davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of  their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/XXXX.
Consumer complaint received 2020-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Time Investment Company, Inc. (OH)

XXXX payment was set up on an automatic payment plan with Time Investment Co. In XXXX I discovered that they had cancelled my automatic payment without notifying me. By the time I discovered this my next payment was already late. I made my payment through online banking through my checking account. I gave the company the check number, and proof that payment was made and asked them to stop calling me 3 times a day in writing on XX/XX/XXXX. They continued to call 3 times a day and email daily. On XX/XX/XXXX I told them again in email to stop calling me or I would report them for harrassing me. On XX/XX/XXXX they cashed the check, but they have continued to call me 3 times a day and email me daily.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I filled a dispute with XXXX in XXXX and I haven't received anything from them. They sent me a letter saying they couldn't verify my Identity even though I sent in documentation verifying my ID and my ssn but I was referred to their website to create a paid account to verify my Identity. They refuse to acknowledge my disputes over phone unless I pay for one their products
Consumer complaint received 2020-08-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (NY)

I have an open account with TD Auto Finance and make a monthly minimum payment of around {$360.00}. Lately all my payments have been on time however there was a time where i made frequent late payments due to financial hardships caused by medical health issues. Im just now starting to get over these medical issues and am looking forward to rebuilding my life and credit report with on time payments, responsibility, and good will.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc. (GA)

Past due debt has been paid in full as per our agreement ( see attached ). In which I obtained a deletion letter. We are trying to close on a house in XXXX  days and I need this account deleted ASAP
Consumer complaint received 2022-11-14
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I submitted a letter to the XXXX and Equifax XXXX XXXX XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filled a dispute with Transunion in XXXX and I haven't received anything from them. They sent me a letter saying they couldn't verify my Identity even though I sent in documentation verifying my ID and my ssn but I was referred to their website to create a paid account to verify my Identity. They refuse to acknowledge my disputes over phone unless I pay for one their products
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

On XX/XX/XXXX, I opened a Free checking bundle which consists of a Free Checking account and a saving account with First Citizens Bank. According to their marketing materials, customers are promised to " get {$300.00} when you open a Free Checking with a {$50.00} minimum opening deposit and open a saving account. '' Additional requirements include ( 1 ) establish direct deposit of at least {$1000.00} per month OR ( 2 ) make 10 debit transactions within 90 days of account opening ( see attached advertisement ). I made 11 debit card transactions, and the last transaction posted on XX/XX/XXXX. 

The {$300.00} was advertised to be paid out 120 days after customers meet the requirements which in my case was on XX/XX/XXXX. The bonus had not been deposited to my account, so I reached out to the bank via a secure message on XX/XX/XXXX. On XX/XX/XXXX, a customer service specialist named XXXX replied that I did not get the bonus because the direct deposit requirement has not been met. On XX/XX/XXXX, I replied back and explained that I met the requirement by making 10 debit card transaction within 90 days of account opening. On XX/XX/XXXX, XXXX replied using the same boilerplate answer and informed me that I did not receive the bonus because I have not met the direct deposit requirement. This signals that First Citizens Bank is not going to honor the bonus by the debit card requirement as advertised.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

I applied for an XXXX XXXX which advertised {$50.00} cashback after a {$200.00} purchase. I made a {$340.00} purchase soon after receiving my card and did not receive my {$50.00} cashback.
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (MD)

GM Financial ( GM ) XXXX. XXXX XXXX XXXX, TX XXXX RE : Account # XXXX The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. The abusive practices, deceptive and unfair debt collection practices by GM will not continue to violate my consumer 's rights. In pursuant to 1692 using symbol in the contents of an envelop that would signal that this is a debt collection practices. Every debt collect, original or third party all put their logos like GM in the content of the envelope is an infringement upon my consumer 's right to privacy as well as misleading representations in pursuant 15 USC 1692e and these violations needs to be address appropriately. This Affidavit of Truth has been submitted in regard to the violations committed by GM. Federal violations against a federally protected consumer. Enclosed are exhibits proving some of GM wrongdoing. In pursuant of 15 USC 1692K I submitted a remedy for each violation of the FDCPS is {$1000.00}. Affidavit of Truth, Invoice and Exhibits have been sent via certified mail with return receipt. All pertinent documents are enclosed. GM please be advised you also sent me another consumer 's account payment history. GM what should I do with the contents. Should I forward it to the consumer Ms. XXXX XXXX.
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HomeTown Lenders, LLC (AK)

We refinanced our from a construction loan to a conventional mortgage with HomeTown Lenders in XX/XX/, but were required to have an escrow holdback to complete work on the home that was weather-dependent. We completed this work in early XXXX when the weather and contractor 's schedules finally worked out. 

XXXX XXXX over servicing our mortgage and regular escrow accounts in XX/XX/ and are not involved with this issue as far as I know. 
XXXX XXXX XXXX Escrow specialist at Hometown Lenders , contacted us on XX/XX/XXXX. 
-We turned in certificate of completion for the escrow holdback on XX/XX/XXXX. 
XXXX XXXX XXXX request, we turned in paid-in-full invoice from contractor stating we do not owe him anything XX/XX/XXXX and the payout should be going to us. 
-The final inspection was taking too long so XXXX asked us for pictures showing completed paint and siding to release the check to us XX/XX/XXXX, I sent those promptly. 
XXXX said she requested funds to be sent and was going to have a check number for us on XX/XX/XXXX. 
-It appears that XXXX left the company XX/XX/XXXX and my file was dropped on XXXX XXXX XXXX desk, the VP of underwriting. 
-XXXX could not help me or get me an update on the status of our check all of XXXX, appears to have left the company as of XXXX XXXX as well. 
XXXX XX/XX/XXXX that inspector finally showed up to confirm the work was completed. 
XXXX XX/XX/XXXX XXXX emailed me the contact info of XXXX XXXX XXXX XXXX XXXX XXXX and CEO. 
-After no responses, I tried texting XXXX XXXX XXXX number on Thursday XX/XX/XXXX, he seemed responsive by asking for details but then radio silence since then. 
XXXX managed to contact XXXX XXXX XXXX Monday XX/XX/XXXX, who confirmed she is no longer employed by Hometown Lenders . She gave me the Chief Transaction Officer 's XXXX XXXX contact info. 
XXXX XXXX answered the phone, asked for some details to be sent to his email and said to contact him at the same time the next day ( XX/XX/XXXX ) XXXX XXXX or XXXX would answer the phone, text, or email yesterday XX/XX/XXXX All of the people I worked with to refinance my mortgage are no longer employed at the company and the management keeps referring me to each other. It appears to me that the lender is having serious issues and I would like my Escrow Holdback funds to be paid out.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SD)

I bank with Wells Fargo Bank, in XXXX XXXX, SD. Last week, they had Cancelled my Debit Card, WITHOUT my knowledge because they said that I had filed a Fraud Claim & that I, myself, had Requested that they Cancel my Card. They said that they have sent me a New Card, but I still haven't received it. I did NOT request them to Cancel my Card & I did NOT file a Fraud Claim. Someone also said that I was Told that my Card would be Cancelled. That's also not true because I filed the Claims online, not on the phone.

* Today, I went into my Account & Checked out how my Disputes are handled. Most of them said " Closed '', but they did Not say whether or not my money was Refunded... they just said Closed. I called & asked what CLOSED meant. XXXX said CLOSED meant that the Charge was Valid & that they did not Refund my money. Now, I Have had Charges that they Refunded in the pass, but I also noticed that it was quite a while ago.

* My issue is they Do Not tell you what the Results of their Investigation are. The Disputes just say " CLOSED ''. By Not telling me what CLOSED means, I don't know their reason for not refunding my money ... nor do I have an option to agree or disagree with their decision. 

* I checked out my most recent Dispute and found that they had Combined 3 different Disputes in to One. There were actually Two Claims. One was for {$12.00} thru XXXX to a Company called XXXX, I Cancelled that {$12.00} Dispute because I realized that I HAD made that purchase. 

* However, there were 2 other Charges for {$6.00} each made by XXXX, that did Not go thru XXXX. I Disputed those 2 charges. I called & talked to XXXX & asked why they cancelled my Debit Card. He said they Cancelled my Card because I had filed a Fraud Claim & that they automatically Cancel the Card when a Fraud Claim is made. I said I did NOT file a Fraud Claim. I filed a DISPUTE Claim. I Disputed the 2 {$6.00} charges because I didn't Approve or Authorized those Charges. He insisted that Filing a Dispute Claim is the Same a filing a Fraud Claim. I thought, so why don't they just call it a Fraud Claim instead of a Dispute Claim. I asked him his Last name & he hung up on me.

* Now, I'm Afraid to filed a Dispute because if I do, they will cancel my Card. What a wonderful way to keep people from filing a Dispute. If they File, they will lose their Debit Card without any Notice. Still waiting for my Replacement Card.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WI)

EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Business on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I am a victim of identify theft and this has impacted my credit score.
Consumer complaint received 2022-11-14
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK ()

On XX/XX/XXXX, I started a relationship with a XXXX  mining company on the website XXXX. I made several contributions during the month of XXXX accumulating funds of {$47000.00}. When I wanted to dispose of them, they began to ask me for more money for it. Since I did not agree to deposit more money, they transferred the funds to the entity called First Horizon Bank?, with its main address in XXXX, Washington State, because they said that it would be easier to manage and transactions that I wanted to carry out. I wanted to make a transfer and a credit card request, but they asked me for the transfer {$2000.00} in expenses. I asked them to deduct the available funds from XXXX and they refused. I have decided to cancel the transfer or do it for smaller amounts but they do not give me access to my account, nor do they assign me the credit card even though it is " approved '' but they do not want to activate it. My first question is whether that entity exists as such and second because they do not allow me to make transfers deducting the expenses of the funds that remain available in the account. I am an XXXX  of the Government of XXXX, I am not involved in money laundering nor is the money going to be dedicated to criminal activities, all this would be declared to the Department of XXXX of my country. I honestly think I've been the victim of a scam and what they're trying to do is get more money out of me.
Consumer complaint received 2022-08-31
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: EQUIFAX, INC. (FL)

My identity was used on the following dates listed below in an attempt to obtain goods and services for which I did not authorizes, give consent nor had knowledge of these inquiries being made. These inquires has seriously caused me harm for i am not able to obtain suitable having for both me and my children. I am seeking removal of these inquiries. 
Creditor Date fraud began : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One bank has ignored my Ceast and desist request to stop communicating with me through all mediums which includes mail and stop the illegal reporting of this alleged account on my consumer reports every month. Unless they are communicating about complying with my demands. They have threatened to ruin my reputation many times. This is an alleged account it isnt mine. This is the second time I dealt with a fraudulent account with capital one.
Consumer complaint received 2021-11-01
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: EQUIFAX, INC. (MI)

While applying for a mortgage, the bank pulled a credit report and there was an account with the XXXX XXXX XXXX XXXX ( XXXX ) on it, which only Equifax reported. I am not now nor have I ever been affiliated with the Department of Defense, so I can not possibly have this account. After verifying my information by fax ( license and SSN ) in a message sent to Equifax on XX/XX/21 ( I had also called the XXXX on XX/XX/21 and XX/XX/21 to verify my SSN was not in their system ), I filed a dispute of the account on XX/XX/21. On XX/XX/21, Equifax finished their investigation and concluded that this account belonged to me, and that my personal information needed to be updated. As a result, they unilaterally changed my name, SSN, date of birth, and several addresses to that of someone else, which I was fully allowed to access, as well as full details of the entire history of the disputed account. This is an extremely dangerous breach of personal information on behalf of the affected individual, and I disputed this new " personal information '' immediately, meaning I had to see what this other person 's details were in their entirety in order to dispute it. A new dispute was filed on XX/XX/21, and as of XX/XX/21, my personal information is still displayed as that of someone else/ Our SSNs are one number off, meaning it is likely that Equifax did not check effectively enough to discover their own error, and instead insisted they were correct while compromising some other individual.
Consumer complaint received 2022-06-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.