davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I made an online mobile deposit, on XX/XX/2021, for {$2300.00}, I visited TD bank, in XXXX ; XXXX Florida ; the bank put a hold on the check, Beyond the next business day ; I visited TD bank 's local office, with the check in my hand ; with a Florida ID ; I was refused service, or any portion of the funds from the above attempted mobile deposit ; I feel like I was discriminated against by TD Bank 's, XXXX ( TD Bank ) Manager.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Neon Newco Corporation (NY)

Today I received a debit card from a company called flare XXXXXXXX XXXX. I reached out to them and was informed this account has been open for a while and someone was claiming unemployment benefits under it. I requested they immediately close the account and provide me any information on the account. They wouldnt provide me any information and suggested I file a police report and inform the FTC.
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I am being called by XXXX XXXX at least 5 times a day. Just today, they called me from 5 different phone numbers, a couple from other area codes! I try to block the numbers every time, but day after day, I get call after call, always from a different number! This account was settled with the origional creditor, and I hold current accounts with that bank right now. I want XXXX XXXX to STOP calling me at al, much less 5 times a day from 5 different numbers!
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I disputed multiple items. The account dispute center shows outcome PDF. Some of the dispute PDF are accessible and will open, but the other half show document not viewable. 

I called Equifax 8 times on different days and times. Only once have I spoken to someone who could attempted to help and she said there was nothing she could do to help. 
7 of the times I spoke to a rep but told to call back. 

I would like to view the outcome of the dispute. 

I also called to add a personal statement to the disputed items, but told they couldnt help.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MS)

NCA at XXXX XXXX XXXX, XXXX Washington , DC XXXX has been sending me collection notices in the amount of $ XXXXthe collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A company by the name of XXXX XXXX XXXX  charged me for staying at a property from XX/XX/XXXX - XX/XX/XXXX. There was an altercation that unnecessarily escalated due to the involvement of XXXX XXXX  which resulted in the police being called, in-which, I requested the police provide a police report to serve as record. I agreed to vacate the premises immediately only if my remaining balance for the stay was returned. Miraculously, no one was available to confirm however I was promised this would happen and I sent an email to confirm for the record. When it did not happen, I felt the need to dispute the charge with Capital One which I corroborated with the email I sent confirming I vacated the premisses and confirmation of a new reservation. The vendor then responded with a summery of inaccurate events. One of which accused myself and the occupants of smoking XXXX which is nowhere in the police report. We are all back and have locks, therefore, I can only conclude that such false accusations are in direct violation of my civil rights. Despite the evidence provided, Capital One refused to respond to the additional proof provided and has refused to reinvestigate which violates there pledge to the safety of my account. Please note that both establishments have not only violated my universal declaration of human rights but also my civil rights and regulatory pledge to the safety of my finances. Based on the clarity of the of the images provided ( attached ), the absence of the address in-which I allegedly stayed, and missing signatures/confirmation that this was truly me, it's evident that Capital One is basing it's decision on the false summery provided by the vendor. Based on these facts, following this complaint, I will be presenting this case to the department of justice, Bureau of Democracy, Human Rights, and Labor, FDIC, and the Federal Reserve as this is the second case of despair that Capital One is at the root of.
Consumer complaint received 2017-09-09
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. (WY)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it on the news. Especially when this is a company that I did not choose to do business with. They should be held to higher standards.
Consumer complaint received 2022-11-02
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. (TX)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2021-05-12
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: Diverse Funding Associates LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2018-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

My checking account was closed on XX/XX/XXXX with a negative {$950.00}. i was a victim of a scam which left me at a negative {$320.00} on XX/XX/XXXX. the bank wants me to pay all kinds of overdrafts and fees.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-05-12
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: Resurgent Capital Services L.P. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I have recently reviewed my credit report and discovered 3 delinquent accounts that does not belong to me. However, I firmly believe that these accounts entry is incorrect and should not be associated with my credit history.

In accordance with the Fair Credit Reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation.

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim. I urge you to consider this evidence during your investigation. 

I expect timely resolution of this dispute and a written response within 30 days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate Accounts entry. 

Thank you for your attention to this matter
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I try to get all three of my credit history from XXXX  XXXX  Experian and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to
Consumer complaint received 2021-05-12
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. (NV)

I try to get all three of my credit history from XXXX  TransUnion XXXX  and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to
Consumer complaint received 2021-05-12
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: Local Management, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

EQuifax and XXXX are reporting a fraudulent account on my credit file, which does not belong to me. There is a XXXX XXXX credit card account appearing on my credit report, despite the fact that XXXX XXXX and I have requested it to be removed. However, it has not been removed yet.
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (OH)

I received my statement from Consumers Portfolio Services , Inc. Expecting to only see my total of my last car payment I noticed a late fee of {$140.00}. I XXXX  on XX/XX/XXXX of 2022. Expecting to see my social security in XXXX that did not happen until XXXX of 2022 along with waiting for my federal income tax placed me behind with all of my bills. I called consumers for an explanation. Not only to find out that when paying my car payment every XXXX weeks for that money to be sent to my principal payment consumers has been changing me an occurring late fee, and fees assessed of which I have no idea what it is for. As expressed, when speaking with consumer a payment promises {$800.00} on XX/XX/2022, was paid. Those payments were for XXXX and XXXX of which were paid by my sister-in-law. I made another payment on XX/XX/2022, of XXXX plus late charges of XXXX beginning that total to {$630.00}. Consumer took my extra money of {$34.00} and paid a fee. The balance owing to Consumers is only {$380.00}. Please look at this statement attached. I have well over paid Consumers Portfolio. 

Sincerly, XXXX XXXX
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX XXXXbarclaycardus.comXXXX I can't even believe I am writing this -- the first company that I would even bother to write a review about, just because my opinion has changed so much. I loved this card and loved Barclays as a bank, but after having the wildest 5 months of customer service I would have to guess that they are trying to sunset this business and discourage people from keeping the card. I am actually closing all of my Barclays accounts because of this. 

They were great until a fraud situation and then you are basically on your own -- so much so that today I was told the only way they would reconsider my case was if I faxed them 5 documents to prove that I was in fact out of the country on the date in mention of a specific transaction ( despite having no access to a printer or fax machine ) -- a cash advance from a XXXX XXXX ATM, despite the charges before and after that one charge was already marked as fraud and taken care of. 

While traveling out of the country w/o the card, I was alerted by Barclays on 3 occasions on XX/XX/20 for 1 ) someone activated my card ( a new card tey had just sent, but I didn't request ) 2 ) someone changed the pin of that card 3 ) there was fraud on that card. I responded that it was fraud since I was not traveling with that card, have no access to the mail while in XXXX, and that all of the charges were fraudulent. 

Most of the charges were removed, except for one made for a cash withdrawal at XXXX XXXX. I've spent the last 5 months trying to get this charge to be removed from my statement. The full charge was : {$20.00} withdrawal + {$3.00} ATM fee + {$10.00} cash advance fee. 

Today I learned that Barclays has removed the {$10.00} cash fee from my statement because they recouped that from XXXX XXXX during the fraud investigation, showing an agreement between the two companies that this was fraudulent. Barclays however will not remove the underlying {$23.00} charge. 
.. so literally the financial transaction that only took place because of the ATM withdrawal was deemed fraud and XXXX XXXX paid it back to Barclays , but the ATM withdrawal itself is not being considered fraud ... .huh? 

On today 's hour-plus call there was mention of the name and phone number of the person who they spoke to that was in possession of this new card, spoke to a member of the Barclays team to activated, and even picked up their phone AFTER the fraud alert ... showing Barclays clearly knows this is fraud, even knows details about the fraud, has colluded with XXXX XXXX on this fraud, and is still charging me the {$23.00}. 

Their advertising is also very clear that they offer things like " Access great benefits like {$0.00} Fraud Liability protection and no foreign transaction fees '' which is clearly very misleading given how they actually manage fraud at Barclays.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I made a check deposit for a little over XXXX into one of my checking accounts at Bank of America on XX/XX/21. Before signing the check I asked both the teller and the bank manager to tell me how long of a hold would be put on this deposit. I understand it takes a few days to clear at most! They said it would be a few days but wouldnt know until i deposit it. So I did deposit it and I was given a printed ticked with the split hold release dates and times. XXXX on XX/XX/21 @ XXXX and XXXX on XX/XX/21 @ XXXX. I called the bank that the check was drawn from. ( Which is a family trust THAT MY NAME IS ON by the way, not to mention relatives that have worked at this branch ) and verified the check has been cleared and money has left the account. Next I called B.O.A customer service where XXXX from Montana told me that its because the original bank wont release the fund so they had to extend it. It will be in my account a week from tomorrow. There is nothing they can do and its not BOAs fault. Well the teller and manager at the depositing branch lied, the Notice of Hold I received with my deposit lied and Customer Service phone agent lied. I will be contacting XXXX next and then my Lawyer. This has to be illegal. I was scheduled to put a deposit on a new home today which is why I asked the bank manager when my deposit will clear. The homeowner wont wait so I lost the house to the next offer who had deposit in hand. I hope your happy BOA!!
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 2. 15 U.S code 1681n Infamis of pulls XXXX XXXXXXXX Account Number : XXXX 3. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 4. 15 U.S code 1681n Infamis of pulls XXXX XXXX Account Number : XXXX 5. 15 U.S code 1681n Infamis of pulls XXXX XXXX. 
Account Number : XXXX
Consumer complaint received 2023-02-14
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: HYUNDAI CAPITAL AMERICA (OH)

Hyundai sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where Hyundai makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a Hyundai representative that my credit report would be cleared once paid. However Hyundai did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because Hyundai falsely confirmed everything to be accurate. Please see attached order from the CFPB that required Hyundai to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my credit score, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like Hyundai is still up to their unethical tactics and haven't learned from the $ XXXX order.