davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

Good Morning on XXXX XXXXXXXX,2017 a large amount of XXXX was stolen out of my account. This was part of my rent money and also my kids XXXX money. I was told an investigation would take 30 days to complete. I am a single mom with XXXX boys that have severe XXXX. 2 days before XXXX I will be put out of my home. Never in my life of having bank accounts been told an investigation will take that long. I am beyond frustrated with TD Bank and there service. I would never again refer this bank to anyone.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (MO)

I had a check present on XX/XX/XXXX. At the time, my POSTED balance was {$170.00}. The check amount was {$300.00} and was POSTED to my account and subtracted to my POSTED balance causing my account to become overdrawn, at which time, I was charged an overdraft fee for an item that was paid. This item was only an " overdraft '' because Regions ' system posts the check as paid. I was originally told that it was in a " pending '' status for review yet it withdrew from my posted balance. The following business day, XX/XX/XXXX, the item was returned as an NSF item and then I was charged a returned item fee, which I do not dispute. I dispute the process in which their processing system loopholes overdraft fees to be charged to the account. Items should not post and withdraw from a posted balance unless they are items that are paid. I should not be charged an overdraft charge due to an item that was only overdrawn due to an item the bank did not pay and I was not truly overdrawn. Subsequent NSF fees were charged, as well, after I had filed a Reg E claim on XX/XX/XXXX totaling {$120.00} that was not resolved within the ten business day required. This {$120.00} in addition to the incorrect charge of {$110.00} from VIPStore ( the difference was refunded ) all totaled this negative balance. The processing system that Regions uses is rigged and allows overdraft fees to be charged when an account is truly not overdrawn. I had called on XX/XX/XXXX to ask about the process and have been getting the runaround ever since. Today was the third time I have had to call with no resolve still.
Consumer complaint received 2017-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hirshberg Acceptance Corporation (MI)

My State income tax refund was garnished and my bank accounts have been garnished. I do n't know what this is about. I have n't received information about this. To whom I supposedly owe money, how much, when etc ... I have tried to contact Hirshberg Acceptance repeatedly with no success.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Results Unlimited, Inc. (VA)

On XXXX XXXX, {$510.00} was held by my bank. Upon calling, I was told it was in regards to a legal matter. I was given a phone number to Results Unlimited regarding a debt that I was unaware of. I asked how and when they notified me about this. SHe told me she did n't have the file in front of her and did n't know. She asked how I wanted to pay and that my options were a credit card or they 'd keep the funds currently being held. ( which seems illegal to me ) I woke up with NO CLUE why money of mine was being held. Out of fear, I paid with a credit card over the phone and was told I 'd receive a letter and the hold would be removed by my bank. 
Today I discovered, after calling my credit card company, that Results unlimited took a cash advance from my credit cared and I was charged another {$19.00} dollars. I was NEVER told it would be a cash advance. I 've tried calling and it just rings and rings. My credit card instructed me to call them, as they could not refund the charge. 
This has been awful. All 10 days before XXXX. There has been NO communication.
Consumer complaint received 2017-10-15
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: Experian Information Solutions Inc. (AL)

I have contacted Experian about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.
Consumer complaint received 2017-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I email this company with a settlement offer, they accepted gave me a due date, but would not email me a copy of the offer. I told them that the other charges from the apartment was not valid and not my responsibility, I have pictures to prove the carpet was not damaged, the carpet had a odor and roaches noticed after I moved in, did not notice the first day because they had the air conditioning on, which was odd, since it was vacant. The same apartment which is now out of business has done this to many tenants based upon their previous reviews and complaints with the BBB. They also said that I did not leave a deposit, I left a deposit and a pet deposit. I was told that I signed a lease that said I did not pay a deposit, that had to be the renewal, because unless altered the first lease showed the deposits. The Company has done a lot of illegal things. Maybe the reason no longer in business. They are asking me for {$820.00} after giving proper notice and paying {$950.00}.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is not reporting my 2 XXXX XXXX accounts nor my XXXX charge account nor my XXXX XXXX credit card account. All 4 of these accounts are satisfactory accounts that should be reporting on my credit report why they removed them I do n't no but I want them to start being reported again. I contacted all creditors and requested they report my credit to transunion. I am also very annoyed that another account XXXX XXXX XXXX XXXX is reporting as a chapter XXXX bankruptcy I never filed for chapter XXXX bankruptcy this information is completely wrong and hurts my credit score. I want that remark removed because I never filed for bankruptcy
Consumer complaint received 2017-10-15
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: EQUIFAX, INC. (AZ)

I submitted a complaint via phone with Equifax XX/XX/XXXX regarding 3 unverified accounts being reported " XXXX XXXX XXXX '', " XXXX XXXX '', and " XXXX XXXX XXXX ''. I checked the dispute status today and it still says pending its been 39days it was said on the dispute status page that it was estimated to be completed by the XX/XX/XXXX. I have not received anything verifying theses accounts, nor any updates about this dispute.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Dear Equifax, XXXX XXXX, and XXXX! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State  including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX XXXX ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Terminated the lease of the car in XX/XX/2017. The finance company resold the car for more and will not remove the account from my credit after multiple requests to do so. Fraudulently submitted an auto claim to my insurance company without my knowledge or approval. Repeated phone calls to personal phone, employer and credit inquires
Consumer complaint received 2017-09-24
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: EQUIFAX, INC. (LA)

On XXXX2017 I sent in ( certified ) debt validation letters on behalf of myself, to all three credit bureaus. As of today, it is XX/XX/XXXXand I have yet to get a response regarding the matters on my credit report. It is well over 30 days, now entering the 60 day mark and past the grace respond period time. I am now requesting that all collections be removed from my credit report due to negligence by the companies to respond to my request in a tactful manner. Thank you
Consumer complaint received 2017-10-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (AL)

A check was written to me and my business from a Wells Fargo account and it was intercepted by a now convicted felon who is in custody of the NJDOC for XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : Purposely XXXX XXXX XXXX XXXX XXXX /2 The check was cashed by him and deposited into his business account. The law firm that owned the account closed the account shortly after this event and was no help in resolving this matter. I filled a complaint against the law firm, XXXX XXXX XXXX XXXX, XXXX, with the New Jersey Ethics Committee. As of this writing, I have not heard anything on the matter and have no idea what the final outcome was. The check was written XXXX/XXXX/XXXX. I handed over all my files to the FBI office in XXXX, to Agent XXXX XXXX, the agent on duty and she stated she would forward them to the appropriate agent/department. XXXX XXXX is the individual that cashed the check, and I can not understand how any teller would allow this unless they were involved or culpable in some way. I did not ever have any access to the check nor did I endorse it over to him. I have never been able to cash or deposit anything that was not made out to me unless it was signed/endorsed by the recipient first. XXXX XXXX, XXXX XXXX, and XXXX XXXX wife were charged by the NJ State Attorney Generals Office and there are numerous charges levied against them in the State of New Jersey court system. 

This was a real estate transaction and as a result of this theft by XXXX XXXX and his partner in crime XXXX XXXX, I am out of {$60000.00} which is outrageous. 

All documents are attached that I feel are relevant, factual and authentic. Some of the documents are official government documents which should leave little room for speculation or doubt. The check image, NJ State Attorney General public document, XXXX XXXX NJDOC incarceration record, NJ Ethics Committee documents and other supporting files.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XX/XX/XXXX. all three credit bureaus have the incorrect date in there system, that reads XX/XX/XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to XXXX over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with XXXX and transunion because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I had an account open with XXXX XXXX that was the victim of ATM fraud because something like that takes a long time to investigate and although it was decided in my favor the account was in the interim closed as a negative by mistake with XXXX XXXX  and reported to ChexSystems. When I notified ChexSystems about the fraud they referred me back to see our a management as a wider of that data and not XXXX XXXX  and that I believe is the loophole that they lean on to continue to report in accurate information and not to be in violation with the CFPB or the FCR it act. It is a direct violation of our rights as consumers and should be corrected and the firms fined and sanctioned. What good is the FCRA law of You can simply pass it on to a company with a PO Box and claim they are getting the information from them. That in itself is a violation since they are not getting the information back from the actual source.
Consumer complaint received 2017-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After making several calls to transunion and sending out several certified letters with the return receipts, regarding the following inquiries : 1. XXXX Fa XXXX 2. XXXX 3. XXXX 4.XXXX XXXX 5.XXXX XXXX 6XXXX XXXX 7XXXX 8.XXXX 9XXXX XXXX 10.XXXX XXXX XXXX XXXX they are reporting on my credit report. tRANsunion is reporting not yet proven compliant information. TransUnion has detailed on my credit report. Reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead Trans Union ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.
Consumer complaint received 2017-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was looking to buy a car and while shopping I had mentioned to the XXXX that I had a credit report and did not want them they run my credit. 

On all three credit report XXXX XXXX TransUnion shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

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
Consumer complaint received 2017-12-19
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. (VA)

I have 2 accounts on my credit report that has not been updated, I have tryed to fix this the creditor stated they sent updated information to be updated and it has not, One account is a car loan with XXXX  XXXX XXXX XXXX with a balance of XXXX and that account has been paid in full and another account is my credit card showing a high balance that has not been updated with XXXX XXXX XXXX XXXX with a credit limit of XXXX but the balance is incorrect I would please like this up dated immediately Thanks
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

Hello, I have recently discovered a large issue with my XXXX XXXX/Care Credit account. They have charged unauthorized card security fees labeled as " Card Security XXXX. '' Synchrony/Care Credit said they would investigate and it may take up to two weeks. Also said they would send me the paperwork proof I signed up if available. So obviously they are going to make up some paperwork or they 've snuck in the agreement to this somewhere in a very sneaky way. Regardless of either of those things, I never willingly or consciously agreed to anything of that nature. I never have and never will. The charges are currently {$42.00} per month but are based in a small percentage of your balance. For some reason only statements after 2016 are available, but the charges date back at least that far. After all this time I have just now discovered this. In addition, I have paid interest fees as a result of these card security fees. The fees have caused me to pay $ XXXX monthly in unnecessary interest. My balance has stayed roughly the same for years because of all this.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: GENWORTH FINANCIAL INC. (PA)

I received a letter, dated XX/XX/2017, from a company called Genworth Financial that it was updating a request to change my address, along with a " new schedule of benefits reflecting this change, '' which I was told to file with my " certificate. '' The letter includes an XXXX-number to call ( XXXX ) if I " have any questions about ( my ) XXXX XXXX coverage. '' The letter is not signed by anyone, just " Sincerely, XXXX XXXX XXXX XXXX XXXX '' and gives a coverage ID number ( XXXX ), that is allegedly my account number. The cover letter also has the Word document path info in the lower corner that you may see on business internal documents, but seems strange on a letter from a legitimate company to a customer. 

The second page of the letter has a simple listing two columns with " Covered Services '' and " Benefits '' which includes, for example, " Type II Covered Services : Nursing Home Facility, 100 % Most Common Charge not to exceed {$260.00} per day '' and so forth for assisted living facilities, home care, adult day care, respite care services. This page concludes with listing a " total lifetime benefit '' of {$7800.00}. 

Here 's my issue : I NEVER opened any type of account nor have ever done business with Genworth Financial that I know of. This letter appears to be a disguised marketing ploy that could be very confusing, as it makes it appear you already have an account with Genworth. As  mentioned above, the only way to contact the company and find out what is going on is to call the XXXX number. I have not called the number, just do n't have the time for this and do not want to make contact and receive more of the same from them. It clearly appears to be targeting senior citizens, considering the " benefits '' for nursing homes and the like. I turn XXXX soon, and have a husband who is at retirement age, so maybe that is why I was targeted? 

I have worked for both the XXXX and XXXX XXXX XXXX regarding XXXX XXXX and XXXX XXXX, and even after years of experience XXXX XXXX XXXX and XXXX XXXX, I was still confused about this one. It really left me scratching my head trying to figure out when/if I had signed up for something with Genworth, if it was some job benefit I had forgotten about or something. 

Thank you for your help.
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I recently checked my credit report through XXXX XXXX and noticed a Derogatory mark on XXXX. Also my credit scores dropped XXXX points. 

The collection agency is I C System ( {$160.00} balance ) and Original creditor is XXXX XXXX XXXX ( Opened XXXX XXXX, 2017 ) I have never opened any account with any of the companies owned by XXXX XXXX, such as XXXX XXXX or XXXX. 

This is obviously a case of identity theft or gross negligence on the part of I C Systems, who have erroneously misidentified me as the holder of this debt.