davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I I have a personal checking account a savings account ANd a business checking account with XXXX bank, I have used XXXX bank with other business of mine for over 15 years, TD/ prior was XXXX XXXX. I received a ppp loan in my business account in XXXX with no issues, then received a eidl SBA loan in my business account in XXXX, when I went to withdraw a certified check td bank told me we have to get this verified and come back tomorrow, I came back the next day and they said the spoke to fraud and they confirmed it was a business account and additionally I had provided my load agreement papers, so they unlocked my account and I resumed my automatic payments out of my account and my cpa instructed me if I would like to make it easier if I had a personal Acct transfer funds into there so you better track your loan funds for the sba, so I did that, then few days after they re opened my account I went back for the certified check for employee for work for the past 10 weeks that they didnt get paid for plus a certified check for a wood chipper that Im 6 months behind on payments and in Repo status, and again they locked my account and wouldnt let me take the funds, then they told me a cell phone # to call I believe his name was XXXX XXXX from fraud gsi in XXXX XXXX nj, I called and he was very short with me and said no you cant transfer anything to another account and you used the funds not for what the loan is for, and 6 weeks later all my accounts are still frozen including my savings personal Acct, my checking account and business account with no access to my funds that Im paying interest on for my business which also I received my unemployment in now that I cant work since they froze my account they also took my unemployment! My business have been in business for generations and I find this insane for how they are treating me especially in this time we are living in today! The man from gsi td fraud # is XXXX ( XXXX ) XXXX. That was the guys cell phone # the branch manager gave me to call him and he wouldnt give me the time of day!
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (PA)

I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong I have circled the XXXX XXXX XXXX XXXX Account # XXXX high balance missing, This listing is incomplete, please delete the entire item. 
I am writing to dispute the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
I am also disputing the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, I have circled the high balance missing in XXXX/XXXX XXXX XXXX Account # XXXX, This listing is incomplete, please delete the entire item.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XX/XX/XXXX my husband and I each set up a credit freeze with TransUnion as a result of our personal information having been compromised. After many attempts with the on-line system which would not work at the time, we spoke with a representative that sent us a PIN and set up the freeze on the phone. 

On XX/XX/XXXX, we attempted to access our accounts. The on-line system would not recognize our information. I called three different numbers for Customer Service, and could only get a voice answering system, which continued to repeat the same options, none of which applied to our question. When I entered all of the personal information in the voice prompts to see if I could get through, the system again said it did not recognize the information. Even when we were given the option to reach a person, the same loop continued. I have not been able to contact them regarding the freeze on our accounts. 

How is a consumer supposed to manage their credit if they can not contact the company? 

TransUnion has consistently been a problem. I can not understand how such an inept company is allowed to access and manage such important and personal information as that contained in a credit report. I have no confidence that they are capable of protecting this sensitive information.
Consumer complaint received 2020-11-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$2900.00}. 
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, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.
Consumer complaint received 2020-11-21
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. (OK)

Unauthorized credit inquires on my XXXX report. Ive contacted XXXX and they refuse to do anything about this. 18 total inquiries on my report that were not authorized
Consumer complaint received 2020-11-21
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. (NY)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$0.00}, {$1600.00}, {$430.00}, {$420.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$130.00}, {$2400.00}, {$470.00}, {$440.00}, {$420.00}, {$1800.00}, {$540.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

14. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

15. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Consumer complaint received 2020-11-21
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. (OK)

Unauthorized credit inquires on my XXXX  report. Ive contacted XXXX  and they refuse to do anything about this. 18 total inquiries on my report that were not authorized
Consumer complaint received 2021-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (CA)

I have been issued three Direct Express Cards where the deposit has only appeared in XXXX. Deposits should have appeared from XXXX of last year. There are several credit cards missing including a XXXX card, there is a settlement from XXXX XXXX XXXX, there is a social security check from the first of this month. It is my opinion that someone is depositing this money into a cellphone with my information in it. It is a duplicate device and then taking it to someone who can get tbe money out of the device. It is also my opinion ghat they may be transferring the money in others accounts, they then want me to get into someones car while they use my money like im XXXX no one does this. A duplicate device with a persons infromation blocks them from receiving. They are then deposting partial or no payment to my card.
Consumer complaint received 2020-11-20
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. (NJ)

I sent letters to the credit bureaus but they have not investigated about my case. I have inquiries that I didn't authorized and negative accounts that should not be there.
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Using PayPal in attempt to send money to a friend for a purchase, I typed in the incorrect paypal email and sent {$120.00} according to PayPal he 'll receive it XXXX/XXXX/18 but there 's nothing I can do but ask him to send it back. If he declines to send it back
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (OH)

I made a purchase of {$8.00} on XX/XX/03 with XXXX XXXX credit card. When I went back to website to pay my bill, they forwarded already paid balance of {$2.00} from previous purchase. I called customer service and talked to lady who said it'll soon be taken care of. I waited a week to went back to website to pay the amount but they instead of resolving the issue, added {$2.00} one more time. I called again and the guy told me ( in really lethargic way ) to pay my {$8.00} and the matter will be resolved and I would see {$0.00} balance on my card. I did what I was told, and lo and behold I got an email to pay the remaining {$5.00}.

The customer service is in my opinion based oversees and they seem not to understand the problem and when I asked to talk to supervisor there was no response. 
I got frustrated with the back and forth calls and want to resolve this issue, but as I see it, I'll end up paying the amount I don't even owe. 
Let 's see if this complaint will do anything and I won't have to pay this illegitimated amount. 
Thanks
Consumer complaint received 2020-11-20
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. (MD)

Upon checking XXXX XXXX I seen that my score dropped 63 points for a new open account. It only dropped 14 with XXXX. Their site says you cant dispute scores and other ppl I work with have had same issue with transunion. That is a lot of points for a new credit card account.
Consumer complaint received 2020-11-20
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: EQUIFAX, INC. (IL)

I am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

EQUIFAX did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of EQUIFAX requesting a sworn affidavit by me the consumer given EXQUIFAX written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. EQUIFAX did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line. 

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; EQUIFAX has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person XXXX corporation ) are an exclusion as well EQUIFAX has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. EQUIFAX is civilly liable for each action committed against me
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MS)

I have been trying to work with Fay Servicers Mortgage for months now. I have submitted an application to catch up my mortgage which was never approved because they tried to for me to buy homeowner/flood insurance that I was unable to get because of my credit scores while still charging to my account the lender 's forced insurance payments that are added to my mortgage monthly. 

I have tried on 4 occasion to make payments of which they are refusing. They will not work with me at all.

Could you please help and tell me what to do next. I do not want to file for chapter XXXX. I have lived in this house more than 16 yeas.  Please help.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MI)

In XXXX of XXXX I opened a new account with XXXX purchasing a new XXXX and XXXX. I decided I did not want the service soon after the purchase so I went back into the same store and returned both devices the next day. I was told by the sales rep that I had 14 days to return the devices and cancel service. Recently I was checking my credit reports for accuracy and I realized I have a collections account with Source Receivables for {$1200.00}, the exact amount for both devices. I contacted Source Receivables to try and figure out why I was being charged for devices I returned and they told me I needed to provide them with a receipt showing I returned the devices and the account would be deleted from my credit report. I emailed the receipt to the company on XX/XX/XXXX. On XX/XX/XXXX I received an email stating I was credited for {$780.00} instead of the full amount. I again contacted Source Receivables to try and figure out what was going on and the rep told me " you will not receive the full amount when you return items ''. I asked her several questions regarding why and she was unable to answer anything. I was told to contact XXXX. I called XXXX and they were unable to give any information because I was unable to remember a PIN number on an account I had for 1 day!
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX  XXXX XXXX is reporting an account in my name as an authorized user. I have tried to call them and get my name of the account. They did not want to give me any information on the account. Please delete this item from my report
Consumer complaint received 2020-11-20
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. (FL)

I am submitting this report in hopes of fraudulent account removal from my credit history. I have attempted to search for the school that was shut down due to fraud and unfortunately someone used my information to attend this school and now I am being held financially responsible for a loan or tuition for a school I never attended. I have also noticed accounts for banks and credit cards that I am not understanding is tied to me in any way. I am hopeful that this will be resolved so that I can build my credit for myself to financially take care of my personal life and responsibilities.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I logged into my Huntington bank account. I scheduled a " bank-to-bank '' transfer of {$2500.00} from my Huntington checking account to my XXXX XXXX account. Both of these accounts are in my name and appear identically on each corresponding statements. 

However, the transfer never arrived at my XXXX XXXX account. I contacted Huntington 's customer service over the phone and they said that they could not provide any more information over the phone and that I would have to come into a branch. 

Soon after, I noticed a deposit hit my Huntington bank account of {$2500.00} on XX/XX/XXXX, but it was on hold. I called customer service again and asked why it was on hold and they directed me to visit a branch. So, I visited a Huntington branch located at XXXX XXXX XXXX  XXXX, XXXX, OH XXXX. I spoke to a banker about the deposit hold and the transfer issue. I explained the situation noting that I input all of the information on Huntington 's website and I did n't understand why the transfer did not go through and even further why there was a hold on its return. The banker called another department of the bank while I was sitting there and inquired with me. She was notified on the phone that the transfer issue was due to names not matching on my Huntington account and XXXX account. I provided her a statement from my XXXX XXXX account that I was trying to send the transfer to and she agreed that my name did match exactly on both accounts. She said, after speaking further with the other department, that the issue would be resolved automatically and the hold on the deposit would be removed within a week. 

However, two weeks passed and the {$2500.00} deposit was still on hold. I called again and chatted online with representatives multiple times over the course of nearly three months and each time was told that no further information could be provided about the hold and that there was no estimate to when the issue would be resolved. It is now XX/XX/XXXX and the deposit is still on hold and I 've received no further information. It has been far too long at what originally was a very simple mistake on Huntington 's part by both my account and the banker I met with. I hope this issue can be resolved in a timely fashion.
Consumer complaint received 2020-11-20
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. (TX)

Transunion is the only one, well XXXX  as well that is showing wrong information accounts that do not belong to me, that is why XXXX delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but Trans. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.