davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (TX)

I was not notified that there was a debt owed to the company and before they notified me so we could resolve the issue, they pulled my credit without my permission thereby damaging my credit score as reported by the credit bureaus according to my credit monitoring service. I have asked them to remove record of the credit pull or change the credit pull to a soft pull so that it will not adversely affect my credit score but have refused to take action. 

I contacted the company 's representative on XX/XX/2019 to withdraw the credit pull or at least change it to a soft pull but they refused even though we came to a settlement agreement. 

I also notified the company of the dispute via mail on XX/XX/2019 that I have attached to this dispute.
Consumer complaint received 2019-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The Tranunion representative refused to let me dispute a inquires That was made with my authorization Theb.representative state to me that it was a factual statement and its nothing I could do.I explain to him, no its not factual when permission wasnt giving to run my credit.He went on to say two in one day is concerned as one, its not a big impact on my credit score.The inquires thats is questions is, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (NY)

Im a victim of fraudulent scam someone deposited fraudulent checks into my checking account I met this person online the person told me that he is involved with a charity program doing charity work for the XXXX and under privilege people he told me the program involves with the XXXX XXXX XXXX and the XXXX and I could register to get involved with the program and it will be like a part time job where I will be payed by doing charity work for the program everything sounded legit so I did the registration he said he needed my banking account information in order to deposit their money for me to purchase Items like XXXX gift cards so I gave him my account number and he deposited the first check in the amount of XXXX dollars so I purchased the gift cards worth the value of the money and tell hem each number from the back of each card for him to send to the XXXX in the meanwhile I though everything was legit then he deposited another check in the amount of XXXX dollars and asked me to purchase more gift cards worth the value of the money and let him know the numbers on the back of the cards which I did on the XX/XX/19 I tried to access my checking account and was unable to do so then I contact my Bank which is Td bank to asked why I cant accessed my account then they told me my account is overdraft by XXXX XXXX dollars and I need to come in and speak to customers service which I did on the same day I told them what had but I did not know the checks was fraudulent they told me to make a police report so I went to the XXXX precinct in XXXX XXXX where I live to make the report then I had an appointment to speak with the detective at the precinct which he asked me to asked the bank for a copy of the checks and all the gifts cards for him to make copies for the investigation which I did he gave me the police report to take back to the bank which I did the bank made me do an affidavit stating I didnt endorse the checks and I was allowed to open a new checking account. I got a letter from Td bank dated XX/XX/19 stating my account is overdrawn and I need to remit the amount at my local td bank Store after I submitted a police report and did a sworn affidavit they still asking me to pay off the debit even though Im the victim of fraudulent scam my salary went into the account when I asked them for my salary they didnt give it to me honestly I didnt know that I was being scammed I though the program was legit else I would not have given out my banking information and Im so hurt about the whole situation cant even get over it.
Consumer complaint received 2019-02-20
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: RateGenius Loan Services Inc (CO)

To whom it may concern : I went through XXXX XXXX to see about refinancing my auto loan. When I asked to see what kind of loan I might be able to get I was contacted by several agencies. I ended up speaking with the first one that contacted me and they advised me they would do a soft credit inquiry. I agreed to it, however, I got a hit on my XXXX  Credit report from a company I hadn't even spoken with. They pulled my credit report which lowered my score without my consent. Below is their information. 

Alert Date XX/XX/2019 Source XXXX  Company RATEGENIUS/XXXX XXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX I didn't give consent to have my credit pulled and after speaking with XXXX XXXX they agreed that this wasn't a practice that they approved of and opened a Complaint Case : XXXX Against them. I was told by XXXX  that I needed to call the RateGenius back and ask them to remove the inquiry, however they claim that XXXX XXXX allows them to pull people 's credit. Even if that's the case they refused to call XXXX  to remove the inquiry after I made it clear that I wasn't going to business with them.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

This is concerning Experian Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report. 
XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX  was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX  called me to inform me of the fraud and told me they would close the card as they did and I agreed. XXXX  & Experian refuse to remove from my credit history after they been shown the information as FRAUD
Consumer complaint received 2019-02-20
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)

So I recently disputed several inaccurate items on my credit report on Experian. I disputed exactly how it is said to do and used factual information and attached documents to support my reasoning for what I wanted done. Out of the 8 items I disputed only one item was removed from my report. I have attached a copy of what was sent to me. I don't understand how you ask a person to be specific and then when it happens nothing is done. These are clear violations that are showing on my report. XXXX XXXX XXXX was the only account that was removed. On the attachment I am sending I have marked all the inaccurate and clear violations such as date of status not being updated to show that a investigation was even performed, late payments on accounts after the accounts are charged off and closed, and monthly payments on a account that are closed and sold/transfered but doesn't even state who bought the account. These are all violations and I have asked for these accounts to be removed /deleted from my credit report. On XXXX XXXX it shows late payments and I have never been late. I have asked Experian to provide me the paper work or a bank statement to show me proof that I was ever late. I have never received anything. I have also asked for documents showing my signature on a contract and they have not provided this information either. I am very upset because I am getting no where with these disputes and I am showing them that the items they are quote on quote verifying are being deleted by XXXX and XXXX so how is it still showing on mine after I have disputed. All the bureaus get there information from the same sources so why am I not getting the results I have asked for. I don't want a letter telling me I need to be more specific because I have attached my dispute letter as proof that I am being very specific in what I am saying and wanting done. I also want my personal information to be corrected to one date of birth, one social security number, one address, one employer, one phone number as I have asked and disputed as well.
Consumer complaint received 2017-10-01
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: Experian Information Solutions Inc. (VA)

Asked both XXXX XXXX and Experian to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within XXXX hours and after XXXX no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated
Consumer complaint received 2017-10-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

On XX/XX/XXXX a Presentment under notary seal of dispute and verify the alleged debt was sent to XXXX XXXX XXXX XXXX XXXX XXXX CFO XXXX XXXX. XX/XX/XXXX a Notary Certificate of Dishonor and Non-Response was sent. XXXX XXXX XXXX XXXX continued to send collection notices for this debt that they would not validate under the THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT. On XX/XX/XXXX XXXX XXXX XXXX XXXX accepted a permanent loan modification fully satisfying the alleged debt. Money Order # XXXX was accepted and applied to alleged debt on XX/XX/XXXX having the Contract statement written in a conspicuous place : Full Satisfaction of all Claims. The terms of the contract are clear according to XX/XX/XXXX Maryland Code COMMERCIAL LAW 3-311 & UCC 3-311. The alleged debt has not been discharged according to law. XXXX XXXX XXXX XXXX is now threatening foreclosure by way of the UNITED STATED POST OFFICE.
Consumer complaint received 2018-05-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.
Consumer complaint received 2017-10-01
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. (NC)

I started receiving e-mails from XXXX XXXX and XXXX XXXX   on XX/XX/XXXX that changes had been made to my profile information. When I signed into my accounts the address, phone and e-mail had all been changed. I have checked all of my profiles and found that they have also done this to my XXXX card, and XXXX XXXX, XXXX, XXXX and TransUnion account. I have called all of the affected credit card companies to report the fraud and cancel the cards. I have reported the fraudulent information to XXXX and they have deleted all errors. I can not reach XXXX or TansUnion by internet or phone. I have attached a list of all the accounts that were affected. I also took screen shots of the accounts that they had changed my profile in. I will attach some of those as well. 

There have been many attempts to open credit cards and loans using my identity and twice they have gone into XXXX to change my address. This address also shows under my addresses listed on XXXX and TransUnion. I have attached a list of all the accounts that they tried to open. 

I believe my identity theft is due to the XXXX Breach. Although my first indication that something was wrong was onXX/XX/XXXX, the first fraudulent attempt to open an installment loan was through XXXX XXXX XXXX on XX/XX/XXXX. 

I have created an identitytheft.gov account. My FTC Report Number is XXXX. I am not attaching that report because it has personal information on it. 

I have placed a 90 day fraud alert at all Bureaus. I have placed a freeze on my account with XXXX. I can not access my TransUnion account due to tampering therefore I can not freeze that Bureau. I can not access XXXX by phone or on-line to freeze that Bureau. I have called and spoken to someone at XXXX whose sole purpose is to tell you to go to http : XXXX. I had done that when the breach was announced and then tried to enroll on the dated given to me ofXX/XX/XXXX. On XX/XX/XXXX, I received my e-mail to access the XXXX XXXX Account, but I receive a Credit Lock Status Error. 

I have reported my identity theft to the XXXX, NC Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX. I have reported my identity theft to the XXXX, CO Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX ext # XXXX. 

The fraudulent address, phone and e-mail are : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX This is an e-mail account that I never created
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One has repeatedly ignored my pleas for help regarding 2 Capital One accounts opened in XX/XX/2015 fraudulently. I was a victim of Identity Theft in XX/XX/2015. Capital One was notified of this matter numerous times and simply ignored the fact of my circumstances and continued to report these cards as belonging to me. One card has a balance of XXXX opened on XX/XX/2015 and another card has a balance of XXXX opened on XX/XX/2015. A individual was identified as committing the identity theft with those accounts but Capital One did nothing to pursue the theft but refuse to help and continue reporting these accounts as a charge off.
Consumer complaint received 2019-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... PLEASE HELP
Consumer complaint received 2019-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (NY)

ACS Educational services was in charge of my loan repayments. However the loan is now in default- I never received a letter or email stating why or how it got to that stage and where the payments went or how they were applied to my account. I am in dire need of who I need to speak with to rectify the matter. But since my loans were consolidated I am lost on where to start. And I am upset this company played around with providing services.
Consumer complaint received 2017-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (TX)

Received a letter on XXXX/XXXX/2017 from XXXXnited Collection Bureau Inc. regarding a debt collection. Sent United Collection Bureau IncXXXX a letter on XXXX/XXXX/2017 requesting their Texas XXXX XXXX XXXX and debt validation pursuant to Texas Finance Code Section 392.202. XXXX XXXX XXXX XXXX responded on XXXX/XXXX/2017 with account statements from the original creditor but failed to provide their Texas XXXX XXXX per Section 392.101 of the Texas Finance Code and other documents required by Texas Finance Code Section 392.202.
Regardless of the validation requirement not being met, United Collection Bureau has violated Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Texas law considers a debt collector as any person who regularly attempts to collect debts owed to themselves or others. 

Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.
Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402.
Consumer complaint received 2017-10-02
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. (VA)

I HAVE DISPUTE THIS ON XXXX XXXX. XXXX AND I WAS INFORM BY A LETTER FROM XXXX XXXX XXXX THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND EXPERIAN CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XXXX OF XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH XXXX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED XXXX XXXX XXXX ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XXXX OF XXXX BUT ON MY XXXX CREDIT REPORT IT SHOWED A DATE OF XXXX OF XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM XXXX XXXX XXXX REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX. AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XXXX OF XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO XXXX XXXX XXXX IN THERE ANSWER THAT THEY GAVE ON XXXX XXXX XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY XXXX OR MY EXPERIAN CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY XXXX AND MY EXPERIAN CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT
Consumer complaint received 2017-10-01
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: Stellar Recovery, Inc. (MD)

I XXXX XXXX believes that I should have been notice from Stellar Recovery , Inc. that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to Stellar Recovery , Inc . If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request XXXX and XXXX to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT STELLAR HAS WITH EACH CREDIT REPORTING AGENCY!
Consumer complaint received 2017-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.