davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from the advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  -Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days. pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all the needed documents as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: POPULAR BANK (CT)

I have a recurring automated debit to my account that had insufficient funds for an error at another financial institution, however my issue is with Banco Popular Community Bank  notification communications and fee policy. 

My sole monthly automated transaction in this account is in the amount of {$110.00} which then overdraw my account and was returned on XXXX/XXXX/XXXX The bank has since charged me a total {$98.00} in fees since, and I am receiving my first notification via direct mail today ( XXXX ) and it is dated XXXX. 

This seems abusive and excessive especially since the bank has both my email and mobile number. I can understand one fee of {$34.00} for being overdrawn once! But the daily {$5.00} fee when they are sending direct mail and additional {$34.00} of the company 's second attempt totally {$98.00} is abusive, especially given that I am only receiving notification of this on XXXX. I would have rectified this situation immediately if I were properly notified of the issue, as I will be doing today. 

I only have an account with this bank as my XXXX speaking parents find it easy to bank with them. As such, I am aware that this bank target customer is XXXX speaking customer, and I find their practices and policy to be malicious and ill intentions as they are expecting their customers to not be aware that there are agency set in place to protect them such practice. This is not the first time I have issues with their practices but its the first time I am filing a formal compliant. The fees in total are nominal to me but this bank has unfair practices and policy and are taking advantage of their customers base. There are technologies available to allow the bank ( or any company ) to communicate to their customers for required notifications. This should be a use case ( along with many others ) of what would quantify as a required notification with a customer 's available contact information ( email and direct snail mail ). Its XXXX, not XXXX where email and internet were brand new. I believe an audit is more then warranted and Banco Popular Community must be held responsible to step up, as many banks have done with proper notification of required information. There should be no excuse!
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (VA)

On XXXX/XXXX/XXXX, I called Wells Fargo at the following number : XXXX XXXX XXXX XXXX, to complain about an entry on my checking account for {$210.00}, for an online loan company called XXXX, of which I did not authorize. The Wells Fargo online banker proceeded to inform me that I was being assigned a claims number ( XXXX ) and a reference number ( XXXX ) ; and that it would take two weeks to investigate this matter. This call was at approximately XXXX am. Not being satisfied with this practice of allowing companies to take funds from my account, particularly the XXXX, and others, I then decided to go to the local branch office to close one of my accounts, because I believe there are fraudulent bookkeeping practices at this local branch, located at XXXX XXXX XXXX XXXX in XXXX Virginia. 

At approximately XXXX pm, I then went into the aforementioned XXXX XXXX branch, and asked to speak with the XXXX, however, XXXX XXXX XXXX XXXX bank XXXX XXXX spoke with me first, and I proceeded to inform her of the above incident, and I asked her if this bank had a relationship with XXXX, because I have noticed irregularities with my account, and the entries made with XXXX I also notified her that I would be making an official complaint. I asked to close my business account, and also asked for as many statements, that I could have. XXXX XXXX said I could have as much as five years worth, but I requested only for the past year. She said the copies would be free, however, before completing the copies, she then went to discuss the matter with XXXX XXXX XXXX the XXXX XXXX. At this point XXXX XXXX stated I had to pay {$5.00} a page for copies, and so I asked for whatever free copies I could get. In addition, XXXX XXXX threatened to file a complaint about me, if I were to complain about the bank. I then completed the task of getting XXXX month worth of copies of all my accounts, paid the fee for my business account, then closed the business account. It was my decision to leave my everyday checking/saving account open because it would take two weeks for my initial complaint ( see above ) to be resolved.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from TRANSUNION, XXXX XXXX have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (SC)

Security credit services reported this debt multiple times on each of my three reports as a new account in XXXX month.I never received a notice to dispute or even an explanation of the debt. They call my cell constantly and the one time I answered the lady would not explain what the debt was for and told me they did not have time to mail me a notice. It is Security Credit Services XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX/XXXX/XXXX for XXXX date reported XXXX/XXXX/XXXX phone number XXXX
Consumer complaint received 2024-10-07
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)

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Thank you for your time and help in this matter.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XX/XX/XXXX, my husband XXXX XXXX and I closed his accounts with HSBC. Despite that, we received a statement in XX/XX/XXXX for an amount we own as we accidently charged the HSBC card for a transaction we made. We paid the balance, called and went to a branch ( XXXX, NYC ) to confirm the accounts are not all closed. The banker and the call center representative confirmed all accounts are now closed. 
A YEAR later, XX/XX/XXXX, we received a statement in the mail informing us the card is closed. However, at the same week we received a later showing we have an amount due on the card. When we called the call center we were surprised to find that not only we have an amount due but that the bank has moved our account to COLLECTIONS! Which obviously impacts our credit score! we did NOT receive any notification of this amount  previously or were aware of such charge ( as we were told the card was closed ). 
We called the bank multiple times, each time the representative told us to call a different department ( from general to recovery to collections to disputes ). This is absolutely outrageous! Firstly because we did NOT use the card! Secondly, because even if we did, as the bank confirm the card was closed, the transaction should have been rejected! and THIRDLY, if a charge was made, we should have been informed BEFORE the case went to COLLECTIONS! HSBC has been harassing my husband who is a doctor and a resident at a hospital with a very limited time! they DAMAGED his credit score!! and they have accepted a charge on a CLOSED account!
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

After checking my credit reports I noticed a debt collection from Convergent Outsourcing , INC . I have written to this company for them to supply me validation of said debt. I received a bill. I have never had a contract with this company. I wrote to them again about this matter and have received no response.
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I applied for a personal loan online and received three pre-approval offers from One Main Financial XXXX. I selected one of the pre-approval offers for a unsecured personal loan that had the terms clearly stated on the website. A representative from One Main Financial XXXX contacted me by telephone to go over the details and asked me several questions about my income and expenses which all the information I gave the representative was exactly what I had submitted online. The representative then tells me they would not be able to help me and I was it approved for the loan. The reasoning 4 not being approved part the employee was due to my living expenses and debt to income ratio. The online loan application process and follow up with Company employee not only displays false advertisement and misleading information but very poor business practices. After receiving the disapproval I contacted the employee again to let her know there had been a mistake with the figures I had given her for my living expenses by several hundred dollars. After recalculating the figures the employee provided another excuse of how they would not be able to help me with the loan and that I was still would not be approved due to their company policy. I asked the employee where I could find the information regarding what is required of the applicants to be qualified for the loan and or company policies that she referred to and I was told that information was not for me to know. Due to the treatment I received from the employee of OneMain Financial I feel I have not been afforded the same opportunities and fair treatment as other applicants would have been afforded, therefore due to being an individual on a very low fixed income due to XXXX XXXX have become a victim of lender discrimination.
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I originally applied for a new Capital One card ( this would be the 4th card I have with them ) in XXXX 2017.  Once I received the card I did n't setup the account right away ... I did however make a purchase using that card later on after which I attempted to login to the website and pay the amount off. 

When I tried to login to the capital one " buypower card '' website it was different than my normal capitalone.com account. I tried to setup my card and it came back with an error. Frustrated and unable to call them right then ; I waited until I got another chance to make my payment attempt. This happened several times until I finally called Capital One. 

The girl on the phone explained that they were having website issues and that she can process my payment over the phone. I had asked her if the account went into collections and she said they had begun the processes but since I was making the payment now ; it would automatically reverse itself after 30 days. It has now been 90 days and this item is still on my credit. 

I attempted to call Capital One today and I was finally able to link my credit card account into my correct Capital One account. The balance was still XXXX ; but I told the person on the phone about what had happened and they said they do n't have any power to remove this item from my credit. I also spoke to a manager which basically verified that they ca n't remove it once it has been reported. 

He offered to remove the fee 's associated with the late transaction and I told him that was n't what I cared about. I cared more about my credit. That is why I am writing you.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

I have a complaint about Synchrony Bank. Over the last 3 months, I have been requesting validation of a debt that is listed on my credit report for a Chevron Credit Card. I have been asking for evidence that bears my signature that shows I have a contractual obligation to pay Synchrony Bank. I have not received anything that I have requested and it is still being reported to all XXXX Credit Bureaus.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (NV)

RE : XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX 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  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 XXXXXXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX I have recently obtained a copy of my credit bureau-Experian, XXXX, XXXX ) credit report. It showed a credit inquiry by the companies listed below that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry 's removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 

I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,
Consumer complaint received 2024-10-04
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (MO)

In response to XXXX first and foremost we did not receive the ENCLOSED SIGHNED SALES RECEIPTS as stated in TDs reply. All we recv 'd was their letter response dated XX/XX/year>. Second-we contacted them numerous times when this anomaly of a charge showed up and claimed it was fraudulent. Their reps told us TWO affidavits of fraud were sent out to us. We never rcvd EITHER of them. At that time, why then not offer a different avenue in which to send the affidavits? Email/Certified w/ signature etc. We obviously recv 'd their letter of response to the CFPB. 

We claim this amount of {$42.00} as fraud and perpetuated by TD Bank as XXXX XXXX  verified the amounts on the bills we have and did not have this as a " computational error '' as TD bank asserts. TD bank without any degree of communication ( written/email/phone etc. ) arbitrarily decided to charge the account {$42.00}. This constitutes fraud by their hand. So by this behavior TD Bank can create and post a transaction to any card w/o notifying it's customer? 

We attempted numerous times to contact TD Bank regarding the status of this transaction and none of their reps were able to shed light on it. In addition, we were locked out of making a payment online for the payment due date of XX/XX/year> and XX/XX/year>. We were told by their reps that because we filed a complaint with the CFPB they froze our ONLINE profile and could only make the payment via mail or phone. We were not NOTIFIED of this freeze. We made a payment by phone w/ their agent on XX/XX/year> for the XXXX payment and XX/XX/year> for the XXXX payment. Both times we were on hold for over an hour trying to connect to someone. Because we filed a complaint-this should not exclude us from paying online. I felt discriminated against because of our filing w/ the CFPB and this made me feel as if they wanted me to default to lose the promotional interest free offer. TD Bank is practicing unfair business acumen and appears to be criminal on the surface. I do not accept their response and expect to have the {$42.00} removed from the account due to their abhorrent handling of this entire exchange and an apology letter is warranted. I will NEVER do business w/ any TD bank or affiliate in the future.
Consumer complaint received 2017-11-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Liberty Holdings, LLC (CA)

the collections company uses a phone number of XXXX XXXX XXXX a dummy number that they are calling from, they somehow access my contacts on my phone and are calling them XXXX my contacts XXXX and leaving messages about me being sued and asking them XXXX my contacts XXXX if they know me when they say no, they state that yes you do know her and repeat my name to them. I believe this to be a form of harassment. this should be illegal.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I have attempted months ago prior to this complaint to call and send in a letter but Experian is showing some addresses on my report that are incorrect and according to 15 USC 1681a-1 " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. The incorrect/non mailable addresses are : XXXX XXXX XXXX XXXX MO, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX MO, XXXX
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

This account was previously removed. According to FCRA I am suppose to receive a 5 day notice before the account is reinserted. Please remove the XXXX XXXX XXXX XXXX from my report. You are in violation of the FCRA.
Consumer complaint received 2017-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (UT)

I received a XXXX XXXX on XXXX XXXX, XXXX. We paid our out of pocket deductible to our insurance company. The insurance company was XXXX. After getting calls about unpaid bills that the insurance company did not pay, we agreed with the hospital to pay an amount of {$3100.00} and the account would be paid in full, and the account would be closed. I paid the amount of {$3100.00} on XXXX XXXX, XXXX with a XXXX credit card and received a confirmation number of XXXX that the account was paid in full. It is now XXXX of XXXX, over 15 months later and I have a outstanding balance on my credit report claiming I owe {$4900.00} to " med data systems '' I was contacted by credit agency via phone call and I expressed there has been a mistake. They replied by telling me they just collect the debt and it needed to be paid. I asked them to send me statement in the mail to validate the claim of me owing med data systems {$4900.00}. I never received a statement in the mail or a phone call. These claims have been a mistake by the billing department and now reflect on my credit report. I want my credit report to reflect that this claim of {$4900.00} is a mistake. I have paid the hospital in full and the account should be closed.
Consumer complaint received 2017-11-08
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. (TX)

XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.