davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MD)

I opened a TD Beyond Checking account with TD Bank , N.A . on XX/XX/XXXX, which promised a bonus of {$300.00} if I made cumulative direct deposits of {$2500.00} within 60 days of opening the account ( i.e. NLT XX/XX/XXXX. ) I made the required direct deposit ( from my federal pension ) on XX/XX/XXXX - fulfilling the requirement. Per the terms of the offer the {$300.00} bonus was to have been deposited in my account NLT 140 days after the opening of the account ( i.e. XX/XX/XXXX. ) This did not occur. 

On XX/XX/XXXX I contacted TD Bank customer service ( via phone ) spoke to XXXX and enquired as to the delay. Over the course of ~ 45 minutes she put me on hold 5 or 6 times to confer with other staff, initially could not find or confirm the terms of the bonus agreement, ( eventually ) confirmed that I had met the terms of the offer but could not explain why I had not received the {$300.00} bonus. She indicated that she had forwarded the case to fulfillment staff, said I should see the bonus in my account by the following Tuesday ( XX/XX/XXXX ),  and ( in lieu of my request for a confirmation number to identify my case ) she said that she would annotate my account with the details I had provided so I would not have to repeat them to another customer service representative. 

When the {$300.00} bonus did not appear in my account on Tuesday ( XX/XX/XXXX ) I called TD Bank again and spoke to XXXX. She told me that my account had NOT been annotated as promised, and we spent another ~ 40 minutes as I explained the history of my account and XXXX put me repeatedly on hold as she consulted with other staff. Eventually she told me that my account would be reviewed over the next fulfillment cycle ( which she estimated as 3 - 4 weeks. ) I told her that this was unacceptable and that I would be filing a complaint with the CFPB and the Controller of the Currency about TD Banks failure to honor the Bonus Offer.
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (CA)

RE : Dispute of Derogatory Report from National Recovery Agency / ( BXXXX XXXX XXXX ) We received a letter/statement from National Recovery Agency ( NRA ) on XX/XX/XXXX dated XX/XX/XXXX stating that we had been placed into collection with them by a law firm ( XXXX XXXX XXXX ). We were the victims in a theft case that XXXX XXXX XXXX had been representing us in, but after closing the case we received a final billing that we are disputing. 

As per the instructions on their ( NRAs ) own notice dated XX/XX/2018we were notified that we had 30 days to notify them if this claim was in dispute, which we did by phone ( ( XXXX ) XXXX ). 

Directly thereafter, we again followed up ( by mail ) with NRA again stating that they were not to continue contacting us on this matter until such time as they had a valid claim ( such as a judgment against me ). We stated again that this was not a valid bill. This was done to NRA by U.S. Mail ( certified, return receipt requested ). They ( NRA ) received and signed for the letter ( copies attached ) on XX/XX/2018 again well within the 30 days stated on their own paperwork of XX/XX/2018 ( copies are attached ). 

In response to our certified letter, on or about XX/XX/2018 from NRA we received a copy of a XXXX XXXX XXXX billing summary, which reflect totals that we are contesting. ( copy of postmark and front page of document attached ). 

On XX/XX/XXXX we checked our credit reports, and found that NRA had placed a derogatory entry for collection against me with XXXX. It is our understanding that under provisions set forth by the Federal Trade Commission and other governing legal bodies this is not legal since this is a contested debt and neither XXXX XXXX XXXX nor National Recovery Agency has obtained a judgment against me. Furthermore, it seems National Recovery Agency placed this derogatory entry with XXXX  on XX/XX/2018 which is even before their original notice to me dated XX/XX/2018. This allowed us no time to inform them that this bill was being contested. 

Once again on XX/XX/2018 @ XXXX, I called NRA ( XXXX ) XXXX to discuss the fact that they ( NRA ) had illegally posted a negative entry onto my XXXX report. After much initial stonewalling by a Mr. XXXX, I was transferred to a manager XXXX. He stated that all I could do was forward my information to them via their attorneys email address ( XXXX ) and he then just hung up.
Consumer complaint received 2020-05-23
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 (CA)

In XX/XX/XXXX I set up a payment plan with XXXX for a trip to XXXX for XX/XX/XXXX. Due to Covid 19 in XXXX the travel agency turned off their phones and went out of business. Their website instructed us to follow up with our credit card company for refunds. The trip was canceled by then and the flights canceled by the airline. I reported this to capital one on XX/XX/XXXX and opened the dispute. As of today I still have not been reimbursed. I was told by and agent in XXXX and XXXX that a check was sent out and the funds were taken from account on XX/XX/XXXX. I speak with a supervisor today and was told the funds were being held but the department isnt open until Tuesday. This is horrible customer service and I have always been a great customer with them. I need those funds back. The supervisor also told me the merchant never replied and I won the dispute.
Consumer complaint received 2020-05-23
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: TD BANK US HOLDING COMPANY (CA)

This XXXX XXXX came broken and they assembled wrong. On first day, I emailed a lot and got nowhere. I emailed many many times. Just a run around. I contacted TD to chargeback or do warranty claim and no response and cant log in. They need to take this broken piece of junk off my property and refund fully and pay interest on how long they have kept my money. The arm came lose, monitor never worked, cupholder broke off and pedals came flying off. motor would fire randomly. I cant tell you how many times I got hurt and sent emails and photos and videos on. They did nothing. I should be doing an injury lawsuit. I have contacted a class action attorney. We will see if TD fixes this.XXXX XXXX  credit XXXX
Consumer complaint received 2023-08-15
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. (FL)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commercial Acceptance Company (PA)

In XX/XX/XXXX I had a XXXX  XXXX XXXX so I was in the hospital for a week then went through XXXX  etc. Then the hospital bills came, I had to fight every step of the way to get my insurance to pay. I resubmitted everything probably 3x and was left with a bill of {$15000.00} that I paid. But there was a seperate bill from the XXXX  dept that was missed {$1500.00}. I made a {$250.00} payment on this on XX/XX/XXXX and was looking to pay off in a couple weeks. Then the corona virus hit and XXXX XXXX was shut down like all other businesses in the state. We were able to do take out so I called Commercial Acceptance to pay the balance of {$1200.00} and gave XXXX XXXX ( scammer ) there account # XXXX. She said that I owed {$1600.00} now that more stuff was added on my bill. It didn't make sense cause the put it on my credit report as {$1200.00} that brought my score to XXXX from a XXXX. XXXX XXXX ( probably not her name ) said it would be taken off my credit report if I paid on XX/XX/XXXX! It was never taken off so I missed out on getting the loan we needed to get outside seating for the bar requirement. On XX/XX/XXXX I receive a letter from XXXX XXXX  for Final Notice for another {$1200.00}! I called they didn't know what happened called me back a hour later and said I still owed this the {$1600.00} Went to a hospital bill that was settled in XXXX and was already removed from my credit reports over 4 years ago. She lied and scammed me out of this money and delayed our timeline on construction that is a estimated loss of {$45000.00} cause my credit report was not fixed. So they bullied me into paying another {$1200.00} on XX/XX/XXXX. I recorded all phone calls and have all canceled checks. I called XXXX Hospital today and they said I was at a {$0.00} Balance for XXXX XXXX XXXX so the {$1600.00} was just pocketed by Commercial Acceptance. This debt was paid in full when I called XXXX hospital they said XXXX was at a {$0.00} balance.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Following passage of the CARES ACT my Federal Student loans were placed into forbearance. Prior to the forbearance my loans were completely up to date with no late or missing payments ever reflected on my credit reports ( Including Equifax ). After my loans were placed into forbearance Equifax proceeded to DROP MY CREDIT SCORE BY 55 POINTS! The purpose of the Act is to provide mandatory forbearance without it reflecting a late payment or non payment or impact a credit score. 

I contacted Equifax and started a dispute. Equifax closed the dispute by reflecting that my loans were in forbearance as a result of a natural disaster however they have not corrected their improper drop of my credit score. Equifax is the only credit agency that has lowered my credit score.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

On XX/XX/2020 I have disputed a bankruptcy that XXXX XXXX is reporting that they verified first hand from the XXXX District Court. I have attached documentation from the XXXX Court that they Do not report to any third party agencies. I have also disputed the bankruptcy information that XXXX, Equifax and XXXX is reporting as the information was verified by XXXX XXXX.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KS)

Started a Credit Card through XXXX XXXX with XXXX XXXX. Set up automatic payment with my checking account. XXXX  XXXX sold the account to Comenity on or about XXXX of XXXX. XXXX   XXXX did not send information regarding automatic payment to Comenity and I was not informed of the change in ownership for the account until I received a late payment notification on or about XX/XX/XXXX from Comenity. I call comenity and requested full payment of my outstanding balance on XX/XX/XXXX and I made the stated payment of XXXX on that date. I received this date XX/XX/XXXX notification of 2 late  payment statements on credit report from Comenity and a balance remaining of XXXX. Comenity was called and stated the late payment was assessed at XXXX XXXX XXXX XXXX on XX/XX/XXXX after my phone call. They stated they would be unable to remove this late fee and will not be able to remove the incorrect late payment notification from my credit report. I paid my account by automatic debit from my checking account, was not informed of the change from XXXX XXXX to Comenity, paid my account in full as soon as I was informed, now have a late fee remaining on my account which was assessed after my full payment and have two negative reports on my credit. I believe I have acted in good faith in the situation and believe that comenity should wave the late fee assessed after my payment in full and remove the negative statements from my credit report
Consumer complaint received 2020-05-23
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: CITIBANK, N.A. (TX)

Call into Citi card in XX/XX/2020 about deferred payments when COVID 19 negatively affected our plumbing business which is our only source of income. Was told we would be deferred for 3 months and it was early in the process and they were still figuring everything out. We were not contacted or called until I got a notification from the credit bureau that I was three months behind. So not only did they report to credit bureaus that we are 90 days late, but now they want 3 months of payment and stated that we are not eligible for any COVID relief. They said they didnt contact us because we were on a no contact list.
Consumer complaint received 2020-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, TransUnion : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Through many dispute attempts, I was unsuccessful in removing the duplicate accounts. 
XXXX is the only updated bureau. There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received an email today, XX/XX/2020, after XXXX XXXX, read Bank of America decided to close my credit card account with them on XX/XX/2020. I don't owe any money on my Bank of America Credit Card. So, I telephoned Bank of America and was transferred about five ( 5 ) times to different persons. The last individual ( female ) told me a collection agency sent to them about me. The lady sayed she was going to get her supervisor or manager on the telephone whom never spoke. I let this lady know that both President Obama and President Trump made Veterans Choice Program for us veterans to go to doctor. I further stated that I provided pre-authorization letter to doctor a few years ago that is supposed to pay for doctor bill by the Federal government. I stated that Bank of America should let me respond to any negative information provided to them about me before taking any negative action against me or closing my credit card account with them. I told the lady about how I have been discriminated against in similar fashion during my lifetime, now being a senior citizen. Lady placed me on hold again and did not come back to telephone. I told lady I am going to file a complaint if she doesn't open my credit card account back up.
Consumer complaint received 2020-05-22
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: Phoenix Financial Services LLC (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so  bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2020-05-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2020-05-16
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: BOEING EMPLOYEES CREDIT UNION (WA)

I have an auto loan with BECU. I have never been late on the payment but I just found out I have a 30 day late showing up on my credit for XX/XX/2020. I use bill pay to make my payments, and I've attached 2 bank statements to show the payment history for each month since I bought the car. Every month, I transfer the payment of {$320.00} from XXXX XXXX XXXX XXXX to BECU and my payments are processed. The payments are due on the XXXX of each month and I've never been 30 days late. Can you please investigate this for me and advise me of the results? My credit has no blemishes on it other than the BECU late payment, which is erroneous and I am hopeful you can clear it up for me. I am trying to refinance and this is really hurting my loan. BECU account # is XXXX. Please let me know if you need any additional information. Thank you, XXXX XXXX
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On XXXX XXXX I submitted proof to Experian and XXXX that the Bankruptcy item was unverified. On XXXX XXXX I received an alert from Experian stating that they will notify me when my dispute is complete. They fail to remove the accounts that I proved to be unverified. I filed a police report I also filed a identity theft report with the FTC as well as an affidavit. This item remains on my credit hurting my score after I demanded removal with 609 credit letters which ask to send the original documents of these debts or remove the items within 30 days these companies failed to act in removing these items.
Consumer complaint received 2020-05-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Yes I have been saticefied with the actions of credit bureau when comes to my credit. I have submited Identity Theft Reports to bureau 's and there are still Addresses and accounts that they refuse to take off and it is affecting my ability to get credit. And I'm looking to buy a property in the near future.