davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XXXX XXXX I tried to log into my Capital One Credit Card Online Banking, I could n't because the system told me it was blocked. 
When I called the customer service department, one representative told me : My account has been closed because was market as fraud from the XXXX credit bureau, upon a dispute that I 've filled up for a late payment that still was showing up in my credit report since XXXX 2015, after a year ago when I was making all my payments on time. 
They told me I have to call them ( XXXX ) so they can send them ( Capital one ) a letter so they can open my account once again. 
I called XXXX and they told me I have to call Capital One once again because they have nothing to do with that. I have to get in contact with XXXX operators and XXXX managers at Capital One, XXXX operators and XXXX managers at XXXX, plus the uncomfortable waiting time ( Approximated 10 minutes for each person ) And NO ONE, NOBODY could give me a reasonable answer of WHY they 've closed my account? 
From : You have to contact the credit bureau, we ca n't give you an answer, you have to contact them and then we 'll see if we can re-open it, sir I have told you 4 times I CAN NOT GIVE YOU AN ANSWER to the phone hanging up at Capital One twice. 
I had such an awful night, without mention that that night I need it to send some money to my mother in XXXX XXXX and the only way I could do it was with my credit card. In top of everything, without any explanation they shut down my credit score to XXXX, when I was paying my credit card on time since XX/XX/2015 to fix my credit score. 
So, because I could n't have an answer, a letter, a message, or a simple justification from Capital One, nor from XXXX I only can ask to my self something .... Did they closed my account because I was paying on time and they was n't making any money out of me? Did they closed my account because I was paying some collection bills to fix my credit with the same credit card I was as well paying on time, every 15 days? 
I wish someone could give me an answer, because at the end of the day, the results of building and fixing my credit score, turns into a nightmare for me and I totally get the opposite results, because now I do n't have credit and I have to start all over again thanks to Capital One and XXXX.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNT : XXXX  XXXX XXXX.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

I went to the web site the federal government has to request my free copy of my credit reports from XXXX, XXXX and Equifax because I was contacted by XXXX about someone trying to apply for a credit card in my name. I received the reports from XXXX and XXXX and disputed some dis-information that XXXX had and they corrected it. Equifax sent me a letter telling me to provide more information like a copy of my social security card and a utility bill and I did that but I am opening up a complaint with you because while confirming their address online with the letter they sent to make sure I am not mailing something to someone who will defraud me, I noticed that a lot of people have had Equifax give them the run around and not give them their free report. I am very concerned that someone may have stolen my financial identity and done such a good job with Equifax that they do not think that I am who I am, live where I live and can prove it. If you would follow up and encourage them to do the right thing so that I can see if they have dis-information like XXXX did, I would really appreciate it. It is really sad that companies, whom I do n't know anything about, can collect identity and financial information about me, make mistakes and require me to verify their mistakes and then go through all of this to get them to fix the information they have about me. It is really sad that these companies make a profit doing this and it costs me so much time and worry. I wish the federal government was the only credit bureau that kept private information about citizens and that public or private companies were not allowed to do this. What with hackers and XXXX, XXXX and other spies around the world stealing our information, we need much better protection of our citizens and our personal financial and medical information. Our XXXX XXXX department should have a budget to do this and convert everything to their computers and shut down XXXX, XXXX XXXX and Equifax or hire all of their people and get control of their computers. Also, only XXXX citizens should be working for XXXX, XXXX and Equifax and this information should not be available overseas. Otherwise, what protection do we have that worldwide hackers and spies wo n't steal our financial or medical information and use it against US??? If you would help me get my free credit report from Equifax, I would really appreciate it. It is sad that I should have to go through this. The federal government has my social security number and I am attaching a utility bill. I mailed Equifax a copy of my social security card and the utility bill I attached to this complaint. Thank you for creating the CFPB. I really hope that this is the beginning of the federal government starting to protect our citizens on the internet and computers like our XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX protect XXXX. XXXX has to include protecting citizens private financial identity and our private medical identify as well.
Consumer complaint received 2024-08-01
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX ; XXXX OF XXXX XXXX ; XXXX OF XXXX XXXX ; XXXX OF XXXX XXXX ; XXXX XXXX NA XXXX ; XXXX XXXX NA 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  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 2024-08-02
Product: Credit reporting 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. (NY)

Name Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dismanting Addresses Inconect XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Unauthorized Inquiry XXXX  Date of Inquiry : XXXX XXXX, XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry. 
XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized Inquiry CC XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized XXXX XXXX Date of Inquiry : XXXX XXXX Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed all. 
XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME THIS ACCOUNT NEEDS TO TO BE VALIDATED XXXX XXXX  ACCOUNT XXXX THIS ACCOUNT NEEDS TO TO BE VALIDATED XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX debt collector XXXX XXXX XXXX referencing XXXX number XXXX is reporting on my transunion and XXXX. I've disputed with the company on XX/XX/year> on violation of communication when I sent a cease and desist letter that was mailed out, previously disputed XX/XX/year> debt validation of debt and never got a respond from debt collector, however I want to know method of validation with the names of individual, list of businesses who conducted the investigation so I could of answered accordingly. I've noticed on the XXXX that they are not registered to collect on this alleged debt. I've never got proper notification XXXX days prior debt was put on my report. My next steps will seek arbitration from credit bureaus, if this don't get resolve promptly. Has XXXX notified that this account is being disputed?
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon checking my credit report this morning, I found inaccurate accounts listed without any clear reason. As I reviewed my report, unexpected discrepancies appeared. I tried refreshing my browser to see if it was a glitch, but the inaccuracies remained. Consequently, I am requesting a thorough check of the documents I've provided to eliminate any future worries.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I payed on time and this Account Needs To Be adjusted to Payed On Time. This Account is inaccurate please reinvestage this and get the proper results and Make The account In good Standing. 

15 USC 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2017-01-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

i had a XXXX account with Wells Fargo thru my employer, XXXX that i was not able to transfer until i turned XXXX or until i had not been with the employer for 5 years. 
Upon turning XXXX on XX/XX/XXXX2017, i called and aske to have the funds rolled over to my bank, XXXX.I asked to have the funds wired directly but they told me they could not do that and i had to wait for a check.I reluctantly agreed. 
The funds were to be sent directly to my bank.I got a letter at my home on the XXXX saying the funds were sent.When nothing was received at my bank by the XXXX, my bank and i conference called Wells Fargo and asked where the funds were.They informed me that a check was sent on XX/XX/XXXX to my bank.We told them that the letter never arrived.They said i had to wait until Friday to do a stop payment on the check and have the funds resent.I called them today, friday XX/XX/XXXX and asked to have the funds resent.They insisted they wanted to mail the funds and i requested they be wired and they said no. 
i then asked to have the money overnighted and they would not do that. 
i rwquested a supervisor and that person agreed to overnight the funds after the stop payment was processed which would be Tuesday. 
Meanwhile i have not had benefit of use of these funds for all that time. 
i really believe that the check was never mailed and this is just a delaying tactic for the bank to hold onto this money as long as they can. 
The amount was not enormous,XXXX, but not insignificant to me. 
have you had other complaints about Wells Fargo using this stall/delay tactic to hold onto the money of customers trying to withdraw IRA or other funds from this institution? 
if so, i want to add my name to the list of people that are unhappy about this situation. 
Why is it that bank want to do everything electronically, including cashing my checks and immediately transferring funds out of my checking account, yet when it comes time for me to get money from my account i have to wait for the Postal System to deliver My funds and then suspiciously, the funds do not arrive??? 
This is completely unfair to the consumer. 
I do Not trust Wells Fargo regarding anything they do any more. 

Also, i feel it is unfair if a Company terminates my employment to have a regulation saying that matching funds can not be withdrawn from an IRA account until i am XXXX or 5 years from Termination.If i quit the company, i canunderstand this rule, but if i am let go, this conditon should be waived or not apply.I have waited two and a half years to access these funds and i still do not have them. 

Not happy!!
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a formal and urgent complaint against XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX has inflicted undue harm on my financial reputation and stability. XXXX XXXX XXXX XXXX XXXX : {$1000.00}.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

I opened a " XXXX XXXX XXXX XXXX Account '' with TD bank in XX/XX/XXXX with an opening XXXX. 

According to their advertising and what I was told when opening this account, that the interest rate would go up based on the amount in the account. The starting interest rate as advertised should have been XXXX XXXX. After XXXX XXXX XXXX ( it is now XX/XX/XXXX ) the interest rate on this account is at XXXX XXXX. It has not changed and the account now has in excess of XXXX. According to the advertising this interest rate should now be XXXX XXXX, but it was still reading only .XXXX XXXX 

I called TD Bank today and explained this to them. Their answer was that they stopped using the " XXXX XXXX '' product and are onto a " XXXX XXXX '' moniker. And the bump rate only applies to this new " XXXX XXXX XXXX product. 

NOTE THAT the online banking at TD bank still shows the " XXXX XXXX XXXX XXXX '' language. 

The rate never moved since opening the account. 

I was never informed that my account was no longer in the current product line. 

I never got the advertised interest rate for the initial deposit nor the " bump '' in the rate for increasing my savings. 

HOW IS THIS LEGAL? After my call they are moving me into the new " XXXX XXXX XXXX XXXX '' line. But after having my money in there that long and only seeing a XXXX XXXX interest rate, shouldn't they owe me some money? This sounds like a scam! Any thoughts? 

Another bank is already being sued for this. 
XXXX XXXX XXXX This is exactly what is happening to me.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I went to the Citibank in XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX XXXX to make a withdrawal for XXXX and they said I couldnt get it. So I go into the branch the next day and they tell me my account close. My account number is XXXX and my and this is my Executive Response unit case number XXXX