davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I filed an ACH dispute after noticing fradualant and unauthorized transactions. Capital One 360 started a dispute and credited my account some 6100 plus dollars. Yesterday I received an email from Capital One saying their investigation showed everything but XXXX   dollars of that dispute was without error. When I called to follow upI was told my only recourse was to call XXXX XXXX and store card because they verified that I did indeed authorize the ACH transactions. So, I called and found that XXXX  of the more than 6000 dollars of transactions I disputed were for accounts I have with XXXX credit. The remainder of the more than 5000 in payments are not made from accounts that I own or are a co-account owner. Which means that the over than 5000 dollars in unauthorized ACH payments that XXXX   confirmed to Capital One 360 I authorized are in fact going to someone elses account. While I am sorry XXXX dollars I did authorize to pay my own accounts with XXXX were inadvertently roped into my disputesI am not satisfied that I am said to have authorized payments to XXXX accounts by ACH debit, when in fact, I did not authorize these debits. Anyone else who has debited my bank account is not an authorized signer on my bank account and I have not authorized payment to any account that I do not own.
Consumer complaint received 2018-04-19
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: EQUIFAX, INC. (CA)

I signed up for service with XXXX XXXX. They asked for my social security number. I didn't want to provide it so I told them I was XXXX   and didn't have one.

Despite me not giving them my permission or my social security number they accessed my credit report.
Consumer complaint received 2018-04-26
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. (TN)

XXXX  is reporting a balance of {$1400.00} on the XXXX/XXXX account. Contacting XXXX/XXXX  they state that the account was discharged in XX/XX/XXXX and the account should not appear on the credit report, and has also sent me the copies of this information including the cancellation of debt and a letter from the Vice President 's offices stating that the account was cancelled and no longer in collections.

XXXX  has not acknowledged these documents that I have sent since XX/XX/XXXX and has not updated the information on my credit report. The attachments clearly show that the XXXX/XXXX  should not be on my credit reports. XXXX/XXXX additionaly will not accept payment and tells us to contact the credit bureaus to have the items removed. We have done this but the account is still not removed.
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am being audited by the IRS for tax years XX/XX/XXXX and XX/XX/XXXX. 
I had a credit card relationship with three companies during that time. 
Capital One, XXXX XXXX, & XXXX XXXX XXXX XXXX XXXX. 
I used credit for personal and business purposes. I ran into a tough stretch of time monetariliry that caused me to be late and eventually have to stop paying the credit card companies. 
I am currently in collection with all three. 
I am asking for credit card statements for XX/XX/XXXX -XX/XX/XXXX for all three companies. 
I have mailed certified letters. 
Sent email requests and called. 
Each time i am either hung up on or transferred to a collection company that keeps me on hold for hours and says they dont have the credit statements. 
I was moving my place of business and misplaced all these documents. Now i desparataly need them XXXX XXXX SSN XXXX I am asking for copies of statements from these three companies My wife XXXX XXXX 's SSN XXXX name was on the XXXX XXXX XXXX XXXX XXXX card I have deductions I could prove but am unable and these three companies - due to the fact that i still owe them money refuse to help/acknowledge/assist me in my mission to recover the statements from XX/XX/XXXX XXXXXX/XX/XXXX Please assist me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX my previous business address was XXXX XXXX XXXX XXXX XXXX Nv XXXX they may have mailed statements there when i had the cards.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXX payment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.
Consumer complaint received 2018-12-26
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. (NV)

I am a victim of identity theft, the 3 major credit bureaus have broken fcra 605 ( b ) laws by leaving on accounts/public records on my credit report after i've sent them all the stated necessary documents & ftc police report deeming them as fraud due to i.d theft.

Each bureau has stated over phone with me that they've received and processed the documents but are still " under investigation '' beyond the four business days of receipt stated in the fcra 605 ( b ) law. I should not be held to credit disparity due to a identity thieve. These 4 fraud items i have listed in my police report should have already been BLOCKED!
Consumer complaint received 2018-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/2018, I paid for a wire transfer to another person in Texas by Western Union at XXXX in XXXX XXXX, Texas for {$500.00}. I did this in person at the location hoping to get some funds to my granddaughter 's family - that needed prescriptions, fuel, and groceries through the end of the year. 

After must consternation with the company 's customer service I found out on XX/XX/2018 that the wire wasn't sent, but refunded without notifying me. 

On XX/XX/2018, I had to go again in person to one of their agents to get the amount refunded - still with no explanation, but that WU can not do business with the person. That seems like a classic case of discrimination. 

In my opinion, the WU organization has very, very poor customer service, as well as not performing what I asked them to do. And no explanation of why not.
Consumer complaint received 2018-12-26
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. (NY)

I am sorry if you get this twice, but I don't think it sent the first time. 
I never received a PIN after I put a freeze on my account at Experian in XXXX and tried to get the PIN by requesting it online and instead received the message attached. 

Never could get a live person to talk to. Are they or are they not issuing PINs after the XXXX security flaw exposure? 

What happened In XXXX, I placed freezes on my information at the three main credit reporting agencies. Even though I had read that PINs may be re-thought after the Experian 's latest industry malfunction, within a few days, I got a PIN via snail mail from XXXX, didnt receive one from XXXX   but was able to request another one by speaking to a representative over the phone recently and expect it will arrive any day. I did get confirmed through a live person at XXXX and XXXX that the freezes were in place. 

Then theres Experian, which refuses to have live people available for help. I went through prompt after prompt from one computer recording message after another. I was able to determine that there is a freeze on my account by choosing options leading toward unfreezing my account, which of course I can't do because I don't have a PIN and don't know how without one. So I requested the PIN online. After responding with all the requested information correctly, the system came back with the attached message, and I have since replied to it. 

This is just another example of a credit reporting company out of control and not being held accountable and responsible for the job it is supposed to be doing. I understand in light of the very poor performance of this industry that they may be taking extra precautions and I do appreciate " being protected, '' but they need to fix BOTH ends of the business, not just the protection side. And they need to give consumers access to a LIVE person. 

It's a good thing I don't have an emergency that I need to have money for. So they need to send me a PIN if they are still using them and, if not, an explanation of how to unfreeze my information easily and quickly when I want to. 

As a P.S., you have there are two wrong residential addresses on my account, which I tried to have removed years ago, and they refused because they said some financial institution reported that I lived there. I have lived in one house for over 40 years. At the time they insisted their info was correct. It wasnt and it still isnt. That's next on my list but I don't have much hope.
Consumer complaint received 2018-04-26
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 sent letters to all 3 national credit bureaus requesting that they provide me with my original signature and contract according to the section 609 rule. I also sent in an identity theft affidavit to show the case number of the police report. I received a letter back stating that all of my information has been verified, but they would never tell me how they verified the information. According to the FCRA AND THE FDCPA all information that is being furnished by the agencies must BE ACCURATE. I have found that information is very inaccurate on all of my accounts that were in dispute. How can a person open an account on two separate days? This information is being reported inaccurately and I would like for the bureaus to delete these accounts immediately and i will send the proof of the inaccurate information. They never sent me proof of the original instrument of indebtedness. According the section 623 rule, if items are being reported negatively on the report inaccurately, then the items must be removed immediately. They are unverified according to metro 2, they are not meeting the FCRA standards.
Consumer complaint received 2018-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX Please review documents attached and other complaint.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter serves as a follow-up to my Final Demand for Immediate Action regarding the unresolved disputes related to the inaccurate and unverified items on my credit report. I am deeply disappointed that despite my prior attempts to address these errors, you have failed to conduct a thorough investigation or take corrective measures.
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

I have been disputing an account with XXXX XXXX for over three months. When I call they say that they have sent information to XXXX to stop reporting. I have found that as of XX/XX/XXXX, the identity theft accounts are still reporting. 

I have also disputed the account with National Credit Systems. They asked that I submit an Identity Theft Affidavit, which I have three times and they send me a notice saying they have not received the affidavit. I even sent it as an attachment to my last XXXX complaint. When I called they said to send the forms that they request, but they would send those forms to me in the mail. When the mail arrived, it was the same FTC affidavit documents that I already submitted. I am to the point of contacting an attorney because they have hurt me so-much-so that I have been denied for credit with XXXX. XXXX has listed both of these companies as the reason for me being denied. 

THESE ARE FRAUDULENT ACCOUNTS.
Consumer complaint received 2018-12-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (OK)

In the beginning of XXXX of 2018 I sold my XXXX which was leased through gm financial. The vehicle was paid in full and I had a XXXX  balance on the account. On the XXXX of XXXX they took an additional {$340.00}. I called gm financial and they said it was an error and I would receive a check in the mail. The said they would discontinue the payments being taken out of my account. I never received a check. Now again on the XXXX of XXXX of 2018 they took another payment for {$340.00}. They are taking my money now without my authorization. Please help me get my money back this is fraudulent what they are doing. I have other bills that Im unable to pay because they take the money out of my account without any authorization.
Consumer complaint received 2018-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (UT)

I have enrolled in Auto Pay and have been making extra payments in addition to the automatic payments. I made an additional payment of {$800.00} on XX/XX/2018 over the phone. I instructed I did not want it applied to future payments and I only want to be applied to loan # 2. They misapplied the payment and since then my auto payments have been incorrect despite calling numerous times to fix the problem. I made another additional payment of XXXX on XX/XX/18. I once again called Navient and requested my overpayment be applied to loan # 2 and for it not to be applied to future loans. This payment was processed incorrectly. My auto payments have been incorrect since XX/XX/2018. I have multiple debits and credits on my account due to Navient trying to correct their error to the point where I an unsure of what my balance actually should be. I call at least twice a month for them to correct their mistakes.
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX was sold tranfer to portafolio never did any contract with them They have to XXXX tranfer to them that was already taking out of my credit report Was a fraud open XXXX un see my name and the company tranfer and sold to them portafolio recovery
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

on XX/XX/18 i signed up for a promotional account with citizens bank allegedly {$200.00} received for opening a " one deposit checking '' account if you set up direct deposit and made one deposit of {$500.00} in 60 days of opening account. on XX/XX/18 i made a direct deposit of {$500.00} to the new account. I contacted them at the end of XXXX and they replied 1 month later in XXXX and stated they had up to 145 days even tho the advertisement says 90 to pay out the promotion. In XXXX i went to the physical location rt XXXX XXXX NY and spoke to a bank teller showed them my correspondence with the bank and with my promotion. The teller said she thinks ive met the requirements and that it would most likely be paid nearer to day 145 like the message said when i had first inquired. Today XX/XX/18 i attempted to contact the bank again to ask if this would be paid out and they transferred me twice the second time hanging up from a hold system i called back and was informed the wait would be greater than 30 min so i sent them a online message from their web page and went to CFPB to file formal complaint.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, This complaint is against Experian for reporting inaccurate information. I called multiple times : XX/XX/18 and and XX/XX/18 and asked them to remove the dispute comments. THEY CONFIRMED BOTH TIMES THAT THEY REMOVED IT HOWEVER THEY NEVER DID. 

XXXX XXXX XXXX and XXXX XXXX are the accounts with inaccurate info on my report. 
Today I called to see if comments were removed and they STILL have not did this. Please tell these people to do what they supposed to do.
Consumer complaint received 2018-12-25
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: EQUIFAX, INC. (FL)

On XX/XX/18 I applied for a XXXX XXXX credit card on line through XXXX XXXX. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by XXXX XXXX. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at XXXX XXXX said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with Equifax and twice with XXXX XXXX XXXX  and was told that it was accurate and that there was nothing that could be done about it. I contend that XXXX XXXX  credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank/XXXX XXXX stated they would correct my status as paid on all three credit reporting companies, and they did correct on XXXX  and XXXX but not XXXX. XXXX  report has negative report.
Consumer complaint received 2018-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

This is absurd, Ive sent a letter to XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. A bill is NOT validation of an account, Im devastated that They have reported delinquent information to the credit bureaus without being able to properly VALIDATE this information. I feel violated, Im requesting this account to be removed.
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (WI)

On XX/XX/XXXX I received a text message at approximately XXXX stating fraud charges. All these charges were use in XXXX, IN. 
Fraud Charges- {$100.00} XXXX XXXX, {$95.00} XXXX XXXX, {$100.00} XXXX XXXX, {$92.00} XXXX XXXX XXXX and {$95.00} XXXX XXXX XXXX. At that time I called BMO Harris Bank and spoke to a representative who filed a dispute she also emailed me a form to take to a branch location in the morning. The representative also stated that I would receive a provisional credit once the forms were received in the REG E dept. She did inform me that it would take 7 to 10 days but I told her that is not acceptable because 2 bills were coming out my account and this would leave my account in the negative. As of today the money has not been placed in my account. I have been on the phone with multiple representatives from XX/XX/XXXX-XX/XX/XXXX. I need action done and someone to reach out to me regarding this matter. This is the short version of the issue. I have more to say but I will discuss this with BMO Harris CEO and board of directors.
Consumer complaint received 2018-12-26
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: Experian Information Solutions Inc. (NY)

I have tried a number of times to get my free annual credit report online from Experian, but every time I try I get the following error message : We're sorry. 
A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX.