many claims of fraud reported. I have tried to call back to tell to stop and their is no way to leave a message after phone phone picks up call. 
I have no idea what this could be? They never ask for me by name. It is never a person, always a recorded call. IT has been going on for months -- mutliple times/week. 
I have blocked the call -- so it just goes to voicemail but it is multiple messages left. 
It just needs to stop. I have been on the DO NOT CALL list for years. 

Please help make TCS, XXXX XXXX and XXXX XXXX stop. I am confident you have heard of this company and the names based on what is all over the internet about them.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (CT)

On XX/XX/23, I made a payment in the amount of {$250.00} to XXXX XXXX. I checked my M & T checking account ending in XXXX and I noticed a possible duplicate payment to XXXX. I contacted XXXX first to confirm if they had received two payments on the amount of {$250.00} each. The company confirmed that the had only received one {$250.00} payment. I called M & T Custoner Service # XXXX on XX/XX/23 to open a complain # XXXX. They indicated that I would get a letter mailed to me within a week, and that they would investigate the issue. No letter was sent so I called back on XXXX and had to explain again the fact that M & T had taken out of my checking account and additional amount of {$250.00}. I also told them I had not received any letter as I was told, and this new representative told me that they had not even started the investigation. I also opened Dispute # XXXX, and mentioned that I had also noticed that my Overdraft Line of Credit ending in XXXX had made a transfer in the amount of {$230.00}. On XX/XX/23, I went to the XXXX XXXX branch and spoke to the Manager who was very proffesional and apologized i had experienced that issue. She stated that she had the ability to return the {$250.00}, which was completed on XX/XX/23. She explain that she was unable to refund the money in the Overdraft Line of Credit. On XX/XX/23 I paid a total of {$230.00} which included {$1.00} in interest to cover for the Overdraft caused by the additional money that was deducted from my account. If the extra withdrawal would have not been taken out, my account would have not overdrawn. It is XX/XX/23 and I have received no letter. I call the branch again to see what they can do and they told me the complain or dispute was closed out. I am assuming because M & T thinks that by refunding the {$250.00} I would be satisfied. If M & T would have contacted me as they said they would, they would have known thay they still need to refund me for the {$230.00} payment I did against my overdraft line of credit.
Consumer complaint received 2020-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (RI)

We have recently refinanced to a new mortgage lender. During that process we discovered that Flagstar bank has put a freeze on our escrow and stopped making Tax and Insurance payments. We called several times to request that they make both tax and insurance payments and get sent in many different directions with different answers. Finally after several phone calls the taxes have been paid ; however, the insurance remains to be paid. Calls have been made to Flagstaff almost daily for over a month and each time the response is different, including we have sent the check overnight, we will send the check, we have sent the check, we won't send the check we are just sending you the full remaining escrow and you can pay the insurance. We have gone in circles with no answers and no resolution and stand to lose our homeowners insurance coverage. Every person I've spoken with at Flagstaff tells me a different story and tells me the last person I spoke with gave me bad information.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: ADP Inc. (FL)

I experienced some technical issues with my direct deposit. My employer, XXXX XXXX XXXX, rather than redeposit my paycheck into my checking account they mailed me a Wisely App card. I reviewed the card terms and conditions of the card and found them completely unexpectable. I later discovered that the employer disclosed all my personal information - - full name, date of birth, social security number, address, phone number and so on -- to Wisely App card. 

I contacted Wisely XXXX Card to transfer my pay to my bank account and delete all my personal information. They refused to take any action. They told me that I had to activate the card and pay the fees to get my money!
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (UT)

I have submitted several Save applications- one through XXXX and I was on deferred payments until they processed it. I was then consolidated with Mohela who I submitted another XXXX application through. They have not processed my original application or the new application and my payments are much higher than the XXXX i was on before consolidation. I can not afford the current payments and they wont give me an administrative forebearance until they process my save application.
Consumer complaint received 2020-02-06
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. (CA)

CRA DID NOT DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.
Consumer complaint received 2020-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CRA DID NOT DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.
Consumer complaint received 2020-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the FTC and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (PA)

{$50.00} VISA gift card given XX/XX/23. Attempted purchase with card on XX/XX/23, card was declined. After difficult time verifying balance and transactions discovered that 4 unauthorized transactions were done on the card by unknown merchant on XX/XX/23. Files dispute per process they stated that because purchases occured over 60 days before notice they would not resolve. They also did not report who the merchant was that charged the card.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX BANK XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted 15 fraudulent inquiries.
Consumer complaint received 2020-02-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Avant Credit Corporation (NC)

I asked to have the loan cancelled and I was charged an administrative fee of XXXX, that I was not aware of. They approved the loan with the copy of the contract attached and would not let me cancel the loan. 
The customer service & management is horrible. The agents are very smart mouth and sassy. Customers are not valued. I talked with a young man of XXXX origin by the name of XXXX, he was the supervisor, his attitude was not friendly & very sassy. I spoke with a young lady before asking for the supervisor, and she also very sassy. The supervisor would not give me the name or number to his boss. The Avant  XXXX XXXX XXXX page does not allow you to leave bad reviews. We are also unable to leave comments on their personal web page. The company does not communicate well and it is difficult to get the help you need.
Consumer complaint received 2020-02-06
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: Innovis (UT)

Innovis requested a valid police report. In my most recent dispute I have provided the police report REPORT NUMBER : XXXX. Additionally, the accounts were deleted from the other credit bureaus but then re-inserted back onto my credit profile. Innovis receives data from the other three credit bureaus that is reporting inaccurate information from these XXXX accounts.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NV)

I scheduled a payment of {$1700.00} to be paid to XXXX XXXX XXXX aka Goldman Sachs ) today XX/XX/23. This payment was authorized by me and is acceptable. 

However, XXXX XXXX XXXX aka Goldman Sachs XXXX has taken a second UNAUTHORIZED credit card payment from me two hours after receiving the authorized payment of {$1700.00}, in the amount of {$750.00}. I did NOT make nor authorize this second payment of {$750.00}. 

I have contacted XXXX XXXX several times today to have the unauthorized payment of {$750.00} returned to me and they have refused. I have also requested an investigation as to WHO authorized this second payment as it was NOT me and they refuse to provide this information to me.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF THE WEST (CA)

Company violated my rights by law. By reporting an owed amount from my bank account as a credit issue then sold it to an outsource company called XXXX XXXX now its uses as a derogatory mark on my credit, which is illegal
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

I have a car loan with Ally auto and they keep tagging on erroneous fees with no explanation. My last statement and my last car payment was XX/XX/XXXX of 2023. The amount of the car payment was XXXX with erroneous late fees of XXXX total amount due before payment on XXXX statement was XXXX paid my last car payment which the only thing left would be the disputed late fees of XXXX XXXX today when I looked in Ally Auto without any explanation any statement, nothing says I owe an additional {$190.00} They kept giving me different excuses but clearly on my statement it shows no additional charges they tried giving me different excuses and none of them added up. I have a copy of my last statement as well as on the website it says I only owe the disputed late charges but when I go to look at a snapshot of what my total is they added on the {$190.00}. 
with no provision as to why on top of that I have auto pay set up and in XXXX where I dont even have a car payment due they were going to deduct another {$370.00}. I have repeatedly contacted Ally Auto. I have contacted their corporate office theyre never there nobody ever picks up the phone and their customer service reps. Do not speak English very well, theyve given me 15 different answers on this erroneous charge and I have the documentation to prove that I do not owe this charge
Consumer complaint received 2020-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have reached out to XXXX several times regarding inaccuracies on my credit report. While they respond, they do not properly fix it and in fact make matters worse by reporting it incorrectly. I have prepared 3 letters regarding 3 items that are really hurting my credit. Please see attached.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

So there are multiple accounts on credit report starting from about two years ago XXXX is fir XXXX Other is for XXXX And then there is a car loan that I never got but here is the proof of identity stolen
Consumer complaint received 2023-11-20
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX