davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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. (TX)

TO WHOM IT MAY CONCERN I HAVE REACHED OUT TO CREDITORS AND REPORTING AGENCIES TELLING THEM I AM A VICTIM OF IDENTITY THEFT AND TO REMOVE ALL UNAUTHORIZED PHONE NUMBERS, ADDRESSES AND INFORMATION REGARDING ALLEGED ACCOUNTS I ASKED FOR PROOF OF SIGNATURE AND PROOF I RECEIVED INFORMATION THAT A DEBT WAS OWED VIA CERTIFIED MAIL AND I NEVER RECEIVED ANYTHING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Good afternoon. My car was repossessed on XX/XX/XXXX at XXXX a.m. in the morning according to the Sheriff 's Department in XXXX County. I am unable to confirm whether or not Capital One Auto Finance has repossessed car due to the fact that of all three occasions I have called them I get a pre-recorded message saying that no one 's in the office and to call back during business hours Central Standard Time. Please note and all three occasions were different times of day morning afternoon and evening during the business week. The other problem I have with the repossession no letter was sent out saying that I was in danger of my car being repossessed or action was being taken the only thing I've ever gotten from Capital One was a letter for my credit card because that is also delinquent. Now my phone number has changed and I tried to update my profile on their website on different occasions and for some reason Capital One has froze me out of my profile. Seeing is that I haven't been able to get hold of anybody at Capital One which is unusual according to my neighbor who also has a loan through them as well and they were able to get through right away. I have check the number and is the right phone number to call. The only other thing I could do or think of doing was to email them the right contact information. I am at a loss as to what to do next because I truly do want to sort this out and get my car back what Capital One is being difficult.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

The Company TD Auto finance has included 2 hard enquiries on XX/XX/2018 in XXXX credit bureau. These hard enquiries were not authorized by me and are duplicates. 

The only enquiry authorized by me was for XXXX XXXX XXXX XXXX and XXXX XXXX for Auto loan. I have given no approval for TD Auto finance for these enquiries. 

In addition they have added 2 duplicate enquiries on same day XX/XX/2018 in my XXXX file. 

I would like these2 inquires by TD auto finance Deleted and corrected at earliest reasons 1 ) Not authorized 2 ) Duplicate entries 2 hard pulls on same day XX/XX/2018.
Consumer complaint received 2018-12-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I sold my home with closing completed on XX/XX/XXXX. I received a confirmation letter from the mortgage holder, XXXX XXXX, dated XX/XX/XXXX that the account had been paid in full. A follow-up letter dated XX/XX/XXXX from a national clearinghouse in New Jersey confirmed all liens had been cleared. On XX/XX/XXXX I received an e-mail from Mr. Cooper claiming my mortgage account transferred to them on XX/XX/XXXX. The e-mail provided instructions on establishing an online account and automatic payments. Calls to Mr. Cooper and XXXX   XXXX  failed to gain resolution. On XX/XX/XXXX I received a letter from Mr. Cooper with a statement and a bill for mortgage payment on XX/XX/XXXX for the home which was sold on XX/XX/XXXX. Again a call to Mr. Cooper failed to gain resolution. I need for Mr. Cooper to cease these communications and close all references to this closed account.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This account clearly constitute a breach of contract and are fraudulent. The bank did not provide me with crucial information about this fraudulent account, which directly infringes on my consumer rights. As a result, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to intervene directly, as the bank 's actions have caused significant damage to my financial situation. The account in question is : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-28
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. (CA)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2018-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

TD blocks my access to make purchases using my debit cards. They close them out whenever they feel. This would be the 5th time within 6 months. Another situation TD refuses to investigate a Regulation E application in the amount of XXXX. They have compromised my safety and integrity. I totally been humiliated over time, my concerns unmet, and suffered too many bankedforced shut down and assess to my funds.
Consumer complaint received 2018-01-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Hello I sent off 5 dispute letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to send me verification of the late payments on 2 accounts that I question or remove them. 1 of the accounts was closed and transferred as paid with {$0.00} balance had late payments of XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX and the other one was in good standing which I 'm currently paying on had a late pyment of XX/XX/XXXX. In return I only was told that the accounts was mine and has been updated. While only disputing these 2 accounts, the account that I had that was in good standing was removed from my credit report when I only disputed the 1 late payment and there were now additional accounts that was closed and transferred with {$0.00} balance as paid payment status has now been changed to payment status unknown only with the 2 accounts in question.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Failed to pay property taxes after 5 phone calls to bank. They denied they did anything wrong and told me to dismiss delinquent notices due to the fact they paid the taxes. However they never sent me proof that they were paid. I pay my taxes in my mortgage and today received a certifed letter of delinquency.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information regarding the alleged debt : 1. The name of the original creditor.

2. The amount of the debt, including a breakdown of all fees, interest, and charges.

3. Proof that you are authorized to collect this debt, either through assignment or ownership.

4. Verification of the debt, including copies of any contracts or documents that show I am legally obligated to pay the debt.

5. A detailed payment history showing how the alleged amount was calculated and whether payments have been applied.

Until I receive this information, I request that you cease all collection activities related to this debt, including reporting this account to credit bureaus or pursuing legal action.
Consumer complaint received 2018-12-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (VA)

I am not sure if I am directing my question to the correct party, I entered into a loan agreement in XX/XX/XXXX. I missed a few payments at different times which had my account in a past due account however I made monthly payments. in XXXX my car was repossed 2 times, once in XX/XX/XXXX when I asked if I could make the payment on a Friday .. my  car was picked up at XXXX XXXX  and the payment was made at XXXX which included a bunch of extra fees, on XX/XX/XXXX at XXXX XXXX  my car was repossed again. I spoke with Snatander on XX/XX/XXXX, and XX/XX/XXXX and letthem know of my inmtention to pay on XX/XX/XXXX, my pay schedule and was told my car was going to be picked up. my account has XXXX in late fees which are charged at XXXX dollars a day, my car was in the shop twice in XXXX for major repairs ( replacement of the transmission which caused the car to stop in the middle of the street ) which I needed to rent a car for about 2 weeks that cost about 300.00- thus causing the payment to be behind a month- which was XXXX per month on top of XXXX dollars a day. In XXXX my car was in the shop for at least 30 days, because the drive shaft needed to be replaced I spent over 600 dollars renting a car for a month while XXXX worth of repairs were done. I asked Santander on more than one occasion if the late fees can be on hold while repairs were done or if they could push a payment to the end of the loan. I was told they could do nothing in regards to the late payments and they would continue to add up and they only push one payment back during the 72 month loan term which when on my credit report appears as 83 months. I have paid over 20,000 on the loan, the principal balance was XXXX and I am being told I my estiamted payoff as of XX/XX/XXXX was XXXX. I am not sure if any assistance can be provided or if I am even contacting the correct party. If there is a class action suit against them, I would like to be a part of that.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I sent a letter dated XXXX XXXX, 2017 to Capital One ( the company I have my credit card with that processed the charge being disputed ) explaining that I purchased facial cream under a trial period, and notifed the company within the trial period that the product did not work. This call to the merchant was to make sure I was not charged with the purchase. If I did not make this call, I was to be charged {$89.00} for the sample product and every 30 days a new shipment would be sent to me. Capital One took my complaint but had me go back and forth with the merchant multiple times trying to resolve the dispute, which I had done before contacting Capital One. After many calls, Capital One said they needed the cancellation number that the merchant provided me with when I called to cancel the product. Of course, the merchant knew the game and told me they do n't provide cancellaltion numbers. I even told Capital One that the merchant 's number says they tape the calls and I suggest that Capital One insist on hearing my calls to them. They refused. To make a long story short, Capital One refused to reverse the charge, saying I first needed to provide them with a cancellation # before they could reverse the charge. Capital One made the entire complaint about the cancellaltion, rather than about receiving a product that was a total fraud. I sent Capital One ( along with my letter of information ) 9 pages from different consumer organizations saying how the product and the merchant with frauds, the product did n't work and they were charging account, not crediting accounts back that had complaints, and illegally charging multiple times without consumer 's approval. Capital One chose to ignore all this information and refused to reverse charges, saying I could n't provide them with a cancellaltion #. This is the only dispute I 've had with any purchases from Capital One for a very, very long time and I 've been a customer of theirs for many, many years, which makes it more difficult to understand why they would be so difficult.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NH)

I have tried to dispute two items with XXXX, and the credit reporting agency steadfastly refuses to update their records to reflect what is in my XXXX report. If they dont comply and soon, then I feel at this point the only option left for me is to pursue a remedy in either small claims court or through the federal court system. 

The two items in dispute are an account from a company named XXXX  back in 2012 which is no longer in business as I understand it and a student loan from XXXX ( a private company ). The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX  XXXX. XXXX continuously reported the loans late on my credit even though they never were.
Consumer complaint received 2018-01-14
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (KS)

I checked XXXX XXXX today, and there are 2 Hard Inquiries made on my Credit Report from the same company on 2 different dates that I am not aware of ever submitting. the company is ONEMAIN FINANCIAL the dates are XXXX XXXX XXXX and XXXX XXXX, XXXX. 
Which has resulted in my credit score dropping.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: ROBINHOOD MARKETS INC. (MN)

I am a victim of identity theft and I have never applied or opened any investment account with Robinhood due to me being incarcerated from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally lodge a complaint regarding a XXXX XXXX  account ( account number beginning with XXXX ) that is being reported by Experian. The account fails to maintain maximum possible accuracy and completeness, as it lacks essential balance history, payment history, and scheduled payment information. This information is vital because the account is reporting alleged late payments that can not be verified through the reporting account itself. 

This incomplete reporting does not align with the requirements set forth in Title 15 USC 1681e of the Fair Credit Reporting Act, which mandates that consumer reporting agencies ensure accurate records. Furthermore, under 15 USC 1681i, I have the right to dispute inaccurate information, which reinforces the obligation of reporting agencies to maintain complete records. 

I have already disputed this matter with Experian ; however, the outcome indicated that the information was deemed accurate, despite its glaring incompleteness. An account can not be considered accurate if it does not contain the requisite details or completed in whole.
Consumer complaint received 2018-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC (TN)

There was a simple mail issue with XXXX in 2011. Whether they never sent the statement or the neighbor with the identical address as mine on the other side of the circle ( XXXX XXXX XXXX ) got my mail and did n't return it, I never received it. Once I was aware of the debt, I paid it in full. 

I assume somewhere around the same time period, XXXX XXXX XXXX who is now under the name of Revenue Assurance Professionals, bought the debt. Well when they contacted me, the debt was paid to XXXX so I would n't deal with or speak with them. XXXX  2011, they hit my credit for the debt. I disputed it and although they removed the amount, they have continued to report it and still reports it today. I never did business with them and they have no right. I paid my creditor and remain in good standing with them. My credit is great and I am a responsible adult as noted with my payment history. This is wrong and they are bullies. I have made numerous attempts to contact them and dispute it ( they were beyond rude ), I have disputed it with credit agencies and they still leave the debt, and I have written the FTC to no avail. I even tried to BBB and that did no good. If you look up their original name, you will see all the bad reviews and complaints all over the internet. This company should be ashamed of themselves. Go after someone trying to get over, not innocent people like me!!
Consumer complaint received 2018-07-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY (CT)

TD Bank has left me in SEVERE financial hardship and no way to pay my rent or other bills. 

On XX/XX/2018, a Saturday, I was attempting to make a purchase with my TDbank debit card. The purchase was declined. I called my bank to see if they could rectify the problem and a rep told me that my account was drained because of an " offset ''. I checked my account and there were XXXX dollars in the account that should have had {$1200.00} in it. Also, appearing in the transaction history are these items : DDA OFFSET XXXX - {$310.00} DDA OFFSET XXXX - {$460.00} DDA OFFSET XXXX - {$270.00} DDA OFFSET XXXX - {$100.00} DDA OFFSET XXXX - {$77.00} totaling {$1200.00}! 

The ENTIRETY of ALL my money with TDbank. They took it all. I do not have other accounts elsewhere with any funds in them -- this was ALL the money I had to support myself. And of course, no one at TDbank is anywhere near helpful, so I have had to wait until monday because their " collections department '' is closed on weekends, and standard tdbank lackies do nothing because they aren't in that department. Tdbank 's social media is merely damage controlling PR, ignores you, and is not supportive whatsoever. 

I have no knowledge of these other accounts that supposedly are in my name for which tdbank insists I owe them this money, nor have I ever recieved postal mail, email or phone calls insisting I owe money on past accounts at this bank. Td bank has taken money out of my account for accounts I didn't even know existed! 

Additionally, according to the " Right to Offset '' law, social security funds are EXEMPT from " the right to offset '', Section 207 of Social Security Act ( 42 USC 407 ). Tdbank has taken social security funds that were deposited into the td bank account which was drained. " A Financial institution can not offset social security benefits against any other debts owed to the bank. '' But they still did, of course! to the tune of {$86.00}. 

My account was completely drained and brought down to XXXX - leaving me with no way to pay rent, buy food, money for transportation or my medications. If TDbank does not refund my money to me immediately or rectify this issue either by phone or in person, I will be filing more complaints with the FDIC and the Office of the Comptroller of the Currency, who regulates TD BANK , N.A . 

TD bank has left me in severe financial hardship, leaving me without a way to pay my rent to keep a roof over my head, no way to pay bills and no way to even buy food or pay for transportation. TDbank " Customer Service '' lackies should be ashamed to work for such a heartless, greedy bank that would do this to their customers and leave them in a near-homeless situation. 

Also I was not able to afford my medication due to TDbank taking every cent I owe and TDbank has caused me to miss doses of a medication that I can't currently afford. 

I want this situation fixed ASAP, or I will consult a lawyer. 

FIX THIS, TD BANK.
Consumer complaint received 2018-07-22
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. (OK)

Transunion is reporting inaccurate information on credit inquires on my credit report. I have sent Transunion 2 request to verify the information they are providing on my credit report. The first letter sent to Transunion was XX/XX/2018 and the second letter sent was on XX/XX/2018 below are the inquires that are in dispute. 

1 ) XXXX XXXXXXXX date of inquiry XX/XX/2018 2 ) XXXX XXXX XX/XX/2018 3 ) XXXX XXXX XX/XX/2018 4 ) XXXX XXXX XX/XX/2018 5 ) XXXX XX/XX/2018 6 ) XXXX  XX/XX/2018 7 ) XXXX XXXX XX/XX/2018 8 ) XXXX XXXX   XX/XX/2018