davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (GA)

On XX/XX/XXXX and XX/XX/2019, my debit card was charged 15 times to XXXX XXXX in several different states. I discovered it on XX/XX/2019 and reported it to Direct Express, They immediately cancelled the card and issued another card. They sent the paperwork via mail about the dispute for me to complete. I received the letter on the XX/XX/XXXX and on the XX/XX/XXXX, I dropped it in the mail. I was calling every other day to check if they had received it and each time they would say they have not received it. On XX/XX/2019 they advised me that I can send it by fax and on the XX/XX/XXXX I  faxed it to the Fraud Department. I called on XX/XX/XXXX to see if they had received my fax and I was informed that they received the fax. I asked when will I receive a provisional credit and I was informed that it was past the ten days from the initial call and I would not receive a provisional credit. I feel this is unfair to me because I did not authorize no one to use my card or my number. I do not understand why I have to be punished for someone who stole from me. Below is the list of the charges that was done on that card : XX/XX/2019 : XXXX store # XXXX Amount : {$22.00} XXXX store # XXXX Amount : {$31.00} XXXX store # XXXX Amount : {$24.00} XX/XX/2019 : XXXX store # XXXX Amount : {$31.00} XXXX store # XXXX Amount : {$22.00} XXXX store # XXXX Amount : {$38.00} XXXX store # XXXX Amount : {$36.00} XXXX store # XXXX Amount : {$34.00} XXXX store # XXXX Amount : {$24.00} XXXX store # XXXX Amount {$36.00} XXXX store # XXXX Amount : {$32.00} XXXX store XXXX Amount : {$43.00} XXXX store # XXXX Amount : {$36.00} XXXX store # XXXX Amount : XXXX XXXX store # XXXX Amount : {$27.00} These are the charges that was charged to my debit card. My SSDI check is direct deposited to this card and I was under the impression that my benefit check will be safe with them and now they are telling me that I will not get my money back because of the deadline, this is not fair at all. 

Thank you for your cooperation XXXX XXXX
Consumer complaint received 2019-05-08
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. (CA)

XXXX and Experian are reporting incorrectly a collection on the XXXX account numbers - XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have attached two statements from XXXX XXXX that clearly show an accurate payment history of these accounts, with no late payments and no balance due. I have also attached an updated credit score from FICO dated XX/XX/2019 stating XXXX XXXX XXXX XXXX account balance went from {$2600.00} to {$0.00}. This incorrect reporting and coding of these line items on my credit report are harming my credit score.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I sent in a complaint several months ago, XXXX I believe, and got a response from you. Complaint number XXXX. Your response dated XX/XX/XXXX said I had 60 days from when 5/3 bank answered the complaint to give feedback. Today is XX/XX/XXXX and when I logged in to try to respond I can't click next, it says case is closed. I do want to provide feedback. The answer indicated I had no case because there was no bank error found. I never said it was a bank error. It was HUMAN error, as I was told I had more time to add the extra XXXX to my account to satisfy all the conditions to get the bonus money for opening the account. If you look at the timeline as to when I added the extra XXXX you will see it corresponds with my having been told I had 90 days. I understand that a shorter time frame is in the small print, but I was definitely TOLD I had XXXX, and just though that perhaps 5/3 bank was the sort of honorable institution that would honor what a customer had been told, even if the information was inaccurate.
Consumer complaint received 2023-06-28
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Consumer complaint received 2019-05-08
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. (VA)

XXXX XXXX in XXXX, VA had forced place insurance on an auto loan " jointly '' owned by myself and my ex husband XXXX XXXX. I called in and provided XXXX XXXX with proof of XXXX and paid $ 70.00+ to ensure the account would not incur and issues. I was advised the forced placed insurance amount would be fully credited back to our account and there would be no issues moving forward. Recently I pulled my credit report and saw that they had reported to Trans Union 10 Late Payments from the date of when we last spoke. This information is INCORRECT. I have tried to communicated with them and ask for them to correct this error and they refuse. I was told that " they '' were not aware all of the forced placed insurance would not be refunded and therefore it left our account with a small balance of roughly {$270.00} which projected a small increase in payments. We were never made aware of this and therefor though payments were being made and made on time they continued to report to our credit bureau and not advise us. When I asked why they never contacted me I was told since I am not Primary they had to call my ex husband first and never got a hold of him. Why did they not exhaust all forms of communication? This account is mine as well and they had ALL of my information including an email address. They neglected to contact me and insist this is not their fault.When you have two borrowers on a note both are responsible and both are to be contacted. But yet they contradicted themselves stating they did foresee the refund amount not being fully refunded and they never stated why they did not contact me. If you look back on my 16 years worth of Credit History there are no late payments. So their breach of duty and negligence has caused issues with my Credit Report and is impacting both my ex husband and I in a negative way. I find this to be immoral and poor business practices. They by all means should correct this ERROR they made and be sure to have our Credit Reports corrected as well.
Consumer complaint received 2019-05-06
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: EQUIFAX, INC. (IL)

I SUBMITTED DISPUTES TO EQUIFAX AND XXXX TWO OF THE THREE CREDIT REPORTING AGENCIES TO LET THEM KNOW THESE ACCOUNTS OF BANKRUPTCY IN MY PUBLIC RECORDS SECTION OF MY CREDIT REPORTS WERE IN ACCCURATE AND THEY SENT ME RESULTS OF THE INVESTIGATION STATING THESE ACCOUNTS WERE MINE AND THEY WERE VERIFIED AND I ALSO ASKED FOR PROOF OF THE THESE INVESTIGATIONS AND HOW THEY WERE CONDUCTED AND VERIFIED WHEN KNOW ONE FROM EITHER COMPANY WENT TO THE COURTHOUSE THAT THESE SO CALLED ACCOUNTS WERE OPENED AND OR CLOSED
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020, I contacted Experian via USPS Certified mail to request a investigation into 5 accounts that were incorrect on my credit report. I never received a response from the company even though they received my dispute on XX/XX/2020 via certified mail tracking receipt. I contacted Experian a second time via USPS Certified mail on XX/XX/2020, to notify them that they failed to comply with my request within the allowable timeframe and to please remove all 5 incorrect accounts. They received this request on XX/XX/2020 via certified mail tracking receipt and they have not honored my request to remove the account they failed to investigate. Instead on XX/XX/2020, report # XXXX, I received dispute results for accounts that were Disputed & received on XX/XX/2020. I did not dispute any accounts on XX/XX/XXXX, I was asking to have the accounts that were NOT investigated from XX/XX/2020 to be removed. This company is breaking the Fair credit Reporting Act law. Please assist.
Consumer complaint received 2019-05-08
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: EQUIFAX, INC. (CA)

Equifax and XXXX are reporting incorrectly a collection on the XXXX account numbers - XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have attached two statements from XXXX XXXX that clearly show an accurate payment history of these accounts, with no late payments and no balance due. I have also attached an updated credit score from FICO dated XX/XX/2019 stating XXXX  XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX account balance went from {$2600.00} to {$0.00}. This incorrect reporting and coding of these line items on my credit report are harming my credit score.
Consumer complaint received 2020-11-17
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. (FL)

On XX/XX/2020, I contacted Equifax via USPS Certified mail to request a investigation into 1 account from XXXX XXXX, that was incorrect on my credit report. I never received a response from the company even though they received my dispute on XX/XX/2020 via certified mail tracking receipt. I contacted Equifax a second time via USPS Certified mail on XX/XX/2020, to notify them that they failed to comply with my request within the allowable timeframe and to please remove this false account. They received this request on XX/XX/2020 via certified mail tracking receipt and they have not honored my request to remove the account they failed to investigate.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On or about XX/XX/2023 by father XXXX XXXX issued a check in the amount of {$24000.00} to me via US mail. The envelope containing the check was apparently stolen out of the mail. the check was then fraudulently altered and deposited atTD Bank in XXXX XXXX, FL. We reported the fraudulently altered and deposited check to the XXXX XXXX Police Department. This was the appropriate jurisdiction, after I checked with a representative of the States Attorney 's Office. We submitted copies of the cancelled check as well as a photocopy of the original check that was sent to me. A copy of the correspondence, and cancelled checks are included with this complaint. My father, XXXX received correspondence today from XXXX XXXX XXXX XXXX  that TD Bank was not cooperating with them to process our claim. My father and I are requesting the bureau 's assistance to contact TD Bank to expedite processing our claim through XXXX XXXX  so that we can be made whole. As the depository bank for an obviously fraudulent check they're responsible and need to be held accountable as such.
Consumer complaint received 2019-05-06
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. (IL)

These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( listed 6 times ), XXXX XXXX, XXXX XXXX, XXXX, XXXX Card. I have sent in police reports, identity theft reports put a fraud alert on my credit report & you continue to report these even though they should not be on my report.
Consumer complaint received 2020-11-17
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. (GA)

I tried to reach out to this company for 6 months ( since XX/XX/2020 ) and nothing has change regarding the student loan account on my credit. I do not owe any student loans nor do I owe a collection account. This information is wrong and should be removed from my credit. This has been on my credit for 9 years. If this information is not removed from my account I will take legal action.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2019-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NC)

This matter involves Paypal not administering and discharging their duties of customer account ledger balance returning funds ; upon account closure. I have attempted to resolve the issue with Paypal several times to no avail. The complaint is that they will not return funds back to me that remain on my account when I sought to close my accounts. Instead, I was instructed my only option was to donate the said funds to a charity of THEIR chose. This made little sense to me, because it is my money on ledger. They stated there was no way to return funds back to me upon account closer and my money would be essentially disregarded as theirs '. I find no permissible way, arbitrarily speaking, for a financial bank of institution [ and in this case an electronic non-brick-and-mortar establishment ] to not be able to return or deposit remaining funds or transfer remaining funds to another financial institution of the account holder. Paypal insists further, it has privileges. 


I find this a serious allegation for the company to resolve. 

There are numerous accounts associated with my name or EIN.
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Shellpoint Mortgage Servicing took over my mortgage from XXXX XXXX XXXX at the beginning of the year XXXX have had several banks service my mortgage although I never instigated it. Shellpoint insists that my mortgage has been 1 month late since XXXX. Although I have made every payment with only 2 late charges since XXXX they insist I am one month behind for the amount of {$3800.00}. The other banks never mentioned this. I received my loan history report [ enclosed ] and discovered where / when / why the problem started. I emailed Shellpoint a letter explaining everything in detail [ enclosed ]. I just received a letter from them explaining that they had made up there mind and will not open my complaint again. It is a very clear but Shellpoint refuses to admit their mistake. They call me every day on both my cell and home phone and they send me foreclosure letters.They want me to pay the amount and if they are found wrong they will give it back to me. Please read the attached emails .. I spent alot of time putting this together. Thank You
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Data and Contact Management Solutions, LLC (MA)

I sent an email to dcm services who are a collection agency and are handling my account with XXXX XXXX credit card. We set up a verbal agreement that for 12 weeks XXXX would be withdrawn from my checking account. About 2-3 weeks ago I was unable to have the funds available for this withdrawal. I sent an email to dcm services and informed them of my situation, I stated that to stop the withdrawal from my checking account as the funds are not there, also explained that I can not keep our verbal agreement and asked if the money I already sent can be a paid agreement. I also stated that I would like verification of the debt, I have filed a dispute with XXXX  credit bureau and XXXX. Dcm services ignored my email and are still withdrawing funds from my checking account.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (IL)

I am getting married in XXXX and I have make payments to vendors for wedding and each time I make a payment from my personal checking account my bank charges me a convenient fee. Which I have never been charged before. I dont understand this fee. So if I go on vacation and use my debit card Im I to be charged a service fee to pay hotel in XXXX, XXXX can far. 
Also when they charge this made up fee it has caused my account to go negative and it snow balls from there.
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (NC)

On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about 09/15/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )
Consumer complaint received 2020-11-17
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. (NH)

{$430.00} is supposedly owed by me. Which it isn't. Experian claims I owe XXXX this amount. Which wasn't mine. It says the term is 1 month old. And I opened this account in XXXX. Which I did not.
Consumer complaint received 2020-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13. 

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )
Consumer complaint received 2020-11-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-17
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: EQUIFAX, INC. (CA)

I wanted to reach out to resolve an issue with a recent credit inquiryon my accountwithout my approval by XXXX  XXXX  XXXX  before I reach out to the credit bureaus and CFPB ( https : //www.consumerfinance.gov/ ). While I am out shopping for a mortgage, I have never applied for a loan with XXXX  XXXX  nor did I authorize a credit check by this lender. 

I want you to be able to resolvethis for me at the earliest. This is outright identitytheft by your company and I want to make sure I reach out to you before I take further actions. 

XXXX XXXX  XXXX, XXXX XXXX. 

XXXX XXXX