davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2020-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

I have deposited {$3500.00} using drive thru ATM on XXXX. The ATM machine gave an error and the amount was not deposited into my account. I went to the branch on XXXX and they confirmed that the ATM was over by the same amount ( {$3500.00} ), but they said I have to file a claim to get my money back. I filed the claim and submitted the receipt I have from the ATM confirming my account number. Unfortunately I did not receive my deposit although it has been over a week. I visited the branch 3 times. First they said it takes 1-2 business days, then 3-5, and then 10 or more days. I decided to submit this complain since the bank is not transparent and not cooperating. I am worried that I may not get my deposit, or may get it but with a significant delay. With the current COVID situation and it's impact on all financial situations this is very frustrating. 
Bank : TD bank Branch : XXXX XXXX XXXX, XXXX, MA XXXX Complain # XXXX
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PENTAGON FEDERAL CREDIT UNION (WY)

The XXXX XXXX XXXX XXXX XXXX XXXX, representing XXXX XXXX, is attempting to collect alleged debt against me. I have an ongoing dispute with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and their response to my debt validation request has revealed that my alleged debt was transferred from alleged original creditor [ Pentagon Federal Credit Union ] to [ XXXX XXXX XXXX XXXX ]. 

On a Transfer and Assignment Document, I see that [ XXXX XXXX XXXX XXXX XXXX " immediately transferred '' my alleged debt to [ XXXX XXXX XXXX ], and that [ XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to XXXX XXXX. 

I don't recall receive any written notice whatsoever from XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to prove that they sent me anything whatsoever in the mail pertaining to the purchasing and/or transferring and/or reassigning of the alleged debt. 

I suspect that my rights under FDCPA were violated and that these entities failed to notify me of the transferring of debt. 

I also call into question the signatures on the attached document enclosed from the representatives of these " XXXX '' companies. Why is the dated typed but the signature is a wet-ink signature? What proof can XXXX XXXX XXXX AND XXXX XXXX offer that the document was signed on XX/XX/XXXX, the typed date? Why would the signers not write the date in ink since they are signing in ink, and what evidence do they have to offer that they all signed the document on XX/XX/XXXX. 

Please answer these questions and provide your documentation that I have been provided all required legal notification from the entities that purchased-then-transferred my alleged debt, and please also answer why this occurance should be interpreted as anything other than a very shady, questionable, poorly signed, and unclean bill of sale and a truly broken chain of title? 

Please also inform me how XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX can be contacted for questions pertaining to these documents, and/or subpoenaed for information and/or testimony? 

Please also provide me with the DocuSign certificate of completion for the Bill of Sale with the matching DocuSign Envelope ID XXXX Do NOT Modify the certificate of completion in any way.
Consumer complaint received 2024-03-25
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. (CA)

I am formally contest and seek correction of inaccurate information listed on my credit report. After a careful review, I have identified inconsistencies regarding the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The mentioned accounts currently display late payment dates and negative status on my credit report, which is erroneous. After contacting the respective creditors, they confirmed that these inaccuracies stemmed from internal errors on their part. Consequently, they have agreed to rectify the situation by removing the negative information associated with these accounts. 

I kindly request that you investigate and update my credit report accordingly. The accurate information for these accounts should reflect a positive status with no late payments. Furthermore, I ask that the corrected details be promptly communicated to all parties that have recently requested my credit report.
Consumer complaint received 2023-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2023, CAPITAL ONE BANK USA NA did a hard inquiry on me. I didn't apply for anything from this company. I have not applied for any credit cards or loans from any companies. I have contacted the company twice and both times was told that they didn't do any inquiries on me. Yet when I disputed this through XXXX I was told that Capital One Bank verified that the information is correct. I have also spoke to XXXX who wanted Capital One to remove the inquiry themselves. Since they keep saying they didn't do this, I can't get it rectified. 

I didn't apply for anything where a hard inquiry would need to be done on me. At this point I have contacted all of the credit bureaus and have not been able to get this fixed.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX ( Saturday ) at XXXX I deposited cash into the drive thru ATM. Once I deposited the cash a message came up on the machine saying that there was a malfunction and the system did not reverse the deposit and give me my money back. Instead I was told to " enter a forced deposit amount '' into the ATM. I did not know the exact amount of cash but I am certain it ranged from $ XXXX {$1000.00} ( XXXX days of work ). 

On XX/XX/XXXX ( Monday ) there was a deposit correction for {$840.00}. Rather than taking out {$160.00} and leaving {$840.00} remaining in my account, they took out {$840.00} out of the {$1000.00} in my account and I was only left with {$160.00}. I quickly went to the local branch to explain this situation and sat down with a banker and we put in a dispute. On XX/XX/XXXX I was given an {$840.00} provisional credit while they investigated my claim. 

On XX/XX/XXXX the bank reversed the provisional claim and stated that their investigation did not find anything and that the deposit amount was correct. 

Again, I quickly called and spoke with a manager from TD Bank customer service and put in another claim for investigation. The manager told me that it may be because they only checked the deposits from that monday ( XX/XX/XXXX ) and not over the weekend. 

It has now been over a month dealing with the bank and not having the money I deposited from back in XXXX, which I need right now.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

The enterprise member, " XXXX '' threated me ( XXXX XXXX ) consumer that my credit would be damaged in CFPB Complaint ID XXXX. I am intimidated and in fear of my life. Additionally, my credit is my reputation which the enterprise is seeking to ruin. I have been suffering from mental and emotional XXXX  and XXXX ever since XXXX shared such DEVESTATED news. 
I am currently seeking XXXX XXXX XXXX  to help me with my mental and emotional stress caused by LVNV Funding LLC, Resurgent Capital Services L.P.,, Resurgent Receivables LLC.

This shall be unlawful to cause such acts. May my Holy Father GOD arise against you evil doers according to the Holy Bible. LVNV Funding LLC violated my GOD giving rights.

" Contend, O LORD, with those who contend with me ; fight against those who fight against me!

Take hold of shield and buckler and rise for my help!

Draw the spear and javelin against my pursuers!

Say to my soul " I AM YOUR SALVATION! '' Let them be put to shame and dishonor who seek after my life!

Let them be turned back and disappointed who devise evil against me! 
XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and I am personally submitting this request to resolve the errors on my Credit Reports. In addition to failing to investigate the inaccuracies and unverifiable accounts on my report, they never sent appropriate account validation. They assured me that it had been verified, but they never sent me any form of verification or an original contract containing my signature. They have demonstrated negligence and a refusal to comply with my request. I am certain that they must comply with the Fair Credit Reporting Act law, provide evidence, documents, and provide definitive and accurate responses within the statutory time frame. However, if they fail to do so, they are required to remove the incorrect and unverified content. Their adverse and unacceptable actions have had a devastating effect on my credit scores. Please see below for my specific concerns : XXXX XXXX
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

On XX/XX/XXXX I contacted Mohela about why my application for the IDR/save plan had been " processing '' since XX/XX/XXXX. When I did not receive a response I called in and was eventually told it could not be processed because I had paid ahead and they were working on correcting the problem. When I saw on XX/XX/XXXX that I was being billed a monthly fee, and that my application was still " processing '' I contacted Mohela to make sure this would not continue to post-pone the processing of my IDR/save plan application. The only response I received 20 days later was that more information was needed, but did not say what information was needed to answer this question/concern.
Consumer complaint received 2023-01-02
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

This complaint is a continuation of the previous complaint - # XXXX. I have been working with Louisiana Housing Corporation via their LA HAF program since XX/XX/2022 to bring my mortgage payment current since I have been affected by COVID-19 as a long hauler. PHH has on numerous occasions in recent months ( XXXX - present ) confirmed that my account had been referred to their HAF Department. The state of Louisiana submitted a payment for to cover the reinstatement amount. On XX/XX/2022, PHH HAF confirmed receipt of the payment and requested to return the LA HAF 's payment of {$8700.00} back to them because the state did not send them a referral that indicated that I was on their HAF Program. This information was provided to me by an Escalation Manager named XXXX ID # XXXX ( Phone # XXXX ext XXXX - Escalation Department ). In PHH 's response to my previous CFB complaint related to this matter they indicated, " On XX/XX/2022, the State sent us another HAF notification and requested an updated status of the account. However, the request did not include a Third-Party Authorization ( TPA ) form that is needed before we can provide the requested information. We have advised the State to resend the HAF notification along with a valid TPA. Please note, that HAF is a state program and any concerns or questions you may have about the program should be addressed directly to the State. In case the State requires our assistance or needs any information, we will gladly respond as long as they provide the needed documentation so that we can release information about the account. '' LA HAF sent a letter requesting a status update on my account for the second time on XX/XX/2022. I personally provided third party authorization to PHH on XX/XX/2022 authorizing them to speak with LA HAF and it's representatives per the guidance that their representative XXXX provided me on XX/XX/2022. I confirmed during numerous conversations afterwards with many different agents that this TPA remained on my account. 

No one at PHH clearly understands why the PHH HAF Department wants to return the payment that LA HAF has sent. The Escalation Manager is confused and says he needs 5 business days to investigate. What is the problem?
Consumer complaint received 2023-05-26
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 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax, XXXX, and XXXX have gravely abused their power. I sent correspondence via USPS regarding this violation. The first attempt was on XX/XX/2023 ; the second attempt was on XX/XX/2023. Nothing was done by either. I started reading the laws regarding the FCRA. From my understanding, the Fair Credit Reporting Act was created to promote consumer information 's accuracy, fairness, and privacy. I was not given that chance. The agencies listed above violated all rights reserved for me and willfully failed to comply with all codes listed. 

1. FCRA 15 USC 1681a ( 4 ) states, '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. '' The agencies mentioned earlier did not comply, and I am the consumer. ( b ) it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements. 15 USC 1681 ( 2 ) EXCLUSIONS - a report containing information solely about transactions or experiences between the consumer and the person making the report. REPORTING TRANSACTION HISTORY IS ILLEGAL. 

2. 15 USC 6801 states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) it is a financial institution by definition under that title. 


The financial institutions and any consumer reporting agencies Equifax, XXXX, and XXXX do not have my permission to furnish this information, whether written, verbal, nonverbal, implied, or otherwise, is REVOKED.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX   XXXX   XXXX   XXXX   came on my  XXXX   XX/XX/XXXX  as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated  XXXX  (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
 XXXX  ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  & XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.
Consumer complaint received 2023-05-26
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, my mother was at an ATM when XXXX men came up from behind her, they were standing really close to her. While she was taking out the money she withdrew, they distracted her. She was frightened by the situation so she then took her " card '' and left. On the morning of XX/XX/XXXX, I received notifications that my bank account was in negatives.My mother and i share an account, so when i check, both of our accounts were in negatives, but my card was still in my possession. When i asked to see her card, we realized that it was not her card. I immediately called the bank to report the card as stolen, and attempted to explain a situation that i was very confused about. i wasnt aware that money could be taken out of my account with my moms card. The process to file the claim was very rigorous because the representative on the phone did not believe that i was on the account. While i was trying to explain the situation, more money was pulled from the account in the same moment that i was on the phone filing the claim. We waited the 10 days to see if anything had been resolved, the claim was denied due to no suspicious activity being done and because the withdrawls were done with a pin. I have filed for a review on the claim and it was denied again, but we dont understand why it was denied if there is even proof i have attached below that proves that we didnt make those withdrawls and we have a card that wasnt my moms. this card was used to make her think she had her card. I have called numerous of times and no one is doing anything to believe us. I asked if ATM footage was checked and they dont want to disclose that information, making it seem like the investigation wasnt done properly. 

Based on regulation E, i believe that wells fargo has been in violation and not in compliance.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NY)

My employer provided me with a skylight visa debit card 8 years ago, never had any problems until XX/XX/23. Payroll disbursed my weekly pay around lunchtime I viewed my phone and watched my pay depleting {$400.00} then {$140.00} and finished somehow removing the balance {$12.00} I sent in my dispute the same hour, they said they would do an investigation through the XXXX of XXXX. Today is the XXXX of XXXX they claim they found no error and refused to give me my money. Money was disbursed @ XXXX and hacked around XXXX while working in XXXX county , hacked occurred in XXXX XXXX
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (SC)

Hunter Warfield is a collection company in XXXX, Georgia, reporting on a lease that I had with XXXX XXXX, XXXX for an apartment in XXXX, Georgia called XXXX XXXX XXXX. XXXX XXXX breached their own lease and I moved out. XXXX XXXX submitted their desired payment to Hunter Warfield and refuses to correct the figures or engage in a resolution. Hunter Warfield has reported me as a delinquent renter, affecting my credit incorrectly and causing me difficulty in renting an apartment. Hunter Warfield will not respond to my creditor assistance law firm ( XXXX XXXX ). I have submitted a concurrent claim with XXXX, XXXX XXXX XXXX in order to resolve this dilemma. There is still no response from either Hunter Warfield or XXXX XXXX. 

I have provided the information regarding XXXX XXXX XXXX breach, which includes failure to provide pest control which resulted in a 90-day infestation of roaches in a " luxury '' apartment complex, XXXX XXXX XXXX attempt to take over utilities in residents names without authorization by lease and XXXX XXXX XXXX failure to adequately address an issue with residents and pets, which resulted in a resident threatening XXXX XXXX on another resident. Their solution appears to have been to string pet offal bags on the complex fencing like XXXX garlands. 

Thank you.